BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/22, my pre-paid credit card had a credit of {$2700.00}, I had called citi bank to request a ACH back to my checking account. Today is XX/XX/22 and I still did not get my refund.

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 2021-05-05
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom this may concern : I XXXX XXXX checked my credit report and notice a debt.. that I never seen nor heard about! I never received a letter or a phone call about this debt and I would like for this debt to be removed.. because I never verify this debt! I dont think its fair to mess up someone credit, because you can! Im seriously upset about this. Because I never got a chances to verify the debt and my score dropped over XXXX points.. It will be nice if someone could remove this and send me a letter and give me a chances to verify the debt!! Ive leave in the same place for 5 years with the same number.. and no letter from this debt company! Please remove please and thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I send money weekly to my daughter. 
Today, out of nothing I am asked to called customer support to get a code. 
Citigroup with their unacepable practices, blocked my access partially to the account. Called to ask the reason, they refused to provide the reason, escalated and spoke to a rude manager, who refused to help. Then in order to use the account, code, they asked me for a secret word, that I don't remember. They were unable to help. unwilling to identify the reason, unwilling to provide information for a relevant complain. I believe, I am in the right as owner of the account to know the reason of such block, and second to access my account... they should have a secondary way to verify the user, wether it is sending a picture of ID, or asking more questions.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX Inquired on XX/XX/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 Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX XXXX XXXX {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX CREDIT Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$82.00} XXXX XXXX XXXXXXXX Balance : {$95.00} CREDIT COLL XXXX Balance : {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$110.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-02-13
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:
In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}

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 2020-03-26
Company: EQUIFAX, INC.
State: TX
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:
I had a second mortgage with XXXX XXXX XXXX in 2006. The home was illegally foreclosed on and charged off years ago. Now XXXX XXXX XXXX just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. XXXX XXXX XXXX also re-aged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: NCB Management Services 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : NCB management service # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: LEXISNEXIS
State: OH
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 have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. XXXX  XXXX statement informs lenders they must comply with the CARES Act. XXXX  XXXX statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX  Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.

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 2023-09-04
Company: Frontline Asset Strategies, LLC
State: AL
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 received a letter in the mail from a debt collection agency referring a credit card I didn't open or know about. I called the credit card company gave them my information and they looked through their system and verified I never had an account with the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: The Sayer Law Group, P.C.
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I got foreclosed on and Sheriff sale was yesterday. I was given a Writ of Removal to be out of my house in 5 days. 
This loan is about 20 yrs old. It was a HELOC loan that was interest only and upon due date I didn't have the {$19000.00} to pay it and they wouldn't refinance or extend it. I didn't have a payment set up so I didn't pay. It was charged off for years then put back in force and the bank files foreclosure. I called the bank and they were happy to set up new payments. I made those payments until they notified me to stop making payments as they were going to sell the loan. The loan seemed to change hands alot and lots of messages to not pay, also during covid. The loan servicer, who is XXXX XXXX servicing XXXX, account # XXXX and in my attempts early on they were not willing to work with me. Also, there has been discrepancies in the amount I owed. The buyer of this loan sent me to foreclosure and I submitted to the courts for a Forbearance and expected to see a new court date that I never got. Got notice of Sheriff sale and tried to get legal counsel but couldn't find anyone. I am current on my first mortgage but second mortgage completed sheriff sale and I got the Writ that afternoon. 

Can you help, I want to save my house. I fell I was not treated correctly and want legal help to get extension or legal 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 2022-03-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have deposit check on mobile deposit on XX/XX/2022 {$1000.00} dollars on mine Citibank account. 
I am still have {$5.00} on account with mine owe money available. 
Now on date XX/XX/2022 mine account is Overdrawn - {$1000.00} That is not right by the law of bank rules book. 
On working date they have to clear the check not hole mine check to the XX/XX/2022 to be clear. 
That is every wrongful by the law of the bank to do that to customer. 
Please please please need helping to fix the Citibank law

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 2021-06-30
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: Was not notified of investigation status or results

Complaint:
I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-10-17
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: Investigation took more than 30 days

Complaint:
I would like this invalid account deleted from my credit report immediately. I am writing to file a formal complaint against Experian, XXXX, and XXXX XXXX XXXX regarding their blatant disregard for my consumer rights in connection with a debt collection account that is erroneously reporting on my credit report. I have taken all necessary steps to rectify this situation, yet I have been met with inaction, lack of communication, and a complete disregard for the regulations set forth in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent certified letters to Experian, XXXX, and XXXX XXXX XXXX, respectively, notifying them of a debt collection account that I believe is invalid and should not be reporting on my credit report. The purpose of these letters was to formally request documentation to verify and validate the accuracy of the debt, as well as to initiate an investigation into the matter as outlined by the FCRA. I have meticulously followed all procedures and ensured that each letter was delivered within the stipulated timeframe. 

The certified letters were delivered and received by Experian, XXXX, and XXXX XXXX XXXX on or before XX/XX/2023. The tracking numbers for each delivery are as follows : Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX I urge you to verify the delivery of these letters by visiting www.usps.com/tracking using the provided tracking numbers. Despite the undeniable receipt of my correspondence, I have yet to receive any documentation from XXXX XXXX XXXX regarding the validity of the debt in question. Moreover, I have not been informed of any investigation results from either Experian or XXXX within the mandated XXXX period. 

This situation not only undermines my consumer rights but also tarnishes my creditworthiness unfairly. I have taken the necessary steps to address a concerning discrepancy on my credit report, and the lack of response and cooperation is very frustrating. The disregard for my rights as a consumer is troubling and goes against the very principles that the FCRA aims to uphold. 

I implore the Consumer Financial Protection Bureau to take swift action in this matter. Experian, XXXX, and XXXX XXXX XXXX must be held accountable for their failure to adhere to the FCRA regulations and for their evident negligence in responding to my inquiries. I request that this account be immediately removed from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-09-03
Company: Experian Information Solutions 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:
These credit bureaus have IGNORED by request for reinvestigation. I am STILL showing these account as Account Not Disputed. 
This shows they are simply reading and not investigating. This is a major violation. I am entitled to an investigation especially when trying to verify a debt. Each time this has been verified, it remained in Account not Disputed status. You are clearly being negligent with investigations. 

These bureaus are stating I need new information for these accounts to be investigated. The information has not changed! These creditors are not sending proper validation, & the bureaus are ALLOWING them to report out of compliance. 

Please provide proof of validity for these accounts. Such as a binding contract, permission to furnish from me to the collection agency, etc. I will not accept a simple statement of charges from the collection agency. Please supply actual proof such as a BINDING CONTRACT, permission to furnish an account from me to the creditor/debt collector, information on WHO verified this item, AND method of verification. Please conduct an actual investigation. 

I need these items to verify this debt or I will need to file a report with the FTC next if this is not done within 45 days.

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 2024-01-02
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, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

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

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 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was pre approved for a XXXX card I applied and was approved for only {$300.00}!! The lowest card Ive ever had been given this is ridiculous when I called they they dont care and its Not a XXXX Im a loyal customer I dont appreciate the way this bank conducts business I deserve a higher starting limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank closed my checking account on XXXX XXXX.Will not release funds that are in the account.Amount-over {$550.00}.

Company response to consumer: Closed with explanation