BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NJ
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 sent a idenity theft report to experian to remove credit one and aspire/tobm accounts experian only removed the inquiry but not the whole accounts im dusputing the whole account experian is not reachable by phone this whole process took longer than 30 days also transunion has also have my police report and falied to remove accounts

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 2020-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings under promotional terms advertised on Citizens Bank 's website https : XXXX? offer= to earn {$300.00} to open a checking account, {$200.00} to open a savings account by maintaining $ XXXX for 3 months and an additional {$100.00} to do both. 

I met all the requirements but only received the {$300.00} checking bonus. I contacted customer service +3 times. Most noticeable was with XXXX XXXX on XX/XX/20 where the {$300.00} was paid out but no mention of the remaining {$300.00}. I contacted CS again and XXXX XXXX replied on XX/XX/20 stating I do not qualify for the bonus because the $ XXXX must be made one-time on the date of opening. I made 3 deposit that added up to $ XXXX and have kept the balance at Citizens for more than 3 months. I spoke to CS over the phone and asked where this is referenced on the XXXX XXXX XXXX XXXX XXXX deflected my question and keep on referring to marketing materials to deny my {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My debit card was closed without any notice to me. I had no access to my money for a few days until a temporary card was issued. The bank could only tell me that it was notified by someone that a potential breach had occurred and to close my account. The could not tell me who initiated the closure or when. I think I have a right to know these things.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CITIBANK, N.A.
State: OK
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:
In XX/XX/2020 I called Citibank and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance for both of my Citibank credit card accounts, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. They are reporting to the credit bureaus late payments in XXXX and that is not true.

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 2020-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a small business in the automotive repair industry. A customer inquired about services and asked if I accepted XXXX. As I was not sure, I logged into my business account and notice that my business account indicated in bold letter " Send Money with XXXX. Send and receive money securely - all you need is an email address or mobile number ''. Relying on this I provided the customer the mobile number and provided the services requested. The customer sent the money of which I received confirmation. I then tried to access the money on Saturday but did not see it in my account. I figured I wait until XXXX  the next business day. 

I called today and was transferred to the online banking department and was told that I would not be able to receive the funds because it was a business account and I needed to provide the account number to the customer to send the money. This is not possible as we do not collect the customer personal information, once we do the services we have no need for the customers information. 

I feel that I have been deceived by WellsFargo and their website/platform as there is no indication that I can not receive money to a business account or that the service depends on the customers bank. I relied on the notification on my business account that all I needed to provide the customer was an email or mobile number in order to receive the money. 

As of now they are indicating that there is nothing I can do. So I am out {$300.00} for the services that I provided. Not only I'm I not getting the {$300.00} for the services, I had to upfront $ XXXX in parts to be able to the the services, as the parts were installed in the customers vehicle. I have spoken to an online banker, then spoken to XXXX, a XXXX in the business department. I have also spoken to XXXX at the customer advocate group to place a complaint about this deceptive business practice, as it leads small business owners/bank customer that they can in fact receive money through XXXX without giving out the account number to every customer. 

I just want to be able to collect for the services that I provided and for which the customer has initiated payment and I have received confirmation that payment was sent.

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 2016-08-02
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have an international account at Citibank which I 'd have since XX/XX/XXXX. They have blocked the account so that I have no access to my funds, no way to write a check nor receive my social security and pension payments. The reason for the block is that I would not answer the questions below. When I told the account representative I felt they were too personal, I requested her to make the account a non-international account. She was going to check with her supervisor and get back to me. She did not get back to me, but blocked the accounts on XX/XX/XXXX with no notice not an email or phone call ; both checking and savings accounts. 

o I believe the questions being asked are unreasonable for a customer of 23 years which has not had an usual activity and who has had my salary directly deposited for the full time. There is a growing concern about identity thief. This level of detail is unnecessary for a savings and checking account. 
o I should have been notified by a phone call. This is a serious matter. Checks that have been written have been rejected. This is going to reflect on my credit score which I 've been very careful to maintain at a high level. 
o Social security requires three months ' notice for a change in direct deposit. I will miss these payments until XX/XX/XXXX. I am also missing my pension and annual company bonus as well. 
o I have spent endless hours trying to get to the right people to resolve this issue. I will be happy to supply all the information and who was contacted. A resolution of this is critical. 
The questions are below : In order to complete the account review, we need the below information for both signer : 1 ) Employer name, position, current total compensation including bonus, how long have been working with the company and what was the total compensation for the past 10 years 2 ) Cash balance in USA, Cash balance offshore ( if any ) 3 ) Any investment portfolio, if yes, is it in USA or offshore, what year was the investment started, what was the initial investment amount and current portfolio value, what was the average income for the past 10 years 4 ) Any real estate, it yes, please provide below information for each real estate : - Location, USA or offshore - Purchase year - Purchase price - Any mortgage when purchase? If yes, what was the mortgage - XX/XX/XXXX market value - XX/XX/XXXX remaining mortgage 5 ) Current ID copy, it could be a passport copy or driver license copy

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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation

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 2022-02-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX and I am writing to you to submit a complaint against XXXX XXXX XXXX XXXX. 

On 2021, I took a loan of {$4200.00} from Comenity/ XXXX XXXX XXXX XXXX  which I had been paying every month. I have paid over {$1500.00} so far but my balance never goes down. My balance is still {$3700.00} (! ) After a year of monthly payments. I usually call them the month before my payment is due, on the XXXX of every month, to schedule the payment through my debit card to avoid being late. But they purposely wait until the XXXX of every month to collect the timely scheduled payment so to also collect late charges. I believe this is is an illegal practice that is very unfair to the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
Company: EQUIFAX, 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:
On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: NV
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 ) I wrote to Experian and XXXX about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

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 2016-09-21
Company: CITIBANK, N.A.
State: AK
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX used to have an arrangement with XXXX that allowed customers to use an XXXX card to charge purchases and act as their membership card. In 2016, they changed that relationship to Citi and now use their XXXX card. 
However, in doing so, they somehow instructed Citi to issue me a credit card in my name. I neither asked for nor applied for a XXXX card with Citi, but XXXX showed up in my mailbox. Since I already have a XXXX, I destroyed the new card. About 6 weeks later, I got a call from Citi demanding that I pay my past-due bill. Having never used their card, nor having received any statements from Citi, I asked how I could owe them money. They explained that Costco had transferred my XXXX balance to Citi, and that was the past due amount that they were calling about. They emailed me a copy of the bill and I paid it immediately, and instructed them to cancel the card that had already been destroyed. 
On XXXX/XXXX/16 I received another bill from Citi with a {$110.00} balance. That balance was a result of Costco charging " my '' XXXX for their membership fee. I was surprised that Costco could create a credit card for me, transfer other balances to that card, and then add their own charge to it without so much as a nod from me, the person whose credit is affected by these actions. 
I am not an expert on consumer protection, but this seems like such an overreach that there should be a law against it. If there is not, I assure you that I will speak with my XXXX members about passing 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 2016-09-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
After finalizing a loan that absorbs a previous loan, a miscalculation based on poor advice from the bank led to a series of debits to my checking and savings accounts, and overage charges to my credit card. 

Wells Fargo is unwilling to provide a chronological, descriptive accounting of these transactions, so that I can ascertain if ( as I believe ) my accounts were debited more than once to repay the original credit card issue. 

Rather than providing the documentation, they insist on my returning phone calls despite withholding information regarding the calls ; they give no last name or title of the person phoning me, nor any agenda or extension to return the calls. 

Wells Fargo 's incessant telephone menu items preclude connection with a banker, when the issue at hand does not meet the criteria they offer ; hence, attempting that route has proven frustratingly unproductive 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 explanation
Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Safe Deposit Box, of XXXX XXXX XXXX XXXX. 
XXXX bank account, transferred from XXXX XXXX XXXX, XXXX, CT. Wells Fargo N.A . I was query 'd by IRS, owning income XXXX, XXXX XXXX XXXX XXXX. I am the XXXX XXXX XXXX XXXX, and probate opened up an estate. I have possession and title XXXX XXXX XXXX XXXX, XXXX, CT. XXXX. XXXX. Wells Fargo N.A . filed an instrument of deed, to themselves and owe me {$330000.00}. 
No one see 's a bank. Their XXXX XXXX, is a massive failure, used by XXXX bank and many many many many other abandoned properties and businesses and seems to be " Inactive '' and they all are not worth a penny.

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE 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 explanation
Consumer complaint received 2018-07-15
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 is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXX is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a idenity theft report to XXXX to remove XXXX XXXX XXXX XXXX accounts XXXX only removed the inquiry but not the whole accounts im dusputing the whole account XXXX is not reachable by phone this whole process took longer than 30 days also transunion has also have my police report and falied to remove accounts

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 2020-01-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and XXXX XXXX is attach. 
Please remove it permanently. 
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 non-monetary relief
Consumer complaint received 2018-07-15
Company: Riverwalk Financial Corporation
State: OR
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 a collection account from XXXX XXXX XXXX on my XXXX  and XXXX Reports. They say the original creditor is XXXX XXXX XXXX, which is another collection agency, not a creditor. I have never had credit with either company and have never been contacted in any way by these companies, it just showed up on my credit reports in XX/XX/2018. They say the debt is {$860.00}. But I do not owe them anything. When I have disputed it with the agencies, XXXX certified it as accurate, but has never contacted me or provided information to me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Trans union LLC is still reporting unauthorized inquiries that was placed on my consumer profile with out my written permission. XXXX XXXX XX/XX/XXXX navyfed XXXX - XX/XX/XXXXXXXX XXXX XXXX and a new inquiry was just placed XX/XX/XXXX padio.. Its been over 60days of my trying to resolve this issue with TransUnion. Its on file with TransUnion that I was victim of my data being compromised. And TransUnion responses with a recent letter. Stating that my being a victim of identity theft. Does not apply to unauthorized hard inquiries that was placed on my trans union report. That was placed with out my written consent. I will be submitting TransUnions response letter to the states attorney office. And I did hire legal counsel regarding. The violations And laws trans union continuously. Continue to break and unfair credit reporting with disregard of the consumer non personal information. Who TransUnion never had the lawful authority to publish in the first place. With out my 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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2016-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In the course of banking with Chase I was given the option for overdraft protection and chose to decline all overdraft protection so that if a charge was made that I did not have the funds to cover Chase would decline the charge. I believe I made this choice sometime around 2010 and it worked beautifully on the few occasions that it became an issue. 

Sometime between then and now they began allowing overdrafts again, this changed without my knowledge or permission. I have not agreed to any overdraft protection but have, once again, paid the occasional overdraft fee. Each time I have spoken with a Chase representative and am told that they never offered the option to decline charges and that the decision to allow overdrafts is made by a computer algorithm.

Company response to consumer: Closed with explanation