BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX 2017 We received 7 letters stating Citibank was closing all of the accounts in my household. The accounts consisted of my husband and me, as well as XXXX of my children. The letter ( which I no longer have ) had no explanation as to why they were doing this. They said they have the right to discontinue business with anyone for any reason they choose. We promptly withdrew all of our money ( XXXX ) from citibank at that point. I contacted the executive offices for Citibank and was told " It was a business decision and business decisions ca n't be reversed. '' A couple of weeks later without notice our XXXX XXXX  XXXX card and XXXX card were cancelled.. which was quite an embarrassment. I since have attempted to re-apply for the XXXX XXXX XXXX card and was denied. I will attach the letter ( which is very concerning to me, my husband and our children ). I am worried for our financial future. I applied for another XXXX not associated with XXXX and was quickly approved. I have also opened another account with a different 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

Collection XXXX XXXX XXXX {$260.00} Public Record US Bankruptcy Court 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 2019-04-12
Company: Experian Information Solutions 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:
Sent information to this coming via Experian upload, I've yet to receive a reply. I am needing them to block and remove information on my credit report that is a result of fraud.

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 2018-03-22
Company: U.S. BANCORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I had 2 checking accounts open with US Bank XXXX, IL branch in the XXXX store. After time, the accounts were charged fees for being open ( without knowledge ) but they did notify me through mail unnoticed by me. The real issue is they opened lines of credit without my permission and transferred the monthly fees to the lines of credit. As soon as I noticed ( months later ), I talked to the branch manager and told him I wanted to close my accounts. He told me he was removing the monthly fees off my account. I agreed to pay fifty something dollars to clear the lines of credit because he said he couldn't take it all off. Months later the lines of credit had balances again. I went in to see the branch manager about 8 times to resolve the issue, called numerous times to numberous departments in us bank. Most of the customer service departments were sympathetic but said they couldn't help, but that the branch manager could help. The branch manager said that was not accurate and he had no knowledge of any way he could remove it. At one point he said I could pay a hundred something dollars to clear off and provide me with a written document stating payment in full but could not verify if it was for both accounts. The amount currently being reported each month as charged off is XXXX and XXXX. I have requested records to show I signed up for the line of credit or for some sort of overdraft I personally did and twice they have only showed me records showing the fees. I have paid all my other debts, including more than {$10000.00} in credit card debt to us bank. The negative credit is impacting me more than {$370.00} worth, but I find it too offensive to pay when it's all a fraud and poor customer service on their part.

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 2019-04-12
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the collection department to request a settlement and was denied. Was offered to make payment arrangements because they found other debts linked to me. I clearly stated that I did not want to make payment arrangements but I would like to pay each account in full one at a time if the debt belongs to me. At not time did I claim ownership of the other debts. The specific debt in question was {$130.00}. I paid the exact amount and PMABLLC only applied {$23.00} claiming that I still have a balance of {$100.00}. If my payment wasnt going to be applied In full to the medical bill for the office that I intended it for, PMAB LLC should have returned the payment along with a letter of payment arrangements. I did not agree to any type of payment arrangements verbally nor written.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: VT
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:
problem whit XXXX XXXX XXXX on my credit report about every 2 to 3  month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
As a minor, I was given a credit card under my mothers name - no information about me was given nor was I an account holder. The company - Barclay credit card - added me onto the account as a holder and it is now effecting my credit score when I have not been on the account for over a year and is continuing to show up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I need to file a complaint on Experian I have asked them to Investigate Errors On my credit file in which they failed to I pay for Experian credit monitoring these accounts are not reporting correctly I asked Experian to remove these account ASAP XXXX XXXX XXXX No account number attached. also a charged off showing that is a violation of the FCRA but they claim they have verified the account. I asked that this account be remove from my credit file today I will also need to see Physical proof of their investigation as Follows Who they talked when they talked to them employee Id number what Documents did you send them what Documents that they send you also any credit App with my names attached and Signed and dated if you can't or won't send the Physcial documents delete asap Please reframe from using XXXX XXXX as I need Physical Proof I will not ask again for Physical Proof again Next step with be legal actions see file from your website!

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 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-12-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I tried multiple times both on online chat and telephone calls with customer service, they still keep the account open and send me statement of fees. 

Account number is : 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 monetary relief
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion has intentionally failed to update and investigate my credit report. I have filed many claims. Most recently they have refused to provide me with copies documents according to the Fair Credit Reporting Act 15 USC 1681 ( i ) Please re-investigate the following accounts : XXXX XXXX Last Payment Made- Amount Of Payment XX/XX/2013 XXXX   XXXX Last Payment Made - Amount of payment XX/XX/2013 I have continued to express this mortgage is the same account and is past the 7 years reporting time frame. 

TransUnion has not updated either these accounts although they claim to have recently investigated my claims. Please delete these two accounts as they are not accurate and the information listed is not complete

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 2020-05-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Since the month of XXXX due to the COVID-19 Pandemic my paycheck has been delayed since then we are trying to be responsables by using our little savings and cover our minimum payments. On the month of XXXX sinces our checks were delayed we couldnt make the payment on time now we are trying to cover that payment and bring the account on good standing and we cant. Today XX/XX/2020 @ XXXX XXXX  we spoke with agent id XXXX and asked her if she can help us by removing the 2 late fees for the month of XXXX and XXXX ( Pandemic Time ) and she said no. I dont agree with this behaivor becuase the arenot helping us during this time i am not refusing to make the payment I WANT TO MAKE THE PAYMENT all I am asking is for : THE DERROGATOR REMARKS ON MY CREDIT REPORT TO BE REMOVED and THE REVERSE OF THE TWO LATE PAYMENTS FEE. I will really appreciate your help and understanding my credit score and payment history is excelent becasue I consider myself a Responsable person. 

Thank you in advance for your Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 disputed the following unauthorized inquiries and transunion has refused to delete them from my credit report. There was permissible purpose for these inquiries. 

XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XX/XX/2021

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 2019-04-12
Company: Experian Information Solutions Inc.
State: MN
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 need to file a complaint on Experian I have asked them about 7 time to Investigate incorrect reporting on my credit file But they failed to do their Job XXXX account XXXX account status is reporting as closed should be charged off also charged off account showing a pass due Balance of XXXX per FCRA ACCOUNT CAN'T BE REPORTED LIKE THIS WHICH IS A MAJOR VIOLATION ALSO NO ACCOUNT NOTE AS TO WHO THE ACCOUNT OF SOLD TO ETC. But yet Experian claimed that the account was verified. I'm going to need you to delete this major VIOLATION OF ACCOUNT SEE DOCUMENT DURING your last investigation I need to Know who you spoke to when you spoke to this company what info you sent to them what info that they sent you also a credit. DELETE THIS ACCOUNT ASAP

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 2018-12-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have two IRA accounts with Citibank. One has $ XXXX. The other has $ XXXX. Citibank has charged me {$100.00} in fees a number of times over the years because of " low balance '' in the one account with $ XXXX. They refuse to take the combined balance into consideration and refuse to refund the multiple {$100.00} fees. 

In addtition to this, when I let them know that I would like to liquidate all of my Citibank accounts and rollover the funds to XXXX they informed me that it would cost {$95.00} to close the account. 

So many customer experience problems here. One - Citibank would seemingly rather me remove $ XXXX from their bank rather than refund me a few hundred dollars in feeds. Two - they want to charge me for closing my account. 

CFPB - please help! 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 explanation
Consumer complaint received 2020-10-11
Company: Collection Bureau of Fort Walton Beach, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I send Collection Bureau of Fort Walton Beach Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX a letter asking for validation of a debt they claim I owe I asked for competent evidence bearing my signature showing that I have or ever had some contractual Obligation to pay them. 
I have also send other letters on XX/XX/XXXX and on XX/XX/XXXX asking for documentation bearing my signature they have yet to send me any documentation bearing my signature and continue to report this on my credit report without Evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Contacted Bank of America on XX/XX/XXXX and XX/XX/XXXX regarding accrued interest on the account. I have several balance transfers on this card which is the primary use of it. I have no interest accruing charges on it. BOA has been allocating all the payments made to the " first balance transfer date '' and not to the expiring transfer dates. This has caused those zero percent balance transfers that are expiring to now become interest accruing transactions. I have other balance transfer cards with multiple transfer timeframes on them, yet those seem to apply the payments to the ones expiring first, not when the transfer was first taken out. Not only did this occur, but they also didn't even attempt, based on the law, to apply the last two months to the one expiring the soonest, I check the XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX statements to verify payment application. The customer service agents and the floor manager on just kept repeating that the " law '' states they have to apply the payments to the one first taken out. This to me is bait and switch technique where they can then cause the customer undue burden. Granted I should have monitored the online statement but I will opt to change this to a paper statement in the future at their expense of mailing so I can monitor these transactions closely.

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 2020-05-07
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}

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 explanation
Consumer complaint received 2018-09-06
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX I was approached by a Wells Fargo worker at a county fair who started to talk to me about college and credit and such. When talking to her, she advised that Wells Fargo offers a college credit card that accrues no interest while I am in college. I was excited because that would help me with my financials and my credit score. When I went into the branch, I was verifying what she told me and she said that I would not accrue interest on the credit card while in college again. In XX/XX/XXXX, I found out I was lied too and that interest started to accrue after 6 months. I went into the branch near me and called multiple times. They only reimbursed about {$100.00} and stated nothing else could be done. I believed them. I just found out on XX/XX/XXXX that it is against the law to lie about terms to get people to sign up for bank products and that I was lied to again. I want true repercussions regarding this issue and the lying

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