BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged at a XXXX card XXXX dollars from an ATM on my credit card, i filed it as fraudulent as i did not approve this transaction. I had my card taken during the night and returned later, when i checked my statement and saw the charged I called the dept and reported it. After the did there due diligence i got a call later saying my dispute was denied as they had video proof and picture evidence it was me. I asked for it saying no chance and they said they would send it to me. over a month later I still did not get this " evidence '' so when i called they ended up sending it to me and when I received it, while my card and ID were in the PDF sent to me were mine, the signature was not mine ( could go through prior transactions and prove that quite easily ) and the photo evidence they had that it was me the man in the picture was clearly not me. anyone with a set of eyes can look at the photo and see there is no resemblance of the man in the picture and my self. The cc fraud department said they couldnt make out of the picture if it were me or not and they arent signature experts so they couldnt figure that out either. I have told there are no other options left so now I am here. the photos are encrypted so we will have to reachout to them ( Citi bank mastercard for XXXX XXXX to have them send the pictures )

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 2021-04-22
Company: EQUIFAX, INC.
State: TN
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:
Today XX/XX/XXXX, I called XXXX to remove my information front credit report but was told that they did not remove the information because Equidax is suppose do that. I then called Equidfax and they told me that it was the responsibility of XXXX to report it wrong. A little got was a run around from both. My student loan was discharged in XXXX. I have had other issues with Equifax not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions 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:
All three credit reporting agencies, Experian, XXXX  and XXXX  are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XXXX  reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.

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 2019-01-23
Company: EQUIFAX, INC.
State: GA
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 sent numerous ( 11 ) certified and Notarized letters to Equifax to correct errors found on my credit report but to no avail, the reply Ive gotten back is " The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity ''. I have repeatedly requested the names, addresses and telephone numbers of individuals Equifax contacted during their investigation repeatedly advising any automated response or XXXX verification is unacceptable and again still no avail. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Repeatedly, I have asked Equifax with written notices requesting a correction on my report. Repeatedly, reporting incorrect information Equifax refuses to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, failure to correct. After several ( 11 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Equifaxs false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and repeated attempts for correction have imposed upon my significant distrust, frustration, and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. My requesting that Equifax delete specific items in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Equifax willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear CPFB I am complaining about M & T Bank where I have a joint with my daughter. 

Within the last year, I went to the XXXX Branch of M & T Bank and met with Assistant Manager XXXX XXXX. I asked to be removed from the account. As I watched, he worked on his PC, and told me I was off the account. I asked if I had to sign anything, he said no and I left thinking I was no longer an account holder. 

Imagine my shock when on XX/XX/XXXX, I received an email for insufficient funds notice. Turns out this was my first notice but the the last one before the bank blocked the account and began their collection process. 

So I had no knowledge but looked into it further and a small matter, less than {$100.00} for a purchase, the first membership fee, and an overdraft let to almost {$300.00} owed. My daughter chose to NOT have her card overdraw her account for everyday purchases. I further learned that the gym is a recurring transaction and not impacted by this choice. 

The account is negative almost {$300.00}. Is it reasonable for 6 fees of {$38.00} for two items overdrawing the account {$62.00}?

It seems convenient that my wishes to be removed did not happen, and M & T only bothered to contact me when the account was a mess. 

She paid M & T bank last year a total of {$610.00} in fees I have since learned researching this matter. She stopped using the account, and a charge for XXXX XXXX XXXX  XXXX XXXX  overdrew before she could close the account. 

Im contacting the CPFB to make sure you are aware of M & T Bank and the fees it charges account holders. How a customer can pay over {$600.00} last year, and this year two items can cause another {$230.00} in fees. And only when a sufficiently large balance is racked up, do they contact everyone on the account? 

When I contacted the bank, I was told that I remain an account holder and responsible, the account needed to be closed to remove my liability, and that I need to pay in full. Im willing to pay a reasonable amount on behalf of my daughter. 

Please help me in this matter, 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 monetary relief
Consumer complaint received 2020-02-20
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have filed a billing dispute for my CITI Prestige Credit card for a transaction made on XX/XX/2019, CL*TRAVEL of {$1200.00}. The dispute case number is XXXX. The reason for the dispute is the service received is not as expected. After I filed the dispute, the CITI dispute team never asked me to provide any supporting materials but closed the dispute in favor of the merchant by just listen to the merchant side. The reason CITI close the dispute is " you used these services with the knowledge they were not what you originally agreed upon '', which is certainly not TRUE at all. 

The nature of this dispute is, when I book the hotel from CITI Thankyou portal 's travel website, the XXXX XXXX stated that their hotel room is SUPER CLEAN in their booking website. But when I stayed in the hotel, the room is not that clean and I get a severe bug bite in the hotel, and I know the consequence of bug bite after I leave the hotel. When I first stay in hotel I find the room is not that clean, but the hotel reject to refund the prepaid room charge, and promise they will clean the room to the required standard, but they didn't. First, I didn't know the room service I receive will be like this dirty, if I know I will never choose to stay there. No one is going to stay a room with bug issue. Second, hotel reject to refund the room charge after I tell them the issue of the room, and promise will clean the room, but they didn't. Thrid, the severe consequence of bug bite happens after I leave the hotel. So the reason that '' I understand the room situation at beginning and still choose to stay there '' is NOT TRUE. 

I called CITI dispute and explained what happened and CITI promised they will re-open the investigation. After I sent them all the supporting materials, the CITI dispute team never reach me to discuss the issue and reject the dispute for the same reason. I believe the CITI dispute team never investigate the case or even look at the supporting materials I sent to them. The reason CITI denies my dispute is not convincing.

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 2017-10-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish a fraud account with Target credit service/TD Bank without his consent on or around the date of XXXX/XXXX/2016. He notified TD bank of this and was provided a fraud affidavit to complete and return ; which he did. As of this date however Target has not replied as to the outcome of the investigation results as is their obligation under the FCRA and has committed an offense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: HI
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:
on XX/XX/XXXX I initiated a complaint that the information was incorrect. Experian says I have an account with XXXX XXXX that is overdue. I called XXXX XXXX they have no record of any account in my name, much les a past due account. I have attempted to contact Experian but can not get a hold of anyone. Experian is completely unresponsive!

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 2020-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive asked them to provide documentation that I entered into an agreement with this company and or had anything signed by me agreeing to ownership of this debt. This was not provided. I dont have and have never possessed anything with the company sleep number and therefore I dont owe the original creditor a debt or the company who has brought the debt and is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: M&T BANK CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to transfer/close my account with M & T bank for a week and they keep declining my transfers. I messaged them and they wouldn't provide any details. I tried to call but the person I talked to was no help and gave very vague answers. I want to transfer my money and close my account with them. Too many hoops to jump through with this 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 2021-04-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to delete the following Information in my file.The item I need deleted are listed in the report. I am a victim of identity and I did not the charge. I asked that the item be deleted to correct my credit report. I reported the theft go my identity to the federal trade commission and I also have inclosed copies of the Federal trade commission identity affidavit. Please delete the items as soon as possible.

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
a XXXX  XXXX XXXX  tradeline was resolved in 2017 ; however, tradeline wasn't removed in accordance with agreement made with debt collector on behalf of the original creditor.

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 2020-02-20
Company: Franklin Financial  Corporation
State: WI
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:
On XX/XX/2019 and XX/XX/2019 XXXX XXXX XXXX ran hard inquiries on my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I was shopping in XXXX XXXX. While I was shopping and looking at different products, I lost my wallet and car keys. I was in the store for over 3 hours looking at different products and designs. When I was about to leave, I noticed my keys and wallet were missing and I went to the front desk to see if anyone turned it in. Thankfully someone did turn in everything and I thought everything was good. A few days later, I noticed a charge on my debit card for {$840.00} that I didn't make. I can only assume someone made the purchase with my debit card while it was missing during that time frame. I disputed the charge with my bank ( TD Bank ) a few days after I noticed it, which was less than 10 days after the charge. 

Once they completed their so-called investigation, I was informed that an error did not occur and the dispute was invalid. The representative on the phone, told me that I can not speak to the dispute department and was only able to read me notes from the dispute department. The notes stated there was no other disputed charges after that the {$840.00} dispute and that I used the same card after that day for purchases that I made. I informed the rep on the phone that yes, I did use the card after because my wallet was returned to me with my card inside and I didn't know at the time, that someone has used my card while it was lost. The representative understood and then submitted a second dispute. The second dispute came back and stated the exact same findings as the first dispute. I told the representative on the phone, they need to do a better investigation other than just saying, that I used the card after the disputed charge and therefore the dispute is invalid. I informed the representative they need to contact XXXX XXXX for further investigation, and she told me the bank does not do that and I would need to do a police report for that and fax it in. The representative then filed a third dispute and would attach the police report to that dispute I filed the police report on XX/XX/2020 and fax the report to the bank as instructed to do. On XX/XX/2020, I noticed the bank had took away the temporary credit for the dispute once again. I called the bank the same day and spoke to a Supervisor, who told me there is nothing they can do about it and I need to maybe contact XXXX XXXX to see if they have video footage. I have been dealing with this for over four months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20
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:
My account was hacked and the guy opened a XXXX account and stoled {$1000.00} I did not Authorize this. I called Citibank Immediately and opened up a fraud case! I assumed Citibank was able to track this and was going to reimburse me. After almost 2 weeks they said the case was closed and they were not going to reimburse me since I gave this man access to my computer

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 2020-02-20
Company: Checkr, Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a job that did a background check on me before hiring me. The 3rd party company they used to do the background check is reporting a speeding ticket incident on my driving record that was not supposed to be on my record. The incident occured on XX/XX/XXXX and did in fact happen. However, I attended court and the judge allowed me to pay my fine and attend a defensive driving course ( at my expense, which I also paid for. I went to the court house XXXX the XX/XX/XXXXand asked for someone to investigate why this was being reported. The clerk found an error in input on their end which she corrected and printed out a doccument for me to show that this had all taken place. I sent the company, Checkr a copy of that page and asked them to reinvestigate my background to pull my report again so that this information was no longer listed. The have since decided not to correct this listing, which has caused me to be turned down for the job that I applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Hello, I got a call with threats to call a number if not they will file a case against me. I believed it was a scam and asked them to leave me alone because they said they couldn't provide any information to me. A week later, my sister texts me and told me someone called and asked for me, and left their name and number and asked for me to call back, if not there was going to be a case filed against me. I finally called and they told me I need to pay {$300.00} if not, the court will charge me {$1000.00}. I got intimidated and paid, but now I will be struggling to pay my rent. I am the only one working at home with XXXX kids to provide for due to Covid, and now I will be short with my rent. They said I need to pay in full and did not give me options to pay in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Date : XX/XX/2019 I got a card from Equifax, stating that " within the last twelve months we have received eight or more inquiries for your credit file. '' It also says that Colorado law requires them to provide me with a disclosure copy of my credit file when this happens. It give a toll-free number to call ( XXXX ) to get it.

So I call the number, and spend a bunch of time pressing 1 for this and 2 for that, just for them to refer me to a web site ( www.equifax.com/FCRA ). They COULD have saved me a bunch of time by printing the web address on the card, but instead they make me waste a bunch of time on the phone just to get it.

So I go to the web site, spend another bunch of time filling out the form. One of the items is Reason For Credit File Request. There are 8 choices, and none of them seem to apply to my situation, so I have to just pick one to proceed. I pass the challenge questions, then I get : " At this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. '' So I call that number, and get the same automated voice response system that I got with the first number!

A total run-around. I'm entitled to a copy of my report, and they waste a bunch of my time just to not give it to me.

Company response to consumer: Closed with explanation