BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Follow up with a previous complaint : Complaint Number XXXX Citibank STILL have not send any of my loan of XXXX to the Small Business Admin based on a letter written on XX/XX/XXXX. Account ending in XXXX Citi XXXX XXXX : XXXX " Any funds that are deemed owed to you will be sent in the form of an official check to the address on file. Small Business Administration ( SBA ) funds have been secured and will be returned to the SBA. If you wish to contact the SBA, they can be reached at XXXX ( TTY XXXX ). We apologize for any inconvenience that this may cause you. '' After calling Citi Executive Response Team : Citibank stated SBA need to work with their internal financial institution who credited this amount and ask them to " recall '' this amount, when the SBA does not do that on the lender 's behalf. Based on that XXXX letter SBA funds are " secured '' and " will be returned '' but there is " no time frame '' given and it's unclear when they will send back this money. This is utterly frustrating as a former customer and this need to be rectify. The amount of time they are keeping this money is absurd and have been cruel to our business as this loan is going to be utilized due to the the economic injury we are going through. Hence the SBA loan title. We need HELP and since XX/XX/XXXX of XXXX this loan has not be used and we are getting XXXX! It's XX/XX/XXXX. Citibank have conduct the ugliest business relationship anyone could have after 15 years of loyal customer relationship. What else do we need to do?!?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 checked my credit report and and realized it was some unauthorized inquiries on my credit report in which I would like removed Unauthorized inquiry 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 explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 multiple inquiries within the past year that someone is applying for a car loan I did not authorize or in the market for getting a car loan. I recently contacted the credit bureaus in regards & was told that they can not be removed I have to wait 2 years for them to fall off my report Trans union 34 inquiries XXXX XXXX inquiries XXXX XXXX inquiries I have requested for old addresses be removed ignored as well as collection companies that fraudulent & they have been ignored I have called, wrote letters & nobody is doing anything they are reporting 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 2023-08-04
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
i contacted CMRE Finance by phone on XX/XX/2019. I submitted a letter of insurance coverage from my insurance provided as requested. I contacted the original creditor directly as falsely reported on my credit report, The City of XXXX XXXX. The alleged original creditor does not have any information on me. I contacted them back on XX/XX/XXXX requesting information on the original creditor which CMRE refuse to give me and ask to amend the false information, which the CMRE has neglected to do. On XX/XX/XXXX I sent them a letter of validation of debt and they haven't responded. On XX/XX/XXXX, I sent them a second letter to which the have no responded. They still falsely reporting information to the credit bureaus. Additionally I have submitted disputes of information to the credit bureaus XXXX, XXXX and XXXX. These disputes have come with a no change to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank locks me out of my account for putting in proper login information and password. When there website continues to crash and not accept the login token because its not compatible with XXXX or XXXX. When you get sent the sms text the web browser crashes. Then I repeated this three times and the website kept crashing When thru the website reset process. It required me to login, put the account password, enter my social security number and then my debit card number and pin number. The website had all the correct information and i am still being locked out by the M and T Bank. 

When I called customer service. I got a rude male representative who was not willing to go thru the steps to unlock my account and demanded to have some sort of power control over me. By accusing me of things that where not true. Then he wanted me to acknowledge him in a power control way and when I repeated to him are you going to help me unlock my account or not her refused several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid the derogatory account in full. {$73.00} to be exact. The company acknowledged the payment on my credit report however, it still showed as a derogatory account on my credit report. XX/XX/XXXX I disputed the info and it was removed 2 weeks later. 

Now XX/XX/XXXX they have reinserted the information to my credit report still showing derogatory. This is illegal and needs to be removed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian stated the XXXX XXXX XXXX XXXX XXXX listed on my Experian Credit Report was properly investigated but this is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been calling Carmax Auto FinanXXXX for the past 6 months requesting a payment deferment due to contracting XXXX in XX/XX/2021 which left me in critical but stable condition 4 months due to my XXXX  XXXX and XXXX  XXXX XXXX. Then I contracted XXXX again in XXXX. I have requested more than once for Carmax to provide me at least a 3-month deferment to allow me the opportunity to catch up my payments but they keep stating that they don't offer any COVID relief options. I spoke to one representative that told me if I pay the 2 months past due that they may be able to defer one payment. So, I used my utility funds to make the two payments and then I called and spoke to a different representative, and we went through the processing of deferring the payment but the next month, Carmax still reported my payment as past due. Now, they are showing 3 past due payments on my credit report and harassing me with phone calls 4 or 5 times a day. It is ridiculous when I already explained that I need to defer some payments so that I can catch up. If I had {$780.00}. There is no point in them harassing me throughout the day with phone calls when they have been told more than once that I don't have the funds at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
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:
In accordance with the fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX SERV # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  BANK # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: IL
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL 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 2019-12-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Friday XX/XX/XXXX, I went into A 5/3 Branch inXXXX XXXX, XXXX, OH and attempted to get a chashiers check to refund a vehicle purchase that didnt go through to a customer. While waiting for this transaction to happen for 30-40 mins I was approched by security, 2 different staff members and then the manager. The manager gave me the 5th degree and then issued the cashiers check to me. After the cashiers check was given the Assistant Vice President XXXX XXXX XXXX called the fraud department and froze my account. I have called and left messages and no one had responded to me messages. It has been 12 days, no one sigle communication. They have frozen my business account and I am having a difficult time making payroll. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX I mailed a POA form for my mother 's IRA account at OneWest Bank. They are owned by CIT bank. I also sent the same POA to CIT bank and numerous other FIs. CIT made the change to acknowledge the POA as did the other FIs. 

One West Bank sent a letter to the address I asked the account to be changed to via the POA stating they could not do that because I did not complete their POA form. However, the legal POA form I provided contains all of the same elements and a notary certification. My mother, who has XXXX  and is XXXX, should not be required to complete another POA simply for their convenience on the form. Today ( XX/XX/21 ) I spent 45 minutes on the phone with the One West representative and the supervisor asking for an accommodation. They informed me that only their form can be provided and they could not authorize an accommodation nor would they escalate to someone who would. It is in the middle of COVID pandemic, and it is extremely difficult to expose my mother during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received a notice from a collection agency that I owe {$800.00} for delinquent payment to XXXX XXXX XXXX. I called the number to talk to someone and told the person I never had an account in my name ever in my life. He asked if I had ever lived at another address and I told him I had lived at this address for the past 20 years. He gave me instruction to send proof that I lived at this address for years and I will go to the post office and I hope that will help. I also called XXXX XXXX and explained the situation and was told that they would enter the case as fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: WI
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX  Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXXXXXX XXXX  Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX Account Number XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: MARINER FINANCE, LLC
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 am a victim of Identity Theft. I am requesting that companies remove and block these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion is the only Bureau to fix this, XXXX  and XXXX are unable to. I had a XXXX account from XX/XX/XXXX to XX/XX/XXXX, this was closed due to divorce and foreclosure. Since XX/XX/XXXX my debt has been sold twice and re-aged both times. The Current holder is Transworld Systems Inc located in XXXX XXXX, PA. They have my account listed as OPENED in XX/XX/XXXX. This is an illegal reporting under FCRA but with all of my complaints TSI said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit with two payroll checks and one of them cleared, but the other one didnt I called them and they told me that there was an issue with the check and had me call my employer which told me that the check had cleared their bank and that its Wells Fargo that is delaying my deposit. I have called them several times and they told me they cant release the funds until next week and I just have to wait, this has been an ongoing issue with Wells Fargo 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 2023-04-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I authorized a {$500.00} transfer from XXXX to Wells Fargo to open a checking account. XXXX sent the money on XX/XX/2023. A bank statement reflects the transaction. Wells Fargo denies receiving the money and closed the account without returning the {$500.00}. At one point a Wells Fargo bank teller told me the money was there, but the account was locked. Days later, customer service said the money was never there and the account had been closed.

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