BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
sent a letter on XX/XX/23 letting bank of america know they was violating my consumer rights. they sent me a letter back that had nothing to do with what i sent them. i will be uploading and keeping records of everything before taken the next steps to get remedy. 

Gramm-Leach-Bliley Act

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 2020-05-18
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Please refer to my prior Complaint ID # XXXX. 

To date, I received {$47.00} but Citibank still has not issued me the check for {$610.00} which they said they would do in response to my complaint ( please see their reply ). Their letter was dated XX/XX/2020 and I was supposed to allow 7-10 business days which has passed. I called on XX/XX/2020 and spoke with the supervisor who said she would inquire with the office which was supposed to issue the check and then she would give me follow-up call today regarding this matter but I have yet to hear from them. I requested on XX/XX/2020 that I should be paid interest on the funds I am still owed from Citibank since my CD matured on XX/XX/2020 and I still have not been paid the total money which I am owed, for a mistake that they made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSWORLD SYSTEMS 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: Account status incorrect

Complaint:
I contacted Transworld Systems Inc for an account that was in their office on XX/XX/2020 in the amount of {$920.00}, At that time I paid the account in full in the amount of {$920.00}. The representative that I spoke with XXXX XXXX stated that once the account is paid I will receive a paid in full leatter on XX/XX/2020 and the credit report will be updated on XX/XX/2020 in which this account would be Deleted from my credit file. The account is still showing on my credit report. The balance is {$0.00} but, the account should not be showing on my credit file. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AZ
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
ON GOING HABITUAL LIES AND MISREPRESENTATION OF COVID 19 RELEIF DEFERMENTS AND ADDITIONAL LOAN MANAGEMENT ASSISTANCE MISREPRESE3NTATION. PER DOCUMENT REPLY PACKET PROVIDED IN RESPONSE FROM WELLS FARGO : DATED XXXX XXXX, 2020. SAID DOCUMENT, REPORTS REPEATED VERBIAGE MISREPRESNTATION - LIES WITHOUT PROOF. OF " SAID REQUEST. '' WELLS FARGO EXPRESSLY REFUNDED PAYMENTS AND STATED THIS WAS " ADDITIONAL COVID 19 RELEF '' AND WAS ISSUES IN CONJUCTION WITH ROUND 2 OF DEFERMENT OF ADDITIONAL PAYMENTS TO ASSIST CUSTOMER DURING A DEVISTATING TIME IN OUR HISTORY. 

WELLS FARGO THEN RENIGED ON THEIR COMMITTMENT TO COVID 19 RELEIF. STATING CUSTOMER " REQUESTED '' AN OPTION. 

WE THE CUSTOMERS HAD NO IDEA THIS COVID 19 RELEIF REFUND WAS OFFERED UNTIL " WELLS FARGO REPRESENTATIVES PRESENTED OFFER '' AND REFUNDED. WE HAD NO REASON TO QUESTION - UNTIL WELLS FARGO BEGAN DEMANDING PAYMENTS 3 TIMES MONTHLY PAYMENT AGREEMENT. ADDITIONALLY, THE DATES STATED I, THE CUSTOMER, MADE THE REQUEST ARE IMPOSSIBLE CONSIDED I RECEIVED THE REFUND IN THE MAIL THE SAME DAY THEY STATED I MADE THE REQUEST-AGAIN THIS IS MISREPRESENTATION OF MY WORDS AS WELL AS THEIR OFFER TO ASSIST CUSTOMERS, WAS FOLLOWED BY DEMAND TO PAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
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: Public record information inaccurate

Complaint:
I use a company call XXXX XXXX for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I use a company call XXXX XXXX for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.

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 2020-10-15
Company: Consumer Adjustment Company Incorporated
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving notification on my credit report in XXXX, I noticed items on my credit report that did not belong to me. My credit report disclosed that the creditor XXXX was listed on my credit report. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Consumer Adjustment Co - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXXonsumer Adjustment Co states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Consumer Adjustment Co has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
in XX/XX/2018 I initiated a money transfer from XXXX to my personal bank account. *they were previously linked and had been for a while. on XX/XX/XXXX the money from my previously initiated transfer arrived in my bank account. Later that day at XXXX on the XX/XX/XXXX ( probably right after the money arrived in my account ) i received a text message from XXXX   with a verification code. At this time i was not trying to log into my XXXX and i knew my password. I did NOT request this verification code but somehow whomever requested this verification code gained access to my account ( even though the text was sent right to my personal phone that no one else has/had access to ). After this my bank account was completely hacked and compromised all starting with the breach from XXXX. My personal banking account was then linked to a paypal account and money was withdrawn. Also my email that was linked to my XXXX ( different email from any other app that was hacked ) was subsequently hacked. All of this has led to my identity being stolen and my social security completely stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. XXXX  claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.

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 2019-06-10
Company: Experian Information Solutions Inc.
State: IN
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:
Accounts that do not belong to me are being reported on my credit. I did not give anyone permission to open these accounts in my name. I have called Experian and told them in the past that these are not mine & I have no knowledge who opened them for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There is also 2 address listed that do not belong to me XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX, IL XXXX. My name is XXXX. XXXX & they are also showing that wrong as XXXX XXXX. There are inquries for things I never applied for XXXX, XXXX XXXX, XXXX XXXX. I have filed and also provided a police report as well as 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 non-monetary relief
Consumer complaint received 2018-07-15
Company: Bread Financial Holdings, 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 have contacted Commenity Bank on several occasions. There are several fraudulent accounts in my name from this company. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. I spoke to a representative several months back and told them these are not my accounts and neither myself or my spouse open these accounts. They have removed one of the accounts stating after there investigation this was not mine. They did not address or remove the other accounts. I told them I would press charges and fully cooperate if necessary. My wife and I received harassing phone call daily. Not only is this stressful but aggravating. They have reach to other family members to get in contact with me. These are not my accounts and want the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: Braviant Holdings, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My husband and I received a loan for XXXX on XX/XX/XXXX We have made 6 payments every two weeks for XXXX totaling XXXX. I called on XX/XX/XXXX to payoff loan and they asked for another XXXX to pay the loan off. I do not believe that they have applied any of my payments to the principal. They kept telling me that I still needed to pay for interest that was to paid throughout the original term of the loan. I advised them that I am paying them early so that does not apply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband and I recently opened a savings account with Citi bank. We called when we received notice that they were sending us ATM cards. We did not want ATM cards issued on this account. When I tried to effect this change I was told I wasn't on the account. My husband and I completed the application online together. My name was on the application. We requested a copy of the application. We were told they didn't have it on file and couldn't provide it! In addition to being transferred numerous times, being on hold for over an hour and being disconnected twice we were concerned about the business integrity so we elected to close the account. We had over {$200000.00} in the account. We were then told we could only withdraw {$50000.00} a day. Then we were told {$2000.00} a day. Then we were told {$10000.00} a day. The amount continued to change with each representative we spoke with and the fee to withdraw was {$25.00} per transfer. None of these conditions were disclosed to us when we opened the account. Putting aside the fact customer service is beyond incompetent there has to be regulations that require a financial institution to retain records such as account applications and I find it hard to believe that they can retain our funds for extended periods of time and charge us unfair fees to return our savings.

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 2020-01-21
Company: CITIBANK, N.A.
State: MI
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:
XX/XX/2019 I was charged twice for a meal at XXXX XXXX restaurant. 
Charge one - {$110.00} ( did not include tip ) Charge two - {$130.00} ( included tip ) I'm accepting the charge of {$130.00}. I'm not accepting the charge of {$110.00}. 

I disputed the charge with Citi and they have denied it several times. I did as Citi requested me to do, I contacted XXXX XXXX months ago several times. They stated each time verbally that they do not have record of a {$110.00} charge only {$130.00}. I have since requested them to put that in writing and will attach that to this dispute. 

I previously reached out the to CFPB case # XXXX-XXXX. Citi denied it. XXXX XXXX sent a letter with no email and the phone number that was provided was never answered and does not have a VM. I have included the documentation.

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 2020-05-26
Company: Square Inc
State: MI
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:
The company name as cash app I've been using them for a little while now and never had a problem until all of a sudden something happen with their system which made it seem like there is unusual activity on my card when I tried to resolve the issue by sending them everything that I needed that they needed they still have not responded if going on almost a week and a 1/2 and they have my money that was issued by unemployment for my bills and I can even use it and they're not trying at all the time to resolve anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The XX/XX/XXXX XXXX credit report about my credit states that I opened a capitol one card on XX/XX/XXXX. I did n't. My then husband, XXXX XXXX, opened this fraudulently. I learned of this in XX/XX/XXXX when I filled for divorce. I ended up getting a civil judgement against XXXX XXXX for that outstanding debt. I paid the capitol one debt in XX/XX/XXXX that had been sold to a debt collector, attorney XXXX XXXX XXXX. However, capitol one refuses to remove this from my credit report, showing this account as a charge off which is untrue. Capitol sold this outstanding debt to a debt collector. By the time I had thecivil matter settled in the courts, capitol one refused to allow me to pay the debt. Capitol one referred me  to the debt collector to resolve the matter, which I did. I need help correcting the credit report to reflect what actually happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Capital one has literially put some kind of rediculous hold on my funds of XXXX dollars for a week without reason or explaination. Along with that XXXX isnt doing anything as their banking customer to help come up with a solution. So between XXXX XXXX of dollar companies i have had no money available to me for over 6 days which literially immoral and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello friend, I am seller of XXXX, I am XXXX and by obligation charge by paypal, it turns out that a few days ago paypal limits my account and ask me, some proof and fractures, sent them and it took 5 days to respond, The result was that I can no longer do business with them, that is I closed the account I can not pay to ebay the commissions, XXXX sends me messages I can not take my money because they do not leave me, I have to wait 180 days, that is a lot I have family to feed, {$4000.00} lock, help me please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: FL
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:
In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of Equifax breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of Equifax breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that Equifax is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with Equifax and the glitch with XXXX  Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after Equifax XXXX   and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN CREDIT REPORTING AGENCY ... I HAVE A DISPUTE ON MY CREDIT REPORT ... AN ITEM IS OVER 7 YEARS 6 MONTHS outdated I advised must be deleted per FAIR CREDIT REPORTING ACT..per Experian file XXXX it remains on my credit file..i am being denied new credit and fair employment and housing because of the information on my credit report that is outdated and negative information. I want Experian to remove ALL outdated negative information in my credit file per the fair credit reporting act.

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