BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I started the transfer process to move my XXXX from Optum Financial to XXXX XXXX on XX/XX/2023. All investments were transferred to cash at Optum on XX/XX/XXXX. XXXX overnighted the documents to Optum to request the transfer on that date. I received a {$3.00} HSA Account Maintenance Fee on XX/XX/2023, then a {$20.00} transfer fee on XX/XX/2023. The transfer out which took the money out of the account creating a XXXX balance was on XX/XX/XXXX as well. So it took a month from request to closure. However, the story has not ended there. XXXX has still not received the funds as of XX/XX/XXXX. 

I called Optum a couple of times between XXXX and XXXX to find the status. Their customers service was totally lacking as the only thing they could tell me was what I could already see online. 

I called on XX/XX/XXXX after I received a call from XXXX asking if I could follow up with Optum as they still have not seen the funds. When I called Optum, they said it was going to take another 4-6 weeks to cut a check. I said that was unacceptable and asked for this issue to be escalated. They said someone would contact me within 48 hours. 

On XX/XX/XXXX, I received an email from Optum simply saying that we have completed all actions on your request. Case # XXXX. What action? I had asked for a call back to see why it was taking so long. I called them back at that time and was told that the check was actually mailed to XXXX on XX/XX/XXXX. 

As the check never made it to XXXX, I asked them to reissue the check. They said they would, but now it has been over two months, and I have over {$19000.00} that has been sitting in limbo not growing or earning anything. 

It is like they are purposely trying to XXXX the customer so they can earn money on the float.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a CitiBank Accelerate Savings account roughly around XX/XX/20 and deposited {$6000.00} USD to the account, I was living in MA at the time I opened this account. I later learned there was a {$20.00} a month fee associated with the account. I called, asked for the fee to be waived XXXX which it was XXXX, I then removed all my deposits and called customer support and asked to close the XXXX XXXX Account. The customer support representative informed me they terminated my XXXX XXXX account and I then deleted username and password. A few weeks later I was notified via text message that my Citi XXXX XXXX account had incurred a {$20.00} a month service fee and the account was now - {$20.00} balance. I called CitiBank and they apologized and confirmed they waived the fee and closed the account. The same issue then continuously occurred escalating to now a - {$120.00} balance. I've called multiple times and they have apologized and confirmed the account is closed though they can not provide any written proof and the issue just continues on. Citibank is unable to verify me on phone and all physical locations are closed due to XXXX, they ignored my mail I wrote with a copy of my passport. CitiBank says I need to know the XXXX digit string of numbers which is my account number even if I provide XXXX, Passport and other security questions. Debt XXXX are now calling threatening to pay bill or debt will be sold to XXXX party. I have money, want to fix the issue though am locked out of my account. The problem is with CitiBank, not me. Account is still active and incurring fees even without any balance and I have no ability to terminate account. 

I have XXXX video of myself on phone with Citibank customer support XXXX ( I informed him I was recording ) outlining all these issues which I can not upload as file is too large.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've disputed with the 3 credit bureaus incorrect historical balance/late payments on my credit reports, sent letters from the credit card company showing no late payments or over card limit yet, they continue saying information verified as accurate.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern, I recently checked my credit report XX/XX/XXXX and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the XXXX, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX When I found out about these XXXX accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) Factual Data XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX Bank XX/XX/XXXX not authorized by me ( I believe this to be fraud )

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-03
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The account with XXXX XXXX Mastercard was closed without prior notice on XX/XX/2021 due to account inactivity and XXXX balance. When attempting to contact XXXX XXXX Mastercard XXXX I was prompted to enter the last 4 digits of my Social Security number. The automated system detected my account was closed and said they could not open an account once it was closed and the call was disconnected. Not no option to speak to a customer service rep or anything. 

This closing of an account due to inactivity hurt the consumer. They have lowered my available credit, therefore, lowering my credit score. They lowered my history of accounts that have been open, the account has been open for over 7 years, therefore lowering my credit score. Not sending some sort of 30-day notice prior to closing the account would be better than sending notification of the account is closed. Since the balance is {$0.00} I could have attempted to use it only to be denied because the notification was sent to the online portal. I know the account has a XXXX balance and have no reason to check the balance beforehand so I never saw " the account is closed '' letter. 

For them to have the ability to close my account when the account was in good standing and I suffer the results is not fair to the consumer. This practice needs to stop. I have had this happen on other occasions and the work and time it takes to build up your credit score back to what it was before the account was closed should not fall to the consumer only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report the following inquiry continues to be reporting improperly and in correct. PLEASE DELETE AND REMOVE XXXX XXXX DATE : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXX has this account listed as XXXXXXXX XXXX XXXX  / ACCT XXXX XXXXXXXX, Equifax has this account listed as XXXX XXXX XXXX ACCT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
Medical XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/20 I bought a new car at XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX was offering a XXXX day no payment deal and was told this was what i was getting. Upon inspecting my first payment I discovered that I did not get the deal and it was changed to XXXX  days no payments. Ive visited the dealership several times and they have said everything that I actually do have XXXX days XXXX which is false ) to saying that XXXX wont tell them anything about my contract. When i call XXXX financial, they say that only the dealership can correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15U.S.C 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-11-29
Company: Navient Solutions, LLC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from " Pioneer Credit Recovery '' on XX/XX/2022 at XXXX XXXX where I missed a call. I received another call on the same day at XXXX XXXX and they asked for me by name then the agent told me that I owe {$560.00} and that they show this debt from the U.S. Department of the Treasury, Bureau of the Fiscal Services. I asked what the debt is for and he said that is the only information he can see. I let the agent know that there must be a mistake because I don't have any outstanding debts, then I asked to be put on the do not call list and hung up. 
Since then, I have had to block the number but my phone shows me when blocked numbers still call and they have called me 3 times a day for most days since. They have also sent me a letter with no further information about this " debt '' other than it went from me owing {$430.00} as of XX/XX/2022 and that I wasn't charged interest but somehow the " Total amount of the debt now : {$560.00} ''. So not only are they trying to say I owe from a branch of the government I have no affiliation with but they are also trying to tack on an amount for nothing? This is clearly a scam.

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 2022-03-05
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I was out trying to get food when my card declined. I called Citi bank and they told me the account was on a block. They then transferred me and told me the account was getting closed. I had no idea the account was on a block or getting closed as I had used the account and made purchases with it the day ( s ) before. They failed to inform me on what was happening and told me they couldnt give me any more information as to what was happening with my own account. I was distraught that week was payday from both of my jobs and business I have. They kept giving me the run around telling me it was on a block then it was set for closure. The representatives were telling me two different things. Fast forward here I am still getting updates about the account that was supposed to be closed. Even one of my direct deposits I was looking for before I could switch to a different bank had entered the account. I was also not informed of this happening. I am upset with Citi because they have not given a clear statement or reasoning as to why they randomly were closing my account and my money that was left in the account has not been distributed to me in any shape or form whatsoever. Its very unprofessional, misleading and I dont even want to continue banking with them. All transactions were normal prior to the closing of my account and a month later Im still dealing with them not returning my money yet and closing the account like they said they would.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a natural person, i am a living human being, i have rights under 15 U.S. Code 1681. 
XXXX is govern by 15 U.S. Code 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

1-Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name XXXX XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 According to 15 U.S. Code 1681 : I have the right to privacy and i did not give XXXX written permission to furnish these accounts.

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