BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my phone was stolen. While in possession of the stolen device, the thieves were able to change my XXXX password and FaceID. Presumably they used XXXX of these to initiate a XXXX transaction from the Citibank Mobile banking app in the amount of {$2500.00}. Upon reporting fraudulent transactions to all other financial institutions, including Citibank 's normal checking services, other teams worked with me to collect information and resolve the disputes under the The Fair Credit Billing Act ( FCBA ). Even after following up, when Citibank Mobile fraud failed to ask for sufficient information regarding the status of the case, I sent information regarding the details of the police report I filed of the stolen device to XXXX XXXX XXXX, as instructed. I received no response, and once again had to call in to receive a status update regarding the case. I am extremely frustrated that Citibank is unresponsive, and is in breach of The Fair Credit Billing Act ( FCBA ). In addition, Citibank 's bank fraud team seems to not have their records in order, as they have accepted XXXX fraud claims and not the XXXX  in the same amount as XXXX of the claims, thinking that it is a duplicate transaction, in the amount of {$240.00}

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 monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
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:
A few weeks ago I went to the bank branch after recently learning that I owed {$180.00}. I went to the bank a total of XXXX times on which the most recent visit I spoke with the branch manager and filed a complaint with the company. The branch manager also escalated this matter and I have yet to hear the results of the dispute and I paid the total of what was said to be owed. I was told by a customer representative that I would hear something by XX/XX/XXXX. My complaint with the company is that the information was inaccurate, I was never notified in writing about any amount being owed, I paid the account anyway and still am being punished for a very small amount of money ( {$180.00} ). The way that this account is reporting is keeping me from closing on a {$250000.00} home loan. I know that by law the information should be accurate and I know that this is a violation of the FCRA and FDCPA, so they must abide by the law. Everything that I have provided to them is true and accurate to my knowledge. I am in urgent need to resolve this matter as this is preventing me from moving forward with obtaining a home loan. I would like this item to be handled accordingly and removed from my credit report for the reasons mentioned above.

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: EQUIFAX, 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:
i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi, I first noticed my XXXX platform was blank and not populated with the dozens of businesses I have on auto debit, mortgages, utilities, credit cards, insurances etc on XX/XX/28, shortly after the official merger between Suntrust and BTT ( now Truist ). I had been a Suntrust member for decades. I reached out to my XXXX on several calls, emails and in person to no avail. I reached out to tech support on XXXX, XXXX days after informing my branch XXXX of the blank platform and was told they were aware of the problem and were doing their best to resolve, but with no timeline to repair answered. 
I can not see which payments are being sent, I can not stop or change the payment amounts ( utilities for example change every month ) and my XXXX mortgages have new escrow calcs due XXXX which I can not address or pay. I know this is a widespread and known problem within Truist, but feel insufficient resources have been XXXX to resolve this critical flaw. I don't even know which accounts I have on auto debit at this point, adding to the frustration. 
The merged entities had over XXXX months to ensure a smooth transition and have failed miserably. I do not have access to my funds as a result, something I feel I deserve as a banking customer. 

See press release here : The transition to the full Truist experience will occur as systems are integrated over the next XXXX years. There will be no merger-related changes to account numbers or routing numbers for checking, savings and money market accounts for the vast majority of clients.

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 2023-03-17
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX I opened a checking account with Citibank using a Member XXXX XXXX Checking Offer ( see attached confirmation email with terms and conditions ). 

XXXX & XX/XX/XXXX I fulfilled the requirements of the offer for XXXX XXXX XXXX See attached statements. 

XX/XX/XXXX I called Citi to confirm that I've met the terms of the offer and haven't received the miles. I was told that the miles would be deposited in my account by XX/XX/XXXX. See attached call log from XXXX. 

XX/XX/XXXX I called Citi again and was told an investigation would be opened and given reference number XXXX. 

XX/XX/XXXX I received a letter stating that Promotion Code XXXX ( a code that I have never seen before ) was not offered in conjunction with my account, and a request to " provide a copy of the Promotion Disclosure ''. See attached letter. 

XX/XX/XXXX I tried repeatedly via Citi Live Chat, XXXX, and several phone numbers to provide such Promotion Disclosure. No one was able to help and I was constantly transferred to different departments.

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 2021-06-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SYNCB/XXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$2400.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE

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 2023-11-12
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

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 2022-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am victim of identity theft. I have received a letter from XXXX that stated those accounts were not mine and those accounts was supposed to be deleted from Equifax credit report and equifax has failed to deleted those fraudulent accounts. Also those names and addresses are not mine and those inquires are fraudulent need to be removed from my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a Chime checking account. Between the dates of XX/XX/2023 and XX/XX/2023, a total of XXXX fraudulent charges were made on my account. A total of {$530.00} was stolen from my account. I have reached out to Chime multiple times. They opened an investigation and later that same day, already determined that no error was made and no funds will be credited or reimbursed. I called again the next day to explain that its pretty obvious these are fraudulent charges and even the second Chime representative I spoke to that day even said she thought it was obvious by looking at the charges, times, etc that they were fraudulent. She reopened the investigation for me. Later that same day, I received another email from Chime stating that they concluded their investigation and found no error was made and no funds will be credited or reimbursed. Im currently waiting for the documents Chime used to deny my disputes to XXXX in the mail. Once I have that I will be filing a police report along with reaching you CFPB now. It blows my mind that Chime took just mere hours to do a while investigation just to deny me when its very obvious these are fraudulent charges I did not authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a victim of identity theft and I believe everyone one is attempting to take advantage of me based off these fraudulent errors on my consumer 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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this complaint to Transunion. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The XXXX reporting agencies are also in violations of ... XXXX XXXX XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. I also have a FTC report that was submitted to Transunion and clearly disregarded. 
Please remove XXXX ( XXXX ) - ( XXXX ) XXXX was removed and illegally place back on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form 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 Also, Transunion took more than 30 days to complete my investigation 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 2024-01-06
Company: CITIBANK, N.A.
State: IL
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:
Confirmations number was provided for completing form for CBNA and was responded with a hard pull to XXXX XXXX for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.

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 2022-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
From XX/XX/XXXX until XX/XX/XXXX there has been some sort of system glitch in Equifax to wear my entire 14 years of credit history has been wiped I cant see it and creditors are unable to offer me credit because they are seeing it as well. DISAPPEARED! I contacted Equifax on three separate occasions on the third occasion I finally got to speak to a person who told me that in their computer nothing is gone but on my end my credit score dropped from XXXX to XXXX and shows me having absolutely no credit cards no mortgage no nothing. The gentleman I spoke with did not care about the situation would not let me speak to a technical advisor to see if there was an issue with the online application and refused to help me at all. Another friend of mine checked his and his credit is gone too!! Equifax has had another breach and they are not reporting it nor letting anyone in the public know about it. When you called they either hang up on you or refused to help!!! This negligence is keeping me from being able to fund my small business. And its destroying my credit rating even though the other two bureaus are up-to-date and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX reported incorrect information of a XXXX XXXX past due payment that was incorrect. There was payments made and was current. As well as the XXXX XXXX XXXX that is in effect until XX/XX/XXXX of this 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 2023-09-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported in XXXX of identity theft someone has been using my name to put apartments and other items in my name I reported in XXXX to the police department of fraud Ive never stayed at this apartment complex my only apartment is the 1 I have now I didnt inderstand what the debt collectors was saying I thought I was going to jail if I didnt pay off the debt not knowing whose debt it is its not right to charge someone something thats not theirs I would like for this debt to be deleted off my credit immediately {$3600.00} debt date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a checking account at the Citibank since XXXX. 
My status is Citigold.

Last week I tried to logg in into my account trought the mobile and I couldnt. Inmediately I called to the Citigold Customer Service line and one of the representatives informed me that they will replace my debit card. 
My debit card never arrived to my home. 
Saturday XX/XX/XXXX I called again and I had been noticed that my checking account was closed and when I asked the reasons, they said that cant provide any information by the phone and I needed to talk in person at the branch. 
Today Tuesday, XX/XX/XXXX I showed up at the XXXX XXXX in Florida and one of representative told me that she didnt know why my account was closed. She sent an email to Citibank and then called me to say that the account was closed and she doesnt know exactly the reason. 

Problems : 1. I never received a letter or phone call to let me know they had intention to close my account. No one asked me information or send me a questionary for anything in the last 4 years. 
2. I already gave some personal checks to pay association fees, assetments and other concepts to different persons and companies and now all this payments will not be executed.

3. My reputation, my honor and my credit records will be affected without any reason.

4. I spent three full days trying to solve this problem and I lost time and money. I need to spend more time to rebuild my financial structures ( account, automatic debits, payments, history, etc ) 5. I feel discriminate due the City Bank representative dont explain me or give the reasons to close my account. I am very responsable person, I opened my account ten years ago, because I thought it was a serious entity. I expect that the Bank reconsider this resolution that causes me economic and moral damage.

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 2022-08-10
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Instead of working with me to help when I have been struggling they not only contacted friends of mine but also filed a lawsuit against me. Now they are trying to scare me into settling.

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 2023-03-01
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I emailed the XXXX team in XXXX XXXX to ask about this XXXX XXXX XXXX Credit Card account, received the letter notifying me that a have a new credit card that I didnt approve. Awaiting their response before I start down the path of XXXX reporting for fraud and damages. Im not contacting or registering with Comenity as Im unsure if touching their website then confirms/acknowledges the unauthorized account. 

I have a copy of the email to XXXX that I can share.

Company response to consumer: Closed with non-monetary relief