BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citibank XXXX services requires that I activate my retirement account in order to roll it over into another institution. This is they make the account activation process almost impossible to complete successfully without require to provide them with an extensive amount of sensitive PII information. They have received my drivers license, employee information details, bill payments details and all the personal information they require in the form including tax information. All of this so I close an account I no longer want. Now they are asking for my Social Security Card which I dont feel comfortable providing because multiple of the customer reps I've spoken weren't able to tell me how they securely handle my private information to prevent compromise. It has been 67+ Calendar days since it started this request with no resolution. 

XXXX XXXXContact CitiBank XXXX XXXX and provided the following documents : XXXX Driver License Account Application form XXXX 24-Resent the following document again Ref Letter Application Form XXXX Drivers License XXXX XXXXRequest confirmation of Receipt with not response XXXX XXXX-Resent Documents again for 3rd time Ref Letter Application Form XXXX Drivers License XXXX XXXX Resent Documents again for 4th time Ref Letter Application Form XXXX Drivers License XXXX XXXXReceived request for additional Documentation Documents provided Previous Year XXXX Water utility bill Ref Letter

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 2021-05-26
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NC
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 accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$540.00} ; XX/XX/Balance Owed : {$4000.00} ; XX/XX/XXXXXXXX  Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/XXXXXXXX XXXX       Balance Owed : {$3200.00} ; XX/XX/XX/XX/Balance Owed : {$1700.00} ; XXXX XXXX   Balance Owed : {$3300.00} ; XXXX XXXX   Balance Owed : {$2500.00} ; XXXX XXXX   Balance Owed : {$1800.00} ; XXXX XXXX   Balance Owed : {$2500.00} ; XX/XX/50000XXXX Balance Owed : {$1800.00} ; XXXX XXXXXX/XX/XXXXBalance Owed : {$2500.00} ;XX/XX/XXXXXXXX XXXX  Balance Owed : {$4200.00} ;XX/XX/XXXXXXXX XXXX   Balance Owed : {$2500.00} ; XX/XX/XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/XXXXXXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ;XX/XX/ XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/ XXXX Balance Owed : {$2500.00} ; XX/XX/ XXXX  Balance Owed : {$4200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized debit transactions on an Able account for my XXXX son : First Occurrences ( card activated via phone and stored in home safe. Never used online or at a store ) - XX/XX/2023 and XX/XX/2023 charges were made, {$3.00} each to XXXX XXXX XXXX XXXX, Georgia. Contacted Fifth Third Bank. They temporary reversed the charges and opened investigation. 

Card cancelled and re-issued. Second card activated via phone and used only once legitimately to buy shoes on XX/XX/2023. ( Card has never been used online. ) Second Occurrence - Three charges plus foreign transaction fees to XXXX ( {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and an XXXX charge on XX/XX/XXXX. All three also have foreign transaction fees ). Fifth Third Bank has opened an investigation. 

My concern is that Fifth Third Bank is not taking strong steps to correct their problems with debit card information. Their response has been to blame it on online bots " guessing '' the card number, date, name, CVV, and expiration date. They also sent a letter encouraging me to sign up for " fraud protection '' with monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 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 2021-05-26
Company: FinCo Services Inc DBA Current
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I USE A FDIC, VISA- DEBIT BANK CARD THROUGH AN APP CALLED " CURRENT ''. YESTERDAY AT XXXX XXXX I RECIEVED A CALL FROM CURRENT, SAYING THAT THERE WAS A PENDING TRANSACTION FROM A XXXX  IN TEXAS, FOR THE AMOUNT OF {$72.00} AND THEY NEEDED TO CONFIRM IT WAS ME OR NOT. I DID NOT GIVE OUT ANY ACCOUNT INFORMATION, ONLY VERIFIED THAT MY PHONE NUMBER WAS ATTACHED TO THAT ACCOUNT THROUGH A VERIFICATION CODE. NEXT THING I KNOW, MY ENTIRE SAVINGS ACCOUNT WAS DRAINED ( {$3200.00} ) AND SENT TO ANOTHER CURRENT ACCOUNT TO A WOMAN NAMED " XXXX XXXX '' ( WHICH IM PRETTY SURE IS A FAKE NAME/ACCOUNT ). THE RECIEPT NUMBER FOR THAT TRANSACTION IS : " XXXX " I IMMIEDIATLY TRIED TO CONTACT THE COMPANY CURRENT ABOUT THIS FRAUD- WHICH ONLY ALLOWS YOU TO CONTACT THEM THROUGH THERE APP XXXX XXXX- AND EMAIL. I DID EACH OF THOSE TWICE, AND WAS SENT BACK {$1000.00} BUT I WAS TOLD THEY MADE THEIR DECISION AND CAN NOT HELP ME. I DONT UNDERSTAND WHY THEY SEND ME SOME, BUT NOT ALL OF WHAT WAS TAKEN FROM ME. I CONTINUE TO EMAIL THEM PLEADING TO INVESTIGATE IT WITH NO AVAIL. I HAVE FILED A POLICE REPORT WITH THE TOWN OF XXXX XXXX XXXX  ( WHERE I LIVE ) WITH AN OFFICER XXXX. 

( POLICE REPORT NUMBER IS : # XXXX ) I HAVE CONTACTED XXXX XXXX XXXX XXXX, ( THE BANK THAT CURRENT HANDLES TRANSACTIONS THROUGH ) AND THEY TELL ME THEY CAN NOT HELP ME BECAUSE ITS A 3RD PARTY COMPANY- AND TO CONTACT THEM ABOUT IT. I HAVE TRIED OVER AND OVER AGAIN TO GET CURRENT TO HELP ME- BUT THEY REFUSE. 

TO SOME PEOPLE {$3200.00} IS NOT ALOT OF MONEY, BUT TO ME IT IS. I WORKED HARD FOR THAT MONEY AND I AM SICK OVER THIS. PLEASE PLEASE HELP ME. MANY THANKS AND PLEASE LET ME KNOW. THANK YOU.. 

-XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: SC
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:
Experian, XXXX XXXX XXXX Account XXXX As a natural person and provider for my family I have a request that inaccurate info inundating my consumer file be deleted and due to the time period also I be paid damages for willful noncompliance. 
Experian and XXXX credit reporting agencies have been reporting incorrect info on an account That was closed by the creditor. After a correspondence with this creditor it has been deemed that the reporting supplied by creditor XXXX XXXX XXXX is inaccurate. Due to these inaccuracies I have been forced to deal with sub par credit with late payments being reported and collection reported at the same time drastically hindering my ability to obtain credit and due to this fact impacting my mode of living and how I provide for my family. I have found through a letter provided by XXXX XXXX has written this debt off due to litigation so this account is now a legal matter and has nothing to do with credit at this point. But regardless my credit profile is showing payment status of collection/Chargeoff for Experian and just in a late 120 days with XXXX. These are not the same status hence inaccurate and should be removed from my credit profile due to serious damages and denials of credit for my business and personal sides simply due to reporting. My File even has good payments in XXXX and XXXX but Collection status for Experian for the same amount of time. I feel as mode of living has definitely been impacted by this gross reporting negligence.

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 2023-02-07
Company: Convergent Resources, 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:
XXXX XXXX XXXX Account XXXX. XXXX My bill cycle ran from the XXXX to the XXXX each month, with payments due on the XXXX of the following month. On XX/XX/2022, I canceled service for line ending in XXXX by completing a port-out of the telephone number to another wireless carrier. The voice lines ending in XXXX and XXXX were then canceled on XX/XX/2022, when I completed a port-out of these lines to another wireless carrier. The account was canceled, and I was clearly instructed to cancel my remaining non-using line ending in XXXX to cancel on XX/XX/XXXX, unfortunately, XXXX tricked me and did not cancel, and I called them again and asked to cancel that number. please ask them to check the call logs. and they sent me the final bill of {$370.00} which I am ready to pay. since my account is canceled on XX/XX/XXXX, XXXX  does not have permission to take money out of my back without giving me a proper explanation or a paper bill. So I stopped the payment of {$160.00} which is the wrong amount anyway. since my bill period is XXXX to the XXXX of every month, I only owe prorated charge of XXXX  days that is {$79.00} ( $ XXXX {$4.00} - XXXX ) + {$34.00} + {$5.00} = XXXX +/- {$5.00} ( Note - this from their letter of explanation - The billing statement dated XX/XX/2022, reflected a balance owed in the amount of {$180.00} of which {$140.00} was for rate plan charges, {$34.00} for equipment charges, {$23.00} for service charges, and a credit of {$16.00} for one-time charges. A payment of {$180.00} was remitted via AutoPay on XX/XX/2022, reducing the balance to XXXX  ) there are XXXX  complaints - XXXX their customer support gave me the wrong information and made all this mess. they didn't cancel my non-using XXXX number since I asked them to cancel on XX/XX/XXXX and XXXX, second, they withdraw money from my back without my authorization or without a proper paper bill, and now charging me {$30.00} for {$30.00} payment return fee.

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 2022-12-29
Company: Convergent Resources, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: IL
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:
Experian Dispute # XXXX XX/XX/22 my Credit Score with Experian was XXXX. As it had been for a long time. 
XX/XX/22 Experian requested I renew my banking link for their " Boost '' program, which I did. 
XX/XX/22 my score dropped XXXX points to XXXX due to new debt of {$820.00}. This was the total of my XXXX, utilities, and garbage bills for the month which are the accounts they use for their " Boost '' program, not debt. I always pay these bills on time. My total credit limit is XXXX with my credit cards with XXXX balances. How could this so called debt drop my score by XXXX points? 
XX/XX/22 I filed a Dispute " as they advised me to '' and terminated my " Boost '' program XX/XX/22 my score dropped another XXXX points for terminating the " Boost '' program. They only gave me XXXX points when I originally joined the " Boost '' program. 

In one week, they reduced my credit score to XXXX points!

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 2023-09-27
Company: EQUIFAX, INC.
State: MI
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 did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22 I sent a request for debt validation pursuant to 15 USC 1692g and Rent Recovery responded back in the mail with a copy of an alleged lease. On XX/XX/22 I requested the method of verification pursuant to 15 USC1681 and Rent Recovery on XX/XX/22 responded back with the same alleged copy of a lease there was nothing else in either letters but that. This is a direct violation of 15 USC 1681a ( e ) as they did not do a proper investigation pursuant to 15 USC 1681a ( e ) with the specific instructions given by congress. Per congress, the instructions are made clear and Rent Recovery continues to violate federal laws by not properly responding and abiding by the structure given. I have attached my debt validation form and my debt verification form for review in proving that under FEDERAL law I am properly requesting this information to be properly answered and given to me in the timely manner in which I have asked. A lease is NOT a proper way to validate nor verify that this alleged debt they continue to furnish is mine!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX  got hold of my credit and debit cards while I was in XXXX XXXX  and illegally used them. I found out ID Theft was done to me when fully released from XXXX XXXX  on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in XXXX and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and 2 cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police 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 2023-09-27
Company: EQUIFAX, INC.
State: SC
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 following creditors have violated my rights. Under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment as late under any purpose.

Company response to consumer: Closed with explanation