BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my entire Citi Bank credit card balance of {$7000.00} via XXXX XXXX ACH transfer on XX/XX/23 to Citi Bank. I was told there would only be 24-48 hours posting time, which meant I could not us my Citi credit card because I had reached my limit of {$7000.00}. After XXXX business hours, my credit card limit was still freezing the use of my card. When I inquired about why, customer service personnel said because my {$7000.00} payment via ACH was so large, it was considered a suspicious transaction & therefore my card had a credit limit imposed for XXXX business days, even though Citi acknowledged that they had received my XXXXXXXX XXXX transfer of {$7000.00} after XXXX hours of receipt. I was trying to make another purchase of deck materials to install my new porch, but was held up by 7 days, which I felt was punitive. My credit score is XXXX, which is excellent, but I assumed to be a suspicious credit risk by Citi Bank, which any written rules or guidelines in the credit card agreement to outline their internal policy. My Citi Bank credit card was finally unfrozen on XX/XX/23 at XXXX XXXX. 
I feel that Citi Bank owes me a written apology & {$100.00} credit reward on my card for my inconvenience. I was insulted by their customer service representatives with their " suspicious transaction '' language, when they could clearly see my credit score was XXXX. 
Thanks for reviewing my complaint. 
XXXX

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 2024-01-02
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried to deposit a check for {$900.00} the agent came back and said we the bank can not deposit your check and told me account was set to close XX/XX/XXXX give me my check back. 
I also mailed a registered security to security transfer agent instructing the agent to wire my certificate of indebtedness to my TREASURY DIRECT ACCOUNT with the proper stamp and endorsement. That item was mailed registered mail XX/XX/XXXX. It's not reflecting in my account.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: IL
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 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} 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

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 2023-11-09
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made the following payments and keep getting reversed for no reason despite having sufficient money in bank account. I tried calling and the average time is about XXXX hours. Its is very difficult to get in contact because they do not respond to emails. I am now in delinquency because of this. 

XX/XX/2023 Payment Reversal {$250.00} Show more information XX/XX/2023 Payment - {$250.00} Show more information XX/XX/2023 Payment Reversal {$250.00} Show more information XX/XX/2023 Payment - {$250.00} Show more information XX/XX/2023 Payment Reversal {$150.00} Show more information XX/XX/2023 Payment - {$150.00}

Company response to consumer: Untimely response
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXXXX XXXX XXXX : {$910.00} XXXX XXXX Original creditorXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX  XXXX Balance : {$230.00} XXXX  Original creditor XXXX  XXXX  XXXX XXXX Balance : {$1600.00} XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$97.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

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 2023-03-09
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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

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 2023-03-01
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Good afternoon, I would like to submit a complaint for the following companies. 
Due to this situation my record with the XXXX XXXX has been affected and I have been rejected when applying for a credit card and I am concerned this will affect me in the near future. 
I am a consumer that pays a home mortgage, car loan, and all my credit cards on time. 

*Synchrony master card : my account was closed due to few late fees. 
Most of the late fees was due to an issue with Synchrony master card rejecting my payment. 
For example, my due date was every XXXX of each month, on XX/XX/, I summited my on-time payment and got rejected. I was not notified about this until a month later by mail. Incidents like this one happened few times where my payment was submitted on time with the bank account ( XXXX XXXX ), I use all the time and I was not notified about the payments being rejected until a month later on the mail. I called on XXXX about this situation and I was not given any type of explanation or help. I was told the system takes time to update that is way I was informed about this weeks later. I also contacted XXXX XXXX  in regards of the payments that were rejected, and I was told they do not have a record of any of this. I use this account all the time to pay my bills and had no issues. 
They also had the wrong address on file due to their error. That is the reason why i was not receiving my mail. 
I was not giving a warning or a notification that the account was closed until few weeks later when I received a letter on the mail. 
Unfortunately, I do not have the dates for the other incidents since they are no visible on the website or any letters that was sent since I misplaced them. 

**XXXX credit card : On XXXX XXXX someone submitted a payment of {$4.00}. XXXX I contacted the company in regards of the payment that was made to my account in error. I also tried to submit a payment and I was informed that no payment was due at that time. I was not given any other information. 
Few weeks later they closed my account because of my late payment and because I exceed my balance. This affected my credit score. I contacted them and they were able to resolve the issue since there was an error on their end and they reopened my account. However, this situation provided a negative impact to my report. 

***Gap  credit card : my account was closed due to late fees in XXXX 
I had the same situation my payment was rejected, and I was not being notified until few weeks later. Unfortunately, I do not have access to the website and can not provide any details.

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 2023-10-04
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/23, I submitted an application with Nelnet to change my repayment plan from the Income Contingent Repayment Plan to the Graduated Repayment Plan so that my monthly payment would be lowered. Upon submitting this application, I received an email stating that the application would be processed in 7-10 business days. It's now been a month and the application still has not been processed. I have used Nelnet 's contact form and called several times to request a status update on my application. The last customer service representative that I spoke to informed me that the processing of my application should not take this long. Nelnet has failed to process my application in a timely manner which is essentially forcing me to pay almost 2x per month. My current payment due is $ XXXX. If Nelnet were to process my application as requested, my payment would be less than {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XX/XX/2023 an unauthorized charge was made to my Bank of America checking account thru XXXX by a merchant I do not recognize and have never done any business with in the past. 

The amount charged was {$290.00}. 

On XXXX XX/XX/2023 I contacted Bank of Americas fraud department to make the complaint of unauthorized use of my card and they promptly gave me a temporary credit of {$290.00} on XXXX XX/XX/2023. 

However on XXXX XX/XX/2023, Bank of America reversed the charge and debited my account for {$290.00}, claiming that they came to the conclusion that the initial charge made by the merchant in the amount of {$290.00} on XXXX XX/XX/2023 was legitimate. 

They have provided absolutely no proof in any shape, way, or form that the charge was legitimate, and I have absolutely no recollection of ever doing any form of business with the merchant in question. 

I have been banking with Bank of America for two decades and this sort of treatment is totally unacceptable. 

I want to reiterate that this was a fraudulent charge and I did not authorize the payment of {$290.00} on XXXX XX/XX/2023. I also do not recognize the merchant. 

Im formally making this complaint today to demand that Bank of America fixes this mistake and returns me my money. I feel that I am being abused by both the unauthorized merchant and Bank of America and this is totally unacceptable.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-22
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX  XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/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

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 2023-03-29
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00} This compliant is my follow-up to ensure that the listed accounts are validated

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 5th 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX

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