BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: DC
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 needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX  XXXX  Acct # XXXX, XXXX | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX  XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  XXXX XXXX XXXX | XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : ALABAMA XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 2016-06-15
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, XXXX and myself it was determined the funds were sent to Citibank which was the previous owner of the card. On XXXX XXXX another 3 way call with Citbank, XXXX and myself in which payment amount, date and trace numbers were sent. I contacted Citibank on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted XXXX and was told the case had been closed and would reopen it. The representative told me he would call me this XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail. XXXX XXXX has repeatedly sent proof of payment, transaction records and CitiBank refused to communicate. I have been in direct contact with a representative from XXXX XXXX and they have now sent it to there liaison.

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 2016-01-02
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
I have sent disputes and debt validation letters to all three credit bureaus. I have also sent letters to Nissan Motor Acceptance in regards to a debt owed with the balance of {$9700.00}. I have sent letter in XX/XX/XXXX and XX/XX/XXXX. I have even disputed this matter on the XXXX website. The date last reported is inaccurate across all three credit bureaus. According to 15 U.S. Code 1679c. I have the right to dispute inaccuracies on the credit rmy credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Over the last year I have submitted numerous disputes about incorrect reporting and nothing was done. I found my payment history finally and sent it to XXXX and XXXX on XX/XX/XXXX, with my payment history showing incorrect reporting. XXXX deleted it XXXX sent me an email on XX/XX/XXXX and said that they verified it as accurate and then after a phone call asking why, she said they go buy what the debt people send back to them even if I sent in proof. The next day my TransUnion and XXXX score. Dropped XXXX points. My XXXX stayed the same. They have done this every time I disputed it causing my score to be drastically low. This is illegal and my rights are not being protected.

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 2022-05-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Truist has been charging inappropriate fees on my account and when I tried to correct this they told me I would have to drive to a branch. This started last month when I noticed on XX/XX/XXXX last month and XX/XX/XXXX this month, there were charges for {$7.00} and {$13.00} respectively for a withdrawal fee limit. I have gotten more than {$60.00} out of the ATM and have done nothing more than transfer funds between my accounts and pay my mortgages and credit card statements. I called Truist today, XX/XX/XXXX, the representative told me he needed to dispute these charges. I explained this was not fraud and was Truist making these charges. Whole he confirmed they were erroneous, he told me I'd have to go to a branch to reverse them. There are no branches close to me that are open on Saturday. Also, I don't see why as a consumer I should have to take off work and drive to a branch to get {$20.00} in charges reversed when gas in {$4.00} a gallon. I have my mortgage with Truist and a savings account so I am particularly frustrated with not being able to get this handled over the phone. I hope this is just an innocent mistake but I am reaching out because I suspect I am not the only person with these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: General Motors Financial Company, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX/XXXX/16 I went to XXXX Macy 's Store, I went about my business shopping and being the frugal shopper I was checking out the sales. I approached the associate to pay my bill when to my surprise she said your account is close, I said you got to be kidding me. With the upset look on my face the senior agent next to her said to call their CSR. She was told that my account was closed because I did not pay XXXX, she put me on the phone with the csr agent, and she said a statement was sent, I told her I never saw one nor a phone was made to me. 

I was told to restore my account I have to pay this, which I did, but due to this they have reduce my credit line from XXXX to XXXX all because of XXXX. Now I am a very good paying customer. 

However from XXXX I have just received the statement she reprinted and mail. 
The purchases I made that day was {$100.00}, which I paid. Then I saw a watch for about {$60.00} on sale andI bought it. However I had to return some of the clothing due to fitting reason, which will take care of some of the charges on the watch, and then I paid the difference of {$11.00}. 

However when I logged onto my macy account TODAY XXXX/XXXX/16, they had the nerve to charge me {$2.00} in interest, ****it is not over a month and they added interest*****. 

However I called their billing department to complained and the agent was will waive the {$2.00}, principle matters to me, if Macy have their system to cheat and nickel and dime their customer that is ****NOT RIGHT*****. 

If you do a search with my purchases at macy, you will see all payment made on time and in big chunks of funds. 

What I want to see ****is my credit line restored back to where is was*****. 

All this for XXXX, also I am considering in closing my revolving account with them, if they do not take responsibility of how I was treated.

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 2022-05-14
Company: AMERICAN EXPRESS COMPANY
State: MD
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, American Express 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: IL
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} MID FL XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Good afternoon, Yesterday, XX/XX/2022, I went to a Western Union on XXXX XXXX XXXX, transaction number XXXX. 

I explained I wanted them to receive in XXXX XXXX {$930.00} to pay for my bills there. The guy charged me {$8.00} for their fees. Fine. {$930.00} total. 

So, then the recipient sends me a photo of his receipt. He received the equivalent to {$810.00} aka XXXX XXXX. 

I called Western Union and they say the exchange rate is XXXX XXXX, when in fact the exchange rate is around XXXX XXXX per {$1.00} dollar. 
Its missing {$90.00} from my transaction. I was never told they are robbing us blind with this exchange rate. I was clear I wanted the recepient to receive {$930.00} there. Their bank did not charge any fee. 
I told Western Union they even refund me for the missing {$90.00} here or send it up there. It's almost 10 % in hidden fee right there! 
They said it isn't possible to correct that. So I'm trying to hold them accountable by reporting it to you guys. And hoping this issue will be solved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT XXXX : XXXXXXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-18
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I set up a 5 year CD for my granddaughter at CitiBank. Someone in the bank changed her Social Security number 2 years in. When it was time to cash in they would n't give me the interest of {$140.00} because the Social Security number did n't match her name. They should n't have changed her number. They say they ca n't help me retrieve her money. Their mistake her loss. I want to file a complaint against them.

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 2016-04-22
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I attempted to purchase gas on Wed XXXX XXXX in the evening in a gas station where I always purchase gas. It 's a XXXX gas station ( Route XXXX, XXXX XXXX. NY ) and I use a 'speedpass ' which is linked to my debit card with a Citibank checking account. I have done this for many many years. The purchase was declined several times. 
I knew Citibank sent me a new debit card, so I went home, activated the new credit card, and attempted to purchase gas again on Thurs XXXX XXXX morning. I twice tried the speedpass and it was declined. I tried my debit card at the pump and it was declined. I went into the store and swiped the debit card and it was declined. I had borrowed cash and was able to put enough gas in my car in order to go to work on Thursday. 
Friday morning XXXX XXXX, I went on my Citibank online account. I was able to get online and some of my accounts showed ( a credit card and CD ), but my checking account and savings account did not display. I tried again a few hours later and the same thing. 
I called customer service and was not satisfied and requested to speak with a supervisor. Another person, XXXX, came on the line. She stated that nothing was showing that there was a problem with my Citicard. She told me that emails were sent to all customers that there old debit cards would no longer work if they did not activate the new cards. She told me I should go on the gas station website to see if they were having a problem. I was not satisfied and asked to speak to someone else. She told me she put in a request and I would hear in 2 business days. ( I assume that means next week. ) My complaints against Citibank : 1. They are holding my money hostage. 
2. I activated my new Citicard and it still did not work. 
3. I was stranded and unable to put gas in my car and had to borrow money in order to put gas in my car and go to work. 
5. They cut off access to my bank information online. 
4. They are going to make me wait for days until an advocate calls me and addresses my concerns. 
5. How can they refuse people access to their money because they decided to issue a new debit card???? 
I have been a customer with Citibank since 1969 ( when they were called XXXX XXXX XXXX ), and I am outraged with their bullying techniques in handling customers and their poor customer support when needed.

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 2022-08-16
Company: General Motors Financial Company, Inc.
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I have signed for a vehicle on XX/XX/2017 that has XXXX completely different sets of paper work. The second has the date of XX/XX/2017. My signature was forged on it and I have come to the dealership and the bank about these complaints and consumer rights violations and continue to be ignored. I was not disclosed to the rights that I had and I have sent out copies showing that both paper works are different and the banks and dealership copies have forged signatures. I have the original paperwork. They have copies. The annual percentage rate, finance charge, amount financed, total payments, and total sales price are higher on their copies then mine. Which means I signed out for XXXX price and was charged something different. These are clear consumer rights violations. 

My contract. 
Annual percentage rate : {$12.00} Finance Charge : {$8600.00} Amount financed : XXXXXXXX XXXX XXXX Total sales XXXX The Banks and Dealerships contract. 
Annual percentage rate : {$12.00} XXXX XXXX : {$8900.00} Amount financed : XXXX XXXX XXXX XXXX sales XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: American Collections Enterprise, 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: Old information reappears or never goes away

Complaint:
the debt of {$65.00} to XXXX XXXX was paid on XXXX XXXX, 2021. I contacted them and they said they are not sure why the collection company, American Collections Enterprise | ACEI is still reporting the debt. It should have been deleted.

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 2022-05-14
Company: Early Warning Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/22 XXXX $ XX/XX/XXXX I was scammed out of XXXX XXXX I filed a claim, XXXX XXXX XXXX Zelle both failed to conduct an actual investigation and my money was never returned to my account. XXXX XX/XX/XXXX I was scammed again for XXXX $ from a merchant that I use often but this time around they did not deliver what I paid for. I filed a police report because of the lack of trust I have with XXXX XXXX and zelle to conduct an investigation to retrieve my funds. XXXX. 

I want my XXXX $ back or I will escalade this matter. 

If nothing is done I will be seeking legal help to get my money back rather its through the courts or XXXX arbitration. I work too hard for my money not to have it returned back to me.

Company response to consumer: Closed with explanation