BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-18
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and XXXX   XXXX XXXX took two payments from my XXXX XXXX XXXX Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXXXXXX XXXX account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by XXXX  XXXX XXXX taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a XXXX XXXX XXXXXXXX branch to open up a new checking account and they would see if they could return the funds to a XXXX   XXXX XXXX checking account. I did not want to open up an account with XXXX   XXXX XXXX because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXXXXXX XXXX  to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXXXXXX XXXX and {$82.00} worth of fees with XXXX XXXXXXXX XXXX because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally XXXX XXXX  XXXX has recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXX XXXX checking account. Even after the XXXX  XXXX XXXX staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against XXXX XXXXXXXX XXXX because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check from my uncle into my business account for {$40000.00} Citibank took the check and processed it. 3 days later all my accounts were frozen personal and business, I called the bank, and they claimed the check was fraudulent and a stop payment was put on the check. I went to the branch to speak with the manager, he informed me Citibank had not received any of the funds, after speaking with my uncle 's bank XXXX XXXX XXXX  ) they advised the funds were withdrawn from his account. Citibank said they were closing all of my accounts and withholding all of my funds for XXXX days. The following day I contacted the fraud department at Citibank, and they informed me they verified the account was legitimate and I can go to the branch to collect a check for my {$40000.00}. I emailed the branch manager to be prepared that I was coming to collect the check, he informed me that they would not be providing me with a check, and I need to call the fraud department again. Once again, I called the fraud department and they informed that they could not verify the issuer of the check even though I had the issuing bank and the writer of the check on the phone. They refuse to release the money or return it to the issuer. my problem is if they could not verify where the money was coming from and if it was a stop payment as they claimed, how can they withdraw {$40000.00} from my uncles account and hold it against us for XXXX days? that seems illegal unethical and deplorable. The banker laughed at me in my face and said good luck. No one will explain how they can take {$40000.00} from an account they can not verify and hold it against us or refuse to send it back to the issuer or myself. The fraud department is treating my uncle and I like criminals and I've lost out on a {$100000.00} sale for my business and all my personal bills were late I have no money or food because they closed my personal account for this.

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 2022-11-05
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company in question is I C System of whom which is attempting to collect a debt for XXXX and XXXX. I have disputed these accounts with all credit reporting agencies ( XXXX, XXXX, XXXX ) as well as with the debt collector ( IC System ) directly asking them to verify the debt of which they have failed to do within the 30 day time frame given. One account XXXX XXXX ) was deleted from my credit file In XX/XX/2022 as the result of a dispute made with the credit reporting agencies, but as of recent the debt has reappeared on my credit file under a new debt collector named XXXX XXXX XXXX. It is my assumption that IC system has sold the debt to a third party in an attempt to keep the invalidated accounts on my credit file while avoiding having to verify the debt or be held accountable. As of XX/XX/2022 this new debt collection agency is now re-reporting this unverified debt that was deleted on my credit report! The other account in question ( XXXX ) still remains on my credit report unchanged and unverified.

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 2020-07-21
Company: Grant Mercantile Agency
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:
I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. This is also a violation of HIPAA. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. The original creditor if necessary shall also acknowledge the debt to be removed and considered paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Credit Center, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I personally sent a Debt Verification Letter via Certified Mail and First Class to CREDIT CENTER LLC on XX/XX/XXXX. This letter was delivered on XX/XX/XXXXXXXX XXXX XXXXXXXX pm as reported by USPS. In addition, I have emailed CREDIT CENTER LLC requesting verification on XX/XX/XXXX. I received an email back stating " Your message has been received, is in the process of being reviewed, and will be responded to within 24 hours. '' However, I was never responded to via email, mail, or phone. I also followed up on this with the same response but was once again never contacted.

Prior to sending any Debt Verification Requests to CREDIT CENTER LLC, I had not ever heard of this debt. I never received a letter via USPS or otherwise. I also did not receive any phone calls. I contacted the original creditor and was told that there was no information on my file regarding collections or CREDIT CENTER LLC.

CREDIT CENTER LLC reported collections in my name to all three credit bureaus. I do not recognize this debt in any capacity, but I also noticed that Credit Center LLC reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and XXXX is required to remove any information that is not true, accurate, compliant, and verifiable. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall granting XXXX XXXX XXXX XXXX permission to release my medical information to a third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Based on these two accounts : XXXX. XXXX. # XXXX XXXX. XXXX # XXXX In accordance with the Fair Credit Reporting Act, I filed a complaint with TransUnion, XXXX and XXXX that my consumer rights to privacy and confidentiality had been violated. 
15 U.S.C 1681 C section A ( 5 ) States no consumer reporting agency may report any consumer information containing any of the following items : 1. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 166B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

I sent all three agencies certified letters stating the aforementioned consumer laws and still nothing was done.

The accounts must be deleted from my file if they can not abide by the rules and laws put in place by the government.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX  XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named XXXX XXXX acct # 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 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 2023-08-25
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XXXX reviewed my accounts in my Citibank app. Noticed my Citi Thank You card was cancelled. Called they closed due to 12 months inactivity and XXXX balance ( supposedly in their XXXX XXXX XXXX ). Called to reinstate had to reopen new account and confirm info even though I have other Citi cards and have banked with them for consumer and business banking. Thirty years a consumer client and a business client since XXXX. So now a hard inquiry will decrease my credit score and I am inconvenienced because a card was closed without reaching out. Have spoke to over a dozen people at Citibank. Does this classify for a class action suit. Have an 800+ excellent credit score and 30 year history with the bank in excellent standing. 

Now they will negatively impact my credit score and cause huge inconvenience!

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 2023-08-25
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
To dismiss the unjust Bill of {$84.00} for XXXX who gouged and harassed me with calls and slowing down data on my phone when bills have been timely paid. The worst was during hurricane Ida no power no water and NO PHONE because XXXX made another error on my Bill. This one had something to do with the password. I have several XXXX and challenges. It has been challenging to speak with someone competent or with patience to correct the many errors of this line. Several times a representative was incredibly difficult to understand, but they were kind regarding my challenges. However, their response was incomprehensible. 
I have Drs. Therapist and advocates who were quite aware and kept advising me to resolve this. 
Finally, my Dr. took the time out to switch my phone from XXXX to Consumer Cellular which cost less than half of what XXXX. 
I do not owe this amount or any other amount. 
I apologize for the lengthiness, its been awful. 
It would be more than fair for them to drop this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: U.S. BANCORP
State: OH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Gave this to an elderly couple as a wedding gift {$100.00} Prepaid Gift Card - VISA - US BANK bought at XXXX 's XXXX, OH XXXX. 
Couple gave card back to me. I called the number to have the card replaced. It was never used just for some reason stated it was compromised. 
I faxed over front and back of card, front and back of my driver 's license, activation receipt that showed the purchase and last 4 of the XXXX XXXX I purchased it with and transaction # s and the cardboard sleeve front and back card was in. Was told to wait 2 3 weeks. When I did not hear from them I called they said they could not read my driver 's license it was too small - blow it up 200 % send the request back and call within 48 hours because they can not call me- I have to call them nor can they fax back. Called again- they said they can not read the driver 's license too dark - lighten it up and fax back again. I did and even increased all attachments 200 % including gift card front and back, etc. Called today- now the credit card needs blown up again 200 % and lightened up and refax. This is the 4th time I have done this- I read scam after scam on the internet that US BANK does this and they repo the cash in their account and earn interest. I even mailed them a copy of all this information. Please get my {$100.00} back or a new card issued.

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 2023-02-18
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: Credit inquiries on your report that you don't recognize

Complaint:
Went to purchase vehicle and found they ran my credit through several companies i I didnt authorize

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are fraudulent and do not belong to me : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 2023-08-25
Company: Sunbit, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I previously requested completion and return of W-9, Per 31 CFR 1010.230 - Beneficial ownership requirements for legal entity customers, I submitted the documentation with my assumed name certificate state of Missouri and a IRS approved 1099-C to cancel most of the allege debt, all were ignored by the CFO and management team.

I ask to stop calling daily, including Sunday morning. This is a violation of 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection. In addition SUNBIT is in violation of : 15 U.S. Code 78ff - Penalties, ( a ) Willful violations ; false and misleading statements ; ( b ) Failure to file information, documents, or reports; ( c ) Violations by issuers, officers, directors, stockholders, employees, or agents of issuers. 

18 U.S. Code 1341 - Frauds and swindles, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses.

18 U.S. Code 1343 - Fraud by wire, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Self Financial Inc.
State: NJ
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:
Default and Opportunity to Cure To whom it may concern This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 

I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that SELF FINANCIAL use against Consumers like myself. 

The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Company response to consumer: Closed with explanation