BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received two phone calls from XXXX XXXX XXXX, on on XX/XX/2020 and the second on XXXX/XXXX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for XXXX and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to CitiBank and specified amount. I have no mailed notification from this company.

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 2017-08-09
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:
From the month of XXXX, I have been contacting XXXX XXXX to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX  and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXX via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Great company no complaints aside from that listed herein which I chalk to a miscommunication and one off it happens Account minimums reset to XXXX durinf family tradgedy so I was informed multiple times by several different reps as you can see I have been a model customers for 8 years this occurred in 2015 no issues prior to or ever since I was advised to allow 30 days for correction and only recently found that this was not rectified I have never been 30 days late on anything in my life and I know what I was advised repeatedly XXXX and XX/XX/2015 were supposed to be reset to {$0.00} if we can not resolve amicably which I hope we can because I love XXXX XXXX with you and have zero issues otherwise please forward me your arbitrators points of contact Thank you very much for your time and attention with regards to this important concern for 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 2020-11-02
Company: Experian Information Solutions Inc.
State: NJ
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:
To whom it may concern i have a huge problem with experian. There is a lot of fraud on there. I have called these companies to try and understand how all this happened. I have a bunch of hard inquires which i will show you the pictures it says 11 hard pulls. I honestly have not made more than 2. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. all of these companies and any other companies shown in my picture is not accurate and not authorized by me. Had to be fraud. the only thing on there i know i got my credit ran by was XXXX is the only thing accurate that i can see in terms of hard pulls. Speaking of XXXX they gave me a late fee which they had said they would remove due to covid as i had been a 10+ year customer of there's. It has still yet to come of unsure as to why. i should only have 1 hard inquiry. 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 2018-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi chase bank has been keeping me waiting for deposit approvals of money, not allowing me to overdraft and even excessively long wait times for mail and account updates including adress changes phone numbers and processing of my money! 

They intentionally are extremely unfair to me and very mean. 
They wont stop fusterating me constantly. 

Ive told everything you can think of and no one can do anything about it. 

There lying about me and trying to make up stories so they can freeze my money and bankrupt me They have stranded me while I was traveling 2 or 3 times intentionally to make me react By keeping me with no money for days no food or water and no gas! Starving hungry in the desert! With no water because of chase!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with BB & T and despite having a condo Flood insurance policy, the mortgage company has been charging me flood insurance. 
Multiple calls confirming that I do have insurance have been unsuccessful. The last attempt on XX/XX/XXXX confirmed that I did indeed have insurance and I was promised a revised billing schedule and a retroactive credit and adjustment based on the fact that I had incurred unwarranted monthly charges starting in XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter stating that my last mortgage payment was short by {$150.00}. BB & T is not acting as normal lender but like a debt collection agency more interested in collecting insurance and late penalty than servicing their customer 's loan.

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 2017-09-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, XXXX I spoke with a representative from Chase Auto Finance and she offered me a deferment for the month of XXXX because my business fell upon hard times. We made an agreement to push my monthly payments from the XXXX of XXXX to the end of the loan. I 've requested Chase auto finance to review the phone call from the date of XXXX XXXX, and they submitted a request, and I requested the company to give me a call three times following the review, and I have n't heard anything back from them since. I 've already disputed the payment history with all 3 credit bureaus and have yet to get this issue resolved. On XXXX XXXX I went into the branch in XXXX Florida, at XXXX XXXX XXXX, XXXX XXXX, and made a payment of {$1000.00} dollars, and my monthly payment is only {$950.00} dollars. According to my contract my payment is not deemed late until after 30 calendar days. My payment due date was on XXXX XXXX, XXXX, and I made cash payment on XXXX XXXX, XXXX which was on the 30th calendar day. Which means credit report should n't have been reported late. If the company has moved my payment date to the end of the loan, my credit report should not have been reported late for the Month of XXXX and XXXX. This matter dropped my credit score significantly by more than 100 points and i would like this matter resolved, as it is my right as a citizen. I also made a payment of {$600.00} dollars on XXXX XXXX XXXX, and the law states that if a company receives a payment for the month of XXXX, XXXX within 30 days, the company Chase Auto Finance, can not report the payment late. I am asking that please change my credit report to be reflected immediately. 
My social security number is XXXX. My address is XXXX XXXX XXXX XXXX, XXXX fl, XXXX. My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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: Information belongs to someone else

Complaint:
From the month of XXXX, I have been contacting XXXX XXXX to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXXl via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making payments.

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 2020-09-04
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2020 i filled an online dispute # XXXX with Equifax that was incorrect please have it removed. I also filled an online dispute with XXXX # XXXX on XX/XX/2020 please have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: KEYCORP
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My mother died XX/XX/XXXX, and the death certificate was issued 2 weeks later. My sister, who is in XXXX, has been handling settling my mother 's estate. My sister and I are the sole living beneficiaries of a trust fund that was available to my mother during her lifetime. 

KeyBank, which handled the trust, helped my mother conduct a search for my brother, who had not been heard from in 20 years, in approximately XX/XX/XXXX. KeyBank recommended someone to help my mother and knew that this search found nothing. 

KeyBank is now claiming that they have no record of this search and/or this search was not done. It is obvious that KeyBank stands to benefit by this denial as they prolong the time that they maintain control of the trust so they can continue to charge fees and churn the account. There are no other complications, claims, or other impediments that prevent the disbursement of the funds from the trust to my sister and myself as stipulated in the original trust document. 

My mother trusted KeyBank so my sister and I have no independent documentation that this 'due diligence ' was previously done. KeyBank 's behavior is unethical and duplicitous. 

We want others to know that KeyBank is not an institution that is to be trusted or that will look after the best interests of their customers. We hope this agency can help my sister and myself in an appropriate and expeditious settlement of what should be an unremarkable transfer of funds. 

Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2021-09-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited XXXX at an ATM. Upon deposit it stated there could be a hold place on the deposit.. which is the statement for every deposit. Two days later I inquired about a hold. I was told there was a hold placed in the account because money was uncollectable, refer to maker. It was an insurance company for death claim. I asked about the check not being collected and was told that they never had such problem and stated they do business all the time with Wells Fargo and referred me back to the bank. The bank informed me that deposit wouldnt be made available until the XXXX of XXXX regardless of when the bank received the money. I was told to go see a branch manager to see if he can verify check and release funds.

Branch manager stated he could not and refer me to the ATM division of the bank. Spoke to someone who stated that the next time they present the check wouldnt be until the XXXX of XXXX. I asked why would you hold a check for 7 days w/o presenting it. Why are personal checks are handled differently. I was told thats what I agreed to. I unformed them that the ATM screen should show date check will be held if not released. I was told it was on my receipt but Im only getting the receipt AFTER the deposit. It seems that the bank arbitrarily holding funds w/o explanation. Even if they processed the check early I would still have to wait until the XXXX of 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 2020-09-10
Company: MoneyLion Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: MS
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 have a vehicle loan through XXXX XXXX. On XX/XX/XXXX, at XXXX, I was involved in a accident that totaled my vehicle. I was not at fault, a lady had ran a red light and hit me. My insurance company ( XXXX ), on XX/XX/XXXX, paid XXXX XXXX in the amount of {$7900.00}, which shows cleared status. XXXX XXXX  informed me that I still owed {$1700.00} ( and was sent to collections, even though I have not missed a payment and am in good standing ), which I made payment arrangements ( XX/XX/XXXX ) for {$100.00} a month. They offered me a payout of Little over {$800.00}, but I turned it down due to the negative impact it would have on my credit, I would rather pay it off. XXXX XXXX refuses to update my credit report and my online XXXX XXXX page to show accurate amount owed. They were paid {$7900.00} and I feel my credit should reflect that, they got a huge portion of there money and I am making payments on the remaining portion. By them not updating the correct info, it hurts my credit and makes it harder for me to purchase another vehicle ( which I need ). By updating my credit it would lower dept owed by more then {$7900.00} which to me is significant. I have call XXXX XXXX four times to try and get this issue fixed and they would not do it. I filed a dispute with Experian. After there investigation, they in formed me that XXXX XXXX stated that the info was correct and that I still owe over {$10000.00} dollars. what kind of an investigation is that, when they just accept the word of a company, that's not an investigation. Its not right that these company 's can do this to people. I have made all my payments, I made arrangement 's to pay off the remaining balance, which I have been true to the agreement. Buy updating my credit to show actual amount owed ( true amount ) that helps me to move on and help with getting another vehicle. Right now, my credit gets pulled and all they see is, I owe another company {$10000.00}, which is not true.

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 2018-03-02
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2018 I purchased ( XXXX XXXX ) from a website called XXXX and after not receiving my tracking number for the order after a day and half I called my bank to file a complaint concerning this issue. I order from online pretty frequently and Ive never waited over 24 hrs to receive a tracking number so it raised suspicion to me and so after going back to the website and calling the customer service number and me being forwarded to the voicemail 5 times I called my bank immediately to have the stop the payment. They told me NO wait until a week before I file a complaint or dispute but I keep urging and telling them this didnt seem right because again I order online all the time and Ive never had this issue with a seller before. I told them I wanted my money back because I tried to tell them that the website was fraud they kept telling me to wait and after three weeks they finally listened to me and started an investigation at this time Im disappointed and upset because thats {$99.00} Im out of and that couldve been stopped if they wouldve listened to me before. I want them to release my {$99.00} to my account. Ive tried calling several times to get it back they dont seem anxious enough about getting my money and is telling me that it could take 120 days Im not waiting that long then they told me I may not get my money at all but thats not fair because I called them in time enough to have it stopped they wouldnt listen. I told the Supervisor to check in XXXX when I called because they supposed to keep records and notes and recordings of every single call and that wasnt done. Im very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX, I received a letter of First National Bank mentioning that I have a credit card of XXXX $ on my name BUT I never contracted this transaction. So someone used my personal informations. The period of which this transaction was contracted, I was not even in the USA, I was in XXXX. I haven't signed up for this transaction. 

I called this bank, I asked them to block this card which never been in my possession. And then I did an offense report ( XX/XX/XXXX ) at police department.

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 2020-07-01
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES 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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are two of student loans on my credit file that I have been disputing since XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXand XXXXI was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report 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