BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
( XX/XX/2019 ) Tried contacting firm to get information about a debt that was to their firm for collection, called several times with extremely long wait times left messages for call back then emailed when I missed their 2 calls and had to wait again ( about 30 mins each time ) never got a response as to if I was still supposed to make payments to them or if I needed to take other actions so I stopped making a payment when I wasnt receiving confirmation emails for payments XX/XX/2019 ( I had made 5 $ XXXX payments ). Then when I tried using my account to pay for something and it said I didnt have any money I checked the account to find funds pending for review {$470.00} was the amount ( my comed and car insurance payments couldnt go through because of this ) I called the bank who told me to call the law firm who ( law firm ) told me they sent a notice to review my account and was waiting for banks response and that it was my bank that put the freeze on the money because they had no payment ( this was XX/XX/2019 ) so today ( XX/XX/2019 ) I called the bank because the hold is still on there And I FINALLY ( after three phone calls and over an hour wait time ) was connected to a manager who told me they couldnt see if it was judge order or just law firm who put the hold on the money and they will contact me when their law department contacts him. I couldnt connect with law firm who holds the debt because they were closed. I received a letter XX/XX/2019 postage was XX/XX/2019 stating they were garnishing my account but no dollar amount other then the full debt amount of $ XXXX+ ( Said no payments were ever made towards debt ) The letter was dated back in XXXX and that I had til XX/XX/XXXX to make an appeal. I am a single parent of two small children ( the debt collector/law firm knew this ) and my bank couldnt tell me if my next paycheck that is to be deposited XX/XX/2019 would also have a hold on it- I have rent and diapers to buy I work full time And had to cash my pennies to pay for gas and dinner for my children, I honestly dont know what to do, Im filing for bankruptcy three days before my sons birthday XX/XX/XXXX but I dont think Ill have the bare minimum they are charging me for that ... help ... please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: PatientFi, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XXXX XXXX, I got a personal loan with PatientFi for services that I was getting through XXXX XXXX XXXX XXXX XXXX XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX uses for them for financing procedures. My service were not complete due to an issue that occurred during one of my sessions which I was XXXX on my XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX did offer XXXX XXXX of the XXXX XXXX, which did not equal in the amount of the XXXX. I had 2 appointments and no one was at the office on either day. I called Patientfi on XX/XX/2023 at XXXX XXXX and spoke to a customer service rep about my concerns. They told me that I would have to contact XXXX XXXX XXXX XXXX XXXX  to get a refund from them even though I making payments to PatientFi. I stated to the customer rep that it's not fair to me that I'm paying on a loan when services wasn't provided in it's entirety. I have contacted XXXX XXXXXXXX XXXX XXXX XXXX about my concerns and the refunds as well for services not rendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV FUNDING LLC- This collection account has been reported as having passed due balance of {$830.00} on my XXXX credit report ( ONLY )- I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

Note : This complaint is NOT for verification, this company couldnt provide me with ANY paperwork showing 100 % VALIDATED proof that I am responsible for this alleged debt. LVNV FUNDING LLC, MUST provide me with the following with 30 days. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint against Navy Federal Credit Union for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around Navy Federal 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In addition to the FCRA violations, Navy Federal has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Navy Federal Credit Union with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers.

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Navy Federal Credit Union 's practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct.

Navy Federal Credit Union must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes.

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CITIBANK, N.A.
State: MI
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:
I bought my weather tech mats from XXXX. XXXX sent me the wrong mats, I tried to dispute the item with Citibank. XXXX first told me that I didnt have to send the mats back. When my provisional credit was declined, I called XXXX. They said Citibank has already debited them and they have no recourse. I thought I should just send the mats back. XXXX got the mats on XX/XX/XXXX. I have called Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told that I can not get my dispute resolved. I also emailed XXXX XXXX response unit on XX/XX/XXXX. I then mailed a letter to their executive response unit on XX/XX/XXXX with all the proof that XXXX doesnt have the funds. The funds are with Citi. I have emailed and called Citi here in XXXX and finally talked to somebody in escalation today-XXXX XXXX who wouldnt let me talk to a Manager since she was a highest person I could speak with and will take 13 calendar days to get back with me. I told her I will file a complaint at this point. Attaching all proofs!

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX XXXXXXXX Inquiry : 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting XXXX are required to remove/block any items 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 XXXX XXXX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX, XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX, XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : 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 XXXX business days after the date of receipt.

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 2022-10-28
Company: EQUIFAX, INC.
State: MI
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent out a certified letter requesting for XXXX, Transunion to verify and update information or to delete, I requested verification of the accounts in question including Name and address of creditor, date accounts were actually opened, actual dates accounts were closed, actual date of last payment, the balance owed when account was closed and last balance, any and all original documents and agreements signed by me related the XXXX XXXX accounts in question. 

If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the cosumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had eight ( 8 ) late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : Enter Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE REMOVE FRAUDULENT CHARGES FROM MY CREDIT REPORT THAT ARE IDENTIFIED AS IDENTITY THEFT IMMEDIATELY.

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 2023-04-04
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: Their investigation did not fix an error on your report

Complaint:
I am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX XXXX XXXX XXXX. 

Specifically, I would like to verify that there was a 30 day late payment on the account in XX/XX/2021. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that you provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that you remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.

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 2019-07-03
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have requested once via registered and once via certified mail, on XX/XX/XXXX and XX/XX/XXXX XXXX, that American Express NA send me a front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account., according to the Fair Debt Collection Practices Act 15 USC 1692. I have also requested they fill in and sign an affidavit. 

American Express has not fulfilled either of these requests, according to the law as of today, XX/XX/XXXX. 

American Express NA did send me a letter saying they DO NOT have the document that I respectfully requested. Therefore, American Express is in VIOLATION of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX  XX/XX/2023 Unauthorized XXXX  XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - 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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fait Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

XXXX XXXX acct # XXXX XX/XX/XXXX - date opened. 
XX/XX/XXXX - last updated. 
{$3200.00} - amount XXXX acct # XXXX XX/XX/XXXX - date opened. 
XX/XX/XXXX - last updated. 
{$800.00} - amount. 

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other ADVERSE item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or any consumer reporting agency of the information is inaccurate.

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 2023-12-17
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting 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:
After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized Alley Financial - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - 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