BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started a new job on XX/XX/XXXX. I received my 1st paycheck from them on XX/XX/XXXX. Since CitiBank wouldn't verify my acct belonged to me. XXXX had to cut me a live check ( paper check ). I received the check via snail mail on XX/XX/XXXX, in which I deposited in the ATM. The net pay was {$1600.00}. After depositing the check I saw that none of the funds weren't available so I tried to cancel the ATM deposit. The check was cut from XXXX XXXX I was just going to cash it at a Branch on Sunday XX/XX/XXXX. The ATM wouldn't return the check. Which what brings me to CFPB. 

I called CitiBank at around XXXX XXXX CST and spoke with a XXXX ( Supervisor ) Employee ID XXXX contact number XXXX. I explained that I've been a customer of CitiBank since XXXX and that I never had this issue and I needed the funds to be available within the next day. Being as XXXX in 1 week away. She was very nasty, unemphatic, and sarcastic. Basically, she stated that she will not release the funds no sooner than 3 days. I asked her on what basis do they base it on. She stated a multiple of things. I said like what she stated NSFs and negative balances. I stated sweetie I haven't had an NSF or negative balance. I explained that this acct ending in # XXXX was open in XXXX due to Citibank 's error. I told her that the NSFs on that acct is because of them. She disregarded that. I asked her to speak to her supervisor. At 1st she refused then stated that he's on another call. When I threaten to file a complaint on her she basically was very nonchalant. I asked her to verify the funds with XXXX and she stated she couldn't but the branch I deposited to could. I have a banking background the only department that can verify the funds us back office. 

Please review the screenshots that are attached. Clearly, it's a payroll check. Offer letter attached along with the actual check stub and it says my bank acct is still pending. Had CitiBank verification department verified within 2 weeks I wouldn't even be going through this, because I would've had a direct deposit. 

This bank is full of it I believe they notated something on my acct because I reported them to you guys before.

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 2023-09-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
To Whom It May Concern, Ive just received a notification from XXXX XXXX about a hard inquiry on my credit report, specifically to TD BANK USA/TARGET on XX/XX/2023. As of now, theres no additional information on this creditor nor any activity on it but I need to report it. Please advise at your earliest convenience. 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Report # XXXX  XX/XX/2018 Experian does not have all my employment current I have been going threw this month after month with Experian taken off information on my employment. one month all my current employment on my file the next its only 1 showing now.

XXXX XXXX XXXX XXXX XXXX XXXX  Im an XXXX  I have attach copy of my State Lic I have Attach in the past copies as proof and Experian every other month changes or removes my Employment for no reason.

I have copies of my report mail out by Experian as to how they keep removing my Employment

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 2023-09-24
Company: ROBINHOOD MARKETS INC.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was restricted for months and after providing them with all the correct documentation Robinho0d has closed my account with over {$14000.00} and won't allow me to withdraw the remaining funds. Their customer support is pretty much ran by AI or a generic script which is more and more obvious every time this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Rocket Mortgage, LLC
State: TX
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 contacted Rocket Mortgage for early information on rates and closing costs as I was just beginning research into the process of buying a home. I am working to get my credit score increased to XXXX, so have been extremely careful about ensuring no hard credit checks were made to my report yet. 

Upon submitting my initial information, Rocket Mortgage gauranteed that only a soft credit check would be made ( I have a screenshot of this ). Later that day, a loan officer called me to chat through the details. During this call, without my permission ( they have call recordings ), the loan officer conducted a hard credit check. The only reason I knew that he had done this is because I received an instant notification from XXXX. The loan officer then told me that he could not reverse this and the hard check could not be removed from my credit profile. The only step they made to rectify the situation was to offer me some sort of discount on closing costs, but they aren't willing to actually tell me what this discount would be until I move forward with choosing them as my mortgage company. This whole situation seems to be an illegal and manipulative tactic to force me into using Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Garner & Conner, PLLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I reached out to the attorneys office, Garner and Conner in Tennessee representing creditor XXXX XXXX to follow up with them regarding a payment arrangement for a balance of {$15000.00} that I had from a voluntary repossession. When I spoke to the Legal Assistant, XXXX XXXX, she informed me that I now have a default judgment as of XXXX of XXXX which now made the balance {$25000.00} accumulating interest daily. I was totally unaware about a default judgment because I never received any correspondence regarding it because of course, I was trying to work something out with them before the new alleged court date ( original court date set for XX/XX/XXXX ). I had been in contact with this office since XX/XX/XXXX to set up a payment arrangement initially dealing with a legal assistant who no longer works there. When I filed a complaint around that time, they responded by saying they had reset my court date to give me more time to arrange a payment plan. The court date was never reset, and this was also confirmed by the Nashville XXXX XXXX court. XXXX XXXX  sent me a letter stating that if an acceptable arrangement isnt worked out, the matter would be pursued in Nevada where I currently reside as of XXXX, and I hadnt heard anything else since. After speaking with XXXX, she informed me that my case would be handed off to another legal assistant, XXXX XXXX. XXXX XXXX  requested my last two check stubs and my monthly expenses which I provided on XX/XX/XXXX and offered 20 % of the balance, so Im not understanding what is taking so long to decide if they would accept my offer for a settlement. We literally just went through a pandemic, and people are trying to get back on their feet including me. I am trying to take care of this matter and get this mistake behind me, and I feel that they are stalling and I am getting the runaround. XXXX was supposed to check with her supervisor to find out what happened to the court date that was supposed to have been reset. The ball was dropped somewhere and this is not only affecting me, but the future of my XXXX  son, as I am a single mother. Ive followed up with XXXX a couple of times regarding this, and she stated that her supervisor hadnt looked into it yet and it had been 2 weeks that passed. I called today because another 2 weeks has passed and still nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Direct Recovery Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Direct Recovery XXXX is calling all my family members they see On XXXX XXXX and leaving detailed voice mail about my debt .... On Family members Voice-mail. It is making my family members angry because they do not owe 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion Credit Report Numbers # XXXX TransUnion refuses to take action in regards to Four fraudulent inquires made without my permissible purpose or authorization. 
-XXXX XXXX INQUIRY DATE XX/XX/2021 -XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 -XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DATE XX/XX/2021

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 2022-07-19
Company: Block, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I filed for fraud when I realized my direct deposit was transfered in XXXX XXXX they don't have a direct customer service number or representative only a advocate online chat. I have had many other fraudulent purchases and transfers since and was not aware of them or contacted when it was noted. I triedcntacting cash app may times and got a lot of run around and waiting with no end resolution. Not once was I properly contacted by cash app and as my money has been in the hands of a FDIC insured company I feel as such standards should be used in accordance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened a  JC Penny credit card at a JCP store  on   XXXX   XXXX    , at that time they did not tell me that card had a anual fee. Then I left for another country for  XXXX  years. When I came back, I was informed I owed the card {$130.00} annual fee. It was really unfair but I  paid it off. Finally I found this had been recorded in my credit history. It is not my false. JCP has the cheating behavior. I want to remove this charge off record from my credit history.

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 2023-12-13
Company: DK, Consulting, Inc dba Huntington Financial Services
State: MD
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:
XXXX XXXXXXXX XXXX I started receiving text messages from an unknown number stating I needed to reconcile an account that might be mine. The messengers name was XXXX, no last name given. Messages also did not have a subject nor details regarding alleged account or company of alleged account. XXXX XXXXXXXX XXXX I received another text message stating, We previously called due to the state that you reside and issued a notice to you but haven't heard back yet. Before we proceed with any further steps, including sending documents to employment verification it's essential to talk to you about your options. Please note, this issue is both time-sensitive and time-stamped, requiring your immediate attention today.Contact us at XXXX Send STOP to opt out. 

I called immediately out of urgency and curiosity. The caller said my account was from XXXX and I owed a small balance of, {$180.00} from a XXXX account, and I accrued 2 years of interest fees but they would take the smaller amount to cover the defecit. I questioned the caller because I could not find any proof of collections on my credit, I looked in my Wayfair account and my XXXX and only order was paid in full, my XXXX account showed no signs of an order from XXXX, so all signs were clear that this had to be fake. I still wanted to be sure so while the caller was getting belligerent and eager to receive a payment, I asked him if I could call back to make a payment after I verified with XXXX. He said, sure but they would tell me my account was sent to collections so I should just pay right now or suffer more fees. I asked him for the so called account number to cross reference when I called him and he gave me a XXXX number. I asked for his company name and he stated, XXXX XXXX XXXX, I then thanked him and said I will call you back because I dont believe this is right I dont have any accounts open and its not on my credit report. He continued to argue with me so I hung up and called XXXX. Confirmed my suspicions and came directly to this website per the XXXX representatives advice.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2019-04-15
Company: EQUIFAX, INC.
State: KY
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:
XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my Equifax and XXXX report updated to a back to late payments on accountThis was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: MD
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:
According to my recent credit report request from XXXX, Experian, And XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT

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 2023-11-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has a bankruptcy that does not belong to me and I have contacted them many times about this XXXX XXXX has removed it from my consumer report however they continue to verify the information as being mine although I have mailed Experian the letter that XXXX XXXX has sent me. They wait 2-3 days before thd 30 days are up and verify the information is mine I have been going thru this nightmare for over a year.

Company response to consumer: In progress
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: IL
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:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2022-07-19
Company: Albert Corporation
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Albert bank offered a new checking account bonus of {$500.00} for completing completing the following actions : * Direct Deposit $ XXXX every 30 days for 90 consecutive days * Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days Albert also offered a {$500.00} bonus for referring others to open an Albert account XXXX up to a maximum payout of {$1500.00}. On XX/XX/2022, Albert confirmed in writing that I had referred 5 people. 

Here is my timeline : * Opened account XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * Albert paid me {$500.00} for a referral on XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 At this point, according to their terms, I should have been paid a {$500.00} bonus for opening the account. Additionally, I should have received my remaining {$1000.00} for referring others to Albert. 

I have reached out to albert inquiring about the remaining bonus money. Albert told me they would look into it, then stopped responding. Additional attempts to inquire about the promised bonus resulted in no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation