BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: Real Time Group, 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:
I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I have been receiving notices from a Collection Agency ( Real Time Solutions ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to XXXX ( XXXX XXXX XXXX XXXX ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX '' not XXXX. I have been told that XXXX  has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX, I opened a new Citi Priority checking account online with Citibank under a new account opening promotion that will give the new account holder cash back ( either {$300.00}, {$700.00}, or {$1500.00} ). My initial deposit was {$52000.00} on XXXX XXXX, XXXX, to make sure I met the requirements to earn the {$700.00} cash back. As part of my normal banking operations, I will, at least on a monthly occasion, attempt to deposit checks through the mobile app feature - Mobile Check Deposit ( " MCD '' ). This feature was advertised as being available under the Citi Priority checking account benefits at the time of account opening and continues to be advertised as such. The checks I usually deposit via MCD range between {$200.00} - {$400.00} dollars each. On XXXX XXXX, XXXX, I was able to deposit a {$200.00} check via MCD. On XXXX XXXX, XXXX, I deposited a {$59.00} check via MCD. However, on or about XX/XX/XXXX, I was unable to deposit a {$300.00} check via MCD and was forced to deposit it at the local branch via drive thru. Likewise, on or about XX/XX/XXXX, I attempted to deposit a {$200.00} check via MCD and was again denied. I was also forced to deposit the check at the branch. On these last two MCD deposit attempts via the app, I was notified of the following error message after the deposits were denied : " Hmmm ... looks like we're having some technical issues right now. Please try again later. - MFA_DENY '' After several calls with customer service, the fraud department, and the local branch 's customer service agent, I was notified that some customers who opened a new account online will not be able to continue to use the MCD feature. I was never previously notified of this change. Moreover, the feature is still available in my Citibank app and the message I receive when attempting to deposit a check via MCD is that there are technical difficulties and to try again later, not that the service is no longer available. 

Therefore, I would like a clear and precise explanation as to why this feature was removed and for the feature to be restored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( 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.

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 2019-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I want to be removed from the loan that was refinanced without my permission. I originally agreed to co-sign the personal loan for the amount of {$17000.00} for my daughter. She was going through a rough time with a break up and a new baby and I offered to help her out with getting caught up on her bills and what not. This was on XX/XX/XXXX. I then agreed to change the financed amount to {$20000.00}. 

At this point I thought the loan was signed for and it was good to go. I then recently found out through checking how much time was left on the loan since it wasnt my loan and my daughter had been paying on it for what I thought was awhile. That it had been refinance twice since then I do not check my Usaa account at home or online since it is less secure and I have had my identity stolen in the past. I didnt think anything of it, just assumed the loan was being paid by my daughter for the original amount we discussed. I noticed when checking that it is not for the {$20000.00} I had thought. She has since refinanced the loans, and no one ever talked to me or spoke to me at all. She had my social from the first time applying. 

Since then there have been two refinances one for {$40000.00} on XX/XX/XXXX and then an additional one for {$46000.00} on XX/XX/XXXX. 

Neither of those times was I spoken to about the new loans. I want to be removed from those two loans as I never agreed to the loan for that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: TX
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:
Theres many accounts on my credit report that does not belong to me. Not only am I a victim of identity theft, but I also believe I've been wrongfully charged, and also never notified first for any of these negative items. I could have made them aware its not mines before destroying my financial image. Also the following federal codes has been violated when it comes to my rights. 
15 U.S. CODE 1605 15 U.S. CODE 1692 15 U.S. CODE 1635 ( F ) 15 U.S. CODE 1644 ( A ) 15 U.S. CODE 1662 ( B ) My FTC File number is XXXX I've also submitted all of this through the experian XXXX under my login, so theres no reason for Experian to request verification docs.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened up an online account with Capital One. I had a fraudulent transaction on my account. I called to dispute it. I am away at college and do not have access to a branch nearby. There was only XXXX disputed transaction. I requested that my card stay active through the weekend as they would not send me out a new debit card until Monday and today is Friday and just block the company attempting to charge my card. Capital One went ahead and froze my account without telling me and without my authorization leaving me stranded. I had requested to speak with a XXXX. XXXX several times because the offshore representatives did not understand to address my concerns. After several calls I was finally transferred to a XXXX XXXX and spoke to XXXX # XXXX. She was incredibly rude, kept talking over us and refused to provide an onshore customer service number to call on Monday. I only found out my card had been frozen when I attempted to pay a bill and was not able to do so. Capital One is holding my money hostage and will not release it. They froze my card without my permission or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I used this credit card to help Build my credit It was only valid for 2 year after it expired I destroyed the card and never reapplied a year later I start getting billed for a credit line I didnt know Was still active ..cause I never reapplied and didnt have a Physical card I called them to explain,,, they apparently closed my account now my credit is suffering and Ill still being billed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was robbed at XXXX XXXX XXXXXXXX XXXX hiking in XXXX XXXX, XXXX. My cross body was sliced from my chest after being XXXXXXXX XXXX  knocked down by a large male who did not speak any XXXX. In that cross body, contained my XXXX  ( which had my Wells Fargo app downloaded onto it as well as email app ), drivers license, cash, debit, and credit card. My bank was notified immediately after the event, on XX/XX/XXXX that I had been robbed at XXXX and my debit card that was stolen was cancelled. 

On XX/XX/XXXX, I received a suspicious email from Wells Fargo saying that face ID had been enabled. This was not me. I did not authorize this. Then I got a code via email to verify my identity. This was not authorized or initiated by me. Next thing I know, a new recipient was added to my XXXX account ( my XXXX interface is built into my Wells Fargo app ). I did not authorize this, and I have never met or heard of the name of the the XXXX recipient. Next thing I know, the entirety of my checking and savings account was XXXX  in the form of 3 separate payments to this individual. I did not authorize, nor did I send any of this money. Immediately following I called and filed a fraud claim. Since filing that claim, it has been denied, as well as denied again during every attempt I have made to appeal it. I have repeatedly been hung up on and they refuse to discuss why my claim keeps getting denied. I have also filed an FTC ( Federal Trade Commission ) claim. 

Atached you will find the police report I filed in XXXX in the following days after the incident as well as the suspicious email alerts I received from Wells Fargo regarding the XXXX transactions that were not authorized or done by 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 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX and XX/XX/XXXX Capital one starts intimating their customers before they even sighn up with them. they feel that they are above the FCC and the cfpb and that the rules and the laws set to protect the consumer and the economy do not pertain to them. Here is what they like to say to the press and to let their customer know what they think. 
It seems Capital One Financial ( XXXX  : COF ) is serious about keeping in touch with its customers -- so much so that it recently sent out an updated terms of service notice to users of its credit cards. The TOS noted that the bank reserves the right to contact customers just about anywhere it wants, and by any means necessary. 

An article Monday in the XXXX XXXX XXXX described the ominous language in the missive, such as the company 's assertion that it may contact customers remotely, as in phone calls, text messages, or emails, or even through an in-person visit, either at the customer 's home or " place of employment. '' In addition, Capital One might find it convenient to " spoof '' customers, presenting a number other than its own on caller ID in order to veil its identity, the newspaper reported. 

A normal part of doing business? 
When questioned, Capital One said it seldom does any of those things, and the visits pertain solely to loans for sports vehicles such as snowmobiles, in case the vehicle needs to repossessed. In the spoofing situation, the company said sometimes the number is " displayed differently '' by " some local phone exchanges, '' something that is " beyond our control. '' This situation would be amusing if it wasn't quite so disconcerting. Although the company told the Times it is taking a second look at the phrasing of the terms of service, it is notable that Capitol One has a reputation for being somewhat hard to deal with -- at least, from a customer 's viewpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2023 i asked to not call my references, then on XX/XX/2023 my references were called again. On XX/XX/XXXX a associate named XXXX showed up to my place of employment, called her manager on a cell phone put him on speaker, and I advised again to both of them not call my references, to not come to my job or call my job, and to not show up to my home. On XXXX XXXX showed up to my work again around XXXX, she didn't speak to me she spoke to a customer at my work stayed for about 20-30 min, and left. That same day XXXX about a hour from when she left my job around XXXX XXXX  my cell phone is called ( I'm still at work ) assisting the customer she spoke to, and then right after the missed call to my cell, my work phone number was called at XXXX XXXX and the call was disconnected. On XXXX i sent a complaint via online On XXXX my references were called once again after i asked 3 times to not call, as well as the reference stating they wasn't supposed to call. XXXX ( same day my references were called my work is called also ) ( my is manager very upset that they called ) she had to verbally tell them to not call the business once again. On XXXX i had no choice to send via text ( the number they call and text from me from ) a Cease and Desist letter, and i will send a physical copy to the store location as well. I have all calls and visits with date and times if needed. The frequent calls to references, my work, and job visits is affecting my work productivity, position, and mental health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Stillman Law Office XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as with Immediadent allegedly owing {$1200.00}. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. If you can not validate the debt, stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act & Fair Debt Collection Practices Act. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation