BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I just opened a high yield savings account about a month ago. I am trying to transfer some money from this account into my XXXX XXXX account but Citi is refusing to transfer MY MONEY. Every time I try to transfer, I get an " Access Blocked, For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention Error Code MFA ''. I then call customer service and they are no help. I want to transfer my money using the " instant transfer '' method and I refuse to use the " wire transfer '' method as that costs {$25.00}. This is extrememly frustrating and I have noticed a lot of other people have been having the same problems. This needs to be fixed now Citi. Now..

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 2023-12-12
Company: COAST PROFESSIONAL INC
State: GA
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 attached a cease and desist letter and a letter requesting that this alleged debt be validated by Coast Professional , Inc. I do not have any agreement with this company nor do I owe Coast Professional, Inc. anything! I do not know why this company has any of my personal information. Coast Professional , Inc. is attempting to collect an alleged debt amount that is not accurate and I have proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Elevate Recoveries, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had gone to an ER for treatment on XX/XX/XXXX. I was billed twice for this visit. One came from the hospital to my current address and I paid my portion after they submitted it to my insurance company. The other came from the doctor/ER and that was sent to an address I hadn't resided for over 10 years. I didn't learn about this other bill until I checked my credit report in XX/XX/XXXX and discovered it had been sent to a collections agency ( Elevate Recoveries LLC ). After speaking to the agent, she said they tried to contact me ( at the old address/phone number and I had no knowledge anyone was trying to contact me ). I tried to explain the hospital made an error and should have sent that bill to my insurance company instead of billing me directly. The hospital never went through my insurance company. Again, I tried to explain that I knew nothing about this and the agent said it was too late to dispute this and I had to pay the amount of {$1000.00}. Although, she did add they would settle it if I paid less ( around {$700.00} ). Since I wasn't getting anywhere with this agent, I contacted the company that sent the bill to collections ( XXXX XXXX XXXX XXXX ). I explained to them that they did not submit the bill through my insurance company as they should have. Since this was billed in XXXX, the woman helping me wasn't able to do much anything else. I contacted my insurance company and explained all of this to them. That same day ( XX/XX/XXXX ), my insurance company sent a Certificate of Coverage to XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX confirmed they received it on XX/XX/XXXX and sent notification to Elevate Recoveries LLC that it was being handled by my insurance company. Elevate Recoveries LLC still has the collection amount of {$1000.00} listed on my credit report. I have tried talking to them on several occasions but they keep transferring me to the same agent assigned to my case. I tried explaining this to her but all she would say is that I had to pay it and it was too late to do anything else. She would not let me speak to a supervisor when I requested to do so. I feel that I can not reason with them so I am reaching out to you for your assistance in clearing up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the information is inaccurate.

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 2023-06-19
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: Was not notified of investigation status or results

Complaint:
I sent this Credit Reporting Agency a dispute with several accounts that were inaccurate, incomplete, and asked them to be verified and updated and got no response. The CFPB website said under the Fair Credit Reporting Act that the Credit Reporting Agencies only have 30 Days to investigate and respond to the disputes however, I have disputed these items with XXXX on more than one occasion on XX/XX/2023, XXXX, and XX/XX/2023 and they have yet to respond. How are these credit reporting agencies allowed to violate consumer rights and not comply with the Federal Law? Did the law change that credit reporting agencies no longer have to respond to disputes? It's hard enough in the current economic times to stay financially stable and then you have these credit reporting agencies allowed to report misinformation that is hurting your credit scores and your opportunity to improve your economic situation. Isn't the CFPB supposed to protect the rights of consumers and hold the credit reporting agencies in compliance? Please help 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 2023-12-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX , CT XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}.

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 2023-09-26
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Affirm Holdings, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ordered a PC from XXXX XXXX XXXX Order # XXXX. 

They applied with Affirm with partial of the cost to their " payment system '' to pay off over time. While I put some upfront, the rest I applied for credit for. 

Upon having issues with XXXX filing several complaints and dealing with fraud on their side since I didn't receive the item I purchased. Rather I receive a fraudulent computer with removed serial numbers. Which is against the law. I called up Affirm to let them know that the item was counterfeit. They couldn't find any account information, only that it was attached to my social security number. 

EVERY stupid attempt I made to get it changed for my personal information, I would have to talk to some XXXX XXXX XXXX XXXX XXXX and then deal with their nonsense of NOT UNDERSTANDING ANYTHING. I am saying. Then told me they couldn't access or " Prove '' who I was. When I was literally sending them multiple ID 's. 

I finally reached a manager at one point and sent over the information of the missing parts and PC with the FTC complaint and the PC being junk. The XXXX company also claimed that they wouldn't give me the serial numbers and " didn't have them ''. 

I was told that they would handle it with their fraud team. I was called from their fraud team a few weeks later. We settled the issue, as I thought. Because I dictated to them the penal codes and illegal XXXX that was going on. They claimed the issues was resolved. Here I am several months later seeing that it wasn't. AGAIN, calling their stupid office up to deal with the same XXXX. Only to get the same runaround. They can't prove who I am. 

SO OBVIOUSLY. It's not my debt, if they have no idea who I am and someone used my Social Security number to make the account. If I can't pay the XXXX bill or am allowed to discuss it. THEN ITS FRAUD. The company supported the fraud and is continuously supporting it by not allowing me to do anything with it. XXXX XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: FL
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  IS REPORTING INACCURACIES ON MY CREDIT REPORT!!! The original issue I had with XXXX XXXX  is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. The account was removed from XXXX but still listed on both Equifax and XXXX. I am demanding that XXXX XXXX  and all three credit bureaus remove this debt immediately or I will take further actions against them and their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: NV
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:
Privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX # XXXX Account name, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 reasonable cause to believe that the information is inaccurate.

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 2023-03-09
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
1. Zwicker & Associates sued me in the wrong jurisdiction and in a state that I was not living in at the time. Please see attached. 

2. Zwicker & Associates received a judgement against me, applied for and received an Appointment of XXXX XXXX on XX/XX/XXXX. I secured counsel on XX/XX/XXXX to represent me in this case. Multiple attempts have been made since XXXX to contact this law firm with no response. Emails have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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:
Inaccurate information on credit 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 2017-12-18
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I had a loan with national Collegiate Trust. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because National Collegiate Trust has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did a dispute online with XXXX and a chat representative and I explained that the Wells Fargo account is reporting past the seven years and is impacting my score and financial means of getting credit cards and loans.Wells Fargo sent me a lien release and a title to confirm this account should not be reporting on my credit.XXXX  XXXX did a quick investigation and still let this negative account stay on my credit profile and refuse to remove it.So I need this resolved so it does not continue to impact my life severely and Wells Fargo should corporate and this was removed from my XXXX profile and now I am go through all the credit bureaus to make sure this is resolved and removed from my credit profile.Wellsfargo shouldve taken care this with the credit bureaus and they informed me that they would which is not true.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX I have disputed information on my credit report that I have not provided to any Credit reporting agency. When I disputed this information on my credit report to TransUnion, XXXX, I was told by both agencies that their information is accurate and was validated by the Federal Bankruptcy Court house XXXX XXXX Utah provided them with my personal information and I would need to contact the courts. Which I so happened to do so and received a letter stating no such information was given. TransUnion, XXXX both lied. This information was added to my Credit Report without my Knowledge or Consent! in my letter I'm directed to contact the Attorney General, FTC. I request that TransUnion, XXXX either provide documents they have legal rights to add this to my credit report or delete this file. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] you need to remove the follow accounts : XXXX XXXX XXXX XXXX Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Status Petition for XXXX  XXXX Bankruptcy. 
Status updated XX/XX/XXXX XXXX  XXXX bankruptcy petition Date filed XX/XX/XXXX Date resolved - Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XXXX XXXX Further, Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

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