BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Responding to a promotion ( Citibank gives you {$700.00} for opening a new account and depositing {$50000.00} into it ), XX/XX/2022 I opened a new checking and savings account online, via the Citibank website, and transferred {$63000.00} and {$2000.00}, respectively, into the new accounts, from accounts I had that were paying little to no interest with XXXX XXXX and XXXX Bank. Fewer than 10 days later, while I was out of the country visiting my family, Citibank closed the accounts ( due to an issue with XXXX, I believe, after visiting a local branch to try to resolve this ). A few days after my return, a check arrived in the mail for the {$2000.00} I had depositied into the newly opened ( and now closed ) savings account -- but nothing for the {$63000.00} I had deposited in the newly opened ( and now closed ) checking account. That was 2 months ago, and I am still waiting ( and calling and worrying ). 

I have had a credit card with Citibank for many years ; that's how I received the promotional offer. And, as indicated above, I have checking and other accounts with XXXX XXXX, XXXX, XXXX XXXX, XXXX and others. I can not immediately understand why Citibank could not confirm my identity -- if indeed that is the reason they quickly closed the accounts and froze my money. 

Over the course of the past many weeks, I have called Citibank multiple times, spoken with multiple people, often given multiple and conflicting explanations. Several times I was assured that a check was " in the mail, '' but no such check ever arrived. I went to my local branch office 3 weeks ago -- and again this past Monday. The young many there was very patient and friendly, and made calls to different people within the corporation. But ultimately he was unable to get any solid answers -- much less my money. 

I have read online about nightmare scenarios similar to mine where people waited 5 or 6 months to finally get their money. I'm hoping someone can help me resolve this sooner than that, but of course before we know it we'll have arrived at the 3 months mark. 

I can not tell you how many nights I have woken up in panic wondering if I will ever get my money back. I have lost weight. I have treated my household members badly. Family members tell me they see how this is on-going ordeal is actually making me physically ill, and now too are worried. How are banks allowed to do this to simple, honest people like 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 2021-06-13
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Chime bank had dinied my claim if fraudulent charges by not refunding my account after my house was vandalized and police report was filed but they havent even get in touch with police to reconsider their denial this charges were made into my account with out my consent and all my savings were gone from My unemploymennt insurance 59  charges were disputed and they hasve failed to comply with it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: JPMORGAN CHASE & CO.
State: SC
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:
To Whom It May Concern : My personal information was leaked from my company. Thus, I have identity theft on my credit which is affecting my XXXX XXXX XXXX XXXX XXXX and Chase credit cards are not mine nor have I ever done business with these merchants. My XXXX XXXX has always been over XXXX and because of identity theft this is negatively impacting me. My credit file needs to be updated accordingly. Thank you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Penn Credit Corporation
State: MI
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:
I noticed that I had a medical collection on my credit report so I sent a letter to the collections agency asking to validate my debt, as the law mandates. I sent the certified letter on XX/XX/2021 which was received and signed by one of their agents. They failed to validate my debt in the allotted and have not removed the debt from my credit report as the law stipulates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-08-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Shellpoint Partners, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I wrote about this years ago and it was never resolved. Since then about a letter every few weeks just keeps coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells fargo national assciosation bank and all other corperations wells fargo has due to XXXX XXXX XXXX  and wells fargo trust fund in my name with land ownership and oil mineral rights and credit owner of interest office of the comptroller of currency in XXXX texas is asking for account number never recieved from XXXX XXXX police dept which has case of XXXX XXXX XXXX XXXX twice now is XXXX like XXXX XXXX into wells fargo acvcount in XXXX that reason parents were XXXX  and wanted to giuve me life sentence in XXXX and premeditated XXXX  and piosening started and still havnt recieved my product due to virus clogging up pours and need to do ask i stated with product from efedrin machine and XXXX  doctor home and house next door should been creating cure and zapping serpints in controlled substance to have virus hopefully stay water till recieve capsule might take one year to recieve its the clear substance needed not the extraction of siemen but the leakage of precum that strongest with body high not medical marijauna piosen kills children annerism and high courts ruled on this case already so what problem a police XXXX advised a poterntal women who never used such enhancement of XXXX driven stanima for at least XXXX to XXXX hours a day shalin seagal can break records i believe since i know her and wouldnt set up she be paid in full by XXXX and my signature stamp agreement forinsic should of been here if possesd long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed the debt company posting XXXX on XXXX credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XXXX XXXX  and never received any statement from comcast of showing balance is due.With XXXX  services I only had basic internet services for my XXXX  to use for after school homework with a monthly balance of $ XXXX policy is you prepaid XXXXhe month advance. I been disputing with them. SOUTHWEST CREDIT SYSTEMS can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my XXXX XXXX decreases because of the neglects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2021-08-16
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with experian. delete all invalid data asap that is hindering my file.

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 2021-08-16
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have an account on my report that keeps reporting negative it was paid in full and is reporting to my credit report negative. The account is CAPITAL ONE is doesn't show any accurate information since XX/XX/2022 and the 3 credit companies will not help me resolve this problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am making a final goodwill attempt to have you clear up this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of XXXXsc1681, for not properly verified the accuracy of any of the provided accounts I have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, I can pursue litigation to enforce my rights under the FCRA.. I demand my right to be acknowledged to these company immediately. Sincerely XXXX XXXX 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX, 2. XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Possible Financial 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: Their investigation did not fix an error on your report

Complaint:
I spoke to manager XXXX in the customer success department. She assured me on XX/XX/2020 that both XXXX and XX/XX/2020 ( Which I have in writing from XXXX XXXX late fees will be removed from my credit report effective XX/XX/2020. I noticed within a few days from XX/XX/2020 the late fees were removed and they then returned again. I sent out another email asking for a phone call from XXXX which I still have NOT received a phone call from anyone from this company yet explaining the issue and when I can expect the LATE FEE to be removed from both XXXX and XXXX. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS As a consumer I expect Possible financial to stand by their word and remove the late fees for XXXX and XX/XX/2020 as agreed by XXXX on XX/XX/2020. The company expects on time payments and I expect and trust that XXXX or the management staff at Possible Financial to be held accountable for the word. I need these Late Fees removed immediately from my report, I will not give it another month ... They need to have it done rapidly with in days of receipt of this letter THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Please REMOVE the LATE FEE as agreed between XXXX and I on XX/XX/2020. Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1, XXXX continued to bill me for XXXX & XXXX, with a total of {$99.00}, after " request to disconnect the service '' was made in the XXXX of 2023 ; 2, On XX/XX/2023, I contacted XXXX to correct this mistake and was promised by XXXX 's XXXX chat agent that this balance shall be waived. This conversation was recorded in XXXX 's Chat Log : XXXX ; 3, Instead of acting on promise, XXXX kept sending bills until XX/XX/2023 when I contacted XXXX again. The same promise as in XXXX was repeated, and I was told to rest assured, as evidenced in Chat Log : XXXX ; 4, Once again, rather than acting correctly as XXXX has promised twice, XXXX hired Debt Corrector, Waypoint, to collect from me the false balance of {$99.00} ; 5, After being provided the screenshots of XXXX 's above promises in XXXX and XXXX, Waypoint told that this collection account will be closed. 
6, However, now XXXX hired another collector, XXXX, to repeat the same harassment Please see the attached screenshots for evidence that this wrong balance of {$99.00} has been promised twice by XXXX 's customer service to be corrected to {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company reported a bunch of rent owed after I vacated the unit due to losing my job during XXXX in XXXX of XXXX and needing to relocate. They were notified of my vacancy and I made several attempts to provide a sublet individual to take my place in which they would not qualify those individuals based on credit. ( Its a college town ) XXXXXXXX XXXX. I moved to XXXX the same month of XX/XX/XXXX and began working a new job and renting from another apartment complex in XXXX. Not until XXXX XXXX this apartment complex in XXXX XXXX XXXX reported this debt to my credit out of nowhere.

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