BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX I accepted the promotional offer from Citicard to transfer balances to my card for an XXXX  of XXXX XXXX  that " applies to each transferred balance made under this offer until XX/XX/XXXX. '' I am a long time reliable customer with a respectable history with Citicard. 
I received a confirmation of the offer dated XX/XX/XXXX. Now that I accepted their offer, this document states " This rate doesn't modify the current rates of any existing balances you may have on your account. '' My account reflects a XXXX XXXX XXXX, not a XXXX XXXX XXXX as promised. I accepted their offer in good faith. 
I contacted Citicard and was not able to communicate with the customer representative due to his obvious use of XXXX as a second language. We tried and finally I requested to speak with a supervisor. He resisted and then said he was putting the call on hold. The call was disconnected. 
I believe I am a victim of a bait and switch tactic from Citicard or a grievous error. I am asking for my account to be adjusted to correctly reflect the XXXX of XXXX XXXX as offered. I am not a novice or of low intelligence and I am insulted to be disrespected in this manner.

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 2022-04-23
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Transfers were done with a company named XXXX on my behalf ( for investment purposes ), after a couple of days ( was never able to access the funds or buy securities ) they closed out my account and said that they are reviewing it and it could take at least 90 days to 180 to get my funds back and they told me that it could take much longer than that, and that my account was fronzen and would be terminated in the next couple of days. I was not happy with that since there were {$2000.00} ( XX/XX/22 ), {$2000.00} ( XX/XX/22 ), {$400.00} ( XX/XX/22 ), {$630.00} ( XX/XX/22 ), They told me that I should make a stop payment order of these funds and to open a claim with wells fargo if I should get my funds back so I opened a case on ( XX/XX/22 and only 16 days have passed since that transaction ). While talking to someone about the claim they came up with dates for the transactions and couldnt find the one for the XXXX in XXXX, I told them that I opened the account a week before and made the transfer somewhere around the XXXX and with that they ( without telling me ) set that date as the transaction date. I recorded the whole conversation from my end and after a week on XX/XX/22 they returned only {$3000.00} and said that the XXXX transfer was denied because it was beyond 3 weeks and that I have agreed that I revoked their authorization on the XXXX of XXXX and yet only 16 days have passed ( the person that I spoke through on the phone never made the due diligence to tell me about that and without telling me put down the date as the XXXX and stated that I revoked their authorization on the XXXX, even when I have never stated so ), and when checking with XXXX I have 0 funds in that account even since the transfer failed on their end and they have fully terminated that 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 2023-08-06
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: Information belongs to someone else

Complaint:
I am writing this letter to dispute the following information on my credit report. I am writing to delete the following information on my credit file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make these charges to such accounts. I ask that these items that are inaccurate on all three reports be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity Theft affidavit.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 will not remove closed or paid accounts by lenders that are paid 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 2021-01-26
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My fiance and I both applied for a card with Citibank and were denied due to the fact that some information could not be verified. We were both told that we would receive a letter in the mail within 10 business days stating the reason why we were declined. However, neither of us have ever received a letter stating the reason for the rejection. We called customer service numerous times and were told that a letter would be sent, but neither of ever received such letter. We recently moved to a new location and felt that it had something to do with the address previously being associated with a business. With this in mind, we sent a letter demanding that the reason for rejection be disclosed to us and also included a copy of our current drivers licenses as well as two bank statements with the current address and our names to prove that it was the correct address. We have yet to hear one word from Citibank.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!

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 2022-11-10
Company: Selene Holdings LLC
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance XXXX XXXX XXXX XXXX, PA XXXX has taken money from my checking account two times in one month, in XXXX, XXXX two payments of {$1100.00} were taken from my checking account ( total of {$2300.00} ). Right after those payments were taken I was sent a printed mortgage statement for {$2300.00} due the very next month XX/XX/2022 ( that number doesn't make sense because there is not even a late fee included in this number, which also indicates that I am on time and current ). At the same time, online my log-in account with Selene Finance shows that no payment to come out until XXXX which would allow me an extra month to catch up due to me having two recorded payments, instead of this inaccurate promise {$1100.00} was taken very recently XX/XX/2022, from Selene Finance L Selene Fin XXXX XXXX My escrow account shows ( {$3400.00} ) needs to be audited/evaluated and the difference sent back to me immediately. There is no reason to have that much in the account for escrow. 
I am currently seeking {$2300.00} from Selene Finance because they have taken extra payments, not in agreement with my loan documents and verbiage. This is along the lines of predatory lending and my bank account is always at risk of overdraft or bouncing with these types of mismanagement. Any mistakes will start a foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX opened up savings account at suntrust now truest, XXXX to be exact. Was surprised it cleared by the next morning. So at that time I decided to open a checking account online myself sat XX/XX/XXXX. So write away it approved me and I transferred XXXX $ from savings to fund it. So I get to the bank Tuesday morning early at XXXX to order a debit card, thats when things got weird after giving them my id to verify me they couldnt find anything. Then she abruptly stood up said I have to speak to the manager ok I said 5 min she came back and started asking if I had another license implied that I opened the account with different info I answered no off course not. So after two hours answering some questions and resubmitted my info I sign the signature card for my checking account and finished. Same day for no reason explained and no warning they froze my accounts all I could get was a negative report from another financial company. So after numerous conversations and lengthy talks Ive gotten contradicting info from one person to the other and not nothing was outlined in there rules and. Regulations except they can close account at anytime without notice. What Im asking is why they dont have the procedure for closing an account and why is there a department called research and fraud doing a review when fraudulent activity was not even reason for the hold, its due to negative remarks from another bank. Which if thats the case then how did I get approved from the start. Shady banking they allowed me to bank for four days then basically criminalize my actions and play like Im under investigation and dont give me reason or timeframe on when I get my money. Please I need help Im not the only one hundreds of people have exactly same problem with suntrust or truest bank.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: LA
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 am a ex XXXX XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.

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 2022-07-24
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX On XX/XX/2022, I received a bill for XXXX XXXX provided from out of network provider ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) which was used by my in-network doctor. My insurance company, XXXX XXXX XXXX paid the out-of-network XXXX service base on their pricing schedule. However, the XXXX provider stated that the payment was too low and sent me a bill requesting an additional {$350.00} bill. 
XXXX XX/XX/2022, I called the billing department of the XXXX and also contacted XXXX. XXXX stated that they will send the provider a letter explaining that what paid to them was fail and ask them to stop billing me. 
XXXX XX/XX/2022, I received the second bill for the same amount. Accordingly, I contacted XXXX again and requested a review for the payment and services. 
XXXX XX/XX/2022, I received the letter from XXXX regarding my review request and again it confirmed that I should not be billed for any extra. I submitted a copy to the provider who told me that they are not satisfied with this and they continued asking me to pay the extra {$350.00}. I requested for the to give me additional XXXX to proceed with a personal appeal with XXXX XXXX XXXX but they refused. 
XXXX XX/XX/2022, I received a confirmation from XXXX and a new EOB where XXXX approved my appeal and paid the provider an additional {$210.00}. I contacted the provided with the new payment information but they informed me that my balance was sent to a collection agency and they have nothing to do for me. They also provided me with the collection agency information. 
XXXX XX/XX/2022, On the same day, I Contacted the collection agency, tsi ,  and they told me that they put a freeze for the collection until they verified the charges. 
XXXX XX/XX/2022, I received a letter from tsi showing my account and still not showing the additional payment XXXX made on XX/XX/2022 and kept asking me to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX Mortgage Loan Originator NMLS # XXXX XXXX XXXX XXXX Mortgage ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " XXXX '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via creditkarma. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the XXXX XXXX ( XXXX ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with XXXX XXXX ( XXXX ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 want to purchase a new home but my consumer rights have been violated 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 XXXX XXXX XXXX has violated my rights as a consumer

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 2022-02-07
Company: JPMORGAN CHASE & CO.
State: GA
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:
An XXXX  was purchased using my Chase XXXX account number and my address online from XXXX XXXX for {$1000.00}. We immediately told Chase on issued new cards. I have struggled to get detailed information from Chase as to why they say the charge is valid. The identity thieves used an invalid email address, which I sent documentation to chase. Neither Chase nor XXXX XXXX will give me information as to where the XXXX was shipped, did they thief pick it up in the store, etc. They will not provide me anything to help prove my case that this was not me. If I had more specifics I could file a policy report but I still do not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My XXXX Credit Card Accounts issued by Comenity Bank was closed without any notice or explanation. I did not request this closure, my account was in perfect standing with a credit limit of 1900 no history of missed payments. My account was current, and I never missed a payment. I opened this account in XXXX of XXXX and the account was closed by Comenity without explanation on XX/XX/XXXX. This has negatively impacted my credit history greatly as this is one of the longest and best standing credit accounts I had on my credit history.

Company response to consumer: Closed with explanation