BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern : I made a complaint with Citi bank about alleged fraud on my account, I made multiple disputes and still have not gotten a response. Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account # XXXX, I originally made a complaint immediately after the fraud was noticed. I made multiple calls to Citi bank and was told the case is pending, this was back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also attached copies of the fraud checks. The reference XXXX and XXXX, XXXX These are the ones that I have for some reason the bank closed the case without explanation. 

I need you to check the recorded calls on the dispute claims that were made. 

Also, I have attached the checks to show the fraud and the signatures do not match. 

I did get a response that the claim was made late, it that was not the case, for some reason the bank closed my complaint so they made me file a new one

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-13
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called about refund from XXXX, and they could not provide me any information on the incoming credit, see picture attached. 

I have 2 virtual account number, which do not show up on my profile any longer so I can not see them, this is card ending in XXXX which is from card ending 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 monetary relief
Consumer complaint received 2020-12-30
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2023-06-09
Company: W&A Intermediate Co., LLC
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WAKEFIELD & ASSOCIATES used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WAKEFIELD & ASSOCIATES reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Bank of America in XXXX or XX/XX/2022. I received an adverse action. 

I did not receive a letter from Bank of America for their reason for denying my application after running my credit.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-06-09
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my student loans from XXXX to Mohela and all my previous payment history is missing. These payments go back from XXXX XXXX. If these payments are added I will have over 120 payments and be in the loan forgiveness waiver category. I have submitted a complaint with Federal Student Aid which has been pending for months no resolve or movement. I have called numerous times to Mohela and received various answers but still no resolve. XXXX has sent me the payment history but there is nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXX XXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
2017 two fraudulent XXXX XXXX credit accounts where created and disclosed to consumers reporting agencies. I called XXXX XXXX who was unwilling to assist with the matter. I also requested the reporting agencies remove these accounts from my consumer reports as well as inaccurate information regarding employment and residence. The consumer reporting agencies also were unwilling to remove the fraudulent claims. According to 15usc 6801 failure to report accurate and correct information. And also disclosure of false personal data and false 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 non-monetary relief
Consumer complaint received 2020-12-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, they deposited two checks to my account, someone entered my account and made those deposits, one check was for XXXX and the other for XXXX. 
After this, the person who entered my account made shipments through XXXX, XXXX and purchases in XXXX. 
After this I put my complaint in the bank because my account had been overdrawn by an amount of XXXX dollars at that time, I made the request of my case in the bank and they opened 4 different cases related to the fraud that they made in my account. 
today, XX/XX/XXXX, a month after investigations at the bank, they told me that I had to pay the money from my account, something that seems unfair to me because the bank has no security whatsoever with my 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 2021-04-06
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
I called Equifax to have my dispute remarks reported as now resolved XX/XX/2021. I waited the 30 days however one acct did not get fixed. I called again on XX/XX/2021 and was told it was upgraded to the consumer affairs department due to a glitch in there system and would be resolved in 72 hrs plus I would receive a phone call from them at the 72 hrs mark. No phone call, no repair for my comment to say no longer disputed by consumer. I called again XX/XX/2021 and was told they upgraded my complaint yet again. I called back today XX/XX/2021 and was hung up on, no rectification of issue. This is impacting my family and I life. All that needs to be done is my comment to be changed that I no longer dispute this item. Please help Im trying to buy a house and am suppose to close in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I came across information re the overdraft lawsuit with regions. I have incurred overdraft fees and held deposits over the XXXX years of banking with them. I have complained for years. Commonly about my deposits going in after transactions to cause the overdraft fees. I would like to be added to the current overdraft lawsuit if I am able.

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 2022-09-16
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:
On or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted XXXX, Experian, and XXXX several times about this matter and my concerns. XXXX, Experian, and XXXX have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter. 
2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter. 
4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. Experian Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.

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 2019-03-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Synchrony Bank/Walmart Credit Credit opened XX/XX/XXXX and closed around XXXX I believe. At the time of closing this account there was a major problem, my issue was this account was paid in full at the location in XXXX, Maryland. The payment that I made didn't post to my account until 3 days later. When I call the Customer Service my payment disappeared Walmart Customers Service said there were having system problems. My credit card account end up going to collection. I recently received a check from Synchrony Bank/ Walmart saying that they issuing me a check for overpayment.

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 2021-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payment XXXX due to covid19. On XXXX, I applied for assistance with my mortgage company and on XXXX was denied for all options that allow me to keep my home. I was denied for a repayment plan because they say I can't afford it. I was denied a loan modification because they are unable to lower my principal and interest payment. 

This global pandemic has caused a hardship that would otherwise never have happened and caused a default that otherwise would never have occurred. To require that I come up with all mortgage payments at once or move out of my home while we are still in the pandemic is extremely disheartening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: ASSOCIATED BANC-CORP
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I set up an account with Associated Bank  in XXXX WI. After I decided that the XXXX was where I intended to retire. This was in XXXX. I chose them because of their international banking abilities. They first stopped my Banking ability because I didn't have a US address. I gave them a US address in XXXX, California XXXX. The account was reactivated and was good for a few weeks. On XXXX XXXX they stopped my account and told me that they were sending the balance to my address in the Philippines XXXX This account ( my Social Security Check is what I live on. I have no other means of support. I must have this direct deposit from Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
See attached ID report that I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Requested several times to remove fraud alert from my Experian credit report. Please remove fraud alerts from my credit report immediately.

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 2022-02-02
Company: LoanCare, LLC
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A home loan refinance was initiated through XXXX XXXX. They submitted the payoff amount to Loancare LLC on XX/XX/2022. Loancare policy is that late payments are not reported to credit bureaus unless payments are made outside of the month that the payment is due. After the payoff was completed, Loancare reported the mortgage as paid off and 1 month deliquent. We are requesting that Loancare remove the late payment report to the credit bureaus.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Credit reporting which i did not pursue.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: MN
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:
TODAY I SPOKE TO THE FRAUD DEPARTMENT AT EXPERIAN SO THEY CAN FILE A IDENTITY THEFT FRAUD DISPUTE AGAINST XXXX  FOR ACCOUNT # XXXX. DURING OUR CONVERSATION, THE AGENT ADVISED ME TO FILE A FEDERAL TRADE COMMISSION IDENTITY THEFT FRAUD COMPLAINT AFFADAVIT. ATTACHED IS MY AFFADAVIT FOR MY OPEN IDENTITY THEFT FRAUD CASE # XXXX WITH EXPERIAN. I HAVE ALSO FILED A POLICE REPORT AND ATTACHED THE TEMPORARY REPORT TO THIS COMPLAINT.

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 2019-07-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have informed Equifax of an incorrect reporting on my credit file. They have deleted and removed the fraudulent report on my credit report but just I pulled my credit and that account has been put back on my credit report again. I am under the understanding that once and incorrect report has been deleted or removed that it can no longer be put back on someone's credit report again. I am requesting that Equifax remove/ delete the incorrect and fraudulent information being reported on my credit file. This incorrect Collection account from the " The Bureaus '' does not belong to me and wish for it to be permanently removed for good and not again placed on my credit report again., as they have recently done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company 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