BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a CitiBank account on XX/XX/XXXX, and attempted to fund it multiple times through an inter-institution transfer. Each time I attempted to make the transfer, I was locked out of the account for fraud detection, and had to be put on hold for hours to unlock it. 

Due to this I decided to close the account. I made several phone calls on XX/XX/XXXX, XXXX, and most recently on XX/XX/XXXX I made 12 phone calls over the course of 5 hours to try to close my account, being transferred over and over and hung up on multiple times. 

The issue is that despite the savings account having zero balance and never being used, there is still the inter-institution transfer hold on my account which prevents closing it. And to remove this hold, I was told I *need* to go into a branch in person despite opening the account online. There are no CitiBank branches in XXXX, Washington. Despite this, I was told that this is the only way to close the account and was told that there in-fact was a branch here. Unfortunately the branch the support agent gave was in Washington XXXX. 

I'm unable to make a cross-country road-trip out of state, and I'm unable to resolve this with the support agents. Could I get help closing the account?

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 2023-01-08
Company: Cascade CISS Holdings, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above inquiries were supposed to be soft inquiries rather than hard inquiries. I will like these to be dropped off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 XXXX Rausch Sturm Israel Enerson & Hornik LLP is representing XXXX XXXX ; Called and was on hold 10 minutes and response said to leave message i.e left message they are calling wrong number, the person they are looking for is not at this number ( XXXX ) and I am not that person. ( XXXX XXXX XXXX ) I do not know that person. Have their Client XXXX XXXX Remove my number from their system and do not call again. I have informed XXXX XXXX of the above information and to remove my number fro their system and do no call it again. I have had this number for over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 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 than 4 business days after the date of receipt 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer. 
reporting agency can not furnish an account without my written. 
Instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield & Asso have reported information on my credit report that breaks the law of the Fair Credit Reporting act and not validating the information I asked for which they had 30 days to produce. Not only that they have violated my Hippa rights and Hippi law by sending me items of procedures that was done at hospital without a Hippa release which is a clear violation of the Hippa law and now I can proceed with a law suite . I have  documented the letter I sent them in XX/XX/XXXX of information I asked for which they never provided by the 30 days they had to produce but instead sent me a response that clearly in violation of the Hippa law and my rights. I want the items removed from my credit report or I am going to file a law suite

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 2023-09-13
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several notices from Messerli and Kramer regarding accounts I supposedly owe money to. They have garnished my wages and wiped out my bank accounts. The accounts are joint but they wipe out my husband 's social security money that is deposited there too. I send them proof of what funds are not my earnings and they say they never received that. My wages are garnished. They say the debt belongs to XXXX XXXX, XXXX and I have to call them regarding what the debt is for. XXXX says I have to get the information from Messerli. They say I was served papers. I never was. I don't know if my identity has been stolen or what but this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Old forge pa XXXX XXXX 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 than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!

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 2020-01-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to reach anyone from experian regarding access to my credit report and membership account. They have an automated system that hangs up with limited options to reach a representative. I have already reset my password but I have a two step verification where my phone number has changed and I dont remember the security answers. Experian offers no way to reset those answers due to not being able to reach a representative.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-27
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: Personal information incorrect

Complaint:
I have attempted to have my address added to my personal information on my credit report several times since XXXX of XXXX. In XXXX of XXXX, I applied for a car loan with XXXX XXXX, myself and the loan officer was told there was no address on my credit file. Once an address was added to my personal information on my credit report, the address was incorrect. On a few occasions, I have provided proof of address and identification with a copy of my driver license and a copy of my bank statement. On XX/XX/XXXX, I applied for a credit card with XXXX. I was denied with a letter stating, I have no credit record available ''. Please help. 
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 2020-02-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ( XXXX XXXX XXXX ) made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX/XXXX  XXXX, also made soft pull requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XXXX/XXXX  XXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date.

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 explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
TransUnion harassment Of XXXX XXXX by Spamming his mail box with the information provided and not investigating and or solving the issue at hand which is student loans that are past the age and need to be taken off of XXXX XXXX Credit report. 
Closing the case by just sending mail of the Loan as it appears on the website... 
Harassing mail documents Please ask TransUnion to cease stop harassment... 
I am getting aggravated Tell Transuion to do some work... 
TransUnion has not upgraded XXXX XXXX XXXX XXXX for the month of XXXX Again please inform TransUnion to do some work and get the message at hand .... 
Workers at TransUnion are getting paid to do a job and unfortunately they are not getting the message after the 20 the time of complaining.. 
Apparently their are no supervisors or head that keep their workers accountable and make sure that people who depend on them while they have more important things like life issues while TransUnion sleep and drink coffee all day... 
Respectfully This is the letter received from department of Ed Again for the 20 the time close student loans XXXX XXXX XXXX XXXX reoprt Remove student loans from XXXX XXXX Credit report And remove delinquency from credit report because the age is more than 7 years as stated by law Transuion closing cases Stating that they solved the issue By spamming mail box .. harassment Threatening mail and not handling the issue at hand

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 2020-02-17
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any paperwork from EOS CCA identifying who they are, what they are collecting for, or why! I have never heard of them, but they are on my credit report! I've disputed the account multiple times with the credit bureaus and EOS CCA and I have been told by the bureaus that it's been verified by EOS CCA! HOW? The only way I've ever gained any information is from an auto dialed call to my work, they did not say they were debt collectors or what their business was! I only recognized the name of the company from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is in non-compliance and illegally reporting Inaccurate false information About me the following alleged accounts are listed as collection And updated With past due balances XXXX XXXX XXXX Is claiming past due balance of {$1200.00} As of XX/XX/2023 XXXX XXXX and XXXX Is cleaning a past due balance of {$530.00} as XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not true accurate, compliant and verifiable Please investigate 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 explanation
Consumer complaint received 2023-07-10
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:
There has been two fraudulent credit card accounts reported all three credit bureaus for several years. This is done by XXXX XXXX XXXX. I have made several attempts over the years to rectify the situation. Every attempt has resulted in the information still reporting incorrectly. Ive asked XXXX XXXX XXXX to provide me with account signatures and details and I have felt to do so. They say that the account is legitimate as per my telephone number. Im a public figure and my number is used in share by many people. I have never looked at the address that they claim legitimizes the account. I am seeking help to finally rectify the situation as these is a fraudulent accounts. 

Again, I have asked XXXX XXXX XXXX  for proof of documentation and contracts and it never has been provided to me. 

These are the credit cards as per Experian : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

Here is the fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca 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 2021-03-01
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
In 2011 or so Google marketed a free version of " Apps For Your Domain '' at anyone who wanted vanity/personalized email accounts other than XXXX account. However, they phased those out and now focus only on business ( G Suite then Workspace ). They've left in the free legacy accounts, but they converted them to business accounts even though ours has nothing to do with business. We've been trying for months with numerous agencies to find someone at Google who will help us convert the old " Apps For Your Domain '' account to personal accounts and preserve purchases and settings in the app. Google refuses to acknowledge us unless we pay to upgrade to an Enterprise account at our cost, which shouldn't be necessary to just get out domain/accounts converted back to a personal account again ( which a company with the know how of Google should be able to do easily ). The best we can find on their forums is that we just download a raw dump of all our Google data ( Google Takeout ) and lose all purchases and anything else we've done. To bad so sad. Neither the FTC nor the FCC has been able to help. Hopefully the CFPB can since now Google is making changes to their consumer financial product.

Now we come to the new issue. Google is getting converting their Google Pay digital wallet and tap-to-pay service to a new Google Pay service. However, they will not let business/enterprise users ( which apparently we are ) use the new service, so we are going to lose our digital wallet and tap-to-pay services that we have quite a bit of financial information in.

I attempted to contact Google to ask about the new Google Pay, and all I got was that it won't work with enterprise accounts and that I need to create a new, separate XXXX account for it to work. But they did not even acknowledge my question about converting my " business '' account to a personal account or why they are otherwise kicking so many users out of their financial service without a viable alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help

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 2020-11-04
Company: Experian Information Solutions 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. HERE THE FTC # 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