BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: Colony Brands, Inc.
State: AR
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 received my response back from XXXX XXXX from the CFPB on XX/XX/2018 and XXXX XXXX stated that they are not required to show original contract,, XXXX XXXX still violated my right by not responding to my certified letter by mail, ,within 30 days I've showed proof that I sent them a certified letter and proof the day they received it, by law they were supposed to respond to my certified letter,,, I haven't gotten no response from them my mail,,, I even asked to received information on the verification process that was done to verify the account that's reporting on my credit file, they still haven't sent it and its pass the 30 days that they were allowed to reply back which they have not did,, I am a consumer and they supposed to respond back to my certified letter if they reporting items on my credit report,,, I asked for information and by law I should have received a response within 30days. they failed to do so XXXX XXXX has violated federal and state laws,, by not replying in a timely manner,

Company response to consumer: Untimely response
Consumer complaint received 2023-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit balance of {$790.00} on my credit/debit card. I called the credit card department 6 times to get this credited back to my checking account. I even went to a branch twice to have this issue resolved all to no avail. I was told it would take 10 business days for this to be resolved and it is way beyond the time period. >This is fraud on behalf of Bank OF America and I will see it through. XXXX : CASE ID- XXXX XXXX XXXX This issue started on XX/XX/2023 and I am still waiting for my refund

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 2023-04-07
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-11
Company: EQUIFAX, INC.
State: TX
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:
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. 

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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 



XXXX XXXX, personal XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was Citibank customer for couple years. I used personal checking account to pay my bills, mortgage and shopping. 
I was never late with payments or at least I don't recall any late payments. 
Recently I opened my XXXX business and opened citibank business account. Bank representative asked me to deposit at least {$5000.00}. My wife is also Citibank customer. She took certified check from citibank for {$10000.00} and gave it to me so I can deposit it on my business account. I believe I deposit check Monday XX/XX/2023 in citibank. 
Friday XX/XX/2023 when I logged in to my bank account I noticed my personal checking account is not visible. I called citibank to ask if they can help me. Bank representative explaind that my account is blocked and bank is canceling all agreements with me. He couldn't tell whats the reason of cancelation. 
Since I didn't have online access to my citibank business account, I went to the bank to check if my business account is closed as well. Citibank representative confirmed my concerns. 
I don't believe Citibank had any reasons to close my accounts. It will be difficult to run my business without business account. Because of this situation I will be late for the first time with my mortgage payments, my utility bills and my credit card payments, my credit score will suffer as well, it has great impact on my mental health.

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 2022-12-07
Company: TD BANK US HOLDING COMPANY
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:
An impersonator got hold of my SSN and opened a new credit card line with XXXX. The card was is a XXXX XXXX store credit card. It showed up in my credit report and Ive tried to contact the bank and XXXX to get that account out of my credit report. Despite repeated attempts nothing happened. 

Surprisingly, the impersonator was making all the payments until they stopped making them. XXXX reduced the credit limit on the line and now the card is balance exceeds the credit limit and payments are not coming in which is making my credit score go very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Adler Wallach & Associates, 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. 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 4 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: MARINER FINANCE, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information GLOBAL LENDING SERVICES it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Consultants contacted me via mail stating they were attempting to collect a debt. I responded to Diversified Consultants by US Mail requesting debt validation of the alleged debt, including proof the debt belonged to me, proof of Diversified Consultants legal right to collect the debt, as well as an itemized statement of the alleged debt. Diversified Consultants responded with a form letter and a one page copy of a statement that does not include my name, my billing address, or any ability to determine that this statement belongs to me.

I responded to Diversified Consultants by mail again asking for proper validation of the debt. As of yet, Diversified consultants has not responded. On XX/XX/2019 I was made aware that Diversified Consultants had posted a collection to my consumer credit report without properly validating the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
I DO NOT ACKNOWLEDGE THESE INQUIRIES : XXXXXXXX XXXX XXXX  I DO NOT RECOGNIZE THIS ACCOUNTS XXXX XXXX XXXX XXXX Date Opened XXXX  Account Number 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-08-13
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX Experian Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 

Remove XXXX XXXX a.k.a. XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX a.k.a. XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX a.k.a. XXXX, Account XXXX due to true identity fraud. 

The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.

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 2017-10-13
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX formerly NationStar - XXXX XXXX XXXX Texas, XXXX, phone XXXX, holds the mortgage to our home. On at least five separate occasions, I submitted a regular monthly payment plus additional funds to be applied against the principal. When that amount was greater than the monthly mortgage payment due, the company applied the funds to the next monthly payment ( principal, interest and escrow ) rather than applying the additional amount to the principal. After each of these incidents, I contacted the mortgage company and requested that the amount be corrected. The prinicpal payments were corrected. I further requested that future payments with additional funds be applied to principal. On XXXX XXXX, 2017, I contacted the company after the fourth incident and also filed a complaint with the company. I have not received a response to that complaint. On XXXX XXXX, I again made a payment greater than the regular monthly payment due, and the company took two monthly payments out of the amount instead of applying all of it against the principal. Furthermore, the additional interest was not recalculated after these payments. My concern is not only the effect of these unfair practices on my mortgage but the impact on others as well that may not be aware of this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
Im submitting a complaint to you today to notify you that I was the victim of identity theft. I studied up on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 

XXXX OF XXXX XXXX XXXX : {$13000.00} ; XXXX CARD XXXX Balance : {$7400.00} ; XXXX XX/XX/XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$83000.00} ; XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX) XXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-08-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received an offer for XXXX points for opening a Citi Priority Checking Account with the stipulation I make consistent bill payments and a large purchase with my debit card within a certain period of time. I opened the account and funded with {$500.00}, and over the course of the next week, also deposited an additional {$300.00} check, {$500.00} check, and {$2300.00} cash, which would have covered my bill payments, large purchase, and some left over. 

Following this, I learned I was unable to use any of my funds and all transactions, transfers, and bill payments were being denied. I used both online chat and called several times, speaking to a manager last, who all said I could not access my money because a check needed to be verified. However, I rebutted that cash must still be available for me to withdraw since it was a non-suspicious amount and regulations required it to be available, but they insisted that the one check on hold meant they could hold my entire balance.

I asked if they could expedite and they said no. I asked if I could verify the information on the phone and they said no. I asked why my cash was unavailable and I kept getting an answer that my check was on hold, and no funds would be available until XXXX. 

Then I asked to close my account, and they refused. 

It seems as though Citi lured me with a marketing offer, and is now refusing to let me use any and all of my money as my online account and card are locked. I can not withdraw my money to pay these bills, and can not access my funds in any way.

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