BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: DISCOVER BANK
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 have been under an ongoing dispute about on going fraudulent charges by XXXX XXXX radio totaling {$200.00}! I contacted Discover on XX/XX/XXXX regarding suspicious activity on charges I did not recognize or authorize! From XXXX XXXX XXXX. I had been contacted by this company when I purchased my brand new car it came with this feature free! They called me XX/XX/XXXX to advise me my free feature was over and they would offer a discounted rate of a ONE time charge of {$35.00} for 6 months. I agreed and provided my Discover credit card number for only the {$35.00}. In XX/XX/XXXX I cancelled the service over phone, I declined said no did not listen to their radio stations and did not want to pay any more money. The XXXX phone operator continued to lower the rate to down {$15.00} lower from {$35.00} for 6 months to {$20.00} for another 6 months of air service; I hesitantly agreed ONE time charge! But XXXX XXXX fraudulently charged auto charges of monthly fees from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX fraudulently set up automatic on going ( monthly ) charges after the 6 months was over with out my authorization. I called XXXX from the phone number listed on the Discover Statement the operators that answer are from XXXX can not understand or speak XXXX ; I never received a letter or bill from XXXX XXXX Never! I demanded these charges be reversed I NEVER AUTHORIZED FOR MONTHLY CHARGES! I contacted Discover on XX/XX/XXXX to advise them of the unauthorized auto pay and dispute these charges! I was assured by XXXX in Disputes Dept. the matter was resolved i called multiple occasions over the phone in the month of XXXX, Never did I receive a letter or an update but I called Discover to follow up on my dispute. XX/XX/XXXX {$200.00} in reversal charges were charged back to my account by Discover I disputed these charges they are fraudulent! Discover disputes Dept is asking me to provide proof that I never authorized theses charges!? I asked Discover to provide me with the proof that I did authorize autopay! Because I would NEVER agree to a MONTHLY charge of {$20.00} when I had paid {$5.00} for 6 months ( {$35.00} one time charge ) on ( XX/XX/XXXX ) before! I never agreed on auto pay! Discover said my case is closed! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online checking and saving wiIth SunTrus bank in XX/XX/2020, then I used their APP to deposit a bank check issued to me by XXXX XXXX  with an amount of {$3400.00} ... ..within few days the the online account showed me that the check has been cashed and money was available to my use. 

2 week later I added an external bank through Suntrust and they verified that bank through depositing 2 small amounts to it .... 

I tried to transfer part of that money to the external account so I can have access to the funds since Suntrus never sent me a debit card to use even after i called them few times to do so.but instead they closed my account and removed my access to the account with no known reason to me, when I called them to investigate they said they would mail me info on why they closed the account, but they never didi. 

I called them 3 times to have them mail me a check of the funds that are still in the account, one time they said they would send it in a week, in another call they said tow weeks, and never did. I called them multiple times after that they started saying that the bank who issued those check that I have already deposited and appeared on my account as available funds put a hold on the funds after they have been cashed!!! 
I called the Issuer bank ( XXXX ), they assured me they never put a hold on the checks, they also mailed me a copy of those checks as per my request. 
in my last call to SunTrust they said they wouldn't send me my money and the issuer bank need to recall the money, I called the issuer bank and they said they cant do it because they dont have the money and there is no hold. 

SunTrut refused to call XXXX nor to send me any statement about the issue and the funds nor they allow me to talk to any manager, when I asked about a time frame for my issue to be resolved they said they don't know, it could take months and without the XXXX XXXX recalling the money that SunTrut have already they wouldn't do anything and my money could stay there indefinitely!!!

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 2021-04-14
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I requested my Citibank checking/savings account closed ~May of XXXX. Since that time, I have communicated with citibank almost monthly ( and ~ bi-weekly since XXXX XXXX ) regarding my missing funds ( ~ {$1600.00} XXXX which were to have been returned to me back in XXXX. 
Every time I call I have to try several options to get an agent, since I never received my account paperwork and thus do not have an account number. I do however provide my SS # which their auto system does not recognize, but when I finally get a service agent & they do some research, they indeed find my account. After long holds, repeating my story, etc. they agree to look into the matter further/get my refund mailed and state they will call me ; they never have. Additionally, when I call they have problems finding any records or notes from previous calls ( possibly due to being overseas? ). This is very frustrating and results in long explanations, holds, etc. Apparently Citibank service center in XXXX XXXX, TX processes these refunds and I have even offered to drive there to retrieve my check. Each time however, my call ends with them promising to put in a ticket to the " back office, '' and escalate my matter to no avail. A few times they have said " check is on the way, '' but never has been. 

Background : I had opened this account online prior to a XXXX and initially funded the account with the ~ {$1600.00}. I never received the hard copy bank documents as I was out of the country when they were sent. Citi says they sent them and tried again, but the friends we had staying in the house said nothing ever arrived. I then gave Citi a forwarding address to which I later was told ( in Fall XXXX XXXX that i had to submit an official letter stating that they could send the check from the closure to the new address. I faxed to the number they provided and Citi stated they never received, however I also mailed it. After a few attempts they confirmed they received the mailed copy. That was approximately XX/XX/XXXX. Since that time they said all was good to go, and it will take 10-15 business days for the check to arrive. I even received an " updated address '' letter from Citi at the new address. Yet, after each call, I wait and the deadline passes ; I go through the same rigamarole again/call and they either have stated there was a glitch, or it was input wrong by an agent ... and once again, they will escalate to " the right department. '' This last time, XX/XX/XXXX, they promised once again they would " personally '' call me back. And of course, again, no call, no check. I have spent hours of my life dealing with this fumbled closure and disregard.

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 2022-02-03
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX I went to a pnc branch located at XXXX XXXX XXXX XXXX XXXX ga XXXX the atm ask me for a receipt and I said yes so I press deposit then after I deposited my money of {$1600.00} it was counting my money then the atm said error has occurred please contact financial institution so I enter my card again and checked my transaction and my money was not there so I called pnc they said its go take about 10 business days a couple days later they told my claim has been denied because the amount. Of money in the atm so i was thinking because on XXXX it says XXXX has been having alot of fraudulent checks going around and goin to pnc so that was a lie they told me and I contacted that branch I went to and ask have a technician came out to check the atm and I was told no so they lying to me about my money and they dont wan na give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit 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 purchased a XXXX XXXX bag online, it was received, but received damaged. I returned the item to XXXX XXXX with proof of purchase to Goldman Sachs Apple credit card. They keep reversing the charge but with no proof that I have the item. The item was returned to XXXX XXXX and proof of this return was sent to Goldman Sachs Several times. XXXX is known for this issue, after reviewing online. I found several customers who are having this same issue with their XXXX XXXX and XXXX not wanting to do anything about it. The product was received like this. I don't know if this was in shipping or how their warehouse shipped it out. I contacted and notified XXXX right away of the damages to " not being able to locate my account '' and the item wasn't returned in prestige condition, but how could it be returned in prestige condition when this was received by me like this. I do not have around $ XXXX for a bag that was received damaged/defective. I have sent all proof to Goldman Sachs, but they now want me to take this in to get it documented, but how? I can't take this into a leather treatement business around me when I don't have the item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Loan opened XX/XX/2021, 21st Mortgage who services our loan for our mobile home has not prorated back into our escrow for a change in flood policy.

plus found out our current hazard home insurance policy last 3 years has flood insurance but they forced a lender flood policy on us so basically double policy is in effect and they will not remove their flood policy.

also at purchase, they forced the owner 's policy on us and when I purchased a policy they did not cancel the other policy on our account either.

I have sent certified letters, I have spent hours on the phone with no results.

as of now I have a hazard home insurance policy through them out of my escrow account that also has flood insurance.

I then had to buy out of my own account a new flood insurance policy to get them to remove their lender flood insurance policy off.

but i still have double flood insurance that they insist i carry two policies on flood insurance.

I also do not know why I even have to have flood insurance as our land loan does not require it.

I believe this mortgage servicer is doing illegal buisness plus my policy amounts /cost do not match their escrow detail report cost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TD Auto Finance was put on notice and provided an Affidavit of Truth regarding the alleged debt. Today XX/XX/2023 makes two weeks that TD Auto Finance  has received the affidavit of truth as shown in the Exhibit A. An affidavit must be rebutted point for point and they have not provided in the time frame of 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Nationwide Credit , Inc . 
XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX Account XXXX Dear Nationwide Credit , Inc., This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. If this is not removed from my credit report I will be suing your company. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 please remove this fraud inquiry from my credit 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-02-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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:
Equifax needs to delete and remove the following fraudulent accounts immediately from my credit report. Equifax has violated my rights as a consumer. I will be taken legal actions against Equifax if these accounts are not deleted within four days : 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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 am writing you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards

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 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff transunion XXXX  and 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 2022-01-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I Sent out multiple letters to XXXX due to a unknown account on my credit report XXXXXXXX # # # # # # # # and was ignored by XXXXX on XX-XX-XX and XX-XX-XX

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 2022-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Nothing happened, l keep getting scammers callers.

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