BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: CITIBANK, N.A.
State: CA
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 contacted Citi Credit Card to dispute three transactions that were charged to my Citi Card. My wife is an authorized user on my card and used her card to purchase something in XXXX. The transaction was for {$660.00}. The transaction did not go thru and due to that the merchant tried two more times for a total of three times for the same amount. All three times the merchant said it was declined so my wife gave a local card and the transaction went thru. I have the receipt that shows that I used a local XXXX card ( XXXX Debit Card  ) to pay for the merchandise. 
After returning to United States, I filed a claim for the three charges. I was told to send in docs that show that I paid for the merchandize with a different card, which I did. I waited to find out their result. They contacted me a few days after to tell me that I needed to show proof that I got charged three times on their card because their fraud department does not have access to their own card records. I provided that along with all the evidence again and a letter to tell them exactly what happened. 
Citi still decided to settle the charges in the favor of the merchant even though there is plenty of evidence that the merchant was paid in a different way. 
I would like to file a complaint against Citi and its fraud department. They are not being an advocate of the client and not doing their due diligence to stop fraud on their customers. I would like to get my three charges reversed and Citi to have better training in their fraud department to avoid this type of poor client experience.

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 2018-01-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My former employer provided health benefits with an HSA account that they setup with a local bank in XXXX, Fifth Third Bank. I tried to close the account and they said that they were going to charge me a fee and in addition, they have been charging me a monthly fee on a deposit account with no activity for years now. I have ignored the problem in large part because of the inconvenience but they have now drained more than half of the assets from the account, have constantly cancelled debit cards or not provided a way for me to access my funds and still insist on charging me a $XXXX fee simply to retrieve my own money and close the account (which is less than half of what it originally was due to service fees). When I call they have absolutely no regard for this problem and insist that these were part of the terms of my account. I did not chose the financial institution because it was an employer supplied HSA plan. I am extremely frustrated and out hundreds of dollars in fees on an account I did not use and have basically left as a deposit for them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$45000.00}.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$23000.00} XX/XX/XXXXXXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letters regarding the inaccurate and unverified items on my credit to this date XX/XX/2021 I have yet to receive any response. I feel like I am being taken advantage of an being ignored about my disputes. Section 611A it is clearly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been well over 60 days I demand those items are removed from my credit report immediately. Or I will be forced to file for litigation due to the stress you have caused me my information was also impacted by the equifaxs data breach an may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-06-08
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I opened a checking account with XXXX and on XX/XX/XXXX, I placed an order for a checkbook associated with my checking account and received it from XXXX. Also, XXXX has charged me {$22.00} for this service. All good till now. 

Subsequently, on XX/XX/XXXX, I issued a check ( for amount less than available balance ) from my checking account ending in XXXX. The check was initially paid on XX/XX/XXXX ( attach : bank transaction and check copy ). However, the payment was later reversed on XX/XX/XXXX. 

The reason provided by XXXX for the reversal was that they do not possess my identifiable information necessary to clear the check. I was directed to provide copies of my Driver 's License, Address Proofs, Signature, and other documents. 

My concern arises from the fact that XXXX, as a bank operating in the United States, has facilitated the transfer of substantial amounts ( > {$25000.00} ) of money ( USD ) to a foreign country without requesting the aforementioned details. However, for the clearance of a domestic check, XXXX has deemed these identification documents necessary. 

This oversight by XXXX has had a detrimental impact on my life, causing significant pain, stress, physical and mental anguish, and monetary loss. Unfortunately, this mistake has disrupted my plans to purchase a car, which involved considerable personal effort and financial arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I opened a savings account via PentagonFCU website on XXXXThen via phone call, a Checking, Line of credit, and XXXX  with Pentagon Federal Credit Union on XX/XX/21. During that call they needed to run credit for the XXXX  and the XXXX. I asked if this was going to be 1 inquiry and was told yes. In seconds the credit was pulled and no issues. XXXX  was approved instantly as was the XXXX. I was opening all of this because they advertised a very low interest fixed rate XXXX on their web. My score is in the XXXX 's with 1 inquiry that was dropping off in XXXX With my score high and almost no debt, expected the good rate. On that same call, they came back with an outrageous rate around 15 % for the XXXX. I cancel the XXXX  application and initiated the termination of all accounts. I was going to switch credit unions but felt offended, bait & switched by them and their interest rate. A few weeks later I checked my credit report and find that they have dinged my credit twice, once for the XXXX and once for the XXXX. I called them and filed a dispute, telling them that I was told only one inquiry would take place during that initial call. The dispute has taken over 90 days. I have called multiple times and seem to get nowhere. I even told them I'm ok with one inquiry but they need to remove one. I've been told in XXXX, via a call into Customer service that the sent a letter to me with resolution but I never got it. I called back to get another sent but still no letter. These now are the only XXXX inquiries I have and would like 1 removed. I don't understand how they could ding me twice for the same institution, on the same call. They should have centralized credit instead of each department pulling credit needlessly.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm in the process of buying a home and I realized I had damages on my credit report According to the 15 U.S. Code 1681 there should not be any damages on my credit report it's a defamation to my character. " I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX {$23000.00}

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 2018-03-07
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked OCWEN mortgage company several times to give me a cumulative statement of what they have charged me to get my tax bill sent to them from XXXX XXXX. They tell me " send us the original bill. If you do not send it, we will get the bill ourselves directly from XXXX XXXX and then charge you no less than {$6.00}. ". When I spoke to XXXX XXXX, they tell me that OCWEN is already paying the bill so 1. why do they need to bother me for it? 2. how can they charge me for this? My bill is already escrowed. When I spoke to the XXXX XXXX, they tell me that OCWEN should not be charging me for this. I believe that OCWEN is either A. getting charged by XXXX XXXX {$5.00} which they then pass to the customer making a profit of no less than {$1.00} or B. they are not getting charged anything from XXXX XXXX ( most major mortgage companies do not get charged by XXXX XXXX because of some sort of arrangement ) and are thus profiting no less than {$6.00} from the customer 'pretending ' that they are passing on the cost of getting the tax statement from XXXX XXXX XXXX I have contacted the Ombudsman office about 10 times now about getting a cumulative statement from them to see how long they have been pulling this XXXX and ALL IS SILENT. I am entitled to this statement and entitled to getting my money back from all the tax bills they have been getting from XXXX XXXX then passing the cost on to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
I am requesting again in regard to the inaccurate and unknown inquiries on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately : XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-07-29
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had noticed that my credit had been hit with a hard inquiry that I have never heard of called, XXXX on XX/XX/2018. I tried to call the office number provided and I have not been able to reach anyone. Upon research I found that this company has hit many others credit and I would like this removed. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Both companies, XXXX and Experian, are now trying their best to hide the fact you can get a one-time security freeze. Freezing your account now requires a paid premium monthly membership to freeze your credit report.This is not true, but I was specifically told by a XXXX that this was the case. Going to their website, you are now unable to find out where and/or how to freeze your security without the premium monthly membership. I feel this is nothing more than an attempt to increase sales after the major XXXX breach, taking advantage of people like me who had their credit compromised due to the breach. Both company 's phone systems are obfuscating a one-time credit freeze as well.

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 2022-01-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a loan in XXXX with XXXX XXXX for a vehicle. The vehicle was charged off in XXXX of XXXX. Then, in XXXX and XXXX of XXXX, the bank, not myself, re-opened the credit line and reset the timeline for negative information on my credit report. I have filed several disputes trying to have this information corrected and it was denied every time ( it was stated that this was accurate ). I have done nothing to re-age the debt, I have made no partial or full payments on this debt, and was not current in XXXX at any point in time. The last payment was in XXXX, and XXXX XXXX illegally re-aged this debt.

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 2018-10-04
Company: BB&T CORPORATION
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:
From XX/XX/2018 to present i have ben contacting the 3 cr to fix my credit.after many none validation letters from them all, i have this proof that i will provide that the information that is being reported is not accurate. many times it has been modified ( so that should not happen anymore only delete of this item will be just.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: TX
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 wrote a dispute letter to Experian stating that they were reporting an account accurately that I saw on my credit report. I knew that I have never seen this account before and it was only reporting on Experian and not reporting on any other bureau. I sent a request to XXXX XXXX XXXX to verify and validate this account. 

Upon looking at the correspondence received ( attached ) this account belongs to someone named XXXX XXXX XXXX under social security number XXXX XXXX XXXX XXXX SER : Account number : XXXX, This account is not mine. 
I doesn't even appear to be reporting the correct account number either according to this paperwork they sent. I find it quite odd that the letterhead contained no account number, dates, or point of reference either. 

My name is XXXX XXXX and my social security number ends in XXXX. 

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I have also provided you with copies of my social, current and past address and license. 

A copy of My ID, Social Security Card and Proof of Address are Attached along with the Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: AMERIS BANCORP
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a loan in XXXX with Ameris Bank for a vehicle. The vehicle was charged off in XXXX of XXXX. Then, in XXXX and XXXX of XXXX, the bank, not myself, re-opened the credit line and reset the timeline for negative information on my credit report. I have filed several disputes trying to have this information corrected and it was denied every time ( it was stated that this was accurate ). I have done nothing to re-age the debt, I have made no partial or full payments on this debt, and was not current in XXXX at any point in time. The last payment was in XXXX, and Ameris Bank illegally re-aged this debt.

Company response to consumer: Closed with explanation