BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
: hello, my dear, I in XX/XX/XXXX, opened the schwab bank checking account and online investment account, want to learn about investing in stocks, and then I saved {$1000.00} and when XX/XX/XXXX XX/XX/XXXX saved {$4900.00} XXXX, study the investment, XX/XX/XXXX saved {$9500.00} check, because my friend didn't use the account for a long time, the bank to be on the safe side, automatic lock my friend 's bank, cause my deposit be refunded, after inquiries and the interpretation of the bank and and friends, and friends give me to write a check for {$9700.00}, I deposited it in my bank on XX/XX/XXXX. The extra {$200.00} is compensation for my loss and time! Then in XX/XX/XXXX finally can use the money, schwab has locked my checking account to the bank to make a phone call to ask, the bank customer service said my {$9700.00} cheque was returned again, my account has been closed, I feel very magical, again ask my friends, my friend said that the money has been paid, is not returned, and showed me the deductions record! Suddenly I was angry, what bank is this situation, money was already enter an item in an account, why and I said was returned, and closed my account, I took my angry mood once again make a phone call to ask, ask this check deposit and my account balance, then customer service said available balance is {$9500.00}, before I ask why the bank customer service said I deposit be refunded? Can you tell me why? And can I use the money now? Bank customer service asked why to write a check to you, because English is not good, I asked for online XXXX translation, I can express my problem, but the bank customer service not only did not call online XXXX translation, also said I can not use the account, I asked why? The bank 's customer service officer said, because they're waiting for this check to come back, then I'll owe the bank over {$100.00}, and then they'll close my account! Now I'm just waiting for this check to come back! I suddenly angry very big, this bank exactly what logic, this is what service attitude, such service, I also have never met! Really helpless!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: FACTUAL DATA CORP.
State: TX
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:
accounts are old and no longer valid on my report as well as a few where ran with out my consent when shopping for home loands and cards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: PNC Bank N.A.
State: DE
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 called into  the PNC  call center about an overdraft fee. I was sent to the escalation department. I spoke to  XXXX   XXXX  she was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded irregardless of who I spoke to ''. Then she placed a follow co worker on the phone that she was friendly with. She (  XXXX   ) pr etty much determined the outcome before  XXXX   XXXX   ( su pervisor ) took the call. She came on the call well versed on and about my inability to get the refund. She was speaking aggressively to me and refused me the opportunity of speaking to another supervisor that she was not friends with. I feel the refund was due because of a bank error. I had several deposits come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08
Company: Lending Club Corp
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for a debt consolidation loan with the Lending Club on XXXX XXXX, 2016. I was called by a representative of the Lending Club on Saturday XXXX XXXX to confirm my application and personal information. The representative told me the loan terms were : {$16000.00} at an APR of XXXX %, {$330.00} per month for 60 months. My loan was approved on XXXX XXXX ( Loan # XXXX ) and the funds of the loan were direct deposited into my checking account on XXXX XXXX. However, only {$15000.00} was deposited. I immediately emailed the XXXX XXXX and asked why only {$15000.00} was deposited in my account. The loan documentation was not available until the loan was funded and there is nothing in the documentation that indicates the origination fee that would be charged. On XXXX XXXX I spoke with a representative of the Lending Club to claim a lack of notification about an origination fee. At no time did I receive notice by phone or in writing regarding the amount ( if any ) origination fee that would be assessed prior to the funding of the loan. I specifically asked the representative that called me on XXXX XXXX about the terms of the loan. There was no mention of an origination fee. Even after complaining about the fee on XXXX XXXX, I was not told of a right to rescind the loan and return the money ( I was within the 3 day window ). I believe the Lending Club violated the " Truth of Lending Act '' ( TLA ) by not providing adequate notice of all fees before the loan was " funded ''. Not having all of the information ( even after I requested it ) before the loan was funded is a clear violation of the TLA. This loan was fraudulently funded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Other

Complaint:
I scheduled a payment of {$1000.00} dollars using my XXXX XXXX Account, to Pay my Citi Credit Card. I scheduled the payment on XXXX XXXX, 2016, and my XXXX XXXX Account shows the payment was processed on XXXX XXXX, 2016. My Citi Credit Card has not ever shown the credit to the account. I have filed disputes with both XXXX and Citi. XXXX keeps telling me to provide their Confirmation #, Citi says that number is not correct, and that they need a XXXX digit Tracer number, XXXX says that they do not have a XXXX digit tracer number.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 2020-03-12
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Att & t credit card was protected by credit protector, safeguard. When I became ill it should have been paid off. At & t sold as debt to collection agency. Why was it not paid? 
I calculated monthly safeguard payments by years paid and it was enough to cover debt. 
The collections company is trying to shake me down for money and filed case in XXXX County Common Please Court.Please help me resolve this matter and thank you for your assistance it would greatly be appreciated. 

Contact information : 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 2020-03-12
Company: Home Loan Center, Inc.
State: WA
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:
My complaint LENDING TREE is CONSTANTLY sending me Emails/Texts on my personal financial history WITHOUT MY CONSENT!!! Example ... How they know my remaining balance of mortgage. My options of personal loan. I went on website to learn more about OBTAINING A PERSONAL LOAN ... But NEVER AGREED UPON IT!!!!. Please help ... THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: 24 Asset Management Corp
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting called and harassed for a debt belonging to a sibling. I have related this info to the debtor before. Once I took the message and hung up the rep called me right back away to annoy me. Therefore breaking FDCPA law and harassing a client once contact was already made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: WA
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:
XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item 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 explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT Balance- {$0.00} Balance updatedXXXX XXXX XXXXXXXX Original balance- {$720.00} account NAME- XXXX XXXX Account XXXX Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Installment Status-Pays account as agreed Status updated-XXXX XXXX Past due amount -- Original balance- XXXX XXXX  Monthly payment- {$0.00} Contact info Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$1600.00} to an individual in ohio. I was required to provide a girst and last name of the recipient so they could be identified. The recipient went to a walmart store to pick the money transfered up and was informed there was hold on the money sent. I was forced to call customer service to have the hold released. I have called three different times and have been placed on hold for over an hour each time. Now the person who has been trying to recieve the money has been waiting for over three hours. The cash money that i gave to moneygram is held up and can not be released. Why is there a hold on cash money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been the victim of identity theft for several years now and have been monitoring my credit file each month. Someone unknown to me used my ssn for medical services in the state of XXXX NC. I have never authorized anyone to use my SSN for services and do not know who the individual is that used it. I filed a dispute with the colleciton agency who sent me a letter on XX/XX/XXXX confirming ( confirmation number XXXX ) that my identity was used fraudulently and they will notify Transunion that this negative mark should be removed. I placed an investigation with Transunion on XX/XX/XXXX. on XX/XX/XXXX I receive my investigation results from Transunion stating that the information is correct and will remain on my file until XX/XX/XXXX. There is no possible way that this information is correct because 1. the person name does not match the social security number used. 2. I have never lived in XXXX and have lived in California for over 30 years. 3. I have a confirmation letter from the collection agency saying that they notified Transunion of the error on XX/XX/XXXX. Transunion investigation was incorrect and seems they are bypassing what the collection agency has reported to them. THis negative marking needs to be removed from my file. 

Reporting company XXXX XXXX , XXXX . 
on Behalf of 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2022-07-16
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have a previous complaint open and it is not resolved. I was advised to provide my credit card statement analysis in a PDF format. The previous complaint number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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:
I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items 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 block these following items : XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 non-monetary relief
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: SC
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 have tried several times to have the issues corrected and so far nothing has happened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have tried several times to have the issues corrected and so far nothing has happened

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 2022-03-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I converted a XXXX XXXX XXXX, filed in XXXX, to a XXXX XXXX in XXXX. In the process my lawyer, in error, filed a new XXXX XXXX case. The court immediately dismissed this case because it was filed in error. It should never have been filed and it should never been added to my credit report. Now I have XXXX bankruptcies showing, one discharged and one dismissed. The dismissed one I have disputed numerous times with Experian and XXXX since XX/XX/XXXX. With those disputes I have included a letter from my attorney and the XXXX XXXX XXXX stating this case was a clerical error. Both Experian and XXXX refuse to remove the dismissed bankruptcy. Both instructed me to obtain the XXXX XXXX XXXX and they could remove the bankruptcy. However, when I provided the document both refused. Due to their refusal to remove the inaccurate case, creditors began attempting to collect on accounts discharged in the accurate bankruptcy. I have spent almost a year getting these creditor accounts straightened out due to Experian and XXXX outright refusal to fix what I have proven to be incorrect. I have disputed online and over the phone numerous times. This bankruptcy must be removed.

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 2022-07-16
Company: EQUIFAX, 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:
I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items 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 block these following items : XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation