BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yes I took my phone to the shop and forgot my card and other info were in the back of my phone. I got my phone back on XX/XX/23 and logged into my Wells Fargo account and seen a slew of atm transactions that were not made by me that day they were posted on XX/XX/23. The anmounts were 6 charges for {$500.00}, 3 charges for {$200.00}, and 1 for {$180.00} Immediately after recognizing the issue I contacted the bank to let them know. I was told that I would receive a temporary credit and never received it. I was told I would be contacted 10 business days later and was never contacted just and automated email. Finally I decided to call them and was told that my case was denied because they determined that fraud didnt occur. I know that under federal law I have two business days to contact the bank and I will not be liable for more than XXXX dollars.

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 2023-04-28
Company: EQUIFAX, INC.
State: PA
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:
I noticed unauthorized inquiries from : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CITIBANK, N.A.
State: NY
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:
Inquiry date : XX/XX/2020 Removal date : XX/XX/2020 Bank installment loan I went to citibank in person to request information about availabilities regarding a loan, but i did not request any loan or line of credit and i did not authorize for them to pull up my credit - they never told me they would do this especially in a middle of a pandemic. Again, i just asked information, i did not request ANY line of credit, i just simply wanted to know information. I want this inquiry to be removed.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion keeps adding same collection account after being removed followed a dispute.

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 2020-01-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I was charged {$230.00} in error from XXXX  XXXX XXXX XXXX. This stay was paid for via travel voicher # XXXX which cost me 50,000 XXXX XXXX Reward Points. In support of my dispute, I provided CItiBanik with evidence of the travel voucher being purchased on points, proof of the reservation being made on points, proof of the travel voucher being redeemed for the stay, evidence of the 50,000 points being subtracted from my XXXX Rewards Account, and a statement showing total amount due of XXXX dollars. 

Despite providing all of this I repeatedly received letters from Citi asking for the following : " A copy of the sales slip, invoice, receipt or advertisement proving the amount you should have been billed. Without proof, we may not be able to resolve this matter. I opened a dispute and provided " I provided a sales slip showing a XXXX balance, proof of payment via travel voucher and proof I should have been billed XXXX. I repeatedly sent in the requested documentation and was told repeatedly by Citi Dispute agents as well as managers, " oh yeah everything is there, they must have made a mistake. '' These calls are recorded in which Citi managers even state they see the oversite and that it was processed incorrectly. I'm more than happy to provide copies of these calls for Citi if needed. These agents would open a case and send it back to the investigator who would send me the same letter previously sent asking for documents already provided. 
Now that the deadline and all dispute rights have passed due to Citi 's error overlooking the submitted documents, Citi is stating they are unable to assist with the dispute because the merchant won't issue a credit. That's the whole reason dispute rights exist, for the times there are disputes when the merchant overbills and doesn't correct the error themselves. This case was never sent to MasterCard for mediation or handled correctly. 
Throughout the entire length of the dispute, Citi held me accountable for the purchase failing to issue conditional credits and charging interest on the charge in dispute as well as my entire statement because I did not pay the amount in dispute and it remained outstanding.

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 2018-04-25
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to my BB & T bank located at XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/18 at approx. XXXX ET to deposit a check from my home insurance company so I can begin work on my home after last months catastrophe. The check was in the amount of {$7700.00}. I went to the only teller available and was told that BB & T would not accept the check because on the back it was stamped with " Without Recourse XXXX XXXX XXXX XXXX By : Assistant Treasure signature. I explained the scenario to the teller that this check was originally sent from my insurance company to my mortgage company to make sure the funds would be used for the catastrophic repairs. I escalated the issue to the Branch Manager and he concurred with the teller that BB & T would not accept the check. I called XXXX, they were kind enough to educate me on the process of this sort of check and advised me that the language used on the rear of the check was standard legal language that is between XXXX  ( the mortgage company ) and myself the homeowner. In addition, XXXX suggested that I contact BB & T once again and have the branch contact their compliance team. I called the XXXX BB & T at approximately XXXX ET number for assistance and the representative advised that this decision is decided at the branch level. I asked if she could at least call the branch and have the branch contact the compliance team so that we could settle this issue. The BB & T rep from the XXXX number reached out to the branch and the representatives at the branch once again stated that they will not honor the check and that their compliance team will support that decision.

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 2023-02-22
Company: EQUIFAX, INC.
State: NC
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 have contacted Equifax regarding errors I found on my Equifax credit report and have disputed these matters, but these errors are not being corrected and being closed as reported correctly. 

The first error I have disputed with Equifax that is not being corrected is regarding my current mortgage with XXXX XXXX XXXX XXXX. My Equifax credit report is reflecting that this account was 60 days past due for XX/XX/XXXX and XX/XX/XXXX. On or around XX/XX/XXXX I disputed this information with Equifax and on or around XX/XX/XXXX Equifax closed this dispute without correcting this information. This account was 30 days past due and never 60 days past due. I have been in communication with XXXX XXXX XXXX XXXX regarding this reporting error and they informed me to file a dispute with Equifax to fix this issue, as they could not initiate a dispute on my behalf as they informed me that they are not reporting a 60 day past due amount on this account to any of the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on a regular ( not income based or reduced in any manner ) for a decade paying around {$400.00} per month. My principal balance is {$12000.00} higher than the original a balance. I just cant fathom how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have submitted multiple complaints with FTC and bureaus and talked to company directly to inform them that it looks like a fraud was used to obtain the accounts under my name ...

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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name:XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name:XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are some creditors on my credit report that aren't mine. Please remove them.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NY
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 received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Inaccurate information on credit report. Please update and investigate and report accurate information on credit report.

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 2021-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citizens Bank Statement Date : XX/XX/2021 - XX/XX/202 New Balance {$9500.00} Payment Due Date XX/XX/2021 I paid the above new balance, plus other charges. XXXX credited on XXXX, amount XXXX. On XX/XX/XXXX I paid {$42.00} for one remaining charge. Both payments were on or before the payment due date. On XX/XX/XXXX interest charged of {$77.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: DISCOVER BANK
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have reached out called and messaged Discover on several occassions asking to remove a 30 day late payment that was not 30 days late. They just tell me it is their obligation to report proper info to the credit breau but what they are reporting is incorrect. I am a long time Discover bank customer they are going to lose if this can not be fixed. 
XX/XX/2021 it was reported I was 30 days late I called and the company refused to correct anything I have made several attempts calling and writing letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, CITIBANK FRAUD DEPARTMENT Texted me that multiple Fraudulent Charges were put on my credit card, a card that I had not used for 6 months. I immediately called them & they said they would be fixed. Not all charges were taken off & they are trying to Charge me over XXXX & interest & fees for some of the Fraudulent Charges. I HAD NOT USED THIS CARD FOR over 6 months, I should have a XXXX balance! Many representatives said this would be fixed within 7-10 days. 

XX/XX/XXXX XXXX XXXX XXXX. XXXX said they had decided to CHARGE ME FOR THE FRAUDULENT CHARGES! Totally Frustrated here that they are trying to charge me now after so many said that this FRAUD was fixed already

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 2021-03-22
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied to refinance our home and a rental home. We decided to use New Rez because they already had the primary mortgage. They promised us a rate on the primary home and then came back after everything was signed and locked in and said they made a mistake and added points that we had to pay for to get the rate that we had contracted previously without any points. Even more frustrating, this process started mid XX/XX/XXXX. They call us occasionally and ask for requirements - which we send immediately. Today they called and asked us for some things that we gave them 22 days ago. They have asked us for unbelievable requests like having {$8800.00} in checking at the end of the previous months, show hundreds of thousands in savings/retirement, which we did, again immediately. They had us pay for an appraisal AND they have us locked in at a rate that I probably cant get anymore or I would certainly go elsewhere. Now it is XX/XX/XXXX and we cant get any answers as to where we are in this process. I cant believe it is legal to string us along for 4 months. I am in the financial industry and I have never seen a business operate like this. If its not illegal it is certainly unethical. BEWARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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: Their investigation did not fix an error on your report

Complaint:
TransUnion has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. Hard Inquiries involved : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXX/XX/2020 The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me. 

This issue has taken over 90 days to this date. XX/XX/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