BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
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:
At the end of XXXX I received a letter stating my account would be closed and an investigation would be conducted to determine if there was any fraudulent activity. The letter stated N0 withdrawals or deposits could be made into the account. Ovdn XX/XX/2022 the XXXX XXXX XXXX deposited funds into the account and the funds were accepted, but I was not able to access them. I was told once the investigation was complete the funds would be mailed to me. It has been nearly 5 months and they are still holding my funds. I have contacted the bank and been told many different things, but no one can tell me why my funds have not been sent and when I may get these funds,

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 2022-10-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing about the company XXXX, which seems to refuse to remove their information about charge-offs on my credit reports. The account was opened in XXXX. I am also complaining about Equifax and XXXX. On XX/XX/XXXX of XXXX, I disputed XXXX XXXX XXXX  and XXXX with all three credit bureaus. XXXX is the only one that actually deleted both from my credit report. I have contacted XXXX and Equifax several times about this. XXXX and Equifax still show the XXXX XXXX XXXX and the XXXX account. I have tried contacting XXXX several times at the number provided, which is XXXX. You can not get anyone if you do not have your account number. It asks you for your account number or if you want to put in your Social Security number. I put in my Social Security number. Then it asks for the last XXXX of the account number. I can not speak with anyone about this because I no longer have that information. 
Whenever I contact XXXX or Equifax or dispute this with them, they tell me that it will remain on my credit report. Even though I have advised them there is no way for me to get in contact with them via the phone, this is still their response. I was told the first delinquency for XXXX was on XX/XX/XXXX. If bad credit is supposed to stay on your credit reports for XXXX years, this should have been removed on XX/XX/XXXX. When I called in to speak with advisors from XXXX about these two accounts, They stated that the removal date for the XXXX XXXX XXXX was on XX/XX/XXXX, and in XXXX. They stated that the removal date for XXXX would be XX/XX/XXXX. Today 's date is XX/XX/XXXX. XXXX should have removed these already. When I spoke with advocates from Equifax, they told me that the XXXXXXXX XXXX XXXX removal date would be in XX/XX/XXXX, and the removal for XXXX would be in XX/XX/XXXX. I honestly do not trust that Equifax will remove those two cards when XXXX of this year gets here. If all three credit bureaus are supposed to report the same information, then they should be deleted immediately because XXXX has already done so after I disputed these cards/ loans with them. Another thing I'm incredibly concerned about is the fact that XXXX does not show that this account is closed, which it has been for years now. Something needs to be done about this fast because it affects my ability to apply for certain types of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: TN
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 Account, XXXX  XXXX Account # 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 2022-08-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an ACH deposit this morning for {$230.00} in my savings at regions bank. When I look on the mobile app it shows a balance of {$270.00} and when I call the banks automative line it says I have {$270.00} available. I went to transfer money from savings to checking to bring it to a positive but they turned off my ability to transfer. I contacted customer service ( first rep didnt provide her name ) and she was rude telling me there is not deposit and because I have no money in the savings, and because my checking is negative by {$37.00} they temporarily closed my account until a deposit is made. I did not give them permission to turn off my overdraft for one and they took my deposit because I show a deposit on my end. Ive worked with many banks and none have ever told me an ACH was not available the day it was posted because its guaranteed money. I feel they are committing fraud! I asked them to waive all fees because its out of my control and with the economy were living pay check to paycheck like the rest of the world. They wouldnt assist me and told me they would transfer me to a supervisor XXXX XXXX who advised me the same thing. I want my money today and I want all fees associated with my account refunded. I am the owner of the account and work hard for my money, and banks shouldnt be able to control peoples money like they do. The only reason my account went negative is because I accidentally transferred {$37.00} to the savings not realizing they disconnected the ability to transfer to and from savings. Then once I did that by mistake because their system is confusing they penalized me. Their transfer system is not user friendly and I feel bad for the elderly. In addition, I know banks have to at least release partial money and they wont even do that. I have four little kids and I cant even buy water for them ( so they have to drink out of the faucet where there are chemicals ) with my funds held up, that is not okay. Banks need to be more of consumer advocates instead of always making it hard for consumers to live as human beings. Especially with the economy and banks being XXXX dollar companies its narcissistic to not help the consumer. I just want my money and all fees given back for the emotional damage. If this route doesnt work then I will contact a consumer protection lawyer as a last resort and I will also contact the paper. Im so tired of banks and Im sure most of the world is tired of them as well unless they are rich, banks favor the rich.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: UT
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.1K 15 USC 1666B : A creditor may i treat a payment on a credit XXXX account under an open end consumer credit plan as late for 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 2022-10-22
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.

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 2022-02-25
Company: Continental Credit, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I started this program back in 2019 paying over 85 a month. They lowered it to XXXX  after I complained and said what do they actually do for me especially since I can do all of this myself. I have several times asked them to cancel my service after nothing that was promised was fulfilled. I have asked for a refund in writing going back to when I first asked and they still have yet to give that to me. Instead they just call and ask me to consider giving it time. I normally do not make complaints but I had to file a claim with my bank and now this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Report Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the rights 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 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 2022-08-23
Company: EQUIFAX, INC.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-02
Company: Celsius US Holding LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Celsius held my cryptocurrency, promising interest. They have prevented me from withdrawing my crypto, and have now field for bankruptcy. I was lead to believe that eg : >funds are held by third-party custodians such as XXXX and XXXX. Customers assets are protected by both companies, as safe as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: NC
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-08-02
Company: EQUIFAX, INC.
State: NC
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: OH
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:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXOn my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to 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 non-monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX these Inquiries has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX 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 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 2022-06-09
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX my mortgage came due for a balloon payment. I called PHH mortgage to refinance and they told me it was to late. I said what? to late, why? they said I had to apply before the due date. I didnt know this and said what now? they said i could apply for a modification. So they went through everything with me to fill out application with them over the phone. so I did. then I had to submit bank statements and pay stubs etc ... everything they ask for. I did it. they said It would take at least 30 days to process. It was Late XXXX. I think around the XXXX the letter was dated that I was denied. They had set up a phone call for a meeting and in that call they asked for more paperwork, which I submitted to them via fax and / email. Everything they wanted. They have every bank statement from at least XX/XX/2021 till now to prove my income. they just kept asking for more and more. I sent more, everything. They kept saying they were reviewing. In the mean time they were reporting I wasnt making my house payments on my credit. They wouldnt take my house payments. I tried over and over. I would even get calls from them wanting an house payment and then they wouldnt take it. I could make my house payments the entire time. I had a representative from PHH mortgage tell me to write a hardship letter and explain my situation. I did and she told me to make an offer to settle the account. Which I did more than once. All I get is the run around. They said they wouldnt foreclose as long as they were working on the modification but now they are and have turned it over to an attorney. I tried to get other financing and since theyve ruined my credit I cant get financing to save my house. I've been here XXXX  years and Im fighting to keep my home. So I contacted the Wisconsin Help for Homeowners and the person in charge in my area told me to report PHH mortgage to you because she questions why they offered me a modification. She said you can only modify a loan that exist, technically she said since my loan came due I dont have a loan to modify. She feels like we do now that we have been strung along so they can steal our home from us with the markets on housing being what they are. I have almost half of what is owed on my loan and qualify for a grant from the state because of me not working because of covid. The girl from the state called PHH mortgage to discuss the situation and get them to accept the request from the state to be on the list for the grant. She was transferred and disconnected 3 times trying to get information. I gave them written permission to talk to her as well. Im desperate. Please help us. I dont want to lose my home. I can make my 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