BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
Company: CITIBANK, N.A.
State: TX
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:
There have been multiple unauthorized payments made from my XXXX XXXX   checking account to Citibank using fraudulent credit cards that are not associated with me. According to XXXX customer service representatives, the XX/XX/XXXX {$26.00} returned item fee was generated due to an unauthorized Citibank credit card trying to make a fraudulent {$11000.00} payment.

XX/XX/XXXX FEE - RETURNED ITEM - {$26.00} XX/XX/XXXX CITI PAYMENT PAYMENT XXXX - {$2000.00} XX/XX/XXXX CITI PAYMENT RETRY PYMT XXXX - {$11000.00} Since I have four Citi Credit Cards and they all have been setup to do autopayment by my XXXX XXXX 's checking account, I checked all these credit card accounts and none of them had these amount of transactions. It seems that this criminal was issued a Citibank credit card by Citibank and stole my checking account number from Citibank database or Citibank leaks my checking account information to this criminal. I called Citi Credit Cards Customer Service multiple times ( XX/XX/XXXX- XX/XX/XXXX ) to find out which Citibank Credit Card/Account illegally using my XXXX XXXX 's checking number to pay for this criminal 's account. So that this criminal could be caught and stop to perform illegal activities again, but Citibank Customer Service and Fraud Investigation Department failed to make effort to identify this criminal 's account and let these fraud transactions happen again and again.

A similar case happened on XX/XX/XXXX with an unknown XXXX Credit Card to withdraw {$5200.00} from my same checking account, I called XXXX XXXX customer service and they identify that criminal account with couple of phone calls, then my {$5200.00} was refunded.

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 monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: WV
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:
On experian it show XXXX XXXX XXXX  loans both different amounts and open at different time. I never received documents of amount owed once account was closed. All 3 credit bureau show different closed dates and information. Student loans closed paid in full on experian and XXXX  but shows open with balances owed. All student loans are satisfied. Different amounts past due on credit card balances and different dates. Experian has duplicate reports of same accounts. This has lowered my score drastically with improper reporting and duplicating accounts as well as incorrect reporting. I've disputed items with the credit bureaus with no resolution.

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 2021-07-06
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX, I was having financial difficulties but I found about my XXXX XXXX account gone into collections by checking my credit report. I contacted the debt collector, ALDOS sometime in XX/XX/XXXX. I paid the balance in full. I tried to ask them for in exchange for paying the debt in full to remove it from my report. They told me it could not be done. I paid them in XX/XX/2020 because I was working on improving my credit report and score. I am even working with a financial advisor to help facilitate this goal further. 
Since the balance has been paid in full. I would like to have this removed from my credit report as it is having a negative impact on my score and history. I am trying to move forward to correct my mistakes during a difficult time for me to support myself financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report that I did not authorize. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and it violates my rights as a consumer. These unauthorized inquiries are a hindering my ability to obtain any credit. There are even inquiries listed from a dealership in another state that I have n't lived in 4years. I only have a car loan with XXXX XXXX XXXX XXXX XXXX. I has a preapproval before I got my car and I did n't need to be qualified through any other lender. I also did not give my permission to run my credit through any other lenders. I have tried to contact the companies in writing and by calling but to no avail I have n't gotten a response. I have contacted the credit bureau only for them to tell me I have to contact the creditors. I need a resolution to this problem because I did not authorize any of these inquiries listed below. 1XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 3XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX 5.XXXX XXXXXXXX Reported XXXX XXXX XXXX { Finance } 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 .XXXX XXXX { XXXX XXXX XXXX } These are all unauthorized some are duplicates from different occasions I did not apply for credit with these companies.

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 2022-08-30
Company: Early Warning Services, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear CFPB, I was recently denied the ability to open a bank savings account. Early Warning advised me on XX/XX/XXXX ( copy attached to complaint ) that " the status of the relationship with the inquiring bank '' was the negative factor affecting something they described as my " Deposit Account Score ''. It has come to my attention that reports indicate that in XXXX Early Warning agreed to pay nearly XXXX XXXX dollars for violating the Fair Credit Reporting Act in how they respond to consumer file requests. I write CFPB to complain that Early Warning fails to define what their terminology " the status of the relationship with the inquiring bank '' means in plain English, and also request to know if Early Warning has issued a fraud alert on me. It is my understanding that Early Warning improperly failed to inform consumers requesting their Early Warning Deposit Account Score that fraud alerts were on their accounts, leaving them in limbo trying to correct their financial reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to the fact that my Identity was stolen a fraudulent account was opened up with Barclays. I have a police and FTC report in regards to being a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Vengroff Williams, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been calling my business for collection of ex-husbands business debt for XXXX XXXX  storage. My ex-husband owned the business prior to our marriage and I had no involvement in that business. We have been divorce 2 years and he has filed for bankruptcy. I have spoken to XXXX XXXX a number of times and have explained the situation. They now have referred it to a collection agency who is calling everyday and is being verbally abusive and disruptive to my business. The number is coming across as XXXX XXXX XXXX with the company name as Vengroff. I do n't know anything else about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: First Advantage LNS Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid prior to being sent to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws, states reports containing information solely as to transactions or experiences are to be excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from me and my family. Thank you for your time!

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 2020-12-13
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to Credit Acceptance Corporation since XX/XX/XXXX about late payments on my credit report that they stated that I would not have negative remarks for in XX/XX/XXXX. In XX/XX/XXXX, I opened up this loan for a family who needed to obtain a vehicle-XXXX XXXX XXXX. They fell upon hard times and the vehicle was picked up XXXX XXXX. I paid the recovery to get the vehicle back on track and was put in a repayment plan to catch up the past due balance. I asked specifically when I spoke with the representative on XX/XX/XXXX and they told me that as long as I kept the arrangement then I would not be reported late. I personally repossessed the vehicle from the family member to ensure the payments would be made on time. I have 5 late payments on this account because the arrangement was for 18 months and I paid it off the arrangement early while caring for my then XXXX spouse and was told that I would not have a late payment by setting up the arrangement. Every payment has been made on time for the last year and a half since my husband passed away. I keep up the maintenance on the vehicle by going to my local XXXX dealership in XXXX, XXXX XXXX XX/XX/XXXX, this vehicle left me and my XXXX kids unexpectedly on the side of the road because it was running hot and shutting off with no prior warning. I had the vehicle taken to the dealership and they stated a multitude of issues that were expensive to repair. I called Credit Acceptance on XX/XX/XXXX and spoke with XXXX and explained what occurred and asked for an arrangement in order to pay the balance and still get the vehicle repaired. I SPECIFICALLY ASKED AGAIN IF I WOULD HAVE LATE PAYMENT ON MY CREDIT REPORT WITH ME SETTING UP AN ARRANGEMENT AND SHE SAID I SHOULD NOT. The agreement was XXXX that day which I paid and XXXX a month starting XX/XX/XXXX. On Friday XX/XX/XXXX, I get a notification from the credit bureaus stating that this same organization had updated my credit report 30 days late and dropping my FICO score 37 points with XX/XX/XXXX. This company does not respond to any correspondence. They have falsified information to me on several occassions about credit reporting that are inaccurate. I want all of these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-11-27
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Simmons Bank. I came in to cash a check for a small amount from my father who has the same last name as me. I brought the check along with my driver 's license and Simmons debt card to the bank teller inside the bank.

The teller looked up my account information and spent about 3-4 minutes scroupoulousy looking it over for whatever reason. He finally asked me " whos signature is this because it doesnt match what have on file ''. I replied in litteral disbelief " My dad 's signature ''. He then said to me " no it's not his signature because the signature on this check does not match the signature I have here '' The teller then tried calling my dad and dialed the wrong person.

I then called my dad and told him what was going on. He was not happy about this and told me he would take care of it. He called his hometown branch location and told them what was going on. He called me back to let me know that it had all been taken care of and they should let me cash the check now.

After I got off the phone with my father the teller manager came over and asked what was going on. The normal teller I had been dealing with showed the signatures to her and all she sassily said was " Oh yeah those aren't even close! '' And walked off without even speaking to me. Nobody asked how important the check was or discussed it with me. Nobody cared! I was panicking because my rent was due at the end of the day. I literally left the bank crying because of the way I was treated. The Simmons teller for whatever reason wrote my simmons account number on the check before I left. 

Thankfully my XXXX XXXX was able to take the 2-day hold off of the check after I talked them about why my Simmons account number was written on the check and my awful experience at Simmons.

I feel as though the simmons teller saw that I had {$3.00} in this rarely used account and assumed my business was fraudulent. If I kept a higher balance he would not have cared. 


As of XXXX/XXXXXXXX19 I tried emailing Simmons customer service and never received a reply about my problem. I work during their normal business hours. Simmons actually took away my ability to withdraw money from the atm with my debt card. I was able to get ahold card holder customer service and the lady had me confirm my identity. After explaining my situation to her she tells me that their fraud department had set my atm limit to {$0.00}. She wouldn't tell me why. I finally got her to turn the limit up temporarily so I could most of my cash out of my account ( {$380.00} ). 

As of XX/XX/19 I tried using my Simmons debt card to try and use up the remaining {$16.00} in the account. My debt card will not work anywhere. They had my card completely shut off.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX XXXX, account number # XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX. 


I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. TransUnion shows the date of last activity as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 

As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, 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 2022-08-30
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with CITI ending in XXXX I have an old bank account with XXXX ending in XXXX I have a new bank account with XXXX ending in XXXX I am enrolled in CITI autopay, with a payment date of the XXXX of each month I no longer use my XXXX account and forgot to update my autopay with my new account On XX/XX/22, CITI attempted an authorized autopayment of XXXX against my XXXX account. This charge was declined with for Non Sufficient Funds ( NSF ). XXXX charged me {$25.00} and Citi charged me {$29.00} as a result of this decline In the days following, CITI attempted unauthorized retries of this autopay payment. One attempt hit my XXXX account on XX/XX/22 and another on XX/XX/22. Both of these retry attempts were declined for NSF. XXXX charged me {$25.00} each. 

I have now been charged {$100.00} in fees for this single failed transaction, which was my mistake. I feel the original two NSF charges are justified as they were due to my error. 

I feel the retry attempts, and NSF fees as a result, were UNAUTHORIZED charges from CITI without my knowledge or consent. I have attached a screenshot of the Autopay Terms and Conditions directly from the CITI website. These terms and conditions do not state that CITI has the right to automatically retry any failed attempts. Therefore, these attempts were unauthorized and they should be held liable for the fees that I incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I completed the income based repayment plan renewal and received an email confirming the repayment plan was approved on XX/XX/2018. I received an email for the change in terms on XX/XX/2018, stating that my new payment due is {$440.00} per month and that payment schedule replaces all previous schedules for this loan. All emails after XX/XX/2018 have stated payments have been accepted and that amount is my current due amount for the loan. I now have a balance due of {$580.00} due on XX/XX/2018. There was no notification of a change in the monthly payment. This amount includes no additional fees, only principle, and interest. This is the second time Navient has failed to notify me of changes in my monthly payment and sent me a bill for an incorrect value. I have contacted the company about this issue, they just fixed it last time. They need to be held responsible for sending incorrect changes, failing to notify borrowers their bill has changed, and changing the bill to an amount that is different than the agreed terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Sterling Infosystems Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my background report there is someone else 's name on some of the criminal charges these " charges '' with someone else 's name on them cost me a job. Thank you for your time. 

Sincerely, 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 explanation
Consumer complaint received 2022-08-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I canceled a funds transfer of {$200.00} with Moneygram on XX/XX/XXXX an as of XX/XX/XXXX my funds have not been refunded.

Company response to consumer: Closed with explanation