BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: FISERV INC.
State: VT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2020 the IRS said they mailed me a XXXX $ stimulus check. I never received it. The 2nd week of XXXX I called and found out I was issued a debit card. I have still not received it. My name is XXXX XXXX XXXX XXXX XXXX XXXX Vermont XXXX is the original adress of record. I have since moved to XXXX XXXX XXXX XXXX Vermont XXXX. I even paid extra to have the money within 10 buisness days and that never happened. I called the IRS said I must call MoneyNetwork there is nothing they can do for me, I have tried to call MoneyNetwork several times to no avail, even paying extra to get the card I have still not recieved it as of XX/XX/XXXX!!! Where is my money? Why can I not get a human being on the phone with the bank? This is a scam! Still waiting,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXXXXXX  Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account NumberXXXX Date Open : XX/XX/XXXX Balance : {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX of XX/XX/XXXX I visited the Citi Bank Branch located in XXXX XXXX XXXX XXXX XXXX XXXX CA i attempted to withdraw funds from my bank account and I was told by the clerk that he needed manager override for the transaction. After speaking to the floor manager and still unable to accomplish my transaction, I was then transferred to speak to the branch manager. After a long time of trying to get this done, he then told me that there was a fraud alert in the account placed by the fraud department, to call him directly to the branch in 2 hours and XXXX  be able to help me. After waiting for 2 hours I called back and my calls werent answered by anyone so I was transferred to customer service, who advised me to return to the branch and have the manager call back because the fraud alert was placed by the branch manager. I was given a phone number to have the manager call, so I returned to the branch waited an hour to speak to the branch manager, and when I spoke to him he lied again and said he didnt place the fraud alert. After telling him multiple times to call the number I was told to have him call, he refused in many ovations until I started recording him with my cellular device, he then proceeded to call the number however I saw him call a different number. He called a different branch who I heard them refer him back to the number I was given originally and for some reason he kept trying to avoid calling, the number is XXXX option XXXX. After hours of arguing and complaining he told me he was going to override the fraud alert which than he denied cause he said he couldnt do it it was out of his reach, nothing was able to be done for me I had to leave with no money all he told me was that I will have to wait for 30 to 60 days but most likely in 2 weeks Ill have my money he said. I left and been waiting since than after two weeks I called Citi bank again, I was told by a rep to visit my local Citi bank and have them call the same number. After multiple calls and attempts to resolve both in person and on the phone today Friday XX/XX/XXXX I visited the XXXX NJ branch and was something else by the branch manager at this location. Now he said my account was closed the XX/XX/XXXX so I would have to wait 60 days to get my funds out of the account, these almost all my funds and they have been frozen for over a month now there is a pandemic going on I had to move and I was delayed due to this situation. I need some answer I need my money back as soon as possible this is not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My daughter and I have a joint account in XXXX with XXXX. She requested a transfer of XXXX euros at a XXXX XXXX branch location to my account at XXXX XXXX XXXX  in the United States. After a couple days I went to a XXXX branch location to inquire if my money was transferred. I was told at the XXXX XXXX  that they had rejected the transfer ( without notifying me first ) because my account was dormant ( they had not notified me that my account was dormant ). My daughter went to the XXXX bank in XXXX again and asked where the money was and was told by XXXX that they would automatically try to transfer the money again even if it was rejected the first time. If unsuccessful, they would return the money to the original account. After I still did not receive the money a week later, my daighter for the 3rd time asked at a XXXX branch where the money was. She was told that the money is currently at an intermediate bank in the U.S, ( Wells Fargo ) and the transit was in progress. Money was sent by XXXX on XX/XX/2021, today is XX/XX/2021. I have still not received an answer from XXXX or Wells Fargo about where the money is and when I will receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this request for a reinvestigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update/correct the following accounts from my file. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : - {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon checking my credit report I noticed a car loan I did not recognize for a vehicle I do not have. I have one vehicle and it is a car and not a truck. This loan has been there since 2019 and I have never once driven said vehicle and only use the one vehicle where the loan and tags are up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Age of Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This involves my XXXX rewards Visa. The account was originally managed by XXXX XXXX XXXX and switched to Commenity Bank in XXXX. I was advised that it would take a while for my cash back points to convert to cash back. I was interested in using these points while looking into vacations around spring/summer of XXXX and knew my points added up to over {$500.00}. I never booked a vacation or redeemed any points at this time. After the account was switched to Commenity Bank I began checking on my cash back amount to redeem so i could book a vacation. My account was only reading under {$3.00}. I called the first time on XX/XX/XXXX and spoke with an XXXX who advised it was still processing. My XXXX travel agent advised this was strange and she has heard of other XXXX customers having issues. She also advised that her personal account had already converted and it happened a few months prior. 
I accessed my account and looked at my cash back section to find approximately 30 individual items listing cash back adjustments on XX/XX/XXXX and all equalled {$610.00}. On XX/XX/XXXX the value lists {$0.00}. I called two more times and spile to an XXXX on XX/XX/XXXX. I was on the call for almost an hour and wanted to speak with a supervisor. XXXX kept leaving me on hold saying he was trying to get a supervisor and tried to convince me to call back. He ended up coming on and saying no supervisor was available. The last time I called I forgot who I spoke with but everything was explained and they said they couldn't access the cash back history. I advised that I could and I never redeemed anything from my account and wanted to know why it went to XXXX on XX/XX/XXXX and they advised they could not tell me. Now I see that I was getting the run around from each customer service agent I spoke to. Either way they are responsible for my account and need to rectify replacing my {$610.00}. I have screen shots showing all of these transactions too. My cash back still only shows {$2.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Cavalry Portfolio Services Collection for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Cavalry Portfolio Services collection is reporting false information to my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XXXX I have applied to refinance my mortgage with Santander bank, My credit card was charged {$390.00} as an application fee on XX/XX/18. after getting my commitment the bank has changed pricing and terms in a manner that made it uneconomical for me to do it. on XXXX I have withdrawn my application and requested my fee to be refunded in writing. my application was withdrawn but the bank refused to refund me my fee. there is nothing in the documents that describe that fee as non refundable. 
I have had several communications between myself and the mortgage rep and still nothing. In short I need my fee to be refunded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called and written Experian disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX & XXXX XXXX are fraud accounts and do not belong to me!!!!!! These accounts were included in a previous dispute which you deleted some of the accounts that were listed but it seems these were over looked. I have been waiting months for an update to have these accounts deleted. There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. 
The last complaint XXXX was not reviewed. I am now sending a request again along with the same paperwork that I previously submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Argon Collection Agency XXXX XXXX  bills ) There is one for {$7000.00} and one for {$170.00} dollars approximately. I have disputed them several times with XXXX XXXX  as well as XXXX XXXX and XXXX. Insurance has notified me as paid. This still shows on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, my husband and I were referred by a US Bank Personal Banker to a loan officer for 2 mortgage loan refinancing : 1 a refinance an investment property home with cash out to put towards the 2nd refinance 2. refinance of our primary home. On XX/XX/XXXX, I spoke to the loan officer and explained what my intentions were and she indicated that she can do it and provided me with loan estimates shortly after. We submitted all the documents needed within the next day or two. On or about XX/XX/XXXX, the loan officer called me asking if we can pay the 2 loan application fees @ {$390.00} each to show good faith that we are serious about the loan because their underwriters are swamped and they don't need to waste time if we weren't serious. I indicated that based on the loan estimates she provided that we are serious and agreed to pay the total fees of 2 loans @ {$790.00}. Loan finally submitted to XXXX on XX/XX/XXXX. On XXXX, I followed up regarding status. She told me that they are really busy and will take longer to hear. On XXXX, I emailed asking if they too have the lower rate of 2.99 % as all of my friends are getting this rate. She told me that we are already locked and it will cost to break it. I said never mind then. On or about XX/XX/XXXX, she told me that they can not do a refinance with cash out on my investment property as they do not have that program. I couldn't not believe what I was hearing when she knew from the beginning what type of refinances we were applying for. Because we are already {$790.00} deep, I asked if there are other options. She gave me the options and I told her that we will think about it and see if it makes sense. After reviewing the options she gave we decided that they were not acceptable. We requested for a refund of our application fees because we felt like she took our application fees knowing that they did not have the specific program we are looking for. We have been trying to get an answer since XX/XX/XXXX and have reached out to the manager and no response to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief