BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a promotional mailing offering {$700.00} bonus for new-to-citibank customers to open an account Of {$50000.00}. You had to deposit {$50000.00} within 30 days. Maintain combined balance for 60 days. Cash bonus to be credited within 90 days. 
I deposited {$1000.00} to checking & {$49000.00} to savings on XX/XX/XXXX. I have not touched money since that point. On XX/XX/XXXX I received {$100.00} promotional rewards credit for referring a person to open an account. 
As of this date I still have not received my {$700.00} initial bonus, XX/XX/XXXX. 
I made a call & spoke to XXXX XXXX on ~XX/XX/XXXX. She assured me it would be credited. 
I went in to XXXX XXXX NY office on XX/XX/XXXX & saw XXXX. She said back office is reviewing & would be resolved. I called XXXX again on XX/XX/XXXX. The {$700.00} has still not been credited. She said her branch office manager XXXX would contact back office & get back to me. 
I have not received a follow up call as of yet.

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 2023-01-19
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX : {$10000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capitol one and XXXX XXXX calling me on a conference call asking me why I removed a payment that I paid for my landlord and I told them that XXXX told me the service was not coneccted then I was told that my social security number was found on the dark web and then that weekend at the beginning of last year droped XXXX pints runing my credit also my bank card pin was the numbers that he got from walmart and I would have to tell you what they were on the phone or somthing and other suspicious numbers that I have noticed plaese help I am about to loose my business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Peoples Commerce Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I didnt not authorize this loan and when I tried to contact the company drive here is closed down and turn into XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: VA
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 we were turned down by XXXX XXXX XXXX XXXX after trying to open an IRA account with them. One of the reasons we were turned down was " AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH ''. 

Equifax was designated as the source of this information. I pulled my Equifax credit report and found that it had identical " High Credit '' amounts listed month after month that were wildly inflated on two different revolving accounts. I contacted both creditors and asked about the information they had supplied to Equifax and the numbers they related to me had no correspondence with what Equifax reported. I opened a dispute with Equifax by phone ( their website is ALWAYS down ). 

On XX/XX/2020, I received an email from Equifax stating that my credit report dispute had been resolved. Again the website was down. I called the number on the screen and an automated voice said that " one of your five issues was changed. '' I eventually got through to a customer service person who was only capable of apologizing and offering to start a new dispute. As it turns out, nothing whatsoever had been corrected even though both my credit cards said that they had sent them fresh correct data. 

The fact that I had the same incorrect ( and physically impossible ) data reported from two unrelated creditors makes me certain that the error is in Equifaxe 's computer systems. Their customer service reps refuse to acknowledge any problem on Equifaxe 's part and blames the two separate, unrelated creditors for the exact same error on two different accounts. 

The fact that Equifax will not acknowledge a problem in their computer systems means that they have no intention of even trying to fix the problem. Their standard solution is : 1. Put in a dispute. 
2. Do nothing, but report the dispute as resolved. 
3. Tell the consumer to submit another dispute I am in the slow process of getting printed documentation to send to an address that the customer service rep told me was the executive office of Equifax, but I doubt if it will accomplish anything. In the meantime, I am unable to open an IRA, out of fear of rejection due to Equifax 's misreporting of my financial situation. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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:
I enrolled in the XXXX and XXXX. Degree at XXXX  XXXX University Online in XXXX thru XXXX. I was promised by the school that I would be promised a job in my field if I chose to enroll in their programs. I completed my degree programs and the school did not provide any job opportunities in my field of study like they promised. Subsequently, I obtained a substantial amount of student loan debt. 

Not many months later XXXX  XXXX University Online and some other schools were defendants in a class action lawsuit filed by students who were promised job opportunities once degree programs were finished. These practices were illegal and all students who went to these schools their student loans were forgiven. 

My degree program was XXXX XXXX with a concentration in XXXX XXXX. 

The Department of Education continues to show I owe student loans and it is affecting my credit score. Apparently they are unaware of the developments of the class action lawsuit of XXXX  XXXX University Online. 

The Borrower 's Defense team is aware of the situation ; however, my credit score is affected dramatically, Borrower 's Defense is looking into the matter 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 2020-07-29
Company: CCS Financial Services, 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 recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a XXXX transaction from my XXXXXXXX XXXX account on XX/XX/2020 to my joint Huntington account that was to process on XX/XX/2020 for {$300.00}. The funds showed available in my Huntington account on XX/XX/2020, and after midnight on the day of XX/XX/2020 I made a transaction reliant on this information that I had an available balance that included those funds. Later on XX/XX/2020 the XXXX transaction completely disappeared from the online account, my available balance was reduced, and my account was overdrawn. 

Customer service explained that this was a " standard '' transaction instead of an instant transaction and that it may take days to process. What was showing in my account was a memo. The funds were not actually available, despite the transaction showing in my account history and in my available funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX 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 2023-03-09
Company: CITIBANK, N.A.
State: CA
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:
I checked my credit report and I see this account reporting erroneous information and unverifiable. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 I received a text message from XXXX ( XXXX ) XXXX that said a charge on my BECU card, made in Alaska, needed to be authorized. It included a link for responding. Which, unfortunately, I clicked on. It asked me to log into online banking. 

I ended up giving my birthdate, ss #, phone. Then the site said I'd need to call customer service to complete the transaction successfully so I called and spoke to a person named XXXX who asked for my address and mothers maiden name. When I went to the branch they said the phone call was probably also a scammer. They said I should take my phone in to the service provider or manufacturer because the link probably put malware on my phone! 

Since this morning I've been trying to address all the places this could hurt me. My other credit card, my other banking situations, etc. A a screenshot of the text is included below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was told my credit card was closed as Capital One has observed activity on one or more of my personal accounts that is inconsistent with a typical consumer account usage? 

So they cancelled the card for no reason and it negatively effected my credit score and never gave me a real reason, which I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I recently transferred my federal direct student loans to fed loans from XXXX XXXX. I submitted the paper work in mid XXXX XXXX and it was received by Fed loans prior to the end of XXXX. It is currently mid-late XXXX XXXX and Fed Loans is STILL unable to tell me how many successful payments I have made towards PSLF. When I asked them how long until they would be able to calculate the amount of payments I have made towards loan forgiveness ( presumably a process of SIMPLE COUNTING TO TWENTY-SOMETHING ), they informed me today that it will take another 3 months. 

I need this information in order to maybe irreversible and significant decisions very soon. It is absurd that it has taken them 2 months already and may take an additional 3 months to take a basic tally of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
EQUIFAX HAS DELETED MY CONSUMER ACCOUNT AFTER NOTICE OF THE VIOLATIONS TO MY CONSUMER FRAUD INFORMATION BY EQUIFAX. EQUIFAX IS CONTINUING TO DISABLE MY ACCOUNT IN RETALIATION TO SUBMISSION OF COMPLAINTS AND NO ENFORCEMENT OR ACCOUNTABILITY IS BEING ENFORCED BY CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: IL
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account XXXX ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX Bank dated XXXX. XXXX, 2022. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2017-12-20
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I received a bill from XXXX XXXX- a credit card I never opened. The bill was for {$3100.00}. I called to complain that this was not me and I did not order this merchandise. It appeared to be an on line order. I reported this as fraud and TD Bank sent me a claim form asking for ALL of my personal info. Of course I did not send this to them. I called and said I would not send them my info and to cancel this account as fraud. XXXX XXXX the fraud and risk specialist said they did n't need it and just send in a signed paper that this was not my account. I asked why they asked for it if they did not need it. VERY SUSPICIOUS!!!!!! I believe TD Bank is a scam and would like to report them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Looked at my report and seen inquires that does not belong to me. Please remove them before I contact my attorney.

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 2021-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got XXXX XX/XX/XXXX of 2020 I was released XX/XX/2020 for traffic tickets, as I was XXXX my information got stolen with my PIN number ID social security card and numerous of other things, when I was released XX/XX/2020 I called Wells Fargo they did it investigation and came back and said that I had something to do with it Huh?? When I was incarcerated at the time so in the midst of that I had insurance checks coming into my bank account direct deposit {$500.00} {$10000.00} {$1000.00} check that would come so one for {$500.00} went into my account and they told me that they're keeping the {$500.00} and there's nothing that i can do about it, I couldn't believe my ears and what I'm hearing.. They closed my {$500.00} secured credit card account as well as my checking and saving account and I don't think it's fair because I had nothing to do with this matter that occurred while I was XXXX so I need to know how do I go about this and take full legal action. My credit score is screwed all up I can't open up a bank account nowhere I'm stressed and feel emotionally discomfort and most of all confused and even hurt behind this allegation that put against me which is a lie..

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 2021-01-23
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my condo in XXXX and since then I have refinanced multiple times. During all my refinances I have never been required to purchase XXXX insurance. In XX/XX/XXXX, when a loan broker approached me for a refinance I informed them that I do not have XXXX insurance nor would I be purchasing it. They didn't seem to mind and indicated that they would go through the underwriting process and shop my loan. My loan closed in XX/XX/XXXX and since then the Mortgage Company has been harassing me to purchase XXXX insurance. I told them that from the beginning I told the broker I did not have such insurance nor would I purchase it. In XX/XX/XXXX, the Mortgage Company force placed the insurance and is now trying to collect payment from me. This is unbelievable since I let all parties involved from the beginning that I would not be purchasing it. I need this harassment to stop and to cancel the forceplaced insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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