BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a checking account with Citi for a promotion. 
When trying to log into my online account to transfer funds, I was notified that " XXXX Blocked - Error Code XXXX ''. Called the number provided. 

After being on hold for XXXX hour, I was told that my account was in restricted status and that I would receive a letter explaining why and that my funds would not be available for XXXX days. When I pressed them for more information- they hung up on me. 

I called back and was finally able to talk to someone who told me that a fraud investigation was initiated on my account due to a direct deposit FROM my employer to my Citi checking account and my account was in restricted status and there was nothing they can do to help me get my funds. 

I did not initiate a fraud claim nor was I contacted at any point to verify any transactions that triggered their fraud system. They just closed my account and told me afterwards.

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 2023-01-11
Company: CITIBANK, N.A.
State: FL
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:
THIS IS NOT A DUPE. XXXX is sending wrong uncorrected information on my credit file to 3rd parties, my lenders. They are re-aging the " REAFFIRMATION '' from XXXX  years ago XXXX XXXX. 

They have failed under multiple complaints to correct my file. I have contacted XXXX XXXX XXXX XXXX about the VISA and the bank states to contact XXXX that they are not reporting the account in Collection or any other Derogatory information. 

I have filed several disputes and complaints to NO AVAIL XXXX continues to report erroneous uncorrected information to my lenders directly negatively affecting my Score, Accounts, Utilization and overall Credit Worthiness. Their investigations have not resulted in the correct action. Though, documentation has been sent, they have taken their time and totally failed to remove the NEGATIVE information from my credit file. They have shared the incorrect information which most recently have resulted in a closure of my XXXX XXXX XXXX ending in XXXX, and reduction of my credit with Macy 's that I have had for years. 

This company is unethical and represents " bad business ''. Their business license should be rescinded.

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 2021-03-12
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021 I applied for the Citi Premier credit card. The bank approved the application the next day. I applied for the card, in part, due to their enticement of awarding me XXXX  Thank You points after spending {$4000.00} within three months of opening the account. Upon receiving the card, it immediately declined my first charge. I called the bank to have them verify my identity. They told me they fixed the problem. The next time I tried to use the card it declined again. I went through the same process to fix the problem. I have called the bank 12 times over the past 3 weeks spending hours on the phone, because the card continues to decline. Every time I call the service rep assures me the problem is fixed, yet it persists. I just called again today, and the rep told me she could not fix the problem, and I would need to wait to hear from the bank. This has caused stress between my husband and me. I just want the bonus I was promised. I have been able to get some charges through, but not {$4000.00} as the Citi offer states. 

The bank has not provided the product they promised. It does not work properly, thus preventing me from meeting their terms in order for me to earn the XXXXpoint welcome bonus.

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 2023-11-17
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

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 2023-10-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a XXXX XXXX XXXX, VIN # : XXXX, through XXXX a few year ago and decided to refinance with USAA. At the beginning of XXXX I had finalized the process a refinance loan with USAA. All that was left was for USAA to send a pay off check to XXXX. On XX/XX/XXXX a check, for the amount of {$11000.00}, was meant to be sent to XXXX XXXX XXXX XXXX Georgia. A month later my XXXX account is still showing a full balance. We contact XXXX and are told a check for the payoff has not been received. 
Upon speaking with XXXX, they provided me with a tracking number ( XXXX ), supposedly for the pay off check, that says the package was delivered on XX/XX/XXXX in a mail box at a XXXX Tennessee. After further calls with both companies, I was informed by USAA the check has been cashed. USAA provided me with a copy of the cashed check which has the account number the check was cashed to, along with a name signed on the back " XXXX XXXX ''. I provided XXXX with the copy of the cashed check, to which they further investigated and confirmed they did not receive it. After hours and hours on they phone speaking with USAA member resolutions, loan origination, a personal advocacy member, and XXXX fraud reports, it is now XX/XX/XXXX and USAA is holding strong that they have done no wrong and I am still responsible for paying their loan, along with XXXX. This means I am responsible for paying XXXX {$11000.00} loans to XXXX different companies for the same car. My loan through USAA is a car loan connected to a vehicle, in which XXXX still owns and possesses the title for. USAA does not have the title and they will not look into the matter any further but are still requiring me to pay them. I never saw or touched the refinance pay off check. did all of the steps correct and in no way could have affected the outcome of this. 
XXXX is requiring me to continue to pay them even though had no impact on this lost check.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I submitted a request XXXX XXXXXXXX XXXX  for an alleged debt they reported on my credit report. They received this information request on XX/XX/XXXX and as of today, XX/XX/XXXX I have not received any sort of correspondence pertaining to my request at all.

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 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Thank you for your previous help in trying to get a loan modification from Bank of America since we were recently denied in the past. Upon sending the loan modification paperwork to Bank of America, we were sent the same application to complete again and again. We need your help in ensuring that the Bank of America paperwork game do not continue. I am attaching the documents so the Bank of America representative can resubmit the paperwork to the loan modification team. 

Also, we recently tried to get Home Owner 's Insurance at a cheaper rate and the insurance company stated that I did not have a mortgage account with Bank of America and they could not send proof to the insurance company. Thanks. 

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
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Around the end of XX/XX/XXXX I went on to the kohl 's credit card mobile website to change my bank account information. The only place I could see to do this was under " payments. '' I added my new bank information and deleted the previous bank account. Nowhere on the website did it notify me that if I was using the autopay feature that I would have to change the bank information in a different part of the website for the autopay to use my new bank information. The autopay charged my old account on XX/XX/XXXX. Because I wasn't expecting money to be taken from that account, I had nothing in it to cover the payment. I was then charged an overdraft fee of {$35.00} from my bank. When I saw this I called the kohl 's credit card phone number and spoke to XXXX. I explained the situation to her, and though she acted like she understood, she also rudely stated that most customers know to go in under autopay and change the bank information there as well. Apparently the " payments '' feature was for one time payments only. When I first signed up with autopay all I did was click a button to turn it on and it automatically populated the bank information from the payments section. I tried to ask why it didn't automatically do that again when changing bank information but she didn't have an answer. She tried to help me change the information under autopay but on my end there was nothing to change. She then had me get on a desktop computer to try. I didn't have the password to my kohl 's credit account saved on that computer so it locked me out even after creating a new password. Herself and two others tried to unlock my account but were unsuccessful. I was told to call back another time to try again. At that point I had already been on the phone for 30 minutes and in the end there was no resolution. I believe this to be unfair billing practices and intend to pursue this to the highest level I have to. There needs to be a warning that changing bank information on the payments tab does not change it for autopay. In addition, the mobile site needs updating as it clearly can not show important information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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: Account information incorrect

Complaint:
I received a letter from XXXX with a XXXX XXXX of XXXX. I have an account with Experian in which I log into regularly and they send updates to my email regularly. I checked my score with Experian the day I received the letter from XXXX and my score was XXXX. This is a significant difference and I am currently working to improve my score and have been for months. I would like this information corrected.

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 2021-08-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Creditors' Protection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
reached out to creditors protection provided proof insurance was not mine creditor refused to remove from credit bureau Explained that the bill was not mine, and the debt did not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction. 

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.

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 2023-01-14
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update/correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: GOLDMAN SACHS BANK USA
State: SD
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I did a home equity loan through my bank and paid off multiple credit cards including my GM card ending in XXXX. The account was supposed to be closed at payoff. I cut up all my cards at that point, but I could not find my GM card. I was not concerned though because it was closed. In XXXX, I got a notification on my credit monitoring service of a delinquent account and saw that this GM account that was supposed to be closed with a XXXX balance was reporting past due. I have never received anything in the mail alerting me of this. I called GM and discovered there were several XXXX purchases that were made after it was paid off. So I logged into my XXXX account and compared my history to the charges. NONE of them were on my XXXX history. I rarely use XXXX and I did not at all in the timeframe of the charges. I called GM and reported 4 charges as fraudulent- {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. GM approved and removed the {$15.00}, {$11.00} and {$20.00} but have done nothing with the {$72.00} charge ( which was on the same day as the {$15.00} charge that they removed ). I have called 4 times in the last 30 days and am continuously told it is still " pending review. '' Meanwhile, it continues to report as delinquent and incur late fees and interest charges! I called today and asked if it is still incurring late fees and interest and reporting late while under review and the rep said yes! The rep also said, even if the {$72.00} charges is removed, I may still be responsible for the fees. This is completely unfair and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe that this limitation has been imposed by mistake, as I have not violated any of PayPal 's policies. 

I kindly request that PayPal re-investigate my case and consider restoring my account, if possible. I have always adhered to the terms and conditions outlined by PayPal, and I am confident that a thorough review will confirm my compliance with your policies. 

For reference, the email address associated with my PayPal account is XXXX. I kindly ask you to take this matter seriously and give it the attention it deserves. 

I trust in PayPal 's commitment to fairness and integrity, and I sincerely hope that you will reconsider the decision to permanently limit my account. I believe that by conducting a detailed investigation, you will recognize that this limitation was unwarranted and restore my access to the services provided by PayPal. 

Thank you for your attention to this matter, and I look forward to a positive resolution.

Company response to consumer: Closed with explanation