BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX I received notification that I had a 30-days late on my credit report from Citizens Bank . I called Citizens on XX/XX/XXXX and after speaking with a representative it was brought to my attention that Citizens Bank had an incorrect mailing address on my file and was sending statements to an incorrect address, they stated that it was likely an internal error from XXXX the alarm company as they do all their financing. I was informed by staff that they would update my address and clear my credit report of the 30 days late due to this error on their end. I was given a rep name and reference number ( XXXX XXXX on XX/XX/XXXX XXXX ). This correction never occurred. 

Today I received notification of another 30 days late added to my credit report from Citizens Bank. I called and spoke with a rep who informed me my account was almost 90days past due. I verified that my last payment was XX/XX/XXXX, and I informed the rep that during that last call in XXXX, I set up automatic payments. I asked the rep how could my account be behind when I signed up for automatic payments? She stated that she did not know, and I requested to speak with a manager. I waited on hold for 30 minutes and was told that a manager would call me back. 

I find it truly troubling that this company is allowed to make numerous errors in their system and penalize me by making incorrect reports to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit collection service has placed a delinquency on all three of my credit reports claiming I owe {$75.00} to XXXX. I am XXXX yrs old and this is the very first collection ever, let me say that again, EVER placed on my credit reports. I have requested for Credit collection to provide me with a full accounting and proof I owe this money, including the dates XXXX claims I owe this money for. 
NOTE : Somewhat suspiciously This debt is being reported under 2 different collection agencies addresses ; CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX and CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I have previously disputed this debt on XX/XX/2023, and am again disputing this debt, As I have now been denied credit as a direct result of Credit Collection Services violations which now has caused me Material Harm. 
I did have a XXXX account yrs ago but canceled it, yet it seems XXXX continued to charge me anyway. 

Additionally, Credit Collection Service has reported this debt to XXXX, XXXX and XXXX in violation of the FCRA & FDCPA, as a result this debt MUST be removed from the credit bureaus immediately until a proper investigation is conducted. Regardless, I am filing a small claims lawsuit for {$6500.00} against Credit Collection Service since the time they had to conduct a proper investigation has ended. 
Note : seems Credit Collection Service has a history of violating the law, see.. Berkowitz v. CCS Credit Collection Servs., and Riccio v. Credit Collection Servs. Also see Mary Schneider vs Credit Collection Services and many many more.. Seems Credit Collection Services previous legal battle losses and fines hasNOT deterred them to abide by the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The XXXX that I received through XXXX is XXXX for TransUnion ( and higher for XXXX and XXXX ). However, XXXX XXXX XXXX XXXX informed me that the one hard pull of my TransUnion credit score gave me a score of XXXX. I froze my TransUnion credit report following identity theft incidents and I have not been notified of any activity on my report other than the XXXX XXXX XXXX 's hard pull which happened once after I temporarily lifted the freeze today. My credit report does not show any negative marks, I have had no delinquent accounts and I have had no major event that would have required a hard pull on my credit before today. Why is there a huge discrepancy between the two scores I have received? 
Also, I updated my information with TransUnion ( and the other 3 credit bureaus ) multiple times, however, TransUnion still does not have my most recent employer listed and they continue to list my husband 's number on my credit report. I am also concerned that TransUnion has my maiden name listed in my file still ( this is the information that I also see with XXXX despite my updates ) and my married name listed on its website.

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 2023-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Sunday XX/XX/26 morning I tried to use XXXX  in order to pay {$40.00} to my hairdresser. Bank of America put this payment on hold for review. Turn out the bank has NO review team during the weekend and I have to wait 24 hours for this review process. In the mean while there is also no option to cancel it and I was stuck with no payment option in the store. I spent more than half an hour over the phone with the bank and they didn't provide any solution. I expect CFPB to force the bank to have this review team available during all hours that the XXXX is available. This is a common complaint I hear about Bank of Americas and CFPB should take action as the bank is taking advantage of consumers

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 2021-09-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from Barclays Bank. I shoes as 2 different Credir cards opened same day from the same company. 
I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit. 
One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.

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 2023-09-17
Company: Experian Information Solutions 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:
This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX online for debt removal. I filed a XXXX XXXX and a debt removal form earlier this year.

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 2023-09-18
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capio Partners a debt collector harassing me to collect {$300.00} from XX/XX/XXXX of XXXX without any billing notification mail or email notification after 2.5 years. XXXX XXXX ( XXXX XXXX ) harassing me all of a sudden after 2.5 years without no billing notification, mail or email notification telling me I owe {$1100.00} in medical bills. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is terrible after 2.5 years without notification that these debt collectors are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. 

In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. 

This medical service at the time was under an attorney for medical malpractice. 

I am filing a complaint, I would like this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquiries appearing on my credit report I have attached supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2021-09-27
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 have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

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 2023-09-20
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I have sent all the correct information to the credit reporting agencies and the FTC report according to the FCRA. My disputes are not being processed correctly and I am not getting copies of the verification process These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a
seriously unfavorable relation to my personal ability to obtain a present loan application. I
highly recommend you generate verification that Credit Union has been reported
completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-08
Company: Account Control Technology, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Account Control Technology , Inc., has not honored my cease and desist telephone communications requests. Several times inXX/XX/2019, specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment. 


Under the threat of an administrative garnishment, not having the money, feeling belittled by ACT, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. ACT collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing ACT with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records. 


Today, XX/XX/2019, I again received several calls from a number that ACT called from on XX/XX/2019. On the XX/XX/2019, call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, today XX/XX/2019, ACT sent me an email about the debt. It has become unbearable. 


Also, I spoke with XXXX, the federal student loan servicer, to ask if ACT was collecting on their behalf and the XXXX  representative said " no, '' which increased my suspicion of ACT. ACT began each call with me by stating that " they've been hired by XXXX  '' to collect, which caused me a lot of stress.

I ask that all the calls connected to the account on which ACT is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that ACT not call me ; - My communications with ACT reps were abusive ; - ACT reps deceptively represented to me that they were hired by XXXX  to collect the debt ; - ACT used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - ACT may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
( 1 ) XXXX credit report is showing that I applied to XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2021 I did not. XXXX did not investigate this hard inquiry. XXXX did not show any evidence that I authroized such inquiry. 

( 2 ) XXXX XXXX XXXX, XXXX and TransUnion are not reporting my correct address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX and TransUnion are infact harassing me on the new address ( 3 ) XXXX  XXXX XXXX is not reporting correct credit card balances

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 2021-07-29
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
We purchased an item through XXXX on XX/XX/XXXX. When we realized that we were deceived by the seller, we contacted CITI and filed a dispute with their department, case # XXXX. At that time we clearly informed CITI 's dispute dept. that we had the merchandize and that we would send it back to the seller if the seller pays for the return shipping cost. The seller refused to pay for the return shipping. CITI then reversed the charge of {$1700.00}. 

After over four months and many emails with CITI, on XX/XX/XXXX they informed us that they had reversed the credit because we were in possession of the merchandise, the fact which they were aware of when we filed our dispute on XX/XX/XXXX Their dispute department clearly did not read any of our responses and denied our dispute based on the fact that we had the merchandise, the info they were aware of on XX/XX/XXXX! 

We then followed up by filing a complaint with CITI 's Executive Office. However, we later received an automated email stating the same irrelevant reason for denying our request to reverse the charge. CITI 's Executive Office personnel paid no attention to our many emails to them and their dispute department and refused to reverse the charge of {$1700.00}, even after XXXX informed us that that option still existed for CITI to debit XXXX. 

Their first excuse was that the deadline to reverse the charges had passed. Then, they changed the excuse for not reversing the charge was because we still had the merchandise! 

CITI bank has failed to protect us, its customers, by their poor handling of our dispute and dragging the issue unnecessarily, and finally, denying our claim based on the information which was available to them over four months ago.

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 2021-11-09
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. 
XXXX XXXX - XXXX XXXX ***** Opened XXXX XXXX XXXX Balance {$2100.00} // Charge Off XXXX XXXX USA ***** Opened XXXX XXXX, XXXX Balance {$2100.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
The company was Barclays. XXXX I made conctact with them on XXXX and filed a complaint after I kept receiving bills in a married name that I used over 25 years ago, and I have never had or applied for a credit card thru them. They advised me that on XX/XX/XXXX credit was applied for and a issued to XXXX XXXX, and it was for XXXX and they had all my information SSN and DOB and current address. When I asked what it was used for they advised that on XX/XX/2023 for 8 days in a row the card was used at XXXX in Florida for XXXX each day, and then at XXXX XXXX in California for the amount of XXXX and the phone number for them was XXXX. I asked what can I do about it, and they advised they would investigate. Then just a few days later I received a letter that all the information was correct and it was my debt. I'm a XXXX XXXX  and I have a credit score of XXXX. I do not need bad credit on my report, especially one that I did not create. I made a police report. Approximately one year ago XXXX XXXX XXXX, in XXXX, texas sent out letters that their Computer systems had been compromised and everyone 's patient data had been obtained by someone on the web. I have had no problem til now. I just don't know what or where to go from here.

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