BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We're purchasing a mortgage and there is a large amount of money transfering into another account and some money from both of my husband and mine accounts. When we're in escrow I did transfered for my husband XXXX. After that I tried to log in to my account and they keep popping up error code MFA few times. I called the customer service, on phone with them and they keep transfering. The second time they hung up on me. The first time the representative did helped me resolve. I tried again to log in and transfer money for my husband and again, error code MFA like XXXX is MFA.?? Now both of our accounts is locked and had no access. We're ON ESCROW RIGHT NOW AND we have to pay for the closing cost, the house that we rent. All of our money which is more than {$150000.00}. $ XXXX is blocked and can not access. Ridiculous. While i'm writing this complaint I'm also on the phone and they keep put me on the line waiting. I'm like what are you guys waiting for what? They verified my phone number, verified my account number, whatever they can verify they already did. Citibank please do better. We might go into bankruptcy because of this. thanks again Citibank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Chime account recently to give them a try. I had a portion of my check deposited to the Chime account and received a bonus from them on XXXX, bringing the account balance to {$310.00}. On XXXX, I made a payment to my credit card company in the amount of {$110.00}. I received an email from Chime on XXXX stating my direct debit had been declined. I am busy and got XXXX so I couldnt handle the situation immediately. On XXXX, I reached out to Chime because my credit card company charged me a {$29.00} return item fee and I wanted to know why the transaction was denied in the first place. I was told it was for insufficient funds by support and that my inquiry would be escalated to member services. Member services sent me one message on XXXX and then I didnt hear from them again until XXXX when they improperly transferred my case to their Dispute Team. This is not a dispute according to the Reg E definition. I am incredibly upset with Chime because I have to pay {$29.00} for something I did not do. It was unfair of them to decline the transaction and they were deceitful in trying to pass it off as a valid decline for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XX/XX/, I asked for an impound analysis of my escrow account, because I knew it had been overfunded. On XX/XX/XXXX, I called the company and confirmed that they would be issuing me a refund of {$15000.00}. They subsequently informed me that they had issued the check on XXXX XXXX XXXX 

I never received that check. 

I followed up several times and received no plausible explanation of where my refund check was. 

On XX/XX/XXXX, I called again and spoke at length with a customer service rep and a supervisor. I was told the original check could be voided and a new one issued. I consented. However, by now it was clear that the company is in violation of Rule X of the CFPB. 

On XX/XX/XXXX, I received new electronic correspondence from the company indicating that they had erred in their escrow analysis and I was only entitled to a refund of approximately {$9600.00}. 

On XX/XX/XXXX, I called them again and told them they had to issue my refund and overnight it to me or I would be filing a complaint with the CFPB. 

Here we are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX  XXXX Balance Owed : {$2000.00}.

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 2020-04-28
Company: Ascendium Education Group
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2020, I spoke with XXXX about the wage garnishment refunds owed to me since the signing of the CARES Act. XXXX was unable to provide any information about when the other refund checks would be sent or why they have not yet been sent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: MD
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:
I am complaining about XXXX XXXX XXXX. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about XXXX and they by their action reduced my credit score to about 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 2019-05-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2023-04-25
Company: EQUIFAX, INC.
State: NV
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 delete the following information in my file. The items need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission identity theft 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 2017-09-13
Company: Summit Financial Corp.
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 information incorrect

Complaint:
Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Chime Financial Inc
State: NY
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:
On XX/XX/22 I lost my prepaid debit card. I realized I lost my card when I arrived home and checked for my purse. I immediately checked my Mobile App to shut down my prepaid card and realized that XXXX fraudulent transactions had taken place on my account. ( XXXX & XXXX {$710.00} and {$19.00} ). I then called customer service to report my loss. I was able to block my card and to order a replacement. I was informed that I was unable to file a dispute while the transactions were still pending, although I verified the transactions were fraudulent. I followed procedure and filed a dispute on XX/XX/22 reference # XXXX. On XX/XX/22 within 24 hours I received an email stating my claim was denied. I think this is a travesty. what investigation takes less than 24 hours? This really put me in a bind, my direct deposit for my job is deposited into that account. All my money is now gone. I lost my card and acted quickly in replacing it, I did not have my PIN written down, I followed all the instructions in filing a dispute, but yet I was denied. I Need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have been communicating with these company for the past 6 months to remove inaccurate information on my credit report. The company has not given me proof that any of the alleged items belong to me. They are harming my personal financial life.

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 2023-04-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am writing to lodge a complaint against Citibank for not honoring their advertised cash rewards for opening a new account. 

In XXXX of XXXX, I opened a new account with Citibank after seeing their ad that promised a cash reward for new account holders ( I have a screenshot to prove this ). I made the necessary deposit on XX/XX/XXXX and was supposed to receive a cash bonus of {$450.00} from Citibank. On XX/XX/XXXX, I contacted a Citibank customer service representative to inquire about the cash reward, and the representative assured me that the reward would be credited to my account by XX/XX/XXXX ( I have a screenshot to prove this ). However, despite meeting all the requirements stated in their offer, as of today, XX/XX/XXXX, I have still not received the cash bonus, and based on my chat with another Citibank representative, it appears that Citibank has refused to give me the cash reward. 

I have made several attempts to resolve this issue with Citibank, but they have been unresponsive and uncooperative. Their customer service representatives have given me conflicting information and have not provided me with a satisfactory resolution. 

I strongly believe that Citibank 's refusal to honor their advertised cash rewards is deceitful and dishonest, and I am requesting that you investigate this matter and take appropriate action against them. 

Thank you for your attention to this matter.

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 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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/XXXX there was a charge on my checking account for {$1500.00}. I immediately marked it as fraud with my bank because I did not make that charge. At the end of XXXX they sent me a letter stating that their investigation was now closed and the charge would be reversed and posted to my account on XX/XX/XXXX because their investigation concluded that it was a verified and accurate charge. This was incorrect so I called them the same day, spoke to a woman who said she would reopen the investigation. Yesterday was XX/XX/XXXX and my account was hit for the {$1500.00}. I called them today on XX/XX/XXXX and was told they have 45 business days to conclude their investigation ( again ). This has been ongoing since XX/XX/XXXX, no information of the investigation was given to me. They've also taken my money that I need for bills and feeding my family and we don't have 45 days to wait. 

I did my own investigation and found out the charge was for a XXXX XXXX XXXX XXXX table in downtown XXXX, Tx. I live in XXXX, AZ. I have proof that I used my debit card in XXXX  XXXX, Arizona a week before XXXX. I have picture proof that I was with my family at my house in XXXX, AZ on XXXX. I've never even heard of this club, the website it was charged ( have never used it ), and would absolutely NOT be in XXXX, Tx. 

I personally believe my debit card was skimmed at a bank owned ATM. I use my debit card for ATM withdrawals at the drive-thru bank, the last time it was used before the fraud charge was on 10/26.This is the only logical and possible way this occurred. It was absolutely NOT me that made this charge and I'm disturbed how this bank has taken my money with no due diligence of their own in their fraud investigation.

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 2023-03-14
Company: Resurgent Capital Services L.P.
State: IN
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 In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to Equifax for the past XXXX months to inquire about my credit reporting on my account. 

I have noticed two companies both XXXX XXXX and XXXX sent over request to remove them from my trade lines on XXXX. I confirmed again the turnaround time with both companies and was advised 30 days. 

These companies have been removed from all other credit reports but Equifax. I have access to my online account so I can actually pull the report myself through their app and my FICO the problem is everyone I try to call they ask for my name, SSN, DOB, address I answer it all correctly as it matches my profile online.. 

They ask me to do an authentication photo, I have driver license I send it over along with a selfie of me and my driver license. The rep will come back and say you failed authentication send us documents of proof. 

What more proof can I send these people. This is the only credit bureau I am having this discrepancy with and I am nervous I am being defrauded. I feel my account or identity has been taken over by someone who has access to my Equifax. Why else would my information I was born with an assigned by the government as ship cargo not match what Equifax has!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief