BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: CITIBANK, N.A.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Date : XX/XX/2023, XXXX XXXX PT Entity : Citibank , N. A. 
Issue : Domestic Wire Transfer Cancellation | Refusal to Assist w/same Amount : {$1500.00} USD I attempted a wire transfer from my Citibank account to a family member 's XXXX XXXX  XXXX account . For reasons unknown to me, I was required to call in for authorization. I did so, and the agent confirmed the {$1500.00} USD transfer was initiated, and it showed processing in the Citibank system. 

However, minutes after hanging up the transfer showed as " unable to process '' with no explanation. I called in again, and Citibank was unable to give me any reason or rationale. Furthermore, they insisted I call in later to ascertain what went wrong with the last transfer as the " system was down '' and additionally noted I would need to initiate a separate transfer, requiring yet another call. Ultimately, the agent hung up on me. 

My bank account ostensibly includes 'free ' wire transfers. However, this is wildly misleading when the true cost includes three separate calls and multiple attempts to -potentially- process a transfer. This is unacceptably sub-standard customer service. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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 XX/XX/XXXX I noticed unauthorized charges on my checking and savings accounts. Most of these charges were ATM transactions. I don't normally use my debit card because the majotiry of my transactions are online in which my card information is stored already and to pay bills which is done by ACH. The amount of ATM withdrawals that were made from my checking account total {$6500.00} and from my savings account in the amount of {$18000.00} for a total combined withdrawals of {$24000.00}. These transactions go back to XXXX of XXXX and I am only reporting these right now because I was unaware that these took place for the reasons I stated above. On XX/XX/XXXX I received letters about my claim and they informed me that they completed their investigation and no credits were going to be made to my account. I contacted the claims department shortly after and requested that a claims representative contact me back so this could be better explained to me. I received a phone call from a claim rep on XX/XX/XXXX and she told me that since a PIN was used at the ATM for these transactions. They consider that to be a reason for denying my claim. When asked to explain further, she said the following. Since a PIN was used they believe that I did not choose a strong enough PIN or I didn't secure my PIN good enough where it would have not been so easy to obtain. She also stated that a Claims Manager noted my account closed and that this claim will never be reopened and investigated again. 

This is totally outrageous that since I didn't choose a strong enough PIN, then someone stole my card, figured out my PIN and made all these withdrawal. That my account is not going to be protected and I am never going to receive any of my hard earned money back. Shame on you Citizens Bank, you are in the business of providing a financial service and to protect your customers financials, assets, etc. Why would I ever do business with a company like you if I didn't feel like I was going to be protected? If that is the case, why wouldn't I just keep my money in shoe boxes and not trust that you are going to do your job and protect the rights of all your customers? 

This is bad business practice and you should be ashamed of yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2021-02-18
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased flooring from XXXX on XX/XX/XXXX. I signed a contract that stated my original total was {$6400.00} but I only had to pay {$5600.00} due to a discount approved by market. I made two deposits on XX/XX/XXXX ( {$580.00} and {$2200.00} ) totaling {$2800.00}. In the special instructions section on page 2 of 14 it stated that I owed {$2800.00} C.O.D. I had two different installation dates. On XX/XX/XXXX I paid {$1700.00}. On XX/XX/XXXX the customer service representative took my payment over the telephone for {$1300.00}. The next day I got a call stating that they had overcharged me and they were going to fix it and my payment of {$1300.00} would not be processed. Then the day after that I got a call stating that I owe {$1200.00} more. After several calls with an unknown representative I asked for a supervisor. XXXX XXXX called me. XXXX XXXX General Office Associate XXXX. Ms. XXXX stated that I owed {$1200.00} more over the telephone and in an email. I explained to her about the call I received as well as everything else and asked her to send me an itemized bill. Ms. XXXX then sent me an email saying I owed {$1300.00} more, she sent me a bill stating that my total order was {$4000.00} my deposit was {$2200.00} with an allowance ( discount ) of {$470.00} and I owed {$1300.00}. However, the original sales receipt stated my original total was {$6400.00} but I was being charged {$5600.00} which is a {$770.00} discount not {$470.00}. Ms. XXXX also sent an attachment showing my total was {$4000.00} with a deposit of {$2200.00}, discount of {$470.00} and balance of {$1300.00}. I informed Ms. XXXX according to the original call I received and the email that she sent me with an attachment mirroring what was she typed, I had over paid by {$390.00}. I also told her that one of my deposits made on XX/XX/XXXX for {$580.00} was not reflecting her itemized bill. Ms. XXXX never addressed that. After several calls and letters mailed to me Ms. XXXX and I couldnt come to an agreement. XXXX XXXX wanted me to send her my credit card statement but with everything that transpired I did not feel comfortable sharing my personal information with anyone at XXXX. On or around XX/XX/XXXX, I received a collection notice for {$1300.00}. This have been a living nightmare and nobody seems to care and now my credit is being jeopardized. Im not sure what my salesman or any other of the workers did with my order.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXXXXXX credit card was reported with a {$71.00} balance but my balance is {$0.00}. See attached

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 2022-03-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I complain and make requests for the permissible permission used to access my credit report on XX/XX/2017 from XXXX XXXX XXXX XXXX ( XXXX  ) and Experian, XXXX automatically labels without even reading This complaint appears to be about the same issues as your earlier complaint. XXXX is Experians client and neither have yet to supply the permissible permission to have accessed my credit report on XX/XX/2017. XXXX  is wrong, doesnt even read the complaints, and wipes their hands clean of this because they are trying to shield themselves from the wrongdoing and liability associated with unlawfully accessing a citizens credit report without permissible permission. Is XXXX a company in 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 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I tried to make a payment at an atm on XX/XX/2020 for {$130.00} and the atm took my payment and gave me a receipt with a number to call. The is interesting due to I took payment from one credit before I tried to pay and I " also '' have proof of this transaction as well. 

The encounter was at bank of america atm on XX/XX/2020 at XXXX XXXX. The location was 8 mile & XXXX in XXXX Michigan. The receipt # XXXX. I had to wait for 2 billing cycles and was told I would have an answer by XX/XX/XXXX. They implied not to pay my card until the problem was resolved and I would have had late payments on my credit file by now. 

Please have to issue my payment back to my card and wave interest charges for one month because I had to pay interest on coming up with the payment to repay the payment that was taken. We should not have to wait two months on something that was not a customer fault especially during XXXX time. It is a really unfair method.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: PA
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-11-21
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I Had submitted online loan applications trying to get a loan to help with my bills and my account received and an mobile deposit in the amount of XXXX and upon further review my account was locked due to it being fraud I physically went to my bank and called the numbers that was provided for my account and upon talking to customer service rep I was told that a mobile deposit was made in my name but I never made an mobile deposit in the amount stated above and the loan company that called me asked for my bank account number and routing number and I did not think nothing of it because i thought that was the process of getting an loan the loan was initially for XXXX but the person i talked to whose name is XXXX said that they would make a deposit of XXXX to boost my credit and help me get a bigger loan all they needed was my account information

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 2023-10-01
Company: EQUIFAX, INC.
State: CA
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:
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.

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 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.

15 U.S.C. 1681s-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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion and XXXX are STILL reporting inaccurate information in this accounts 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 30 DAYS LATE PLEASE FIND ATTACHED XXXX REPORT WITH PAYMENTS POSTED ON TIME PAY ON TIME ON 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 2021-02-17
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
i contacted lexis nexis 6 different times and was directed to submit documentation via email. The email they keep providing me with isn't valid. This company is reporting a bankruptcy on my consumer report which one employee says they received from XXXX ; when i spoke to XXXX they denied providing that information. the other says they got from a employee of the court, that's not true! upon me contacting the court an employee told me they DONT NOT GIVE OUT PERSONAL INFORMATION. I've also asked for the name of the employee at the court who provided this information to Lexis Nexis and no name could be furnished to me or documents.All both reps kept telling me is they received this information from the source, i challenge the validity of this, i know this is a lie, XXXX denies it and the courts told me they did not. I am and was disputing the validity of the Bankruptcy their reporting on my file WHICH THEY DID NOT OBTAIN FROM A COURT OFFICIAL. if they verified this information they should have supporting documents i would like to see them, since its attached to my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2020, I mailed another letter about inaccurate accounts listed on my credit report. It has been almost two months and I still haven't heard from the company.

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 2023-06-21
Company: EQUIFAX, INC.
State: IA
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Ars Account Resolution using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.

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 2023-11-18
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Paragon Revenue Group XXXX XXXX XXXX : XXXX, located at XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX, for their failure to address an overpayment on my account ( Account Number : XXXX Despite multiple attempts to resolve this issue directly with the agency, including two written correspondences and a direct conversation with an account representative, my concerns have been blatantly ignored. The representative unprofessionally ended the call, stating they could not assist further since the bill was paid. 

In XXXXXXXX  I paid a total of {$1000.00}, and in XXXX, {$1700.00}, against an original balance of {$2300.00}. However, XXXX XXXX bill payment service, overpaid by {$450.00}. I have attached the XXXX XXXX payment summary as evidence of this overpayment and have repeatedly requested a refund of this excess amount, to no avail. 

I am deeply concerned about Paragon Revenue Group 's practices and lack of response, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). I kindly urge the FTC to investigate this matter and ensure that such practices are not repeated with other consumers. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: AZ
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've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/22 & XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : 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