BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I got a new phone with a new phone number. On the previous phone I had my Citibank XXXX debit card linked to XXXX XXXX without issue. Once I attempted adding this card to my new phones XXXX XXXX, I got a text message on the new phone number from Citibank asking me to call into the fraud department because there was suspicious activity observed on the account. This happened before when I originally opened my account in XX/XX/XXXX and a simple phone call to the bank resolved the issue. However, when I called into the bank this time they went through a verification process they claim I failed then informed me that they had blocked my account. The point this failed is when they asked my security word for the account. Although, admittedly an unsafe practice, I always have my security word the same across EVERYTHING I use and is distinctly different from my banking password. I went onto my online portal to check my accounts after the call, and indeed, my checking and savings account had been removed from the online account. 

Hours of hold time later, I spoke with someone in the XXXX who told me that the account was blocked by someone in a branch. I knew this to be untrue, as this was all done over the phone. They told me that there was no way to unblock the account over the phone so I would need to go into a branch. I called a branch in New York as that was the first result in a search for a branch on the Citi website. I spoke to XXXX XXXX, Vice President of Wealth Management, who advised me that because the account was opened online, I had no physical branch to go into and that I would need to give the XXXX number a call back. I did so and they told me that I would need to go into a branch because it was a block placed by a branch. This goes in circles. I call a branch, they tell me to call the fraud department and then nothing is resolved. So I am now going on a better part of 3 months without access to any of my funds in both accounts including direct deposits from my employer.

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 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my consumer report, I noticed that there were inaccurate accounts and information on my consumer report. The companies reporting my information never gave me my right to opt out of credit reporting and furthermore, they never asked for my permission to furnish this information furthermore they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, it caused financial harm, and it also damaged my overall reputation with lending institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: WI
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: OK
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 Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX  Account # XXXX with Account name : 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 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 explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX XXXX- acct # XXXX Inquiries to delete immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX & XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date 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 2022-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Amount {$2400.00} ; 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found an account on my husbands credit report for {$100.00} for  XXXX   XXXX  from  Columbia Collections  we had received zero paperwork from them. When I contacted them they informed me it was an old medical debt. This amount was never put on my credit report only my husbands. The account was paid in full on  XXXX / XXXX /  XXXX  . This company then on  XXXX / XXXX /  XXXX   filed the account as outstanding on my credit report after it was paid in full. Now they are refusing to provide me with my accounting of this account that was already paid. They said they do not have to provide me with detailed accounting that shows when they report to credit companies. I have issues with a company that is reporting a debt that has been paid in full after the fact to my credit report, this is against the law and the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Account status incorrect

Complaint:
reporting inaccurate information based school closure and refuse to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

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 2023-03-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Checked on line to make a payment on my Chase cards only yo find out they decreased my line on the one by over {$4000.00} and the other by {$2000.00}, Chase Freedom and XXXX respectively. Did NOT get ANY type of notice whatsoever. Contacted Chase, they stated I have too much credit usage, my credit cards are paid off except for two which I had to use because my wallet got stolen along with my checkbook and debit card so I had to use my credit cards til things got straightened out. I plan on paying those cards off. They also commented about what I have going out, they have NO IDEA what my income is. I have NO problems paying bills. I'm a travel nurse and they would be surprised what I make. They violated the Truth in Lending Act and I demand they restore my credit lines to what they were. Not only that, my credit report us locked. How did they get my info without my permission????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: ALLY FINANCIAL INC.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to use XXXX with my Ally checking acct on XX/XX/2023 to send {$460.00} to a contact XXXX XXXX. I got a message from Ally bank that I needed to call them to verify my identity. I have called four times and every time the customer service rep for Ally says it has been verified and the hold on XXXX transfer to XXXX XXXX removed and transaction should go through now. It has not released hold on XXXX acct. Now Ally says they can not help me remove the hold.

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 2017-05-05
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX, XXXX and Experian will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.
XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX- - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - - XXXX XXXX XXXX XX/XX/XXXX Delete all my unauthorized inquires from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I applied for a Wayfair Card through Citibank and ultimately made a purchase. During the process i had to return an item through XXXX XXXX. Through the XXXX XXXXXXXX app I saw the item was rerouted to someone else 's home. I contacted Wayfair immediately to start an investigation and was never contacted afterwards. The first correspondence I received was a bill. I explained to them that a portion of the bill was fraudulent and I asked that an investigation take place to sort this out. Instead I was ignored and payment was demanded. I was also told the credit card was closed months ago yet yesterday I received a correspondence yesterday which states otherwise. I am also getting two bills from two different ( Wayfair and Citibank ) entities for the same debt. They are literally trying to make me pay double the amount. No one on this entire company will or has tried to rectify the issue. Instead they demand payment even though there is possible fraud on the account./

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states a consumer reporting agency can not furnish an account without my instructions or written consent, under 15 USCs 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-01-26
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company claims to be debt collector was notified thru email of secured party and they are interfering on Trust property Company risk manager stop responding to emails when mentioned that they should have filed certain IRS Forms as the debt is over XXXX dollars an a obligation of the United States I'm filing this complaint and it will be used in the court of law unless they remove the violation immediately as they are not only voilating constitutional rights they have no claim as XXXX XXXX XXXX  is the attorney in fact and Secured party over the United states XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: ID
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:
Account was sold/transferred from XXXX to Wells Fargo . According to the date the balance should have been paid with automatic payment before the transfer.

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 2016-12-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, My name is XXXX XXXX and I completed a program through the XXXX XXXX XX/XX/XXXX I believe. It was a loan rehabilitation program to remove penalties from my defaulted loans and bring them current. After finishing the program my loans were sent to Navient and they settled on {$84.00} per month. I had been making payments then all of a sudden the loans were sold and I have no idea where they are. I was still paying through Navient but that is NOT who these funds were being dispersed to. 
Unfortunately a substantial amount of time has passed. I sent a previous complaint in XX/XX/XXXX stating that I could not reach anyone from XXXX XXXX now Navient. I was always routed to a collection agency, even though I have been paying on XXXX loan consistently since XX/XX/XXXX. XXXX XXXX responded admitting to this action taking place. The Case Number is XXXX. 
I was unable to contact anyone about where the loans were sold to. I received no correspondence. I even reached out to student aid.gov and they said that they can not help me as they do not handle these things but I can contact my lender. This was very unhelpful because a ) my loans had been sold b ) XXXX XXXX/Navient was routing all calls to creditors c ) you ca n't handle this issue but you can take my money. 
This has been a grueling process over the last 5 years and it 's a huge maze and circular. 
I have also recently found out that Navient has stooped applying my $ XXXX monthly payment to my {$1700.00} loan that I have been paying since XX/XX/XXXX. I am almost done paying it off and they have taken it upon themselves to appropriate the funds elsewhere without my permission. 
At this point this needs to be sent my state Senator and Attorney General. 
Thank You So Much for Your Help, XXXX XXXX

Company response to consumer: Closed with explanation