BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As per two letters from Citibank dated, XX/XX/2022, Citi has deemed me responsible for bank machine withdrawals exceeding {$9000.00} made on a bank machine in XXXX XXXX in XXXX, XXXX. I strongly disagree with this decision. 

As detailed below : The incident happened XXXX in XXXX XXXX at a bank machine in XXXX. 

I responded immediately to the first fraud alert I received from Citibank, @ XXXX ( EST ), for a sum of {$1200.00}, on XXXX, XXXX XXXX. I immediately indicated that it was indeed fraud. 

That fraud alert came to me after XXXX transactions had already successfully gone through for a total of {$9300.00}. 

Whydid it take XXXX transactions from a foreign bank machine before the first fraud alert was sent? 

XXXX XXXX {$1200.00} XXXX ; XXXX XXXX  {$290.00} XXXX XXXX  {$290.00} XXXX XXXX  {$810.00} XXXX XXXX  {$1700.00} XXXX {$2200.00} XXXX XXXX  {$2500.00}XXXX {$14.00} XXXX XXXX  {$1200.00} FRAUD ALERT The letter from Citibank has deemed the activity to be consistent with your normal banking activities. Enclosed please find scans of those correspondences. 

In the thirty plus years that I have banked with Citibank, never have I ever run XXXX transactions at a bank machine within XXXX minutes. 

In fact I dont believe Ihave ever withdrawn sums near {$9000.00}. from a Citibank machine in over XXXX years in any city in the USA or in a foreign country! 

Discussions with XXXX XXXX XXXX : On XXXX, as soon as I was able to call, I was on the phone for hours with fraud prevention personnel and supervisor named XXXX. He informed me that XXXX transactions had gone through, as detailed above. He created XXXX cases for XXXX transactions each. 

I was assured that the money would be returned to my account within XXXX business days, or provisional credit would be granted until the investigation was complete. 

I called again on XXXX and spoke to supervisor XXXX. Said she would expedite the case, and was equally encouraging. 

Citi has obviously failed to adequately investigate this fraud. 

Citi prides itself with its fraud prevention capabilities. How could the system allow XXXX transactions to go through from a foreign bank machine, before determining that there might be an issue of fraud only on the ninth transaction?! 

Conclusion : I nearly fainted when I received the banks letters, determining this activity as normal. I have had a stellar banking reputation with Citi. Not only am I a victim of some advanced bank machine scam, but I am now being billed for a criminals ill-gotten gains. I am somewhat traumatized. 

In light of the above, I respectfully request that the money be returned to my account ASAP. This presents a significant financial hardship 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 2022-12-24
Company: Paypal Holdings, Inc
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a purchase on Pay Pal with their pay in four payments plan. I never received the item. I disputed the charge with them. They denied the claim 10 minutes after I had filed it. There could not have been any investigation done at all. I have continued to try to contact them up until a week ago. I have also requested them to only contact me through US mail and not email or phone calls. They have sent 17 emails and 8 phone calls since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: TX
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 sent a letter on XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.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 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 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Oklahoma Student Loan Authority
State: MA
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:
In accordance with the fair credit reporting act, ~Name : US DEPT OF EDXXXX Account number:XXXX XXXXDEPT OF EDUCATION/XXXX Account number 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. code 1692b- 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Freedom Mortgage called me, having recently purchased the servicing rights to my mortgage loan to check in. While on the phone, they offered to take my mortgage payment over the phone, although I had already set up payment through their online portal. While on the phone, they said the payment went through. A week later, they called to tell me the payment had been reversed- on that call I repeated my checking account information to make the payment that had been reversed. After a series of 4 phone calls with customer service, finally resulting in their listening to the recording of the phone conversation, they determined that the agent had entered the information incorrectly and had failed to repeat the account number back to me to allow me to notice the error. They therefore determined that the {$30.00} insufficient funds fee they were attempting to charge me should be reversed, since the error was entirely theirs. However, three weeks after admitting fault, the charge is not removed, and now customer service is saying that it will not be reversed.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite multiple written requests, this unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received.This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$4100.00}

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 2020-01-18
Company: The Bureaus, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : THE BUREAUS # XXXX**** XX/XX/2017 {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
Hello, I have sent multiple dispute letters to Equifax to dispute a XXXX XXXX credit card account that is showing on my credit report. This is not my account. I have even tried contacting XXXXXXXX XXXX to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called Equifax to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call Equifax for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor Equifax. 

I can be reached at XXXX or by email XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: CT
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 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 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 2022-08-03
Company: Telsa Motors Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had so many problems with getting my system up and running that I can not list them all here. I can not get in touch with supervisors or even the same ( repeat ) person to get my issues resolved. I have been trying to get this taken care of since XX/XX/XXXX. I feel like I have run out of options. The long story short is that we were told we would have it installed by the end of the year in XXXX. It was not installed until XX/XX/XXXX. I was unhappy with the way that the panels were situated on my roof and asked for them to move them. getting them to move the panels was difficult, and they said they would take care of it after much back-and-forth. They sent an install crew out to move my panels, but left the roof racks on. They said that they would get a roofer to replace and repair the roof damage but never did. They ended up giving us permission to find our own roofer and get reimbursed. I had them approve the estimate and went ahead with the roof repairs. I have paid them over a month ago and have not heard anything back on getting the reimbursement. on top of that, their policy is to collect down payment and start the monthly payments when you turn on the system. I was told over a month ago that I had permission to operate and we turned on the system. they went ahead and collected payment. Then we were informed by XXXX that they did not have permission to operate and we were to turn the panels off. Tesla continues to take our payments but does not continue to work to resolve the issue with XXXX. they refuse to contact us because we are asking why we are making payments when we do not have a functional system. Our system has failed inspection twice at this point. It has finally passed but we have multiple weeks left before XXXX will recognize the system and allow us to use it for energy. Tesla is basically nonresponsive at this point because we are categorized as a system that has been turned on. I am making no traction and would appreciate your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been recording all my transactions going in and out of Bank of America for years. As Ive noticed regardless of payment retrieval wether atm ach or wire transfer. Regardless of the transaction within time to receive on time IT NEVER DOES. Bank of America list of transactions literally has XXXX  transfers from my own account ( before you say its fake ) and its completely not in my deposit list. I have over XXXX  sitting in my account daily, and every other day deposits go missing for days than return. This causes fake bank reporting and is ruining my business as well as my personal life. On numerous occasions I couldnt eat because of this. I plan on going to the news with this because Ive giving BOA 7 years to get it right.

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 2022-10-24
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MO
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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 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 an 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE

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 2022-10-24
Company: Torriere Holdings 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 CT XXXX XXXX, TX XXXX Regarding : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Reference : XXXX To Whom it may concern, I have sent you a written request to validate a debt collection by XXXX XXXX XXXX, XXXX. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and they are obliged to provide me with relevant documentation. XXXX never or can they validate the debt. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. Therefore, XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the Act for the updated value ). 

Please take steps to remove any negative marking on my credit report that would adversely affect my credit. 

Thank you for your attention to this matter! 


Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson capital has been on my credit report for years for the balance of {$310.00}. Ive tried disputing it multiple times and I just get its been verified. Ive not once received a letter, a phone call, or anything proving to me that I own this debt and I have no recollection of acquiring this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I had gone to XXXX  XXXX XXXX to take out my check well part of it XXXX dollars the machine dispensed XXXX at XXXX  XXXX XXXX the atm machine was mistakably stocked wrong XXXX dl bills were in the XXXX slot and the XXXX dl bills were on the XXXX slot so i called XXXX  XXXX XXXX and let them know what was going on with there atm then i called XXXX XXXX  to open a claim so i can get my money back XXXX XXXX i opened the claim I opened my claim on XX/XX/XXXX i got my response yesterday saying that fraud was never done and there will be no credit because their team of investigator found that there was no wrongful doing at XXXXXXXX XXXX XXXXXXXX i have called both backs since XX/XX/XXXX everyday i was not the only one this happened too so how would they not find nothing if both back and pay services were called the claim at XXXX  has been closed i have 3 girls and late on my rent because of this i have no money and now this that my money can not be returned had XXXX XXXX called XXXX  XXXX XXXX like stated they would had learned their atm machine was at fault both businesses have been giving me the run around and like mentioned before how do i pay my bills if no one wants to help me i don't want them to give me xtra money i just need my money and an apology for their lack of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on the XXXX of XXXX i bought a ticket from a girl on social media she sold me a XXXX ticket that didnt work i sent her money through zelle and she never sent me my money back like she said she would. She scams people offering XXXX tickets for a lower price and never responds back and blocks you. i contacted my bank because its connected to my zelle and they told me i couldnt do anything about but i decided to search up what i can do to recover my money.

Company response to consumer: Closed with explanation