BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The week of XX/XX/2022, I received a packet in the mail from CITIBANK that included 40 checks embossed with my name and address for a " Citigold '' checking account for a " XXXX  XXXX XXXX XXXX '' account and a " citi '' XXXX with a " Card Agreement Guide '' also using my name, XXXX XXXX. 

The problem is that I never opened any such account. I have never had a a checking account with Citibank. I had no contact with Citibank. All my checking and savings accounts have been with credit unions for over 35 years. 

I called their " customer service '' ( sic ) phone number on XX/XX/2022 to find out what was going on and to make sure the account was closed. Their agents spoke very poor XXXX and the phone connection was faulty. After several long holds, I was connected to the " Fraud Department, '' where the language problem got worse. I was told that the account would be closed. I called them back on XX/XX/2022 where " XXXX '' ( the " supervisor '' I demanded to speak with ) told me the account had not been closed and that over {$600.00} in charges had been made against it. She then closed the account and told me the " Transaction Number '' was XXXX. She said it was my responsibility to pay any charges on the account and that if I wanted to know the results of their internal fraud investigation, it was up to me to call them back at a future date. She said the account was opened on XX/XX/2022, but could give no details as to how it was opened or whether there is any paper trail indicating if there was a signed application for it. In short, they have no evidence that I ever applied for the account. 

On XX/XX/2022, I received a form letter from Citibank confirming that " your Citi XXXX XXXX XXXX ac count '' had been closed. The letter stated : " Please be aware that you are responsible for your balance and will continue to receive monthly billing statements until it is paid in full. '' The bottom line is that this fraudulent account was either opened intentionally by Citibank or a hacker had enough of my personal information to illegally open an account in my name. I requested a letter from them acknowledging that the account was opened fraudulently and that I am not responsible for any charges related to it, but " XXXX '' would not confirm that they would do that.

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 2022-12-12
Company: EQUIFAX, 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: 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt In addition to the other accounts, XXXX XXXX XXXX admitted to NOT having a contract with me ( please see attached docs ) via the XXXX so they need to be removed ASAP. Also posting personal information of the said consumer online via the XXXX complaint for anyone to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened a car loan approximately 16 months ago. I established an on line account to make payments with my existing checking account. Since that time they have used various soft methods to coerce me into either transferring my checking account to them, or to enroll in autopay, neither of which I am willing to do. These methods include 1 ) Not recognizing my login name requiring me to create a new login name through their customer service phone line 2 ) Not recognizing my password requiring me to create a new password through their customer service phone line 3 ) Not recognizing my previous checking account information requiring me to resubmit the information which requires a process of test deposits and my re-entry of the amounts of said test deposits which can take up to 3 days and could register my payment as being late. 4 ) not allowing me to complete my payment transaction without searching for and declining the autopay option. Each time I have called their customer service line, the customer service agent has been " helpful '' but has suggested strongly the autopay option or to transfer my checking account to Wells Fargo so that the checking account information could not be " lost ''. I have also been asked to make a payment over the phone to resolve the issue which I will not do as I want a digital trail to ensure my payment is not accepted and subsequently " lost '' the way my information has been. I believe these are coercive tactics that are not in my best interest and need to be investigated as I am sure this is a fairly common issue with Wells Fargo 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 2018-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In the month of XX/XX/2018, while on a XXXX XXXX flight, an attendant announce to passengers that we could take advantage of getting more miles by applying for a credit card account. When several passengers questions this, the flight attendants told ALL of us that if we didn't want the card, please tell Bank of America when they called. As I return to my origin, I check my credit report and score and noticed boa already pulled my credit report. I did not want a credit card and called BOA and explained this. I shared with them this was a deceptive practices and this is how they got in trouble not to long ago. The personal assured me they would remove this inquiry. It has been over 30 days and it has not been removed.

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 2018-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match 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 explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2017-06-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have  XXXX  hard inquires on my credit report and they were n't authorized 1.   XXXX     XXXX , DE  XXXX  (  XXXX  )  XXXX  and 2.  SpringLeaf Financial  services no contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, we were granted a disaster forebarence. I was told it was my choice to modify or do a forebarence at the end of the 3 months. In XX/XX/XXXX, I received a letter stating I wasnt eligible for a modification. The 1st payment was due XX/XX/XXXX. I was told I had to pay basically {$5000.00} ( 4 months mortgage payments ). XXXX ( old servicer ) told me FHA wont allow a modification if it causes my payments to increase. After 2 months of arguing they agreed to do a modification. After I sent in all requested documents the loan was transferred to Freedom Mortgage. I have been going back and forth with Freedom Mortgage since XX/XX/XXXX. I have sent documents, they request the same documents stating what they have is outdated. I was told they are asking for documents required by HUD. I made a HUD complaint so I have a direct point of contact, she told me all HUD requires is proof of income before the disaster. I keep waiting 30 days for underwriting to make the adjustment but I keep getting letters and/or calls asking for more documents, that they havent received the documents. Today I got a letter saying if I dont pay {$4000.00} by XX/XX/XXXX, that they were going to start foreclosure proceedings. This needs to be rectified within the next 5 business days. I am in the process of refinancing and if the new company contacts Freedom for a mortgage statement and they report that I am past due 3 months, I will sue! This has been going on for 4 months! I was apart of a disaster relief program, I should not be treated like this!

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 2017-06-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Tried to use my CITI Costco Business card on XXXX/XXXX/2017 at a restaurant. It was declined twice. Called up the Customer Service number and was told that the Citi Executive Response Unit has made the decision to cancel the account and they can not give me a reason. I am supposed to mail a letter to Executive Response Unit, XXXX XXXX XXXX, XXXX XXXX, SD XXXX and wait to hear from them. That is the only way I will get an answer. There is no telephone number to contact them. Meanwhile ; I am left with no Business Credit Card for reasons unknown to me and Customer Service at CITIBANK will not answer any questions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
( Ref ID - XXXX ) Paypal you are XXXX  wrong I don't care what you have to do to get ethical employees and quality Assurance that is fair & respectful of customers but you better find a solution to this XXXX backoffice that exploits XXXX and private class citizens from accessing their money cause I'm not having it or waiting another day for you to release my funds. You have all these rules and restrictions but the audacity to claim we can use your financial services securely. Today was hit milestone limit of your malicious and scrupulous ways. If you are going to advocate and market your services to consumers than let utilize them without prejudice. I was on the phone all day begging for support escalate the release of my account because a merchant owed me money & when the company actually agreed to pay me back you had the nerve to limit my account that was already restored 6days ago but you can't explain what actually went wrong~Nothing! You just keep sucking the life out of XXXX  and other ethnicities that are solid and grounded in financial stability. I'm XXXX  & instilled trust to deposit my money into your company with hopes that you would respect my interest. But your so called Back Office proliferates hatred and hostility towards consumers with racism and bias. I am XXXX  and you knew I called today to settle my account so I could conduct my medical billing for the week but you ignored my every regard to establish reciprocity. Foolish heathens how dare you try to make me wait 180 days to retrieve my money. You haven't given me anything but grief and XXXX  and the fact you solicit your services with segregation is beyond fathom. At least ask or notify a customers if you have concerns. Don't go pulling tricks and snaking customers behind their backs to take money that doesn't even belong to you. Keep it and practice common sense and professional values. You don't give anybody a PayPal XXXX to follow when they sign up but stay having the excuse to Limit their accounts just for utilizing the app features you say we can use. If I wana transfer money into my bank account or pay a bill that my prerogative It doesn't cost you anything~So why the heck do you train agent 's to tells us lies that it's in Paypal 's interest to protect us from risk when you are actually the ones practicing Shady compliance. Please release my money by tomorrow morning before I call a XXXX XXXX reporter to investigate your Compliance fraud. If you continue to violate consumer privacy & practice unjustifiable bias you will lose business from XXXX XXXX citizens. Please get a Public Relations Advisory to monitor the negation of your Back Office team cause they are running XXXX XXXX business like a XXXX plantation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I applied for a XXXX store credit card ran by Comenity Bank. I used the card and made on time payments. I closed my account and the phone calls will not stop. They harass other members of my family that live in California about my dept. They will call me with different phone number at least 15 times a day. I told them to stop calling me and they get rude and hostile over the phone. when I pick up the phone I know it is Comenity Bank because the first thing they ask me is if I have legal representation. I pay all my bills on a timely matter. It is getting to the point where I don't even trust them with my card number to make a payment over the phone. They call during the mornings, weekends, nights, and are very rude.I don't even know how they got my uncle 's number in California but I have the voice mail that my dad forwarded to me that Comenity Bank left my uncle. I told the one lady last month to send a bill to my house so I could make payment but I never received it, just alot of calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CITIBANK, N.A.
State: CA
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/2021, {$1500.00} was fraudulently withdrawn from our CitiBank NA checking account, appearing in our account as 5 withdrawals on our CiitBank debit card for {$300.00} each. These withdrawals were made by unauthorized use of the debit card, illegally obtained by a third party. Within an hour of these withdrawals, they appeared in our account, and we immediately attempted to notify CitiBank to report them as not made by us. We were on hold for ninety minutes. When we were finally able to report the fraud, we were told that the funds would be restored to our account within ten days, and that there would be an " up to 90 day '' investigation. After ten days, we were informed that the funds could not be restored. CitiBank could not determine fraud, as the withdrawals fit our pattern of use. We had rarely used our CitiBank debit card to withdraw cash, and never for more than $ XXXXAfter several complaint calls which were shuttled to several departments, we were told the case would be re-opened, and that a police report would help our case. We filed a report with The XXXX XXXX police on XXXX XXXX ( attached ) Checking the account daily, we discovered that the {$1500.00} had been restored to our account on XX/XX/2021 with no notification or communication from CitiBank. With funds restored, along with what had remained in the acccount subsequent to the incident, we wrote a rent check for {$1600.00} on XX/XX/XXXX, and submitted it to our landlord on that date. Checking our account on XX/XX/XXXX, we saw that the check had not been posted as deposited or cashed by our landlord, Then, also on XX/XX/XXXX, there were 5 bank debits posted for {$300.00} each. There was no communication from CitiBank. When we called to inquire about the debits, we were told that the " available '' funds that appeared in our account were " provisional '' and had apparently been taken back. We had to subsequently inform our landlord to hold off cashing our rent check until we could get this straightened out, Citibank has made a mess of this, and it's just wrong..

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 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2022 call to capital one advising lie should be released as included in discharge XX/XX/2022 follow up all to capital one- they advised debt is valid & I am to pay in full I again gave them bankruptcy info They will send demand for payment & insist debt is owed Trying to get mortgage on home & this lien preventing me being able to get mortgage Causing undue hardship, loss of time, money due to unnecessary delay

Company response to consumer: Closed with non-monetary relief