BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX : Opened Citibank checking account after getting an offer for {$700.00} if I deposit $ XXXX and leave it there for at least XXXX mo XX/XX/XXXX Call to close my account. I ask agent if it's possible to get my funds electronically, he says no, it's sent by mail. Account is closed. 
XX/XX/XXXX : Call to inquire where my money is. They say it can take XXXX days. 
XX/XX/XXXX : I call back, give up after ridiculously long hold times. 
XX/XX/XXXX : I call back, it's escalated to Manager XXXX, who says, " XXXX business days '' so I should have it by XX/XX/XXXX. He promises to call me at noon on XX/XX/XXXX. I get no call. 
XXXX : I call Citi to complain again. Supervisor tell me it takes XXXX business days plus XXXX more business days for USPS to get it to me. I ask what happens if I still don't have it. He tells me the only option is the start the XXXX process all over again. I ask him to escalate to someone who can either transfer it to me electronically or at least mail it with postal tracking. He says it's not possible. 

I feel I have no recourse. They continue to earn interest on my money and there's no guarantee as to when I'll ever get my money back.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
XXXX and Transunion are reporting incorrectly that I am an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank who runs the credit cards for XXXX  XXXX XXXX is engaging in highly questionable credit practices. 

My wife and I opened a XXXX XXXX XXXX  account in XX/XX/XXXX, the initial credit line was {$3000.00}. Within 90 days, Synchrony lowered the credit limit on this account by {$500.00}. All of our payments were on time or paid early. When I asked the representative why it was lowered, I was told my wife and I were 'high risk creditors '. 

It is now XX/XX/XXXX, as my wife and I sit here watching tv I get an alert that one of my credit files was updated. I logged in to XXXX  and found out that Synchrony closed our account. Closed an account within 7 days of receiving a large payment. We didn't ask for this account to be closed, in fact we were paying the balance down to prepare for purchasing a house. And now this account is closed. We wouldn't close the account when we were told specifically not to by a mortgage broker. 

After looking online, it has come to my attention that Synchrony is doing this to people all across the country.

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 2020-09-08
Company: GB Collects, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from GB Collect on behalf of XXXX. I called them and requested proof of the underlying debt as I didn't know what it was for. After several requests, I finally received it. on XX/XX/2020, I sent them proof via email and fax that I had other health insurance in place and was not covered by XXXX at the time ( see attached ). I received NO response to that email and fax. On XX/XX/2020, I once again received a collection notice ( see attached ). On XX/XX/2020, I resent them the proof and demanded that they stop contacting me ( see attached ). 

Despite these requests and proof, I once again have received the same collection notice 2 weeks ago. I want them to stop harassing me and send me a confirmation that i do not owe them anything.

How are they allowed to keep bothering me and just avoiding the fact that i provided proof that i had insurance coverage through my employer? They haven't even responded to the proof. Please make  them stop asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items are reporting on my credit file incorrectly and there are some items that do not belong to me : The following that is incorrect are : 1. XXXX - This account is showing inaccurate late for XX/XX/XXXX - XX/XX/XXXX ; please provide me with proof of these inaccurate reportings are correct. 

2. XXXX  XXXX - This account is showing inaccurate late for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

3. XXXX - This account is showing inaccurate late for XXXX & XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

4. Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts does not belong to me. This is not my accounts : 1. XXXX  - This is not my account ; I never opened this account. 

2. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$0.00} 3. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$4200.00}

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 2021-07-04
Company: Experian Information Solutions Inc.
State: VA
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:
Previous request was closed as duplicate!!! It was not resolved!!!! THIS DEBT DOES NOT BELONG TO ME! XXXX reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX  and XXXX  now refuse to delete from my experian credit report account!

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 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I disputed with the XXXX  and with the creditors the referred accounts, and requested proof of consumer contract and proof of payment history as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Capital One Bank NA responded to my request that they were not able to send proof. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have disputed these accounts with XXXX  and they always respond that the creditors " VERIFIED '' the account. I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF THE LATE PAYMENTS. NO PROOF IS EVER PRESENTED. 

THEY ALWAYS RESPOND TO MY DISPUTES WITH " ACCOUNT WAS VERIFIED. '' I DEMAND TO SEE PROOF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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:
I uploaded a letter to Experian, XXXX and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX  does not have any files to verify these accounts, nor will they delete it.

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 2020-06-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent XXXX copies of my Driver Licences and social security card, I am not sure why they won't remove the wrong name on my account, This is terrible that I even have to go through any of this. I don't care what anyone else have reported to them. it's not the correct spelling of my name, and I want it 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 2021-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
YOUR COMPLAINT This company has been reporting negatively on my credit report since XXXX. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response. I currently have an open complaint with CFPB but the company is claiming not to know me. The address attached is my address and my name prior to marriage in XXXX was XXXX. Please send me a contract that I supposedly had with you or remove from my credit report. I keep disputing requesting documentation and your company is failing to do so. This debt does not belong to me and I need proof as to why you say it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have rope credit increase letters asking to please remove the increase

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 2018-09-30
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The was saying I have a balance of XXXX to XXXX. I have no idea about this account. I have not used XXXX XXXX over 2 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information

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 2018-09-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I was suppose to have funds transferrd from XXXX XXXX XXXX via XXXX. To another XXXX account. Instead they transfered to my closed account at U.S. Bank. This account was closed XX/XX/2018. Then U.S bank notified me via email that the funds were deposited to my account. How is this if it is closed? We have been going back and forth with XXXX and XXXX XXXX XXXX. No one will help. XXXX says it is the bank. U.S. Bank said if account was closed it would be returned. Still not returned to original account. XXXX XXXX XXXX says wait 15 days then wait 45 days. NOW XXXX XXXX XXXX says they can not help us. Says XXXX fine print says too bad not responsible. The Banks force us to use XXXX. YET THEY DON'T PROTECT US! 
The monies were XX/XX/XXXX Was deposited to U.S. Bank for XXXX XX/XX/XXXX " XXXX XX/XX/XXXX " XXXX One XXXX payment made it to my XX/XX/XXXX account on XX/XX/XXXX These went to U.S Bank because the email was the same on XXXX. We were trying to figure out how to send to XXXX. Several attemps failed. Called XXXX after all this then they tell me I had to delete my account on XXXX and re-enter. No where on its site does it say this. And it is not that easy to find on XXXX XXXX was also unaware of this. 
This does not solve the problem of where is the money??? 
As of right now no one can tell me where the funds went. I was told too bad you used XXXX. HOW CAN THIS BE? Someone has my money. This was somone trying to pay their rent to me. 
I tried calling U.S. Bank and Iget switched to wrong departments.

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 2020-11-23
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: Their investigation did not fix an error on your report

Complaint:
I uploaded a letter to XXXX, Equifax and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 canceled a subscription with a internet company called XXXX. A charge was made on my capital one spark business card. I tried to get the charge reversed through Capital One. They asked me to upload proof. I submitted emails from XXXX stating that they have received my subscription cancellation. Capital One refused to reverse the charge and sent me a letter on XX/XX/2022 stating that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian:XXXX XXXX : XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-07
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I opened a BestBuy/Citi card in XX/XX/2019 to purchase an XXXX  at BestBuy. I had cash and the guy talked me into this Citi card. I was told I could make cash payments and Citi would credit my XXXX account first. I had 6 months to pay off the XXXX or interest charges would apply. 

I paid off the account in full before the XXXX due date and Citi XXXX  me around, XXXX  me around, XXXX me around. denied all reality ( just like the president! ) XXXX  me around and made up a XXXX late fee ... they reversed and sent me an email saying so. I've asked them to close my account multiple times and now they want to charge me interest on the late fee they invented two   months ago and reversed. I made a payment when some bully XXXX customer service person insisted my payment be applied to the previous month ... the conversation became so nonsensical I felt XXXX. I mean it, XXXX is the right word for these XXXX. 

I want this account closed. I owe NO late fee and they are making up pure XXXX. This account is paid in full. In XXXX I owed a balance of {$170.00}. for work on my car. I transferred that full balance to XXXX   XXXX  so I would be completely DONE with the XXXX known as Citi ... but they won't close my account, re-invented the late fee after crediting my account properly, and demanding payment like it's legit. It's NOT legit. 

Honestly, Citi repeatedly makes it intentionally difficult to make payments, have those payments credited properly, and I don't have the time or energy to mess with them any more. They will hurt my credit and hurt me financially, like the pandemic hasn't done enough ... in XXXX my credit score was XXXX, now it's XXXX. XXXX the big banks for making life a nightmare for regular people. I'm not paying this made up late fee, extra interest and fees. I hate Citi and just want this account closed. I can not believe they're not doing this to thousands of people. 
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 monetary relief