BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I requested funds be distributed from my 'XXXX  XXXX XXXX account ' to my 'XXXX  XXXX XXXX IRA account ' on XX/XX/2023. I sent wire transfer instruction for this to be done however a paper check was issued instead. This has caused my money, which is {$26000.00}, to completely disappear. 
The physical check was cut and mailed on XX/XX/2023 to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX and deposited there at that location on XX/XX/2023 ( I have a copy of the cleared check ). The wire instructions had the funds being funneled through Citibank and into a XXXX XXXX account. This did not happen. Not only do I not have an account at Citibank the account number that was listed on the distribution check ( which I have a copy of as well ) had a XXXX XXXX 's wire account number listed and the funds did not get deposited there either. 
To sum this up, Citibank deposited a check that was issued to me XXXX XXXX ' with a XXXX XXXX XXXX account number ' listed and rather than depositing the funds into that account number or returning the funds to the sender, they were deposited into Citibank leaving me with no access to my retirement money. I've had zero gains on this money for over 30 days day and everyday that the money isn't in my Roll Over IRA I am losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had informed XXXX verbally that my charges from an unknown illness in XXXX of XXXX was now in a bankruptcy filed XXXX XXXX. 
I went in, XXXX of XXXX, for a suspected broken foot and was informed of a {$1000.00} charge from XX/XX/XXXX still pending. I told them that it was not accurate and called and left a voicemail with their billing. 
A few months ago, I receieved a collections notice from this company. I asked for them to itemize it as it was not accurate and the charges from XX/XX/XXXX needed to be discharged into the bankruptcy. I paid about half the XX/XX/XXXX balance off and only {$300.00} was left. 
They did not provide me with the information I requested and instead sent it straight to collections. I now can not get an answer from this debt agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: NY
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 am contacting you because I have recently reviewed my credit report and there is an account showing open that has been closed since XX/XX/2020 but is still repays open. And is affecting my credit in a negative way, I was added as an authorized user on the account of someone in XX/XX/2020, and I was removed from the account in XX/XX/2020. The account should have be showed as closed on my credit report but it is not, and it is still reporting as an open account, I have contacted the company who the account was with and they said it is closed and has been closed for months. This means that the credit bureaus are reporting inaccurate information which is a violation of the FCRA.

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 2023-07-10
Company: NCB Management Services Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting an investigation and deletion of this debt. 

See Following Information Regarding Dispute, Account Information : Original Creditor XXXX  - XXXX XXXX  XXXX, XXXX XXXX XXXX  and XXXX - Acct. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX Dates associated with items being disputed : Account originally opened with XXXX  on XX/XX/XXXX Account opened with NCB Collection agency on XX/XX/XXXX Explanation of item being disputed : I applied for a loan in the amount of {$1400.00} on-line with, XXXX  XXXX XXXX XXXX, XXXX Floor XXXX XXXX XXXX CA. XXXX, on XX/XX/XXXX, and was approved for the loan through, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

I was scheduled to get the first direct deposit on XX/XX/XXXX, however I never received that deposit, after contacting XXXX and sending an email on XX/XX/XXXX, with my bank records dated from XX/XX/XXXX thru XX/XX/XXXX it was found that XXXX had the wrong account number for my checking account. XXXX  supposedly fixed the error and rescheduled a second direct deposit for XX/XX/XXXX. However once again that direct deposit also did not go through correctly. I made numerous phone calls regarding the loan to XXXX, and the issue was never resolved, nor did I ever receive the loan. I sent another email on XX/XX/XXXX, to XXXX advising in writing that I did not receive the loan and demanding that XXXX cancel the loan and remove it from my credit report immediately. I then received a bill for a loan that I never received, I called XXXX  again, and again sent XXXX  another email on XX/XX/XXXX with bank statements from XXXX and XXXX attached for proof to dispute the bill for a loan that I never received and demanding that the loan be canceled and to remove it from my credit reports. This was never done by Upgrade, I then received a notice of collection in XXXX of XXXX that was dated on XX/XX/XXXX, from the following Debt Collector : XXXX XXXX XXXX - XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX a debt collector hired by the following collection agency : XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX I am not responsible for a XXXX/ XXXX  that I never received and repeatedly tried to get XXXX  to correct or cancel the loan, I included supporting documentation to XXXX  as proof that I did not receive this loan and disputed it. I have been repeatedly ignored by XXXX management after asking time and time again for a return phone call. 


I request that this item be thoroughly investigated and deleted from my Consumer Credit Report Immediately. 


Thank you in advance for your assistance in resolving this matter quickly. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
The Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but Im now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. Bridgecrest can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: MA
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 mailed several letters asking XXXX to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian offers Experian Boost. The allow qualified monthly payments such as rent, insurance, streaming services, & other types of monthly bills to be connected to Experian Boost. I connected my bank account with Experian boost & they were able to download my qualified monthly bills. They require 3 consecutive monthly payments within the past 6 months. The issue is, they are only accounting for 2 months of payments ( XXXX & XXXX ). I have been making monthly payments since XXXX. I have many back & forth conversations with their member support. They requested copies of my bank statements showing these additional payments. Which I provided. One response from them was " the payment description must be exactly the same for all payments. You payment date is different '' No, XXXX the payment date is going to be different. They should know that. After a month of dealing with incompetence, requesting the copies of bank statements, & them providing the same response which doesn't address my issue. I have requested a call from a manager. Which has not happened. I resorted to filing a XXXX  complaint. Experian response was to send me a credit report. Further incompetence, which the company doesn't understand their own service. This delay is costing me time & money from improving my credit score. As of now I have a XXXX credit score due to my bankruptcy. There are many resources available to re establish credit. But, I need a credit score other than XXXX to qualify. This can be easily resolved by a phone call from Experian.

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 2023-07-10
Company: DISCOVER BANK
State: DC
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 opened a secured card with Discover. Opening the card required a deposit. I paid an {$800.00} deposit which allowed for a secured credit card balance of {$800.00}. After reporting unrecognized charges, Discover  conducted XXXX investigation. Discover decided to close the secured credit card account. Discover never returned the {$800.00} deposit. Discover reported XXXX late payments to XXXX credit report however, payments were never late. The late payments Discover is reporting were related to reversed temporary credits during the investigation. After they did not find in my favor and determined I was responsible for the fraudulent charges, reversing the temporary credit, Discover claims resulted in late payments. Further, Discover still refuses to return my {$800.00} deposit. The account has been closed for XXXX years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: MI
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 right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX  account number as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 instruction.

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 items 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Resurgent Capital Services L.P.
State: CA
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:
creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.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.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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I havent been paid yet, they never charged my card for 2 items because of insufficient funds. They sent my account into overdraft of {$59.00} as a fee for over draft, it because the 2 items never came out of my account I dont get how they could charge me anything if my account never over drafted in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX - XX/XX/2022 - XXXX  CARD - XX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Meyer & Njus, P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has sent a debt collector after me for a debt That is not mine. They are stating that I opened an account back in 2013 in which I have never been into a XXXX store. I have filed complaints with the debt collector and with XXXX and nothing is being done. They have been garnishing my wages and so far I have paid {$2000.00}. The debt collector that has garnished my wages for XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX. 
Originally they said that I owe {$2800.00} and the number that I owe continues to change and go up even though I have records of my paystubs where they are taking out money every week. XXXX XXXX XXXX or XXXX XXXX does not show up on my credit account because I have never had any type of account or opened up any credit card and nobody will help me and they are taking all of my money. They said that there is a judgment against me and that I was served in which I have never been served by anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a deposit from my college of {$620.00}. On XX/XX/22. Then when I tried to access the funds Venmo froze my account. I contacted them and they said it would be Monday XX/XX/22 before it would be unfrozen. Well XXXX  has came and gone but my account is still frozen. I contacted them again and they are now saying it's going to be up to XXXX more days. I done everything they asked me to do as far I sent them my ID and a photo me holding my ID. I gave them my phone number, my email address and my physical address. Like they asked me for. Now my XXXX daughters ( XXXX & XXXX ) and my wife and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All because Venmo ( XXXX ) will not give me my funds. And none of this is my fault. And now they are telling me it could be another XXXX weeks. That's not right at all. 

Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: SC
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 have several deregatory accounts that are reporting to my credit report inaccurately. I have sent XXXX, Equifax, and XXXX several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: GVA Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency XXXX stating that I had an unpaid balance with Bright Lending. I have never ever done business with Bright Lending or XXXX for that matter. 

I have emailed XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation