BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was affected by the COVID National emergency, and my credit score got down, now Citibank closed my XXXX XXXX XXXX that I usually use to buy the food and other expenses. I never was late on this credit card and already settled the late credit cards affected.They told me that will reopen account and now they informed that they will not reopen the card. The misleading all the information provided and I need the Credit Card.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX XXXX  sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX XXXX  to get me a rental. I been dealing with a lot with this company. I just want the remarks removed

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 2023-01-25
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-12-12
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received an email from Receivables Performance Management (XXXX) dated XX/XX/2019 and what looks to be a notice about an account which includes a link to access a secure message.  When I clicked on the message, it is an attempt to collect a debt on behalf of a creditor.  The email did not contain any information or indication that they are a debt collector and they did not provide the following information:(1) whether they are permitted (with a known permit number) to collect debt in the state  of North Carolina of which I am a resident(2) they did not identify themselves as a debt collector(3) they did not identify the creditor of the debtI am attaching a screenshot of the email that I received as reference.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}

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 2021-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent 3 transactions totaling XXXX to my broker through my bank. Had 2 of them recalled because I changed my mind but could not recall the third transaction which was for $ XXXX. 

I have all the documents from my bank and my chat with the broker rep. Im still out XXXX Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 non-monetary relief
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-03-25
Company: Synovus Bank
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CL Holdings LLC
State: KS
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:
Jefferson Capital Systems did not sent me any verification by email or mail letter to show that the debt was my. I have disputed this debt through XXXX show as verify with out any proof of information that was ask by mailing letter and digitally uploaded, and yet did not show me any proof of letter of my signature that I own on this debt I already have been asking for the verification letter over pass 60 calendar days, but yet again and again Jefferson Capital Systems fail to show me any proof of verification of the debt, and keep reporting on my credit report as verified. Jefferson Capital Systems continue to be little consumers this company conducting the business is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I mailed a letter requesting for XXXX  to validate the debt they are reporting as a charge off and they have not replied to my mail..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a XXXX 's credit card account for several years. In XX/XX/XXXX My wife and I divorced and as part of the settlement I paid off all credit card debt including XXXX 's. I did not use the card after that time. Because there was a XXXX balance on the account, I did not expect to receive any statements. In XX/XX/XXXX I was prompted to pull my credit report when a credit card I actively use sent me a notice they were lowering my limit. To my dismay, I discovered that XXXX  's as well as XXXX XXXX and XXXX XXXX all had balances on them and were 90 -120 days delinquent. I contacted all of these companies and discovered my ex-wife had conducted an account take over on all these accounts. She changed the address, phone number and email address to her contact information. All statements and attempts to collect debt were going directly to her. I had no knowledge of this activity until I pulled my credit report. What she had done was essentially use the cards and pay the min payment until they were maxed out and then stopped paying. I worked with XXXX   XXXX and XXXX XXXX who both determined it was fraud and reversed all negative credit reporting as well as remove the balance as a debt I owe. I have tried to the same with XXXX 's and they refuse to work with me. In fact they charged me almost {$200.00} for me to order statements I never received since the address on the account was not mine ( again, fraud ). I had to have those statements so I could itemize all disputed items. Every transaction was completed online and shipped to an address I never lived. I filled out the fraud dispute and sent them a picture of my DL as requested. In the meantime they continued to charge me late fees and charged off the credit card balance. What started off as a {$600.00} balance has ballooned to over {$1000.00} due to fees and the amount of money they charged me for statements. They will not honor my fraud claim. I can even prove with lease agreements that I did not live at the address everything was sent to. The email address attached to my account was my ex-wife 's name. Its very clear this is fraud. I'm a United States XXXX XXXX veteran who served XXXX XXXX in XXXX and XXXX in the XXXX XXXX  XXXX. XXXX  's unwillingness to recognize this as fraud, remove the debt and reverse the charge off and all late payments that are a result of this fraud are not only impacting my XXXX, but my ability to qualify for a VA loan so I can purchase a home of my own.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-03-21
Company: EQUIFAX, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I opened an account with Chase online using my XXXX XXXX account to fund the account with {$25.00}. I made a deposit on XX/XX/XXXX of {$2300.00} at the branch which consisted of 2 checks. One of the checks was my pay check XXXX {$1200.00} and the other check was my mother 's tax refund which she had given to me XXXX {$1100.00}. My mother was with me at the drive up window, provided her ID and we double endorsed the check. Within about a week of that deposit I tried to use my debit card at XXXX and the payment was rejected. When I contacted Chase they told me that my account was restricted because they needed to verify the checks that were deposited. They contacted my mother twice to verify but stated they could not contact my employer to verify because he was not listed in some database. I was told that we needed to go to a branch with his ID. Because he is in TX and I am in FL, he went to his local branch at the same time that I went to one locally. They told him they could not speak to him and he would need to call in and told me to come back another time because they were busy. When we called, the rep again stated that they could not verify him because he was not in the database. The check had already cleared in his account and was showing in my account, except my account was restricted. I was in the hospital for over a week and could not follow up on it. When I got home on XX/XX/XXXX, there was a check in the mail for the balance in my account and the account had been closed. The check did not include the funds used to open the account of {$25.00} ( each for my checking and savings ) nor did it include the funds from my pay check of {$1200.00}. I asked my employer if the funds had been returned to his account and they had not. I went to the branch on XX/XX/XXXX and was told that the money would remain in suspense with Chase and my employer would need to file a claim with XXXX to have his funds returned. When he contacted XXXX, they told him that they had never heard of this happening before and said they don't have a mechanism for getting the money back from Chase. He was told that he needs to fight with Chase. Not only will Chase not release the funds to me, they will not return them to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Remove hard inquiry from XXXX XXXX XX/XX/2023 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 2018-08-31
Company: National Bond And Collection Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive SSI Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX-XXXX XXXX. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX XXXX   XXXX. I pay through the Pennsylvania XXXX  website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-10-21
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Last XXXX I got a call from Macys they started charging me XXXX dollars for a items I never bought I tell them this is a fraud I never bought anything they started to investigate the dispute they took to XXXX i as going and back with phone calls or letter they doesnt accept my dispute finally I payed because this causes more stress I tell them I dont want to hold any credit cards with them they said theyre going to closed but I dont go to be allow to open any other credit card with them in the future I accepted the condition. I was going in recovery from a big XXXX. XXXX XX/XX/2022 I got a report in my bank account i was behind in some bill. I check out in the report the problem coming from Macys again I call them I tried to explain to the car I dont have any credit ca d with them and they insisted. Have one and I did a purchase for XXXX dollars supposed I did the purchase XX/XX/XXXX in XXXX XXXX XXXX. I never bought anything this person tell me Im going n dispute I ask for closed the supposed credit card have it they tell me they closed I ask to send an email with the approval of this credit card is closed they did do it. Call back after 5 hours talked again with car she tell me the last person doesnt sent it any thing because they didnt closed the credit card the second CSR she did closed the credit card send this charge to dispute but Im worry because is the third time Im having problems with Macys and this company open credit cards to my name I never got it and never used. Please I need help with this company is terrible theyre trying to charge me for some stuff I never bought. 
Thanks you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from Jefferson Capital for collection. I requested a verification letter and they provided a statement from XXXX with my name XXXX XXXX. I have never had XXXX services and received proof that there is only one account open in my name from back in XXXX via XXXX fraud investigation team. I have lived in XXXX  since leaving for XXXX  in XXXX. I called XXXX Fraud and they told me I need to file a police report before they can investigate any further that someone stole my identity to open an account in my name. I will continue to work with XXXX so they remove the account from collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: MI
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation