BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Submitted a wire transfer from my CitiGold account around XXXX XXXX on XX/XX/2021. I called in to CitiGold Customer Service to handle the transaction ... the young lady walked me through the online submission process. As we ended the process, my CitiGold checking account balance was reduced to {$0.00}, from {$220000.00}. After paying the {$17.00} wire transfer fee, the actual amount transferred to XXXX XXXX XXXX ( XXXX ) was {$220000.00}. 

As a wire transfer, this transaction should have taken no more than a couple of hours at most. The transfer never took place on Friday, and had not completed by XXXX XXXX on Monday, XX/XX/XXXX. I spoke to my local XXXX XXXX XXXX branch and they had no record of the transfer. 

At about XXXX XXXX, I called CitiGold Customer Service to find out what had happened to my transfer. I spoke to a young lady who tracked down the transfer, telling me the ttansfer had not been 'approved ' and was still pending. She contacted a 'manager ' at CitiGold who approved the transfer ; the money was released around XXXX XXXX ; and arrived in my XXXX XXXX XXXX account between XXXX and XXXX XXXX. 

This transfer was initiated XXXX hours before Citibanks cut-off time for a domestic transfer ( published as XXXX XXXX, Monday through Friday ). I was never informed that there was any form of approval process, and I went through multiple security authentication steps prove who I was before the wire transfer transaction was accepted in the system. 

I expected this money to transfer on Friday, and if there was a problem with executing the transaction Friday, Citibank should have contacted me to discuss any problems. As it was, my wife and I spent the weekend wondering where our money was. As I explained to both young ladies at XXXX, this money was needed to set up escrow for the purchase of a new home. 

My opinion ... Citibank just wanted to hold on to my {$220000.00} for XXXX more days, and they made me chase them to get the money released. If a wire transfer is initiated prior to there cut-off time, it should be executed. And if there is a problem, they should contact the customer to resolve the issue. 

CitiGold has other mechanisms to transfer money to another bank, and I pursued several of them. Unfortunately, the transaction limits are set so low, even using the best mechanism other than a wire transfer, it would have taken literally months to transfer the money. And to get a physical check for this money, I would have had to take a XXXX mile trip to a south Florida office to get the check.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer 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 U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX XXXX XXXX XXXX XXXX  As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 2022-09-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I applied for a job on XXXX from a job from XXXX XXXXXXXX. I get a text on XX/XX/22 saying I got the job for a XXXX XXXX XXXX but needed to pay for equipment. I spoke to my hiring manager through XXXX and call. They were supposed to send me a check but it was running late so they emailed me the check front and back and had me print it out. I deposited the check through my bank using mobile for the amount of {$3500.00}. only partial went through {$400.00} I then transferred through XXXX to XXXX XXXX XXXX a amount of {$400.00}. I get a call from my bank saying the check is fake and my account will be closed. I go to my local bank wells Fargo and speak with a manger and clear everything up proving I was defrauded and scammed under the pretense I was getting a job. I was told my account would be on hold until the XX/XX/22 and the negative {$400.00} charge would be removed. I call today to wells Fargo and my hold on my account is removed but they will not remove the negative balance of {$400.00} saying that I'm responsible. The XXXX payment was on hold for two pending and they still let it go through despite the money coming from a fake check but I'm responsible.

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 2017-08-26
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was behind on my home mortgage, so to keep the house from being foreclosed on and stop the late payments I did a modification of my loan. By doing this i was assured that the late pays would stop. They did n't stop showing rolling lates on the loan even after the modification was done. I 've tried disputing it with the company and the credit bureaus but have had no success. I make my payments on time and it still shows late pays every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Macy 's Credit has decreased my credit limit twice within the last 30days. My limit was {$800.00}. Once I paid {$200.00} in XX/XX/XXXX, my limit was decreased to {$600.00} immediately after payment. Then when I paid another {$100.00} payment in XX/XX/XXXX ( all within 30 days ) my limit has been reduced to {$500.00}. I have paid {$300.00} within 30 days and Macy 's can justify a credit reduction. As a platinum card holder, I was Always greeted as a valued customer by the live representative and even the automatic system. This does not seem or feel like I am valued when my money is taken and my limit is reduced so abruptly. 
This is also causing an adverse impact on my credit. 
I am a platinum card holder. I pay my bill. The only time I needed assistance was XX/XX/XXXX when Covid 19 first hit but Macy 's offered a deferment and I completed that arrangement. Yes, I missed 1 payment prior to the {$200.00} payment due to Transition of employment. 
I have not been notified of any decreases in writing. I am only aware of the decreases because I make my payments via phone. 
I am requesting that my limit is restored back to {$800.00}. I am very disappointed in Macy 's credit with their new practices.

Credit Limit. " Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement. The full amount of your credit limit is available to use where the card is honored. We may reduce or increase your credit limit at any time for any reason as permitted by law. We will notify you of any change, but the change may take effect before you receive the notice. You should always keep your total balance below the credit limit. However, if the total balance goes over your credit limit you still must pay us. If your account has a credit balance, we may reduce the credit balance by any new charges on your account. You may not maintain a credit balance in excess of your credit limit '' Macys credit card agreement.

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 2020-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$8500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) I have attached proof of payment on this account. The lates that are reporting are also incorrect. This account needs to report a {$0.00} balance and no lates. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and this line item needs to updated and/or removed. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Chime Financial Inc
State: TN
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: Overcharged for something you did purchase with the card

Complaint:
I rented a car on XX/XX/2021 for 30 days at {$1500.00}, immediately had mechanical issues with my rental since the moment I picked it up, you can pull call history showing on XX/XX/XXXX I called 5 times and was told I'd be responsiblefor towing the vehicle and several other things from each different representativeI talked too. Front tire sensor out, rear back tire deflating and oil life at only 7 % to name a few issues. After finally getting the only vehicle available to switch out, I was able to exchange last week and was told I'd receive either a 50 % discount on my monthly rental rate or your company would comp my rental for the month of XXXX. Fine. 

Of course I go to call the local branch, no answer. Went into the local branch i was told they can't do anything and gives me a XXXX number, I call and sit on hold for 15 plus minutes then get disconnected, I've done this on and off all week! 

Can SOMEBODY from your company RETURN my call?! The return is due tomorrow but I literally just got a vehicle that was up to safety standards and need to either get my refund or extend this rental! I guarantee that if I don't return it tomorrow you'll be hounding me and I want this email to document my willingness to try to contact your company for remedy. It's been a month of nothing but problems and nobody wants to address this and I've paid {$1500.00}! 

That was the email that prompted the 50 % discount and extension of my rental. By the time the stopped charging my credit card it was to the tune of {$4600.00}! I had disputed these charges with my bank and even replied to their text when they were trying to authorize the charge, I told them no and it still went through!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Police and XXXX 's department has been mismanagement claiming to understand the ownership. The 2010 report clearly states money laundering assets of the Wells Fargo account holders number. Which claims to being no relationship to account holder. 

Wells Fargo Bank N.A. has also found officers trying to withhold inheritance action between United States Treasury Department and Wells Fargo including other banking Institutions FDIC and XXXX. 

Can you be ever so kind to verify this account as corporate accounts division of the account holder Wells Fargo. 

Signed : XXXX XXXX XXXX Claim Amount : XXXX XXXX yr Extension and Contracts Billings Call me at 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 2018-02-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I been a customer of XXXX for ten years and in about XX/XX/XXXX one of XXXX customer service agents in they questionable pitch go me to open a XXXX credit card I did but I closed the account within 30 days as instructed if I no longer wanted that service. I had order several items a phone, printer and paid them off through my XXXX online website account to that company instead paying debt off to XXXX XXXX XXXX [ hereinafter " XXXX '' ] contracted by XXXX for the said credit card. then abut XX/XX/XXXX, started getting ls from XXXX stating that owe a erroneous balance of XXXX on a count I had closed within prescribed time to avoid such complications. I called XXXX to complain about this issue they told me to write a letter disputing charges I did to prevail the next month in XX/XX/XXXX billings invoices continue arriving. So called XXXX to tray to get them to intervene & resolve this issue through a 3-way phone call which was futile because XXXX customer service Reps just abandoned & left me to the misleading and unscrupulous conduct of XXXX. I had spotless record of paying my debt with XXXX and it is my contention that XXXX is at fault here for XXXX   XXXX onto their loyal customers who are then taken advantage by the deceptive business practices of XXXX. I threatened to get an injunction from the XXXX District Court of New York Court to cease the unlawful credit card practices by XXXX which just ignore me and in the event this agency does nothing I ight have to take court action option filing a pro se complaint in the matters discussed here. I am XXXX years old XXXX XXXX XXXX who need s assistance from these alleged abuses. These issues are causing me in-necessary emotional/mental duress and potential economic injuries. I hold XXXX equally responsible for the problem because their greed in getting some sort of financial kick back from taking advantage of unsuspecting victims as my self and should be held responsible by this agency or any other responsible agency or court of law for the deprivation of an apparent 14th U.S. Const. Amendment violation, of the Equal Protection & Due process Clauses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit files were unlocked and someone applied for several accounts in my name. Please see attached letters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2018-08-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXXXXXX XXXX a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with 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 non-monetary relief
Consumer complaint received 2022-09-01
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Citibank. Fraudulent charge to my credit card account on XX/XX/XXXX for {$24000.00}. I discovered and reported the fraud to Citibank on XX/XX/XXXX, and Citibank agreed to reverse the charge, but never did. Citibank withdrew the {$24000.00} from my bank account without authorization on XX/XX/XXXX. I called twice to have the amounts refunded, but Citibank did not process the refund. My bank finally reversed the charge, then Citibank charged me {$27.00} for the reversal of their error. It is now XXXX, and Citibank still has not reversed the fraudulent charge, which continues to drastically affect my credit score and undermine my ability to get a home loan. I called and spoke with XXXX with  Citibank on XX/XX/XXXX and she gave the same line as every other time, that they are processing it and it is awaiting management approval, which means they will do nothing about it again, and I can expect them to try to withdraw the funds from my bank without authorization again. I have spent at least five hours trying to work with Citibank to get this resolved, but they continue to refuse to reverse the fraudulent charge from my account. XXXX XXXX with Citibank 's executive office responded to my last CFPB complaint, but has not fixed this issue and has not returned my call.

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 2021-07-06
Company: Experian Information Solutions Inc.
State: MA
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 submitted a dispute with experian credit bureau 3 times about a false claim on my credit report of a car repossession. It is with the company XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX ma XXXX. I have never taken out a loan for a vehicle in my life and have only leased my cars. I called XXXX XXXX XXXX personally and gave them my name and my date of birth and they told me that they have no one in their record with MY NAME and MY BIRTHDATE. So that obviously means it is not me in that repossession and it should not be on my credit report. This is impacting my credit score but it seems everyone that works at experian credit bureau does not know how to do their job correctly. So I am filing a complaint towards them.

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