BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: ZIONS BANCORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Prior complaint made and closed : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 Here is the resulting problem : Cal Bank & Trust states to you that it is XXXX XXXX XXXX XXXX  responsibility. 
However, XXXX will not provide any information for me to deal with XXXX XXXX XXXX -- how does a non customer obtain recourse with the Bank who cashed the check without any ID?? 
Shouldn't you direct this original complaint to XXXX XXXX XXXX  instead of merely close it and leave me with no options? 
Aren't Banks supposed to have procedures to follow? I am being kept totally in the dark. I am being given NO COPIES OF ANY CORRESPONDENCE FROM XXXX TO XXXX XXXX XXXX  and simply am forced to take their word for it -- WHY? 
Why is this all kept secret with the customer in the dark? 
Who do I contact to make sure that a check honored with out ID is reimbursed 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 2017-08-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I am writing in regards to Citi Bank offering me a balance transfer at one offer, but fulfilling it under different terms than offered. I was offered a balance transfer ( Balance Transfer Offer 4 )  under the terms of 0 % until paid in full with no transaction fee. I took advantage of this offer and completed four ( 4 ) balance transfers, and I have attached screen shots of the offer on my account and screen shots of the completed transfers on the Citibank website. I first completed a Balance transfer in the amount of {$2000.00} on XXXX XXXX. ( Attachment BT Citi ). As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX I completed a balance transfer in the amount of {$4200.00}. ( Attachment BT Citi XXXX ) As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX, I also completed a balance transfer for {$8000.00} under the same terms On XXXX XXXX, I completed another transfer in the amount of {$5000.00}. Attachment BT Citi XXXX. As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. The offer was made available to me upon logging in to my account online and I took advantage of this several times. However, upon receipt of my statement, the balances were not fulfilled as offered. The Balance transfers did post with no fee and did post at 0 % however, the term of the balance transfer is listed as expiring in XXXX of XXXX. Clearly, this is not the offer I agreed to and is not what was offered and is evidenced by the enclosed screen shots. I have attached evidence of this. I should have a balance of XXXX at 0 % until paid in full as marketed and agreed to by me when completing the transaction. I would never have taken advantage of an offer as posted to my account, as I currently have a 0 % rate on my account until XXXX of XXXX. Citi Bank continues to harass me. This is just another instance of false and misleading statements and marketing lies perpetrated by CitiBank. Citibank should be required to honor the 0 % rate on all of my balance transfers until paid in full as offered to me and as agreed to by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Credit Karma, LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had an account with Credit Karma for about 3 years now and never had problem with the spend account/ till recently. This past XXXX my wallet and personal information was stolen from my bookbag, cause someone to have access to my accounts and information. My spend account was one of them to be hit and used for hotel transaction not one but many transactions. Credit karma has credited me back for the charges until recently after the last couple came of pending, I went to report, and everything went great till they locked my account. 



with no explanation or reasoning, if just guessed it was because of the hotel charges. so, I gave the pay stub as well statements from hotels saying they going to reimbursed some of the charges because they notice the mishap and that I had no fault. 

Well, it's been two weeks and credit Karama has not relapsed my funds... even when proper documents were given. no one has given me any reasoning. I called multiple times and only been hanged up on... I asked to speak to a manger or the dept whose working on my case and no answer or mi on hold for 3 hours. 



I called XXXX XXXX and all they cont. to do is transfer me to credit Karama.. I have medical problems taht need to be watched over. I needed my funds to get medication and as well supplies for my home and still can't gather any of it because my money is all tired up in this account, I been in the hospital twice due to me not taking my medication which can cause me to have XXXX failure and I mention this to Credit karma and nothing... I am highly upset and angry that they are putting my life sat risks like this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 2017-08-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 2022-07-06
Company: Mr. Cooper Group Inc.
State: ND
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:
We have been on a Forbearance Plan which was offered by Mr. Cooper Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a XXXX Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2022-07-06
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, I received a text from a friend advising me that she sent me {$2400.00} as a test transmission when trying to set up a Cashapp account ( see attachment ) and to please send the money back to her. I was alarmed to receive the email and called to verify with her that the text was legitimate and actually came from her. She verified that she did send the money and also sent the request for the return of the money. She said she was on the phone with XXXX and they were helping her set up her Cashapp account. I told her I thought it was a scam because XXXX wouldn't help her with that but she insisted it was not a scam and to send the money back. At that point, I went into m Cashapp account and saw where she did send me {$2400.00} which I immediately sent it right back ( funds never left my Cashapp account, see attachment ). She informed me the next day that the funds never went back to her account and she was scammed. I advised her to contact her bank ( XXXXXXXX XXXX  ), file a police report and the state Attorney General to try to get her money back. On XXXX XXXX, I received a text from Cashapp informing me that my friend filed a dispute with her bank for the {$2400.00} and they were refunding her the money from my XXXX XXXX XXXX XXXX account ( see attachment ). They withdrew {$2400.00} from my account without reviewing the transaction, my authorization. I never removed the funds into my bank account and sent the funds back t my friend via Cashapp. They have basically stolen my money in order to reimburse my friend for her negligence and allowing herself to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Iq Data International has been reporting a collection on my account in the amount of {$7600.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. This is a fraudalent account. I know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
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:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. MABT/CONTFIN is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX  requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: ZARVAD III S.A.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/18 I received a telephone from a woman stating she was with Simms and Associates and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX  ( XXXX : XXXX  XXXX : XXXX ) XXXX XXXX XXXX XXXX  ( Equifax : XXXX   XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( XXXX  : XXXX ) XXXX XXXX XXXX   XXXX ( XXXX : XXXX  ) XXXX ( Equifax : XXXX   XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX :  XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX   ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX   XXXX : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the course of a seven year period starting in 2012 USAA Federal Savings Bank portrayed a simple interest bearing deposit account of approx. $ XXXX as an investment account. This was years before XXXX XXXX merged with USAA. The reason I am reporting this egregious violation is 2-fold. Each time I made a withdrawal from the account USAA would apply a 10 % penalty in addition to the withdrawal. These funds were accumulated with taxed dollars. As if the 10 % penalty wasn't bad enough, USAA would issue a 1099 that captured the specific amount of the withdrawal with the footnote of reporting the transaction to the IRS. As I mentioned, these funds were accumulated with taxed dollars and the 1099 was intended to raise my tax bracket with taxed dollars from a simple interest bearing deposit account being pertrayed as an investment account. This act went on for seven years. I have the 1099s along with account statements and I'm sure USAA does as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Continental Finance Company, LLC
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:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit  Bureaus. XXXX/CONTFIN is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/CONTFIN requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/CONTFIN to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 2022-07-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This was included in the bankruptcy, I have been requesting for the proof of validation and the result of the investigation. I also sent several complaints and asking for the result but until now I never receive any response.

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