BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 at around XXXX, I went to Citibank online banking to check the balance of my personal checking account which I always monitor on a daily basis. Later in the afternoon at around XXXX, I went online again and saw that my personal checking account says, " BLOCKED ''. I immediately called Customer Service but did not give me any details. I drove to the nearest Citibank Branch to find out what's going on but no details appear on my account. I called Customer Service again and was transferred to the Fraud Department which in turn did not disclose the details why they blocked my account. I was merely told that the account was referred for closure and that a check will be sent to the address on file after 60 days. This is very disappointing that I can not withdraw my funds especially when it happens to be during the holidays. I have been calling numerous times to the Fraud Division but after verification of my identity, they do not disclose the details except telling me a check will be mailed after 60 days. I confirm and attest that this account do not have any fraudulent activity. This was a newly opened personal account on XX/XX/2021. I opened this new personal checking account after my joint checking account with my sister was compromised with unauthorized ACH transactions. They blocked it and we opened another joint account in XX/XX/2021 because they were going to close the old account which I've had for more than 20 years. A month later, the newly opened joint account was compromised with forged checks so it was blocked again for fraud investigation. About this time so I can proceed with issuing checks and paying my bills, and direct deposits, I opened a new personal checking account. In the course of signing an attestation re my other joint account, my joint account went back to active and Citibank released the block. However a month later, Citibank blocked my newly personal checking account for no reason. It's been 9 days, with daily follow-up and numerous calls. I am not given any reason. There has been no fraud reported in my personal account and I don't understand why. I am worried because I've been reading similar complaints without getting their funds back. It has been a very frustrating holiday. Please help 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 2023-07-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am not liable for the debt with XXXX XXXX XXXX XXXX. I dont have a contract with Ars Account Resolution, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
For 8+ years I have banked with PNC as our business banker ( with checking, credit cards, and savings accounts ) as well a another business and personal savings account. On XX/XX/XXXX without notice PNC made the decision to close all accounts associated with me. My business partner who happened to be discussing utilizing some of their products found out by chance that our account had been flagged and when asked for an explanation was transferred to someone who said it was a decision the bank had made and would offer no further explanation. At this time our clients were trying to submit payments into our accounts and had their payments returned. We had no opportunity to use our business account or accept payments any further as the account was closed. 

At the time I checked my other business and personal savings accounts and saw that everything looked normal... It was not until XX/XX/XXXX that I received a text alert that my account was closed and my Balance zero. I immediately went into my local branch where they manager explained all accounts associated to me had been closed, I could not access my funds and there was no explanation why. 

I was given case numbers for all accounts and called on each only to be told the standard script " the bank had made the decision to no longer do business with me and did not need to explain why '' my remaining balance in my accounts would not be available until they processed all payments and then would send me a check in the mail. 

I then went back to branch manager where we have had a 8 year relationship to get further answers and explained the entire process felt discriminatory and I would be considering legal action. He promised to do his best to see if i could get my funds released and would escalate my complaint for further action on Friday XXXX I spoke with XXXX XXXX at XXXX a case manager who again offered no additional explanation for my account closers and said " you cant get your money because you can't '' I have been prevented from operating our businesses, had my money withheld, and given no explanation as to why this action has been taken against me. In 8 years of this banking relationship we have never had any questionable transactions or even requests for refunds. I am a business coach - I am extremely concerned about the reason for this decision and the impact it could have on my future banking as well my reputation with my clients. As an XXXX XXXX this seems like the highest form of discrimination and unjust client exclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
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:
I have an account on my credit reports that has incorrect information. I've disputed it with the company and with both credit reports it is reporting on. 
The account has been on my credit report for years. It's even past the statute of limitations. I didn't care since I already took care of it years ago. The company sold it to a 3rd party collection company and correctly changed the balance and past due amounts to {$0.00} and noted that they had sold it to a 3rd party collection company. 

Now all of a sudden, at the beginning of this year, the company just out of the blue changed the information on my credit reports. They now claim that it's a charged off account and that I owe them thousands of dollars. In fact, on XXXX they claim it is open and on Equifax they claim it is sold. Just another couple of errors they refuse to correct. 

This complaint is against XXXX and Equifax as well. I have disputed directly with XXXX and they have not bothered to ever respond to my direct disputes nor to credit reporting disputes and neither XXXX nor Equifax abide by the FCRA and correct the errors. 

The FCRA says they must correct the errors or delete the information. They have done neither. They are in clear violation of federal law and they are damaging me immensely. I qualified to purchase a house and then these knuckleheads changed the information on my reports and killed my loan qualification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Bureau : Experian Account : XXXX XXXX Type : Medical debt collection Original creditor : Texas XXXX XXXX Amount : {$380.00} Desired resolution : REMOVE from my Experian credit file for multiple violations. 

I am writing to file a complaint against Experian credit bureau for violating my rights under the FCRA regarding an account with XXXX Financial for an alleged medical debt collection. This debt is not accurate, complete & verifiable ; therefore, must be removed. 
*TransUnion has already removed this debt from my credit file after their investigation, but Experian will not. 

Violation # 1 : XXXX is continuing further collection activity, including credit bureau reporting, without validating this debt. I have written XXXX twice, and called them twice to dispute and seek validation of this debt. They responded in XX/XX/2020 by sending another invoice, but NO supporting evidence of the debt. I also called the original creditor, Texas XXXX XXXX in XX/XX/2020, and they could not find record of this debt either, nor could the Supervisor. 
1st dispute to XXXX  : XXXX 2nd dispute to XXXX : XXXX Phone call to XXXX  : XX/XX/2020 Phone call to XXXX  : XX/XX/2020 Violation # 2 ) Failure of Experian credit bureau to perform a proper investigation. 
I have disputed this 3 times with Experian, but they continue to verify this debt as accurate. ( Experian told me by phone on XXXX that my 3rd dispute request was dismissed as frivolous because it had already been verified as accurate by XXXX, and Experian was not required to obtain proof of the debt. ) My report now says This item remains unchanged from our processing of your dispute in XX/XX/2020. 
1st dispute to Experian : XXXX 2nd dispute to Experian : XXXX XXXX dispute to Experian : XXXX Violation # 3 ) There can not be a Past due amount reported on a Collection, yet my report shows Past due {$380.00}. 

*See attached documents confirming my previous attempts to dispute this debt and request removal.

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 2021-10-28
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING IN REGARDS TO CREDIT CONTROL LLC WHO IS ATTEMPTING TO COLLECT A UNKNOWN DEBT OF {$760.00} AND CONTINUALLY HARRASS ME VIA MAIL AND CALLS, CREDIT CONTROL LLC HAS BROKEN MULTIPLE FDCPA LAWS WHICH I WILL ATTACH.CREDIT CONTROL LLC HAS CONTACTED ME VIA MAIL ON XXXX I AM SEEKING {$13000.00} WORTH OF VIOLATIONS PURSUTANT 15 USC 1692k I HAVE 13 FDCPA VIOLATIONS.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XX/XX/21 called XXXX XXXX XXXX and/or XXXX XXXX ( XXXX XXXX XXXX ) when I finally reached a rep ( XXXX ) described the situation ( fraud indicator about address ). I wanted to know which address was triggering the fraud indicator. She was unable to tell me that info, suggesting I try a dispute w/XXXX. I've already done that, and the issue has been going on for a month w/numerous phone calls to creditors, credit bureaus, and smart move. XXXX sent me to her supervisor XXXX. XXXX was unable to help me either and kept referring me back to XXXX. How is it possible for any and all of these organizations to provide information about me, to potential landlords/creditors/etc and have no documentation to back it up? XXXX said the info was verified. Since I still don't know which address specifically they are referring to, how was it verified? What is that verification? No one knows or is willing to share that info w/me the consumer that they are reporting it about. There is no accountability to anyone for anything they are reporting that I can see.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX 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 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 2021-12-29
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
There is a Citibank N.A. reporting on ( 1 ) of the ( 3 ) Reporting Credit Bureau. XXXX is reporting a Citibank Account Number XXXX that I am an Authorized User on this account. I have made several attempts to get this repaired and as of today XX/XX/2021 it is still being reported. First attempt XX/XX/2021 called CitiBank they sent me a letter dated XX/XX/2021 letting me know that they were unable to update the Credit Report. To remove authorized users for Credit Reporting the Authorized user must be removed from the account. Second attempt XX/XX/2021 no help received the 2nd letter from Citibank telling me the same thing the XXXX letter said. Then I wrote a letter to Citibank on XX/XX/2021 letting them know that I did not never give anyone my Permission to put me on a Card as an Authorized Users. I have not heard back from them but as of today XX/XX/2021 I check my XXXX Report and it is still out there. Please help this is not my Debit. This is Fraud using my name and my information without my permission.

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 2021-12-29
Company: WELLS FARGO & COMPANY
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:
My company performed several thousands of dollars of work on a vehicle owned by a Wells Fargo account holder, XXXX XXXX XXXX. Our investigation revealed the fact that XXXX XXXX is a state and federal convicted felon, XXXX XXXXXXXX, fraudster, identity thief and XXXX XXXX person. XXXX XXXX fraudulently disputed the sum of {$2300.00} on his Wells Fargo debit card. Wells Fargo found in our favor, however XXXX XXXX paid a Wells Fargo employee at the branch to reopen the claim. Wells Fargo unlawfully reopened the claim and ultimately unlawfully charged the funds back to my company XXXX XXXX XXXX. The actions of Wells Fargo violate XXXX Policy in that the claim was found in our favor and fraudulently reopened. We are attaching several pieces of evidence and invoices of work done.

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 2022-11-07
Company: EQUIFAX, INC.
State: WA
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I was suddenly unable to access my funds due to my account being reset. I had previously asked Binance to do this a few months ( XXXX wnd ) ago due to basic verification ( which I had at the time ) not supporting withdrawls. This normally wouldn't have been a problem, but unfortunatly they decided to resolve the issue while I was trading. This means that my funds were locked now in a different currency for a different amount of time intended. ( high price volitility made this much worse ). I shrugged this off thinking I just needed to resubmit my verification and that it would be done within a gew days ( Like it had prior ). A few days later ( XX/XX/XXXX ) I submitted a ticket due to concerns I had about the second verification. Mainly the fact that the first few times I tried submitting it, the request failed to go through. This made me think that perhaps something went wrong again, but it appeared as if it went through anyways. Fast forward two months later, I still hav n't gotten a response ( aside from one that was automatically generated ) nor has my verification / ticket been reviewed. Any new tickets get merged with the old one, which has the priority as unlisted, so any attempt to resolve this basically gets pushed aside. By far the worst customer experience I have encountered. I just need access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've requested a payoff statement from Roundpoint Mortgage since they took over my loan effective XX/XX/2021 via phone, email, and fax and they have denied my request. They have had my loan for 7 months now and are advising they will not provide me with a payoff unless I sign a revised loan modification that they created. I have been trying to refinance on my existing loan and Roundpoint is stopping me from obtaining the best possible rates as they are still advised they will not provide pay off.

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 2021-08-10
Company: Cornerstone Holdings, Inc.
State: AK
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 have filed a dispute in regards to the incorrect items on my credit report and its been well over 30days and i have'nt received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: EQUIFAX, INC.
State: VA
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 had requested that all dispute remarks be removed from all accounts listed on my credit report within 15 days. The dispute remarks are keeping me from closing on my home loan. I was told by a mortgage company to dispute all accounts that were in collects and now I am being told to have all the remarks removed.

Company response to consumer: Closed with explanation