BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: CITIBANK, N.A.
State: CA
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:
Citi closed my account in XX/XX/XXXX and make it active now without my knowledge. 
Citi closed my credit card ( Citi Double ) in XX/XX/XXXX. When I reached out to Citi about the account closure, I was told it was due to inactivity. I complaint about not being notified and was told a notice was sent to my old address in XXXX. Citi indicated that I have just moved in XX/XX/XXXX and never received the notice. Citi informed that that there is nothing could be done about the closure. 

Citi Double continue to show up in my online banking as " closed '' account and I did not remove it from my online banking account. On XX/XX/XXXX, I received a notification that a Citi account on my Transunion credit report was recently listed as closed. When I logged in to my Citi online banking, the account is no longer " closed '' and there is a statement generated. 

I reached out to Citi on XX/XX/XXXX about the account and voice my concern that a closed account becomes " active ''. And I was told the account is " open ''. After I explained that the account had been closed for over a year, I was told Citi will look into it and get back to me. 

Attempts to reach Citi by " chat '' function leads to no where. 

I showed up for a in-person appointment in Citi on XX/XX/XXXX in an attempt to understand/resolve issue. The banker dialed Citi credit card and the representative continue to insist that the account was never closed as " it is illegal to re-open the account '' without my input. Citi customer representative insisted that the lack of e-statement for credit card is not proof that the account was closed. I requested that the account be closed during the phone call. During this conversation, I was told by the customer service representative over the phone that it is possible that the account was " suspended ''. But the account was absolutely not closed as to re-open the account, it involves pulling my credit and Citi absolutely did not do that.

Even though Citi Card denied the account was ever closed, an inquiry into my Transunion credit report on XX/XX/XXXX, under 19 changes to my report, two regarding my Citi Double card. 

1. Between XX/XX/XXXX and XX/XX/XXXX, you made 8 out of 8 payments on time ( or didn't have a balance to pay off ) 2 Under updated account information, CITICARD CBNA, it is noted that " Between XX/XX/XXXX and XX/XX/XXXX, the following remark was removed ( bolded ) from the account : Closed

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 2021-04-07
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receive 2 to 3 calls per day from XXXX. They mailed me a notice about unpaid XXXX fees that are not mine. I sent them a not my debt letter via usps physical signature required and also requested they do not call any more. They still attempt to call 2 or 3 x a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: MN
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:
XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXXl XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX The inquiries listed above were obtained without my knowledge or consent. I am requesting XXXX remove them from my credit report immediately. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: HCFS Healthcare Financial Services of TeamHealth
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:
Requested from XXXX XXXX XXXX exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?

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 2019-01-17
Company: EQUIFAX, INC.
State: FL
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:
Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, Trans Union, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

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 2019-01-17
Company: Experian Information Solutions 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 sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXXI Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened  XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX am looking at filing a lawsuit against this company if it doesnt address the issues at hand.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: MS
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 have disputed these accounts but never got a updated on them being removed

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 2020-05-09
Company: DISCOVER BANK
State: MO
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:
In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with Discover Card and XXXX  Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The Discover Card account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of Discover not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from XXXX  Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either XXXX  DID NOT do a through investigation and did not give me my due process or when Discover Card sent information to XXXX  they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a loyal Chase customer for the last decade, and have two credit cards with Chase, including a Chase Sapphire Preferred Card. I always pay it on time, I use it frequently, and it's yet the card that is punishing me with a tremendously high APR of 24.99 %. I called up and got cavalier and nasty client 'relationship ' representatives who were not able to budge on the APR, despite the fact that all of my other credit cards were. I have done a good job of increasing my credit scores, I have no bankruptcies, leans or anything that should be allowing Chase to punish me, and yet they are not willing to budge. They tell me that there's nothing they can do, that it goes through periodic reviews, but that I can not ask them to lower it, and they're quite nasty about it. I have never heard of such a thing. My other credit cards lowered my APR over the phone by at least 10 %, and Chase isn't willing to come down at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Cedars Business Services, LLC
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:
Cedars Business Services is attempting to collect a debt on behalf of an XXXX city, the city of XXXX. They are claiming an amount due of {$240.00} for a traffic violation, plus a fine of {$180.00}, plus a penalty of {$61.00}, for a total of {$4900.00} for a traffic violation. Cedars is also trying to collect a similar debt on behalf of the city of XXXX in XXXX. In both cities, I rented a car. In XXXX, in every other country, if there is a speeding ticket, it goes to the rental car agency and they take the payment directly from my account, plus a processing fee. So to me, this is very suspicious. Why are two traffic violations totaling nearly {$1000.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX a civil judgment was entered against me by Kimball Tirey and St. John. Since the filing I have contacted the law firm in an attempt to resolve the matter and spoken to XXXX XXXX and her manager XXXX. However my attempts have been unsuccessful. Kimball Tirey and St. John is now disguising my civil judgment as a collection account in order to bypass the National Consument Assistance Plan that has been in place since XX/XX/XXXX. Furthermore the party has now reported this to XXXX as a collection account and the civil judgment is currently reflecting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: TX
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 purchased flights on my card in XX/XX/XXXX for travel in XX/XX/XXXX. XX/XX/XXXX the airline cancelled our flights and I requested a refund through them first. I never heard from the airline in 2 weeks so I decided to dispute the charges with my credit card company ( American Express ) on XX/XX/XXXX. I was told that the charges disputed would be resolved by XX/XX/XXXX. I never received any kind of update. I started calling the week before XX/XX/XXXX to look for an update. I was told I had to wait until XX/XX/XXXX. So I called back XX/XX/XXXX asking for the resolution. They told me they have no idea when it'll be resolved and to just keep waiting. I have asked to speak with supervisors and I just keep getting the same go around. No resolution. It's been 8 weeks. And they can't give me an update because they don't know how much longer it could be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a long-time Customer of Bank of America ( i.e. greater than 20 years ) and have several checking and savings accounts with them. My credit rating is north of " 800 ''. On Friday, XX/XX/XXXX, I deposited a {$17000.00} check into my personal checking account via Bank of Americia 's Mobile Banking App on my SmartPhone. The check was from my Investment Account with XXXX XXXX. I had made other check deposits from the same XXXX XXXX account into this Bank of America account this year. Upon checking my account balance over that weekend ( i.e. XXXX XXXX ), I was informed via BoA 's web site / e-banking that a hold was placed on that {$17000.00} deposit until no later than XX/XX/XXXX. I have had this happen before, so was not surprised or concerned with this hold. In the past, as soon as the check cleared from the entity it was drawn upon, funds were credited and made available to the account. My complaint is that the check was presented to XXXX XXXX XXXX XXXX  on Monday, XX/XX/XXXX, which they promptly accepted/paid on the same day. In the day and age of electronic transactions, I was curious as to why Bank of America did not credit the funds to my account for another 8 calendar days from when it was accepted / paid by XXXX XXXX. In the past, the deposit was credited within one to two business days. I would like your organization to investigate this and enforce Bank of America to not hold Customer funds and gain interest on them for any time period longer than required to properly clear the check deposit. HOPEFULLY YOU AGREE THAT EIGHT CALENDAR DAYS IS EXCESSIVE FOR A US DOMESTIC BANK TO CREDIT AN ACCOUNT ONCE THE CHECK HAS CLEARED ANOTHER US DOMESTIC BANKING INSTITUTION FROM WHICH IT WAS DRAWN. My request is simply to have whoever oversees BoA from a state regulatory perspective investigate and determine if this practice is widespread and unfair to underlying BoA customers in terms of losing earned interest on their deposits.

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 2019-01-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I asked Experian to delete inaccurate information from my credit report a public Record, inquiries and a closed credit card account and they failed to do so I asked to send me information in regards to these accounts and they did not provide it to me

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 2020-05-10
Company: SIMM Associates, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2020 from Simm Associates , Inc. stating I had a negative XXXX balance of {$6600.00}. I do not have a XXXX account. I have never had a XXXX account. The debt claim is fradulent.

Company response to consumer: Closed with explanation