BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: TN
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:
I contatacted XXXXXXXX XXXX and showed proof that the debt was connected with fraud and they indicated they would remove it from my credit report and has yet to do so .Paid off Balance {$77.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX When speaking to the Experian agent they indicated they would remove it and has yet to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2023-12-13
Company: EQUIFAX, INC.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Duvera Billing Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an account with XXXX to pay for car repairs. I financed about {$1200.00} and repaid the entire amount, plus the 5 % interest within the first 90 days. XXXX hassled me about repaying the whole amount in a timely fashion, but eventually marked the account as paid in full and closed it on XX/XX/XXXX, 2 months after I had repaid the loan. 

Then in XX/XX/XXXX I was contacted by the company saying that I owed them an additional {$100.00} that had been miscalculated by XXXX. I did not agree with this and requested proof but never received. Instead I received a notice saying that if I did not pay the additional {$100.00} the account would be sent to collections, so against my will, I paid the money as I was trying to buy a house and keep my credit in good standing. Once I paid the {$100.00}, the account was closed again in XX/XX/XXXX. 

Unfortunately, I received yet another notice in XX/XX/XXXX from the XXXX alleging that I now owed them an additional $ XXXX. I requested an itemized breakdown of how I could still owe them, but I have yet to receive that document although XXXX has now reported the fraudulent debt to the credit bureaus who are unethically upholding XXXX 's scamming practices. My credit report even shows that I paid the debt in full in XX/XX/XXXX, yet the credit bureaus are allowing XXXX to fraudulently report this information. Moreover, the debt has been reported as three ( 3 ) different amounts : {$530.00}, {$650.00} ( {$650.00} ), and {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: CA
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:
Citibank Billing Dispute/Case # : XXXX I am the victim of a scam, perpetrated by XXXX XXXX XXXX in the amount of XXXX Originally on XX/XX/20, I wanted to order a XXXX bottle of XXXX  oil  on a website. While on the website, XXXX.XXXX, a page popped up about another product & I couldnt figure out how to navigate away from it, so somehow XXXX billed me XXXX. I received both products, but I called Citi to dispute the XXXX charge and they were reversed. I offered to send back both items. 
Upon checking my online activity, I saw a charge on XX/XX/20 for XXXX from XXXX. I knew I never ordered from them, nor had I received anything. I called their XXXX # on the statement & the Representative was very nasty and told me I would have to pay for it. 
I am XXXX & would not order a muscle building product! I dont understand how this happened. I have no emails from any of the three websites confirming order or shipment. Their own return policy states We believe in complete customer satisfaction. You have 30 days to request a refund after you have placed your order. If I had received anything, I would have requested a return & returned it. But I was charged XXXX with no order confirmation, AND RECEIVED NOTHING. Citibank insists I provide documentation showing the Merchant agreed to credit my account how can I show a paper trail when I didnt receive anything, including the XXXX bottle? The XXXX has not had to provide proof it was shipped to me, yet they are given the benefit of the doubt. This is a total scam that started when I bought a XXXX bottle of XXXX and snowballed into this. 
Thank you.

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 2023-11-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit 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:
In XX/XX/23 I had an unauthorized purchases of {$900.00}, {$870.00} and {$870.00}. 
This transactions was made online and purchased in a different state, as it it is now I spend a lot time for an explanation because after that my credit card balance is all the way to the top ever since those unauthorized transactions happened. 
And Im still getting unauthorized purchases. 
Last unauthorized purchases happen XX/XX/23 {$500.00} and XXXX more same day {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : USDOEXXXX XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} TransUnion : USDOEXXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX  XXXX  ( XXXX XXXX XXXX MD ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$210.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-06-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This complaint has been made directly to Citibank many times. 
Their bill pay function is often down or not working or states I have no payees. They have recently changed their bill pay from a straight alphabetically list of payees to this new dash box and the new system ( while the old list can be found -- but often difficult to get ). The new boxes takes up a lot of space ( pages to scroll down through ) and time and is very inefficient for those paying many bills. They added multiple payee list, but that is very confusing as well. Simple is better and faster. But that aside. One can still pay bills if the functions work. The problem is something is not working most every time I go to pay bills. I am a busy person. I then see listed the statement : not working ; try later. Often later is not a few minutes, but hours. Often I will not be back by a computer for a day or two and need to get bills paid. I like to do from home as I keep records of bills paid and doing them on the run is not the best way ( with a cell phone ). So, I have tried in the middle of the night. Then down for middle of the night work. Tried today at XXXX XXXX XXXX, not working. 
Today at XXXX XXXX I managed to pay three bills ( # reference number # XXXX, XXXX and XXXX ) and then the function stated I didn't have any payees. I called to complain and regular Citibank operators sent me to supervisor who hung up on me or got disconnected. She had just asked my phone number so could have called me back ; she did not. I called back and was told the problem was still existing. All toll this attempt to complain consumed about 45 minutes of my time. If this happened, once, it would be ok. But this has happened at least 12 or more times recently. Based on that, I believe they are not giving the advertised services as they should. They also hang up on you when they don't want to hear the complaints. Since they ask for your phone number, they should call you back if a disconnect occurs. They do not.

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 2021-06-17
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am the executor of an estate and the POD/Beneficiary of an IRA CD at Valley Bank and 11 months ago dropped off a death certificate and Surrogate certificate. Several months later I again showed the same paperwork at bank. Five weeks ago a responded to a branch to transfer the funds to another institution in my name and was told that they were not aware the owner of the account had passed. For a third time, I provided the paperwork showing he had passed and was told in four weeks I would receive paperwork. Five weeks have passed and I contacted branch who called IRA department and said it will be 2-3 weeks more before I receive any paperwork. The branch representative was not sure how things would proceed and informed me that the IRA department who is their " back office '' handles these matters. I requested to speak directly with them and was told they do not speak to customers but I can try the main Valley Bank number. I stayed on hold for close to two hours with no response. Again, I reached out to Valley Bank and put my representative from XXXX XXXX where I would like to move the funds on the phone with Valley staff. The situation still could not be resolved as the Valley Bank teller/banker could not provide a professional courtesy and allow the XXXX XXXX representative speak to someone who had knowledge of what to do. Valley Bank rep. told XXXX XXXX to call the same number I had and that she would be waiting a couple of hours if she did get through to someone. Situation still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, 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 HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Yesterday XX/XX/20 at around XXXX XXXX I went to the ATM at the BMO Harris Bank at XXXX XXXX XXXX XXXX, XXXX, AZ to make a deposit into my checking account of {$2000.00} cash. The ATM machine jammed as it was counting my cash and froze. I could not get my card out of the machine or my money. The screen went black and it started reloading software. It eventually got reloaded after around 15 minutes. I got my card out and put it in again to check my account balance. My deposit was not credited to my account at all. {$2000.00} cash is missing. I've spent many hours now yesterday and today trying to get my bank to return my {$2000.00} their ATM machine stole from me. I filed a complaint with them yesterday and they told me at XXXX XXXX yesterday that my funds would be deposited to my account within 2 hours. They told me this happens all the time. I'm XXXX and I've never in my life had money stolen by a bank or ATM machine. By the end of the day my funds were not returned. Finally the bank manager XXXX called me after the bank had closed and told me they were " starting an investigation that would take about a week ''. I can not wait a week to get my funds back. That money is a hard money rehab loan that I got from a hard money lender for rehabbing my house. I have contractors lined up to start work tomorrow and all of next week who require cash payment for their services on a daily basis. If I have to cancel their schedules I don't know when they will be available again and this hard money loan is short term and very high interest and must be paid in full by XXXX. I can not wait for my stolen money to be returned. I need it today. All they have to do is go get it out of their ATM machine in their drive through and give it back to me. This delay in returning my {$2000.00} deposit stuck in their ATM is unacceptable. I also called their corporate office this morning where I'm not allowed to talk to anyone but the receptionist. I called their fraud and ATM department who said it's being handled by their Regulation E Dept who they refused to let me talk to.

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 2019-03-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I was scammed out of {$4000.00} by someone on the phone claiming to be an airline because I have had issues with my ticket for an upcoming trip in XXXX. I have tried to work with WELLS Fargo but they say that I authorized the transactions. Tis is clearly a scam and I can prove it. and because of the amounts charged to my account Wells fargo should have flagged it and stopped my card from working.

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 2022-11-29
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:
I submitted a written dispute to TransUnion dated XX/XX/2022 about a collection account ( XXXX, opened XXXX, XXXX, XXXX  ) that is on my consumer report. In the dispute I demanded the verifiable proof that they had on file for the account which is required according to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX TransUnion responded with a letter stating that they can't process my dispute because it appeared it did not come from me, even though I sent in documents to verify my identity ( driver license and utility bill for proof of address ), and I also had a return address which was my home address, the exact same address that is currently reporting on my consumer profile. Transunion failed to not only file my dispute but failed to validate the account.

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made my XXXX check deposit from the US Treasury in the amount of XXXX. The deposit slip and teller said funds would be available in the morning. Once again they have extended the hold until XX/XX/XXXX. I realize they want everyone to go to direct deposit but I don't want to do that with this bank. I don't care for their business practices. This check is drawn on The US Treasury and also that amount is not enough for them to hold that long. They did the same thing last month. I dealt with one branch that told me they were going to put a hold on my check while the next teller over cashed a check for a fee for someone who wasn't even a customer.

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