BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: Receivable Management Group, Inc. (GA)
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 have a loan with XXXX ( Original Creditor : 01 XXXX XXXX ) and REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : 01 XXXX XXXX ) and REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2023-07-06
Company: EQUIFAX, INC.
State: FL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
FTC Report XXXX I never gave written consent to any of following to report on be have. Transunion, XXXX XXXX nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments

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 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank siezed money from my account by using their internal XXXX feature. I did not request, send or give any information to anyone to make the transfers. I work as a military security supervisor and do not click links or open emails from people I do not know. This is most likely an inside job from an employee script or high level network programmer within the company. I contacted the bank through the mechanism they require and it doesnt connect me with someone. The phone lines they provide dont work and the Ai just sends me in loops which dont connect me to anyone. Have you had other people complain about this because there must be others. This feels like a larger scale operation and its putting people at high risk. What should I do?

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 2020-08-10
Company: JPMORGAN CHASE & CO.
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 have a loan with XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: SC
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 Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over the past year, I've written to both XXXX XXXX and NCB collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All NCB could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on NCB 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have XXXX XXXX, and when I checked my credit score,  i had realized that my score went down. Under collections, there was a amount of {$170.00} through a collection bureau called DCI. I researched the company, and found that it was linked to XXXX XXXX XXXX however, i was never notified of any debt so I contacted XXXX XXXX XXXX spending three hours speaking to XXXX, XXXX who hung up on me, and an XXXX who transferred me to XXXX in collections And directed me to XXXX in billing who claims that I do not owe any money. I was given a case number XXXX and by Account number XXXX. DCI notified me to file this report ( Diversified Consultants Inc ) XXXX, Florida reference number XXXX. I'm supposed to be notified by XX/XX/XXXX by XXXX XXXX XXXX of their decision, so I'm asking if this case can be filed through this organization for guidance. 
My contact information email : XXXX Phone number : ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NE
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-03-16
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I wrote a check payable to XXXX XXXX XXXX in the amount of {$200.00}. The check was altered and made payable to someone else in the amount of {$9000.00}. It appears the check was electronically processed for that amount. 

I reported the discrepancy to PNC Bank on XXXX XXXX. An official report was made at a local PNC branch ( XXXX XXXX XXXX District of Columbia ) on XX/XX/2022. While I have made several inquiries regarding the above fraudulent action, I have not received any written communication concerning my case. Over 120 days have passed without resolution. 

I am requesting resolution of my case and reimbursement of {$9000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reserved a hotel room for XX/XX/XXXX. It was supposed to be reserve now and pay later but the hotel charged me. I canceled my hotel and received an email saying I would be refunded in full. well 2 weeks later no refund. Hotel couldn't give me info on the refund, so I put a dispute in with Navy Federal to get my money back since I had documentations of the refund. My credit score dropped XXXX points. The credit bureaus said Navy Federal added a remark to my credit card that it was fraud. I did not report my whole credit as fraud. I have disputed many charges since XXXX and it has never dropped my score. I called Navy Federal, and they said it wasn't showing on their end. I need this remark removed from my credit report. There's no reason my score should have dropped almost XXXX points for trying to get my money back that's owed to me when it's not fraud.

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 2022-04-01
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report., 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank froze my account and holding my money hostage. They froze it because they said even though the check is made out to me ( Real Estate Commission check ) XXXX XXXX the issuer has a different address on the check which is in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their automated system was triggered that it is a fraudulent deposit because the address on the check is not on my file for the account. 

I went inside the branch and spoke to XXXX XXXX the branch manager to assist me. Although she is helpful and think this trigger doesn't make any sense, her hands are tied and the Fraud department are the only ones who has the power to either hold or release my money. The fraud department told her to tell me that the only way they will remove the freeze off of my account would be for me to call XXXX XXXX to put a stop payment on the check and have XXXX XXXX to stop the payment on the check that I already deposited yesterday XX/XX/2023 at the XXXX XXXX XXXX XXXX branch through the teller and then have XXXX XXXX reissue the check to prove that the check I deposited is not a fraud. 

I emailed and called XXXX XXXX to do just that, XXXX XXXX tried to stop it and they said they couldn't stop the payment anymore because Citibank already cashed my check. XXXX XXXX sent me a copy that it cleared the account and Citibank is refusing to rectify the situation and insisting that XXXX XXXX can still sop the payment. XXXX XXXX suggested Citibank call them to verify the validity of the check but CItibank refuses to do it. My entire account is frozen and can not pay for my so n't food, bills and brother 's funeral and cremation. 

This bank is out of control and needs to be stopped. They already have my funds using and messing with people 's lives. This bank is a scammer and a fraud! It old them I want my account closed and give me my money that they have been holding and they refused an keeps telling me I have to wait between 30 to 60 days! This is NOT acceptable. End of the month is here, rent and bills are due or this creates a whole different problem for me. Everything I have they are holding hostage. I need help to get my money asap.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The reports and late payments are reporting Fraudulent.

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 2023-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2022 {$150.00} AMSHER COLLECTION SERV XXXX XX/XX/2022 {$210.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NY
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:
Re : dispute Re investigation I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file and you seem to have mistakenly verified them as accurate. The following accounts are not mine. Maybe the source is unreliable, but I need you to perform a Re investigation into these accounts and delete them Immediately : Account # XXXX XXXX OPENED XX/XX/2021 Account # XXXX XXXX XX/XX/2021 Law 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes The following accounts are in violation of these laws and need to be deleted from my consumer report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Citibank is engaging in unlawful, deceptive, & misleading business practices in violation of federal statute New York GBL 349. Citibank markets a Paycheck Protection Program ( PPP ) on a national level. Citibank provides business owners with a list of the required documentation necessary to apply for a PPP loan. Businesses rely on the provided list and submit the required documents. Despite submitting all of the required documentation, Citibank conveniently advises their business clients that they are unable to verify payroll and categorically deny the applications. At the time that businesses contact Citibank by telephone, they are informed that a telephone number for the PPP Department does not exist and that all inquiries should be sent by email. As opposed to its competitor national banks such as XXXX XXXX  XXXX XXXX which both have dedicated PPP Department customer service representatives assisting business clients with PPP applications, Citibank makes it impossible to receive the assistance that businesses not only desperately need to financially survive but also deserve as loyal business clients. Afterall, PPP applications must be submitted to the bank where businesses have accounts. When businesses send emails to the provided email, they receive generic emails which cause immense confusion, aggravation, and unnecessary delays. This is because the email responses do not clarify what, if anything, is missing from files in order to obtain approval. By way of limited example, email responses provide information regarding loan forgiveness which is irrelevant because a PPP loan has not yet even been approved, thus making forgiveness options irrelevant. On another example, email responses provide a telephone number, but the provided phone number is for general Citibank inquiries and the representatives advise that they have no information regarding PPP loans. Yet, on another example, email responses advise businesses to reapply. However, upon re-applying and again submitting all of the required documentation specifically following the required documentation list provided by Citibank, businesses once again receive emails stating, unable to verify payroll. Citibank fails to advise business clients as to the exact resolution measures. Citibanks unlawful, deceptive, & misleading business practices cause tremendous financial issues for businesses attempting their very best to survive during these uncertain times. I respectfully request that the Consumer Financial Protection Bureau investigate Citibanks unlawful business practices and implement penalties accordingly. Thank you for your time and 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 explanation