BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account, ending in ( XXXX ) was compromised, whereas someone disputed my valid transactions & I disputed the FRAUDULENT DISPUTES! I received a provisional credit, in the amount of {$7800.00}, to make good, on the valid transactions, that were disputed, fraudently! However, there was a XXXX transaction, that obviously wasnt disputed, by CitiBank, as fraud, considering it wasnt handled, like the other transactions. I pleaded with Citi, via phone/email/internet/fax, to correct this, but they would not! The transaction should have been reversed, as there should be nothing, for me to provide, considering the initial dispute, that was disputed, by me, was FRAUDULENT! One of your staff members handled this, as a regular dispute, though it was fraudulent! Please fix this, as my account is closed, with a negative balance of {$2700.00}! I would appreciate it, if my account were reopened, as it should have never been closed, Also, Id like to be compensated, for damages, as this caused a trickling effect of derogatory situations, for my children & me! Thank you!

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 2023-05-04
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account ( CAINE & WEINER ) XXXX XXXX XXXX XXXX XXXX, CA XXXX account # XXXX was placed on my credit report XX/XX/2022 with a negative balance of {$830.00}. I do not recognize the account nor do I recognize the account number. I would like this account removed form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: PACIFIC WESTERN BANK
State: VA
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:
I opened an account with a bank ( XXXX  XXXX ) in XXXX XXXX, CA in XXXX. Since it has become two different banks, and is now Pacific Western Bank. I keep this account as a " rainy day fund '' to cover expenses in the event of an emergency. Due to the age of the account, I have never had access to online banking, and since I do not live in the area to go into the branch, can not set this up. It is not possible to set up remotely, and I now live out of California. I only have my monthly statements and checks. Two years ago I received a statement which indicated that my funds were about {$2500.00} lower than they should have been, and below their " free account '' setting, so that I was now accruing monthly charges. When I called the bank, they said their system had erroneously mistaken my account with one that was one digit away from mine, and withdrawn the funds from mine instead. While it automatically caught it on the part of the check writer, it did not automatically correct on my end. It was a total hassle, and they did not ever refund the fees assessed to my account for the months of a low balance. They told me it happens all the time, and it was my job to monitor my account. 

In XXXX of XXXX, this happened again. I moved, and while my mail was updated, somehow these statements were not forwarded and I went months without receiving a statement. When I finally got one, I was shocked and called the bank. They said that once again my account had been erroneously charged instead of the one that was one digit off due to a check. When I finally reached a person I was told there were no notes and in fact they do not record individual notes on accounts. I was told this was my fault for not checking my account, that this happens all the time, and that it was not their fault. They now tell me that the other account is closed, and they have to reach this other account holder to retrieve the funds prior to putting back in my account. I have spoken to XXXX and XXXX, branch managers. 

Every time I speak with them, they remind me of how this was my responsibility and not their error. They remind me how they are " making an exception '' to even work on this account. They are not sure when the missing funds will be returned, and have no other option than to file this complaint. The check was written for {$2500.00}, and I am assessed monthly fees of {$6.00} for my account being under their critical free account determination.

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 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is reporting falsely and not correcting my personal information. My address XXXX XXXX XXXX XXXX mi. XXXX also my name XXXX XXXX and my dob XXXX phone XXXX my information was corrected and again an employee for XXXX XXXX is altered my information and is collecting money on my name works for the credit freeze department. Everything XXXX is reporting is false. I have disputed and fixedy information but all this activity on my account to date is falsely being used. I have debt consolidation done on me by employee that takes my calls. Please reach out to the beauru and help me correct also reporting to XXXX and XXXX. XXXX. 
Please remove all activity on the XXXX and XXXX account all items need to take of id theft and fixed it but still the beaurus failed to correct. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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:
I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went and pulled my credit and there are some items that are not mine. XXXX XXXX XXXX  XXXX FEDLOAN XXXX XXXX FEDLOAN XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and have reached out to the FTC and to my local police department.

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 2023-11-04
Company: CITIBANK, N.A.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for XXXX XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a Citi Bank Freud as well that they will not let me take off even though it is not mine due to their policy of Freud. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance to the Fair Credit Reporting Act. The lists of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-02-15
Company: REGIONS FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX. 
This happened a couple of years ago when my debit card was renewed. 
I live in XXXX. The bank has my XXXX  address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card. 
I am a XXXX citizen and I have once again been without access to my funds for over two weeks. 
I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card. 
Thank you.

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 2023-09-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A natural person and a consumer. I am aware of the rights I have, which are secured by the Fair Credit Reporting Act ( FCRA ) of the United States of America. According to 15 USC 1681, the information on the list below has infringed my right as a consumer to secrecy and privacy. 

I reviewed my original credit report, which I bought from your company, and found multiple fraudulent inquiries and pieces of personal information. 

INQUIRIES TO REMOVE- XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XX/XX/2022 ADDRESSES TO REMOVE- XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX NAMES TO REMOVE XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: NJ
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:
I have sent several disputes to XXXX, Experian, XXXX stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. XXXX and Experian deleted it off my credit report but XXXX refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all 3 credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to Experian, XXXX, XXXX. 
Experian still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: NC
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 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 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.

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 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX XXXX Americna express account unopened XXXX XXXX XXXX XXXX XXXX  inquiry XXXX XXXX XXXXXXXX XXXX XXXX inquiry 

I contacted and froze all credit Burroughs and started disputes 
Contacted all creditors and reported fraud 
I also got XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was with Nationstar XXXX Mr. Cooper before they sold my mortgage to XXXX. I applied for loan modification in XXXX with Mr. Cooper and never completed it or gave a decision. Just said it was with underwriters. XX/XX/XXXX they sold loan to XXXX, I called on XXXX to XXXX and they have none of the paperwork. So obviously I have to probably start all over again. I had forebearance and now Im so far behind. Though Ive been trying to get modification since XXXX. First they said I couldnt but because of Covid they said in XXXX to put in for modification. Yet they sat on it! I dont want to lose my home! I am too old!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter for the XXXX  XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX  XXXX XXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my family 's life. I would like this account to remove. 
Here is my account information to us during the investigation into this matter. 

Transunion Account Name : XXXX  XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.

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 2022-03-10
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX repossessed a truck from me after conducting a charged off on the vehicle loan account on XX/XX/XXXX and closed the account. It has been 7 years and the account dose not even shows on my credit report. Last night XXXX XX/XX/XXXX the truck was repossessed from Michigan and taken to Wisconsin. I call them and they want 4400 to return the truck but it has been a year past the statue of limitations on a contract loan in the state of michigan. The company will not even acknowledge this when i tell them and just ignores the statement.

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 2023-09-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Issue has be on going for almost 6 months with no real resolution insight. Fifth Third Bank closed my account and is keeping my money for their investments use but will not return my money nor give me access. 

XXXXSigned up online for checking account and funded the account {$500.00} via online from my bank account. XX/XX/23. Received email stating my debit card had been activated, though I never received the card. Called customer service about unauthorized debit card activation, was told to come into a branch to verify my identity. Informed them that is was not possible because I live in KS and the branch they suggested was in Indiana. XX/XX/23 Received letter in mail stating the account would be closed. XX/XX/23 Called customer service about deposit being returned due to the account being closed. During the call I was transferred to local branch in Indiana, and was giving the same irrational answer of flying into Indiana just to show someone my ID even though I have no account with them at this time. 
XX/XX/23 Called customer service to speak to upper management about situation only to be transferred back to fraud department. Representative informed me of the option to email ID and SS to get verified by Indiana branch. Rep said she would note my account of the matter so Indiana branch manager could better understand the situation. Called Indiana branch never spoke to branch manager because called was screened by a rep who rememberer my call from months ago of same issue. Indiana branch refused to accept their own suggested solution of emailed copies of verification. 
Bank still wants me to fly out of town to go into branch to show a teller my id. Upon showing my ID, I still wont get my funds on demand because they will be mailed by check in 7-10 to my home in XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CITIBANK, N.A.
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:
XX/XX/ contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. 

XXXX XXXX XXXX  - CBNA  ( not authorized ) XXXX XXXX XXXX -THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIBANK NA XXXX XXXX XXXX XXXX XXXX XXXXCBNA XXXXXX/XX/XXXX, XXXX XXXX Card service

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 2023-06-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a follow-up to my original complaint filed on XX/XX/2023 as follows : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card or prepaid card ISSUE Other features, terms, or problems As I indicated in my feedback to this complaint, the answer provided by Truist was ludicrous and totally unacceptable. As a result, I used figures from their website for all my credit card statements since inception and the FACT is that they still owe me {$220.00} for rewards earned, but unpaid by them. This was NOT a system error, as indicated by my detailed breakdown of charges and rewards owed at 1 %. ( SEE ATTACHED DETAILED BREAKDOWN )

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