BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking and saving account with Citibank and I live in NY. I was vacationing with my family in Maryland, Washington State and Viginia. I use the checking and saving account through Citibank as my only source of income. The bank however on XX/XX/23 blocked my account without notice via text or call, I called the bank and I was informed that it is possible suspicious activities on my account. The representative who appeared to be working from remote in another country verified all transactions with me but still told me my account will remain blocked and I have to wait for the bank to send a new debit card to my home. I was left stranded in another State with no access to funds to return home. I had to borrow money from an individual to bring my family back to new your and also cover other expenditures. I had no access to my own money. I made efforts to speak to a supervisor and did not receive a call back. This is unfair to me. I had no access to my own money I worked hard for. There was no consultation with me prior to blocking the card. There was also no communication with me around what or any merchant that may have compromised the security of the card. There was also no resolution to my issue regarding access to any funds to help my family return to NY.

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 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a call from a collection agency stating my Kohl 's account had been sent for collection. Didn't think I had a delinquent account, thought it was a scam. I have had an account with Kohl 's for 14 years, always paid on time and in full. I contacted Kohl 's they informed me I was late two months and my {$47.00} charge was now {$100.00}. I questioned why I didn't receive a bill or late notice. They said I was being electronically billed. Which I had no idea was happening. Until this time I had always received my statements in the mail and paid them in full on time. The person I spoke with said if I paid the {$47.00} in full they would remove the late fees. I spoke with them again a few days later about the problem about getting the late fees removed. They insisted that I had been sent emails with statements of my account, they have a record of that, in fact that day XX/XX/21 another had been sent. I had not received any emails from them about an amount due or that my account was delinquent. In the meantime I discovered they had sent in a late payment to the credit reporting agencies my credit rating fell drastically. I called them asking that they correct that report and remove the late fees. The late fees were removed and the credit reporting was sent for investigation. I received notification today that the information previously furnished to the credit reporting agencies is accurate. They are unable to comply with my request to update this information with the credit reporting agencies. I maintain ... this is their error in not sending me a statement in the mail. I did not know I was getting bills electronically and never received any emails stating so. Had I been notified of an amount due it would have been paid in full on time. My credit score plummeted 92 points. I have had an excellent credit rating for years! I believe this to be an attack on my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, 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:
In XXXX I was shopping for a new vehicle and had reached to two local dealerships. On Saturday I contacted XXXX of XXXX and XXXX XXXX of XXXX. I contacted XXXX of XXXX that morning when I saw XXXX XXXX showing there was a hard credit inquiry from Fifth Third Bank. At this point I had not authorized any dealer to run my credit at any bank. I called Fifth Third that same day, XX/XX/XXXX and waited to speak to customer service. Once I finally got through the Fifth Third representative advised me that if there was an inquiry showing in error, because XXXX XXXX did not tell me anymore than that, I should call my bank for assistance. So Fifth Third although they were showing as the hard inquiry this rep told me to call my bank which is XXXX. So now I have a hard inquiry on my XXXX report from Fifth Third Bank that will be there for two years impacting my fico score. I would ike this hard inquiry removed as i did not authorize this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: TX
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 sent disputes to this company in regards to inaccurate and fraudulent accounts they have failed to respond to me, it has been well over 30 days and I am demanding removal of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
When credit card went past due first time in 12 years, and during covid and XXXX XXXX XXXX refused the payment i offered over the phone, proceeded to call me nasty names and forced my account to collections, which then called my mother twice ( who had no interst in their debt ) gave her a case # and threatened legal action if i did not comply? even i know this violates the law in so many ways. I later find after the two contacts to my elderly mother that the case number matched the partial account number belonging to my account with Target National Bank! They sued me and obtained a judgement for XXXX plus attorneys fees in XXXX of this year, i subsequently stopped paying any creditor and filed Bankruptcy. I contend that Target National Bank, and all successors in intetest Knowingly and willfully committed Illegal acts under the Fair Debt Collections Practices Act ( three seperate acts # 1 ) Colletions rep. from Target National Bank who refused my payment offer over the phone and ( promise to pay ), and then blew up demanding full payment ( name calling ) and threats. # 2 first call to my mother on or about XX/XX/2020 ( foriegner making legal threats ) # 3 ) forigner making a similar threat directed to me XXXX XXXX call back number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and capital one has ignored any attempt that I have made to rectify the problem, the debt is for {$11000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-10-18
Company: BCB Investments LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX I received an alert on my credit report on XX/XX/2021 regarding a debt of {$42.00} from A Alliance Collection that they placed on my report. I contacted them the same day to confirm the debt, and to send me a copy of the debt. As of today, I have yet to receive it, if the debt belongs to me I would like to resolve so they can updated my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 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 2023-04-06
Company: Experian Information Solutions Inc.
State: MD
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:
Please look at 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 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 2022-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, 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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX {$150.00} : XXXX XXXX XXXX XXXX XXXX XXXX BALANCE REPORTED {$580.00} : XXXX XXXX, XXXX Charged off XXXX XXXX BALANCE REPORTED  {$580.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX  XXXX BALANCE REPORTED  {$190.00} : XXXX XXXX, XXXX Charged Off XXXX XXXX XXXX XXXX BALANCE REPORTED {$520.00} : XX/XX/XXXX XXXX XXXX - XXXX XXXX REPORTED {$1900.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$260.00} : XX/XX/XXXX Charged Off XXXX XXXX  REPORTED BALANCE {$1000.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX XXXX XXXX BALANCE REPORTED {$110.00} : XX/XX/XXXX Charged off XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$2100.00} : XX/XX/XXXX Charged Off XXXX REPORTED BALANCE {$240.00} : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : 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 2023-05-03
Company: Experian Information Solutions Inc.
State: CA
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021

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 2021-10-18
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Today XX/XX/XXXX I received two letters from citi bank on my credit card. 

This account has been closed couple months back. These letters dated XX/XX/XXXX state the previous provisional credit is now permanent. Since the account was closed they say they dont show the credit and that I can not request a check. 

Not sure why citi took so long to resolve and send out these letters. I would just like my money. 
Two amounts XXXX $ & XXXX XXXX 

I even confirmed by talking to the agents in customer service then they just couldnt figure why?

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Below is a list of recent Inquiries that I did not personally authorize, I contacted the companies and they are non responsive, credit bureaus has my phone number on fraud protection file for them to contact me before allowing this and they still listed them ... 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Card Inquiry from XX/XX/XXXX + Bank  XXXX Card Inquiry from XXXX XXXX, XXXX + Bank XXXX Card Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank  XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank  XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/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 explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/22 a purchase in the amount of {$780.00} was done online at XXXX. The charged posted to my account on XX/XX/22. I did not make this purchase. I contacted Bank of America more than XXXX times to resolve this issue with no satisfaction. They did not follow through on promised return calls, letters or investigations. They have an internal " research and resolution '' team that no outside person is allowed to speak with for status of a lodged claim. I have spoken to " supervisors '' within the organization who told me " mail fraud runs rampant in XXXX  '' and that was why I had not received communication from Bank of America regarding this claim. They have admittedly received XXXX documentation from XXXX regarding this {$780.00} charge and assumed because I have a purchase history with XXXX ( there are no receipts nor purchases on my XXXX account ) that I have made this purchase. I have lost hours of time on hold with this terrible financial institution over this issues.

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