BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: CITIBANK, N.A.
State: IL
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 contacted CITICARDS CBNA and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2015 with a Balance of {$6000.00}. Other than been fraudulent, the bank is still reporting a balance of {$6000.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.

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 2021-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent XXXX  that the last date active arent accurate with my credit report and That I need the Original contract Pay off disclosure Interest rate disclosure Balance history Payment history From this accounts XXXX XXXX XXXX  XXXX XXXX and 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 explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, Bankruptcy Discharged XXXX  XXXX Ref. # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX 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.

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 2023-08-29
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage so it wouldnt be affected. My bankruptcy was discharged XX/XX/XXXX. Since I filed bankruptcy my mortgage is Not being reported to the three credit bureaus even though I reaffirmed the mortgage. I was told to them reaffirming the mortgage just meant it gave me online access to my account. Im not stupid and know thats is not correct.

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 2023-07-21
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:
On XX/XX/XXXX I used my CitiCard to purchase a series of flights. Within a day, I found out I had been defrauded by an entity claiming to be XXXX XXXX ( they had cloned the website, but had a different phone number ). I notified CitiCard immediately to cancel the transactions, which they did. Then I found out that 2 of the flights that the defrauders had 'scheduled ' actually were real, i.e. they scheduled 2 real flights- the rest were bogus. I have since found out this is a known scam which utilizes resale organizations ( see XXXX ). I contacted CitiCard to cancel the fraud alert for those 2. Over the next several months, CitiCard charged me for all of the flights, sometimes doubly. Frequent calls to them could not resolved the issues - their phonelines had very poor quality ( XXXX? ) and none of my written correspondences were answered. In XXXX, XXXX I canceled the card and continued to try to resolve the dispute. I paid the balance while the dispute was ongoing so I wouldn't accrue late fees or interest charges. Their only written response is to say that the charges are valid because I authorized them. In XX/XX/XXXX I started receiving robocalls from them that I had an overdue balance. It was from an erroneous charge by XXXX XXXX to renew my membership. That problem took another 2 months to resolve and I again asked them to close the account. Now they are asking for another {$520.00} related to the original fraud issue saying the charge is valid. I was never able to use either of the valid tickets, since CitiBank canceled the transactions, so I got stuck in a city far from home and had to pay a significant amount just to get home. 

CitiBank never investigated my claim- the fraudulent phone number and website info would have confirmed my claim. They never provided me with the true identity of the fraudsters which would have allowed me to open an investigation with the FTC, DOT, or FBI.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 explanation
Consumer complaint received 2023-05-17
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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

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 2022-10-12
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello! 
I requested a {$10000.00} refund from MyFedLoan on around XX/XX/2022 for payments made during the pandemic. This continues to be pending and there has been no update despite almost two months of waiting. I've called MyFedLoan multiple times and they give me different timelines each time or say they don't have a timeline. 

It should be noted, I currently have a {$10000.00} balance that was transferred from MyFedLoan to XXXX. Both XXXX and MyFedLoan have said to request the {$10000.00} in payments made to MyFedLoan during the pandemic from MyFedLoan. 

Any help would be much appreciated. 

Unfortunately, the payment history of these loans is not on MyFedLoan or XXXX websites for some reason..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX {$0.00} 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 explanation
Consumer complaint received 2023-09-15
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe that I am a victim of identity theft because my car was broken into all my personal belongings such as my social security card and my i.d was stolen.

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 2021-06-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
* XX/XX/21 - WELLS FARGO XXXX XXXX DEBIT {$11000.00} * XX/XX/21 - I resolved the issue with the attorney and he contacted Wells Fargo XXXX XXXX XXXX XXXX department, they provided him with the fax number and the attorney immediately faxed them a signed legal release to remove the legal order debit. 
* XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - The attorney re-faxed a signed legal release to remove the legal order debit the attorney faxed it directly to Wells Fargo XXXX XXXX XXXX XXXX XXXX * XX/XX/21 - WELLS FARGO confirmed they received the attorney 's legal release * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO confirmed they received the attorney 's legal release * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT WELLS FARGO EXPLAINED THAT IT '' XXXX XXXX & XXXX XXXX POLICY HAS NO TIME FRAME IN WHICH IT CAN OR WILL REALEASE CUSTOMERS FUNDS - THIS IS AN UNREASONABLE AMOUNT OF TIME. 

WELLS FARGO CONFIRMED THEY RECEIVED THE LEGAL DOCUMENT TO RELEASE THE FUNDS BACK TO THE CUSTOMER BUT THEY DO NOT HAVE ANY TIME FRAME TO RELEASE THE HOLD ON THE CUSTOMERS ACCOUNT. 
THIS IS AN UNREASONABLE AMOUNT OF TIME. 

* THIS POLICY HARMS CONSUMERS AND CREATES UNDUE HARDSHIP TO BANK CUSTOMERS. HOLDING MONEY FOR AN UNLIMITED AMOUNT WITH NO TIME FRAME TO RELEASE MONEY IS AN UNREASONABLE AMOUNT OF TIME. 

*ITS BEEN OVER A WEEK AND THERE IS NO TIME LIMIT ON WHEN I WILL GET MY MONEY BACK FROM WELLS FARGO. THIS IS ACCORDING TO WELLS FARGO XXXX XXXX WELLS FARGO BANK POLICY. 

REGULATION CC VIOLATION : ( Regulation CC ) sets rules on how quickly banks need to release your funds. 
If a bank places a longer hold on funds, it must give you a notice. The notice must give the reason for the hold and tell you when your funds will be available for withdrawal.

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 2021-06-30
Company: CAINE & WEINER COMPANY, INC.
State: SC
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 have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In early XX/XX/2022, I was alerted to potential fraud on my Citibank credit card. I placed a call to customer service and advised that I had received both a text and email. The representative I spoke with advised there had been a {$3000.00} transaction via a Citibank issued balance transfer check. This was fraudulent as I made no such transaction. I believe my mail was stolen and someone used a check that had been sent to me. The representative advised that I would receive a letter in the mail with further instructions. He also closed my card and reissued a card with a new number. I received the new card, however, I did not activate it. I never received a letter. 
In late XX/XX/2022, I was alerted to potential fraud via email. I again called Citibank and also checked my online account. Another check had been written on my account in the amount of {$1000.00}. I attempted to resolve and get an understanding of my fraud dispute, however I was told the representative could not access my account because it was locked and they would send me a letter with a code to unlock it. I received the letter over a week later in early XXXX. I called the fraud number within the letter and provided the code. I also went to my online account and saw that I had been charged an additional XXXX in transfer check fees. Total now is XXXX fraudulent charges. I was transferred to XXXX different representatives, and neither could tell me the status of my fraud dispute. I asked that I receive an update as soon as possible as my credit score was being impacted by the high spend ratio on my account. I was told I would receive a letter and am waiting, however I am not hopeful anyone at Citibank is taking any action. I also asked that my account was noted OPT OUT of any transfer checks by mail or otherwise. I was transferred to a third representative that assured me I was now opted out. 
I logged into my online account today and noted I am being offered an increase to my spend capability. I also noted that my account shows no disputes registered! " You havent reported any fraud on your account. '' This back and forth has been going on for over 45 days and XXXX telephone calls to Citibank with no resolution. I need my fraud case investigated and fraudulent charges removed from my account. 

Details : XX/XX/2022 BALANCE TRANSFER FEE {$90.00} XX/XX/2022 BALANCE TRANSFER FEE {$30.00} XX/XX/2022 INTEREST CHARGED TO STANDARD XXXX {$17.00} XX/XX/2022 INTEREST CHARGED TO XXXX {$0.00} XXXX XXXX, 2022 ONLINE PAYMENT, THANK YOU {$75.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$1000.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$3000.00}

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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
This was my follow up complaint regarding the previous complaint I've submitted. As I just want to make sure the Credit Bureaus namely Experian, XXXX and XXXX, to please guarantee the removal of these listed specified inquiries from my credit reports. And as an assurance, I am asking the presence of the Consumer Financial Protection Bureau ( CFPB ) to oversee the removal done by the 3 mentioned credit bureaus. Here 's the list of the inquiries I want to remove : EXPERIAN : 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 explanation
Consumer complaint received 2022-05-29
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My problem is with Comenity, the company that offers the XXXX XXXX credit card XXXX XXXX XXXX XXXX  is the URL for XXXX XXXX credit card XXXX XXXX When a purchase is made, it is " interest free '', as long as the " plan '' for that purchase is paid off by a certain date. I have 2 such plans : One for the engagement ring I purchased for my fianc ( who, sadly, passed away at the end of XXXX ) and the other plan was for another ring I purchased for her. 

On XX/XX/2022, I made a {$120.00} payment on my account. There was nothing owed on the account at the time, so I know the payment would not have been applied to any outstanding fees or charges. I requested that the payment be applied to my plan XXXX ( the plan for the second ring I mentioned ), as my intent was to pay this plan off before XX/XX/2022, at which time interest will be charged for the plan. 

As of XX/XX/2022, the payment has not been applied to the requested plan, nor has the payment been applied to my account at all as far as I can tell from my account page. The prior balance on plan XXXX was {$200.00}, and the balance of that plan remains the same at this time, according to my account page. The total amount owed on my account ( {$1000.00} ) has not changed since making the payment either. It seems to me that their intent is to run out the clock on this plan ( probably both plans, but I wont know that until I start paying on the engagement ring ) so they can start charging interest on the unpaid balance. 

I have sent 2 messages to them through their Secure Message Center ( which I have used successfully several times in the past for other matters ), but neither message was sent due to technical difficulties. So, basically, they declined to accept my inquiry into this matter. The last message I sent stated that I would be filing a complaint with the FTC against them if I did not receive a satisfactory explanation from them before midnight last night. Again, they declined to accept the message, so I am left with no option other than to file a complaint. 

I would like a full accounting/audit of my account from them, as well as an audit of each plan individually, so I can examine their accounting and payment application practices, at which time I will make a decision about pursuing legal remedies. 

I appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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