BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I have disputed 2 medical charges that ended up on my credit report with all 3 credit bureaus. XXXX   and XXXX have responded and stated that I was correct and these were not my bills nor could have provide valid proof and they have removed these from my credit record. Equifax on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Equifax has dropped my credit another XXXX points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have not been able to access my account. 
My account has been blocked from the day it was opened and I didn't know this. 
on XX/XX/2018, I called customer service and no one was able to tell me why my account was blocked. they said they'd get back to me but never did. 
on Tuesday, I went to the XXXX branch and the manager called customer service but they were not able to tell him why the account was blocked. 
On Thursday XX/XX/2018 the lady who spoke to me was very rude and she hung up on me when she couldn't tell me why my account was blocked. Her name is XXXX XXXX. 
I called back and the second lady couldn't tell me why my account was blocked either, she only said she would connect me to the branch manager,  XXXX XXXX, who happened to be very unprofessional. 
My account was blocked for no reason at all, apparently someone from the branch blocked my account, I think it was the branch manager for no reason. She is very XXXX and spiteful. 
This has been very inconveniencing for me. I can not use my money. I am livid and Citibank is known for this. 
.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this may concern XXXX, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse XXXX XXXX XXXX XXXXXXXX {$300.00}, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$500.00}, XXXXXXXX XXXX XXXXXXXX {$2000.00}. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2017-05-10
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   2017 , I noticed th at Enhanced Recovery Corp.  was reporting a debt to all   XXXX   credit bureaus. I did n't have prior knowledge about the alleged debt. The original creditor listed is  XXXX .  XXXX  never sent me a letter informing me of an account that was being purchased/assigned to a collection agency. Additionally, ERC never sent me a dunning letter. Upon my discovery,  (   XXXX     2017  ) I sent ERC a debt validation letter. In turn , (   XXXX     2017   ) they only sent me a copy of a billing statement. This billing statement did n't even contain the addre ss of the original creditor. Furthermore, I know under the FDCPA ERC has violated my rights as a consumer by reporting an unvalidated debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: AFNI INC.
State: MS
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:
A debt collecting company, AFNI, placed a collection report on my credit report before they even sent me a notice of collection. The account is FALSE and they never gave me the chance to dispute it before placing it on my credit report. They placed the collection account on my credit report on XX/XX/2019, but the date of their first and only letter to me is XX/XX/2019, a full TWO MONTHS EARLIER! 

The account is not only DISPUTED, it is FALSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My account at XXXX XXXX had a XXXX balance. Then on my statement, there was a charge of {$1100.00} On the next statement, a fee of {$29.00}. was charged for LATE FEE. Now my balance is {$1200.00}. The next statement. Two months later, my balance is XXXX with a credit that says XXXX and purchases of {$2400.00} giving me a new balance of {$1700.00}. I have called so many times, I could not even begin to remember the dates. I filed a fraud complaint, and they always came back saying I owed the money. This has been going on for 4 months. I am afraid that they will report this to the credit bureaus. I had an excellent payment record until this. I am a senior citizen and feel that I am being taken advantage of.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Company Name- XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX  XXXX , New Mexico Year of Loan- 2013 Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines

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 2023-10-18
Company: Higher Education Servicing Corporation, Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern at Consumer Financial Protection Bureau, I am writing to formally dispute the negative reporting on my credit report concerning my account with the Higher Education Service Corporation ( HESC ). Below is a summary of the issues that have led to this dispute : Higher Education Service Corporation ( HESC ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Account XXXX XXXX XXXX XXXX XXXX Loan # : XXXX Loan # : XXXX Change of Payment Address : HESC changed their payment address without adequately notifying me. They claim to have sent an email on XX/XX/23, which I have not received despite thorough checks of my email, including spam and junk folders. 

Misdirection of Payments : Due to the lack of communication about the address change, my payments were sent to the old po box and were not applied to my account. This led HESC to place my account in a 60-day past-due status.

Negative Reporting to Credit Agencies : As a result of the misdirected payments, HESC reported negative feedback to all credit agencies, including XXXX, XXXX, and XXXX, severely impacting my credit score and financial standing. 

XXXX XXXX : I immediately corrected the outstanding balance once I became aware of the issue. Despite this, HESC has refused to retract the negative reporting, stating that " no servicing error has occurred. '' Good Faith Attempts : I have made all payments in good faith based on the information available to me. I have also made immediate efforts to resolve the issue upon becoming aware. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and remove the negative reporting from my credit report as it is unjust and impacts my financial credibility. I have acted in good faith and expect the same from HESC XXXX, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In or around  XXXX    XXXX  , I opened another checking account to have my paycheck directly deposited. My employer required that I attach a voided check to the payroll request. I already have a checking account which I have been depositing to for several years, however, I needed to switch to the new account to be able to close the ol  d one.
Chase took a monthly fee out of my new account and the charge for the new checks. This caus  ed my account to go belo w 0 .  On  XXXX   XXXX , my employer attempted to deposit my paycheck, however the new account was closed. I NEVER received notice that the account was going to be closed.     A fter 20 minutes on a customer service call to India?, I was told that the new account was closed, and that my paycheck was never deposited. I called back and spoke to another customer service rep for an additional 45 minutes who told  me that the reason my new account was " rejecting '' the deposit was due to the name on the check not matching the name on the account- being my initials and not my full name. This is odd since I 've been deposit  ing my check with Chase for 17 years. They could have just looked at last month 's check, if that was the case. But it was n't.
The real problem is that they used up all of my money on fees and checks, then closed my account before my employer had a chance to switch the account numbers (  beyond my control ). Now, it will take my employer another 2 months to change account numbers and I 'm back at square one. I have checks that are no good since the account is closed, a paycheck with no account to   go into, and I 've lost about {$50.00} in fees.     I want the new account reopened, immediately. I do not want to open another new account, order new checks, and hav e the same thing happen again due to the lapse in timing between my employer and the bank. I have been with Chase for 25 years, I have multiple credit cards with Chase, and I have family members with Chase. If I find out that this also negatively affected my credit, I will never use this bank again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Incomm Holdings Inc.
State: WI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased Prepaid Visa from Vanilla to give to my son during travel outside the State. He made 1 small purchase which went through. 
He tried to make a 2nd purchase, and the card declined. I went to the website on XX/XX/XXXX ( Vanillagift.com ) to check balance of card and the site would not recognize my card. I called Vanilla at the XXXX to lodge complaint on XX/XX/XXXX They told me they " detected fraud '' and that there was a {$53.00} balance. I told them all the information on the card that they requested. They refused to turn the card back on. 

I told them I want a refund for the balance or a new card. They requested my address to mail out a new card and said I would receive one within 30 days, or they might request a copy of my original purchase receipt ( Which I have ).

I still have not received any communication from them. There is no contact information on the website for an address or even an email. The phone number is all they provide, with agents who barely speak XXXX and difficult to understand. 

There are hundreds of complaints about Vanilla gift cards online, along with one agency who said they have approximately 7 % complaint resolution. This could be potentially $ Millions of dollars scammed from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX *XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

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 2023-03-09
Company: Comerica
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Surprise charge of {$13.00} per month for maintenance fee on XX/XX/2023 and XX/XX/2023. I realized it today, XX/XX/2023. I was never given a warning that my account would be charged the fee. Nothing on website describes what it is for. I have been banking with this institution for over 10 years. I called and the representative said that this was because my balance was under {$1000.00} and this threshold was information that I apparently was given when I opened my account over 10 years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-18
Company: Absolute Resolutions Corp.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to express my deep concern and file a formal complaint against Absolute Resolutions I, a debt collection agency, for actions that have had a severe and adverse impact on my consumer rights and credit standing. I believe this company has engaged in troubling practices that are in direct violation of federal consumer protection laws. 

My primary concerns are as follows : Lack of Written Disclosure : Absolute Resolutions I furnished information about an alleged debt to consumer reporting agencies without any prior written disclosure to me. I was never provided with a notice of the alleged debt, its origin, or any written communication prior to this information appearing on my consumer report. 

Failure to Validate the Debt : Despite my requests, Absolute Resolutions I has failed to provide any validation of the alleged debt, including the required documentation to substantiate its legitimacy. 

The impact of these actions on my financial well-being has been significant. This lack of written disclosure and failure to validate the debt has resulted in negative entries on my credit report, potentially harming my creditworthiness and limiting my financial opportunities. This situation is deeply concerning, as it not only affects my financial stability but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention to address this matter and ensure that Absolute Resolutions I complies with all relevant consumer protection laws. 

I believe that Absolute Resolutions I 's actions are in direct violation of the FDCPA and have had a detrimental impact on my credit report. These practices are not only unjust but also harmful to consumers like me who are working diligently to maintain their financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Empower Finance, Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I requested a cash advance XX/XX/XXXX  to my XXXX XXXX  account ; they said it was sent, but I never received it. I provided photos to the company of my account that prove it was not deposited to my account. I asked for tracking or something so I can speak with my bank, but they have provided nothing. They just keep saying they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Valon Technologies, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My XXXX, XXXX, and XX/XX/2023 payments keep getting rejected by Valon mortgage. They keep blaming my bank but my bank and saying my account numbers are incorrect but my bank has confirmed all my numbers are correct and there should be no issue. I have setup " Autopay '' many times and for a reason they are unable to explain, Valon Mortgage keeps turning it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Law offices of Steven Cohen LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I received notice from my bank that one of my accounts were frozen. Found out who put the freeze on my account through the bank. I had not and still have not received any verification or paper work verifying that this debt is mine. 
On XX/XX/2023 contacted XXXX XXXX of Steven Cohen LLC, XXXX NY. During the conversation I explained that I had no idea what debt I might have that needed collecting. I asked if I could be provided with any information regarding the debt, including a debt validation letter. He verified my mailing address and said it would be sent to me. 
I emailed XXXX XXXX on XX/XX/2023 again asking for any information regarding this debt. I still have not received any communication from them to this point. 
Since then Ive heard nothing from them. Ive not received any information for me to even be to able to verify if the debt is mine. My account is still frozen and there has been no word from the collector. Its been almost 6 weeks

Company response to consumer: Closed with explanation