BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I discovered unauthorized transactions on my Citibank checking account. I immediately contacted the XXXX XXXX Police Department ( XXXX ) and filed a police report. XXXX Report # XXXX and then followed up and called Citibank to report the same transactions that were not authorized. Claim ID # XXXX. 

On XX/XX/2023 Citibank DENIED my claim citing that I was responsible for the charges in question. 

On XX/XX/2023 Citibank sent me a letter stating that they will be closing my accounts as they no longer wish to do business with me, yet I'm the victim in this matter, not them. The letter states the accounts will be closed out 'within ' XXXX days from the date of the letter, which would be XX/XX/2023. 

The letter states that I am able to go into a branch to withdraw the money if I do not want to wait for a check from them. I proceeded to go into a branch on XX/XX/2023 located XXXX XXXX XXXX. I spoke with the manager, showed them all my documentation and they called some back office department to which after XXXX mins on hold and on the phone, that department then proceeded to tell the branch they will not release my money as they can not confirm where the funds came from. I've always deposited cash, had direct deposits come in and incoming wires. Never deposited a check. 

Since that date of XX/XX/2023 I've called Citibank numerous times only to be told that my accounts are still under 'investigation ' and that I can not have my money. 

At this point I am tired of waiting and dealing with them. I get defrauded {$3300.00} in FRAUDULENT transactions and I'm left with nothing as a result. I want the money that is OWED to me. I'm not asking for it. 

This matter will only continue to escalate until Citibank sends me the money in which is OWED to me and the money that was lost due to fraud. I was a customer in good standing, I was also protected by Mastercard for transactions that were 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 2022-08-17
Company: Brightfunders, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was working with their representative very professional and we set up the re-finance a month prior to when we could submit it. once submitted we had a few hoops to jump through i.e. termite inspections and appraisal and a few other normal mortgage details. I was told i would be closing at the end of the month. Then steps in a very unprofessional non organized processing team that seemed to not care and were disgruntled. I had to constantly reach out to the first rep for information and the new team didn't respond or update and seemed to not know how todo their jobs. i had to get the information for them. on 3occasions i was given yes we are going to close tomorrow or today but in the end it took the first rep calling me and explaining. I received no official explanation or apology. this has caused me a financial burden and emotional stress. I tried to work with my current mortgage provider but am unable to due to the credit score drop due to lower. I want to avoid any legal action so a speedy resolution with LOWER is Ideal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander doesnt mind reporting if your loan is late or anything negative on a report. However, they are reporting my balance incorrectly on my credit report for over 6 months. They refuse to update the correct remaining balance on my account. I also made a payment at XXXX XXXX last month and western union didnt receive the correct transfer so they reported me late. XXXX XXXX called Santander and told them it was in error on their end and they told me to put in a dispute but, when I spoke with someone else they said they would correct the error and send it to correct the credit report. This has not been done. Im requesting for the correct balance on the account to be reported correctly and to remove the 30day late off as a courtesy or error, They keep reporting like I owe {$3800.00}. when I owe them under {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, 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:
I have no knowledge of the following inquiry : XXXX XXXX XXXX XXXX Please investigate to ensure there is no fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: TN
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:
On XXXX, XXXX 2023 All three credit Bureaus reported my mortgage company XXXX XXXX XXXX XXXXt ) sale/transfer to a different mortgage ( XXXX XXXX XXXX  XXXX ) XXXX 
This triggered a credit score drop of XXXX points. 
The sale/transfer of my mortgage loan was/ is beyond my control. 
Therefore, my credit score should have remained the same.

A drop of my credit score by XXXX points from XXXX To XXXX could adversely affect my purchasing power. 
All three Credit Bureaus do have dispute forms available but only for complaints against creditors. Not against themselves. 
What can I do to correct this problem?

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 2021-12-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was set up on an auto transfer, which I attempted to cancel using the online app. On the U.S. Bank app, it does not provide an option to cancel an automatic transfer. The transfer was pushed through where my account balance was low and overdrafted, my checking account thats causing me to have a {$36.00} overdraft fee I requested to have the auto transfer cancelled XXXX {$36.00} overdraft fee refunded due to bank air and they declined my request. 

I also spoke to a manager at U.S. Bank, who was rude and unhelpful and the situation.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX  # XXXX, has violated my rights. 

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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX NO XXXX Balance {$250.00} XXXX CO 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 non-monetary relief
Consumer complaint received 2018-03-04
Company: EQUIFAX, 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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-09-29
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: BANKERS HEALTHCARE GROUP LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Every since getting my sUAS pilots license ( over 2 years ), I have been getting pre-approval letters from Bankers Health Group ( BHG ). The letters stated I was pre-approved for a loan and needed to go online to 'activate the loan '. I finally did this around XX/XX/2022. You do this activation and then within a day or so a Account XXXX contacts you to get all your personal data and to email you a request for signature in Docu Sign. It was a XXXX XXXX XXXX. And a XXXX XXXX XXXX to sign and email back. Not much information except the loan does not show up in your credit report and is a risk based loan application and requested amount of loan wanted. In addition the Account XXXX said that I need to provide all the requested forms to get approved and to start talking financial numbers. Oh wait so I was not pre-approved? When I inquired about not being pre-approved like letters state and about the XXXX XXXX, a XXXX processor contacted me, via email, saying if I don't sign papers the loan will be pulled. And saying what do I got to lose, no risk, and no obligation. But now I am signing over a XXXX form XXXX for access to 10 years of my tax information and I don't even know what rates or limits or fees or closing costs, or anything about this loan really. I went ahead finally on XX/XX/2022, after thinking over and having some home issues come up that need repaired ( original need for loan ), to provide the requested documents and also once again inquired about the tax form. I was told the tax information only goes back 2 years and only used for identification purposes. On XX/XX/2022, later in the afternoon I inquired about the application and was told it would take XXXX hours to get an answer. On XX/XX/2022 I once again inquired about the loan. On XX/XX/2022 I got an email stating I was denied and a letter will be mailed with reason. 

I truly feel BHG is very misleading on their whole loan process and is not fair to consumers. I have been denied loans in the past, but the lender was upfront with everything about the loan and forms required from the beginning. I don't even really know what the XXXX form XXXX will do and why it was send to XXXX XXXX XXXX CO per the form. 

If needed have email communication with BHG : ) Thanks for any assistance. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 without written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: GA
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:
Sent this letter to Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Credit Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX Alleged Debt Amount or Balance : {$2600.00} XXXX XXXX XXXX XXXX I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed debt. Cease & desist of all collection activity including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain.

This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney. 

In accordance with the fair Credit reporting act Yes Online XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights according to 15 USC 1681s - 2b of the Fair Credit Reporting Act. There are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. I am demanding deletion from my consumer report or else I'm going to pursue litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: GA
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 to the Fair Credit Reporting Act : XXXXXXXX XXXX acct XXXX XXXX XXXX  manage acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy. 
15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my payment posted and shows complete from my credit union/checking account. However as of today XX/XX/XXXX discover is reporting my balance still as - {$14.00} to each of the 3 major credit bureaus. Initially when I made my credit card payment Discover said they would hold the processing for an additional 8 days without much more explanation so my original payment was made early XXXX. That time has passed for the delayed posting that happened ( after no explanation ) and my payment has been processed and was paid to discover by my credit union. The entire {$110.00} was paid to Discover however they are reflecting my limit as - {$14.00} instead of {$96.00} which is affecting my credit utilization and has a derogatory affect on my credit score which is also affecting my financial wellbeing. Its unlawful for an organization to report inaccurate information to the credit reporting agencies. By Discover reporting my balance as - {$14.00} they are breaking consumer laws in regards to fair and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To rebuild my credit rating i aquired a secured credit card through citti bank. I made on time payments for years they never gave me an actual credit card ( that's insulting ) and in turn later found out they were charging monthly fees for a secured credit card! Borrowing from my own money. None of the money they say i owe is anything i used but all fees. They closed the account before i could. saying i owed this full balance of {$400.00} some dollars on a secured credit card of {$300.00}. I had to call them to tell them that it was secured credit card of XXXX to get the balance lowered. Check them out! They hate me treated me like garbage from the beginning and they truly dont deserve the money they say i do that is all fees. They are sending me a new bill each month with a higher balance when i have told them i dont owe them anything. I say that is harrassment. How are they increasing my balance when the account is closed.

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