BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a savings account for XXXX XXXX XXXX , XXXX, in XXXX. The branch closed, but funds were transferred to another branch, never identified, at CitiBank with the same account number. The account balance was kept at just over {$500.00} to avoid maintenance fees. Additions and subtractions from the account were minimal. Then in XXXX I began to receive without explanation a threat to close the account if certain unidentified information was not supplied. What ensued were two trips to the XXXX XXXX branch, signing of paperwork, numerous telephone calls, and several letters, all responded to promptly. At the XXXX XXXX branch I was informed that my bank account was closed, but I was assured by the bank official that the account was re-opened when she telephoned on my behalf. My bank statement for XX/XX/XXXX-XX/XX/XXXXindicated a balance of {$530.00}. I received no bank statement for XXXX, however. On XX/XX/XXXX, I received another bank statement for XX/XX/XXXX-XX/XX/XXXX, indicating a balance of {$260.00} with no explanation of why funds had disappeared. On the same XX/XX/XXXX, I telephoned Citibank to inquire why I was receiving contradictory bank statements for XX/XX/XXXX. I was informed by the telephone representative that the account had been closed and that a check for {$530.00} had been mailed to me. Yet I never was informed of the closure of the account, and I received no such check. The telephone representative could not explain why I received two bank statements for the same amount for two different months. And no CitiBank representative has ever explained why I had to go through all this hassle in the first place.

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 2019-12-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Social Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone stole my information and opened a loan in my name i contacted the company sent the documents over 3 seperate times and just was left a lawsuit paperwork on my front door this account was opened fraudlently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Total Card, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My exwife received a call from XXXX XXXX from a woman named XXXX, she left a voicemail on her phone which clearly states her new married name, alos have to mention the cell phone they called is only 2 years old and was obtained by her after I opened this account has no connection to my account. She proceeded to say they were a debt collector and that I had until XXXX this evening to call her back or other action would be taken and that I would give up all my rights to dispute a voicemail that was saved. When I called I spoke with a Mr XXXX, supervisor and I advised him I had no idea what it was about as i never received a call or a letter from them notifying me of any debt. I explained that currently i am out of work and have mortgage, car payment etc. He responded by saying they should be a priority and offered to take payment now. I explained didnt have time to speak about this, to which he responded, WHY YOUR NOT WORKING YOU HAVE PLENTY OF TIME. I then tried informing him of the FDCPA and he said I was wasting his time and the only thing he would talk about would be a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Stein Law, P.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served with papers from Mountain Peak Law Group regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by XXXX. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From Mountain Peak Law group showing the original creditor and the amount owed in order to help me with this debt. I called Mountain Peak Law Group and the sent me a payment history. The only information it showed was a payment I made to them and XXXX XXXX name. I called XXXX XXXXXXXX and they refused to send me information on the debt. They referred me back to Mountain Peak and told me to ask for verification of the debt. I emailed them Mountain Peak back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital one has still not updated my credit card to reflect a XXXX BALANCE and still is charging interest. Furthermore, They have not send updates to the credit bureaus to reflect a XXXX BALANCE causing my credit score to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called USAA back in XXXX and disputed a transaction with my debit card. I paid twice for merchandise at XXXX. It was never initiated. I call back again in XXXX and have a couple more disputes by this time. I uploaded documents and show sufficient evidence. I am just told after calling USAA at least 30 times over worry, they see it is too late for the XXXX dispute. I also see they just closed them on XX/XX/2019 but continue in the Executive Resolution department to tell me to provide more information. I am also told that I have until the XXXX of XXXX. I speak with XXXX in the CEO offices over this and my closed checking accounts today. She tells me the XXXX was never disputed at all or I never called in XXXX. I told her of course you would deny because this is exactly why USAA has been in hot water. USAA has refused anything that I asked for in XXXX years. You deny any dispute over XXXX. They have held every single amount of deposits way too long making it impossible to do anything. It would not even state on the mobile app we are holding the full amount. I would make small deposits of 100.00. USAA would hold the full amount for ten days, and if holiday over this period. I have made deposits of a extra 600.00 in a check form. This too is held at their liberty. My complaint is this debit dispute is illegal and what their continuing to do is illegal. I asked for an appeal over 7 times yesterday telephonically. I received no accurate or appropriate response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sold my information to a company and they keep attempting to collect a debt that isnt owed to them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: GOLDMAN SACHS BANK USA
State: TN
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:
XXXXGreensky is currently reporting missed payments on my consumer report which is negatively affecting my life and my ability to obtain new credit. This account has been closed for years and I keep seeing missed payments on this closed account. Please remove this false, erroneous account immediately or please provide me with payment history showing the account was current until the erroneous reported missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I submitted a complaint for XXXX XXXX XXXX XXXX XXXX Ohio. My Transunion score remains low. My XXXX score is fine. Why is Transunion XXXX and XXXX XXXX? The hit to my credit with XXXX XXXX has been paid and the address with doctor corrected and my credit scores are not nearly the same. I have contacted a lawyer to contact XXXX XXXX. I had the same problem with Transunion before. If my credit scores are so vastly different there is a problem. My problem is historically always with Transunion. Not sure what they are doing but its not correct and should be corrected.

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 2021-02-01
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The following EMAIL complaint was sent to Discover Bank on! XXXX with no response. 

XXXX I would like to inform you about your negative customer service. Around XX/XX/XXXX I notified customer service that one of my IRA accounts was not posting any interest since XX/XX/XXXX. I received a message on XX/XX/XXXX that the problem was escalated and the interest would be posted in 2 or 3 days. 

On XX/XX/XXXX I faxed an IRA distribution request to close the account in XXXX because I would not be required to pay any income tax this year versus next year when my tax rate will be high. 

On XX/XX/XXXX I called to verify that the distribution was being processed and was told you will not process the distribution until they resolves the interest problem at a later date. I told them this is unacceptable and demanded they close the account in XXXX or I will file a complaint with CFPB. 

Towards the end of day XX/XX/XXXX, I received a call informing me that they will close the account and asked me to select an option for the claw-back of interest for XXXX & XXXX in the amount of {$23.00}. The options were withdrawing the funds from another account or reducing the payment payout. 

It is very cheap and greedy of Discover Bank to be more concerned about {$23.00} rather than the importance of distributing my funds and the inconvenience caused in addition to the value of my time spent reporting the problem and trying to get my IRA distribution processed. As a XXXX year old client I do not appreciate the stress you caused. It is amazing that Discover Bank worth billions of dollar will do anything, regardless of how it effects the client to recover a few dollars that may have lost through their own fault. 

I would like to know how you justify your intentional delay of distributing my IRA funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXX XXXX  Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX Information balance is {$140.00} and was posted XX/XX/XXXX 16

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On or about XX/XX/2022 at XXXX I contacted TransUnion and spoke with XXXX XXXX the name she gave me ) with id # XXXX to update information that was reporting on my consumer credit profile, she assured me that all the information has been updated and I would receive an update version of my consumer credit profile in 7 to 10 days. I received it on XX/XX/2022 but when I check my profile I notice that they were still reporting inaccurate information which is a direct violation of 15 USC 1681 ( b ) it fail to follow reasonable procedures to assure maximum accuracy of my information although they were warned that the emailed that they were using was inaccurate and I was no longer using or associated with that email and to please update it and they willfully and knowingly refused to do so, and continue to report incorrect information.

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 2022-01-20
Company: EQUIFAX, INC.
State: NY
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:
I am very upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage has been sold for the second time since I purchased my home in XX/XX/2007 {$240000.00}. XXXX recently sold my mortgage to Select Portfolio Servicing. My Original loan amount and interest rate has increased to {$240000.00}. My mortgage debt with SPS does not reflect any previous payments made to XXXX XXXX. This looks as if I just opened this loan. I feel that I am a part of a Mortgage selling scam and I'm stuck with an increased debt that I never approved. I am asking for a full investigation of my current and previous Mortgage holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. XXXX XXXX and XXXX XXXX are attorneys at Gurstel Law Firm PC. XXXX XXXX and XXXX XXXX have taken it upon themselves to willfully violate my consumer rights that fall under the fair debt collection practices act. I am aware that it is FALSE AND MISLEADING for any attorney to attempt to collect any alleged debt, making this a violation under the fair debt collection practices act for any attorney to attempt to collect any debt. XXXX XXXX and XXXX XXXX have been aggressively attempting to collect from XXXX XXXX. XXXX XXXX and XXXX XXXX were sent a cease and desist letter, requesting they stop harassing and and mailing threaten letters to XXXX XXXX. The cease and desist was sent and received by XXXX XXXX and XXXX XXXX through the Consumer Financial Protection Bureau on XX/XX/2023 file number XXXX. Since then XXXX XXXX and XXXX XXXX has continued to willfully disregard the cease and desist letter. On XX/XX/2023 XXXX XXXX and XXXX XXXX mailed yet another false and misleading document to XXXX XXXX, pertaining to case number XXXX. XXXX XXXX and XXXX XXXX are now attempting to request a entry of default and a clerks judgement. These actions are false and misleading again for an attorney to commit when attempting to collect an alleged debt. Because dating back to XX/XX/2023 XXXX XXXX attempted to sue XXXX XXXX. A response was sent back to XXXX XXXX through the court denying all allegations and asking the plaintiff to prove the allegations in court. No response was given and no court date were given or missed. So for XXXX XXXX and XXXX XXXX to attempt to request a entry for default with no proof of any signs of court dates missed is again false and misleading actions from an attorney. XXXX XXXX has not caused any damages and if so, XXXX needs to be shown in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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