BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020, I opened a new account with Citibank. Upon opening new account, banker then led me to branch teller to make my deposits. I handed teller sealed envelopes of my CASH deposit. She opened them in front of me then walked away out of sight for some time. I thought she would be right back with a bill counter. Instead she returned and handed me a deposit slip. I was confused because she did not count CASH in front of me ... but I was forced to leave because branch had just closed for the day. Later same day, I realize I am missing {$2200.00} from my cash deposit. 

I returned NEXT business day ( on XX/XX/XXXX ) and explained to banker ( who opened my new account ) what happened with teller/ my deposit. 

He didnt investigate the matter. Instead he brushed off the seriousness of her negligence. 

I asked him why teller walked away out of sight with a large sum of CASH? Why she didnt count it in front of me? And stated that Ive never seen this happen at any bank branch before. And how can I confirm she made a proper deposit? 

Banker replied that THIS BRANCH placed bill counters out of sight and DOES NOT COUNT CASH IN FRONT OF CUSTOMERS purposely. 

I recorded him admitting to this on my phone. 

I opened an investigation with CitiBank regarding my missing funds AND the negligence taking place at this branch. 

CITIBANK REFUSED to properly investigate this, never reached out for my evidence, closed the investigation citing deposit was correct because branch told them it was, and is REFUSING to honor my appeal! 

CITIBANK is supporting negligence and theft at this Branch by refusing to do a PROPER INVESTIGATION and by ignoring my appeal.

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 2022-02-13
Company: WELLS FARGO & COMPANY
State: MD
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:
A error in Wells Fargo 's bookkeeping is negatively impacting my credit reports. While I have maintained a revolving line of credit with this financial firm since XX/XX/XXXX, I was recently advised that Wells Fargo reported to various credit reporting agencies that my account was past due in XXXX of XXXX. I have been a reliable customer with Wells Fargo and recall no time when I did not honor my contractual obligations to remit payments timely. In addition, I received no notification indicating that my account was past due or required any intervention. The aforementioned error, negatively impacting my credit score, is posing financial hardship.

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 2023-09-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Today I called Citibank customer service regarding Best Buy credit card statement with a balance of {$13000.00}. and a fee of {$670.00} and required minimum payment of {$810.00}. I paid {$13000.00}. for heating/cooling system with a check that was mailed to me with 0 % transfer fee on the side of the check. Before I paid for this unit, I called the bank and asked for a credit increase, I was given the right to increase the balance. The person on the phone did not explain what kind of fees would be associated, as it was 0 %. I was surprised to see a fee associated with the check that I paid with and called the customer service line XXXX. I spoke with multiple people. The following are the representatives who provided me their names XXXX XXXX. I explained to her that I requested a fee waiver as no one explained to me that there would be a fee associated with this check, or if there was a fee what it would be if I paid {$13000.00}. The person said she was unable to assist me, she would provide feedback to someone. Also, she told me I did not have to pay {$810.00}. a month, that I could pay {$140.00}. a month. I asked her for something in writing about that as this was not in the statement. She explained that as I went over {$13000.00} I had to pay {$810.00}, but as I talked to her about it I did not have to pay that amount, I could just pay {$140.00}. a month. I explained to her that no one informed me that if I go over {$13000.00}. I had to pay more than minimum amount monthly. I asked to speak with a manager, she transferred me to XXXX ID XXXX. She was already aware of the issue with the fee, my request for fee waiver and the monthly payment issue. I explained that I was not informed of the fees and that I expected to have the fee reversed. I explained that this if fraud and that I needed to speak with a manager. She transferred me to a person who said he is XXXX, he is probably the same person I spoke to the same evening who disconnected the call. XXXX said his Team ID is XXXX. I asked him again why the fee was not being waived. He said " That is a great question. '' I asked him to explain why he was unable to resolve the issue and why he was being condescending. He said that I was being unprofessional then he disconnected the call. I have a picture of the check, on the front there is absolutely nothing written about a percentage that has to be paid. The portion that was torn off the check has a XXXX percent on the front of the check. The company should not mislead customers to believe that there is no balance transfer fee or 0 % when on my bill there is a fee.

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 2023-06-05
Company: Ability Recovery Services, LLC
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Ability Recovery Services LLC to make an attempt to try and verify a debt they say I owe they put me on hold and then blocked my number I'm still blocked as we speak and they couldn't even locate the debt but they are reporting it to my credit report so someone has to explain what is going on.

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 2022-03-22
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 with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 sent a letter on multiple occasions to XXXX, XXXX, and Experian. Here is my tracking number. It has been over 30 days and the credit reporting agencies have failed to send my investivation back. This isnt making any Sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland Credit Management- IS not licensed to practice debt collection in the State of California . Midland Credit Management has listed their debt collection license as pending as of XXXX It appears that they have been convicted and accused for unfair debt collection practices by consumers. I received a summons from them although they are being investigated for FRAUD. Midland Credit Management also functions as Midland XXXX XXXX which is a direct violation of the FCDPA- False and misleading deceptive practices. The process server from Midland Credit Management sent to my home walked around my house and spoke to my neighbor regarding debt. Process server refused to identify herself and called repeated after leaving my home. This summons does not have a true bill attached. Payments and charges are not listed. I had insurance on this account also, which was ignored. I have found at least 20 FDCPA violations in their complaint. This company is disgusting and should never be allowed to exist on this planet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022, I have transferred {$1000.00} via wired from my XXXX XXXXXXXX XXXX to Scammer 's bank below. 
Scammers banking information and located in NY XXXX. 
Bank site : http : XXXX Santander Bank Account nameXXXX XXXX XXXX Account number- XXXX Routing number- XXXX XXXX code- XXXX Business address- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Bank address- XXXX XXXX XXXX New York XXXX NY XXXX Scammers misused XXXX XXXX XXXX XXXX and business XXXX Scammer XXXX XXXX XXXX has own Business website : XXXX : XXXX Scammers has used bank web : Bank site : XXXX XXXX XXXX Scammers has used business web : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scammers created shipping tracking web : http : 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 2018-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been notified that Portfolio has placed on my credit reports that I owe them money. I do not have a contract with Portfolio and they can not prove any proof of signature or that I have a contract with them. They are demanded to immediately remove their reporting from my credit reports or pay me XXXX for defamation of my name/credit. The other complaint I have against them they have not even responded too. This company is conducting shady business and breaking many laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A little over a month ago I opened an American Express business account. When my first bill arrived I was quick to call them ( early XXXX ) as they were billing me at a time of month that was problematic. I was informed by the representative that my bill would be changed for the next billing cycle, which would have made this bill due in XXXX. However, AmEx delayed this request and instead is attempting to charge a late fee for a late XXXX statement, despite the fact that I was promised I would now be on a cadence to pay in the first week of each month. This manner of business is highly unethical and clearly meant to confuse customers and extort funds as late fees. I demand that this bogus {$40.00} fee be removed from my account immediately. Please note that a simple review of the calls ' transcript will prove that I was informed that the change in billing cadence was made, would be in effect for my next bill, which would be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to XXXX   XXXX  and Experian credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. XXXX, XXXX and Experian sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXX XXXX XXXX. if this account was investigated without belief that it was not and verified, my question is. with what proof???

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 2021-06-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Ill try once more to get the my auto loans entire account that has disappeared from Equifax last month ( XX/XX/2021 ) put back on my credit file with Equifax. The account has not been changed from the other two main credit reporting agencies. It was a closed and paid as agreed account. That should have never been deleted according the the credit provider when we contacted them yesterday about the account not showing on my Equifax account, but is still present on the other two main credit bureaus. 

The removed account is : XXXX XXXX XXXX or XXXX XXXX XXXX. 

This was also mentioned in previously and unanswered complaint ( see XXXX ) - In that already filed complaint that has yet to be answered the Closed and Paid as agreed account 's payment history was altered on the wife 's Equifax credit report and was completely removed on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CCS Financial Services, Inc.
State: IL
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:
Dear XXXX, XXXX and XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$470.00} Party Owed : XXXX XXXX Amount : {$550.00} Party Owed : XXXX Owed : {$190.00} Party Owed : XXXX XXXX XXXX XXXX Amount Owed:XXXX I am disputing this claim due to : I had know knowledge to this account nor did I give permission for anyone to use my information This is my official request to have the aforementioned item to be deleted off my credit report .Enclosed may be additional information evvidence to support my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to Equifax XXXX  and XXXX  credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. Equifax, XXXX  and XXXX  sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXXXXXX XXXX XXXX. if this account was investigated without belief that it was not and verified, my question is. with what proof???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-09-10
Company: General Motors Financial Company, Inc.
State: IL
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:
Dear XXXX, XXXX and XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount : {$690.00} Party Owed : XXXX XXXX Amount : {$770.00} INQUIRIES XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I am disputing this claim due to : I had know knowledge of these accounts addresses or inquiries nor did I give permission for anyone to sign up with their company underneath my information I have also sent dispute letters as well as FTC report to the companies and credit bureaus listed above This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation