BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from XXXX  or Trans Union. They were supposed to respond within 30 days.

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 2021-03-10
Company: STERLING JEWELERS, INC.
State: MD
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I XXXX of XXXX Citi offered a promotion to open a checking account and deposit {$15000.00}. As a reward, they would give me {$400.00}. 

I did this on XX/XX/XXXX. 

Days prior to XX/XX/XXXX, I had satisfied all the conditions of the promotion. On XX/XX/XXXX, I called to discuss the issue. I was told they will deposit the {$400.00} on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XX/XX/XXXX This did not happen. 

I called today, XX/XX/XXXX. I was told the deposit would happen on XX/XX/XXXX. I have no confidence that they will honor their part of the promotion. Please help with getting the {$400.00} that Citi promised 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 monetary relief
Consumer complaint received 2017-07-13
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX  this company received certified mail asking for validation of debt. On XX/XX/XXXX  the company still did not validate debt owed and they did not mark the debt disputed by   XX/XX/XXXX   through the major credit reporting bureaus. This is a violation of the FDCPA and FCRA. I did send a second letter which the company received on   XX/XX/XXXX  . A lady from the company called and talked to me about the debt on XX/XX/XXXX    but again did not have the credit bureaus mark the item as disputed. The company still violated the laws.  Section [ 15 U.S.C. 1681s-2 ] ( 3 )  duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed. ( B  ) ti me of notice! The notice required under sub paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section  603 ( p ).  This company violated the state laws. I received no information until XX/XX/XXXX . Therefore by law the company should have the item removed from the credit agencies such as transunion and  XXXX . I tried to call the company back about the laws that was broken and left my name no return call. The copy of my credit reports are below and as you can see the items was n't marked disputed.  XXXX  is marked disputed because on  XX/XX/XXXX  I myself disputed the information with the credit bureau. The lady stated they did n't receive my dispute letter until   XX/XX/XXXX    . Included is certified mail reciepts with date, time stamp, and signature of the person who signed for the certified mail on   XX/XX/XXXX     and   XX/XX/XXXX    . So again the company violated the laws and I have all the proof. If I have a contract with this company please send to me by mail a contract bearing my signature of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted both   XXXX  ,  Lexis Nexis  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both  XXXX   Lexis Nexis , and  XXXX  that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the  USA?  This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted both Equifax,  XXXX   XXXX  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section  605  ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both   XXXX    XXXX   XXXX , and Equifax that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: VA
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/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX  Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX Hospital XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.

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 2021-03-10
Company: I.C. System, 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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2022-02-11
Company: Metro Area Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This business is coming after me for illegal charges and will not remove them from my credit report. It is illegal in Oregon for an apartment complex to charge for basic wear and tear. On my itimized list it shows that the apartment is requesting I pay for paint, paint labor, staff labor which is illegal in Oregon. I have requested the collections removed. This was also involved in a judgement which the collections company has on file showing the Judgement granted for {$250.00} and the company has willing ignored the Judgement as they house the records showing the Judges ruling. The amounts have also changed without payment from me because I do not owe this debt yet it has flutucated multiple times. The XXXX XXXX can not verify the money owed so they keep taking away and adding charges as they see fit. Fair Debt Collection Practices Act ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. They have requested I pay an amount that includes my deposit paid, normal wear and tear, and hourly paid staff for their work. The Judge has denied the request but the collections company will not follow the Judgement given. Attached is the itimized list, along with the Judgement amount on the last page of the documents the Judge granted. This company is making false financial statements that is effecting my credit and my name in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX - Received email from XXXX XXXX telling me my XX/XX/XXXX savings statement is ready. XX/XX/XXXX at XXXX I tried to logon to web site for XXXX XXXX . I got into site, but could not view or access bank statement. I tried to contact bank via their savings contact number on web site, but just got put on hold ... no one ever answered. I waited on hold for 15 minutes then hung up. I called again at XXXX and once again heard " ALL OF CUSTOMER REPS ARE SERVICING OTHER CUSTOMERS ... '' this went on for 20 minutes. My wife and I have a large account balance at this bank. This was a very disappointing situation. I do not understand how a large bank can have such terrible information technology practices. Customers ca n't view their accounts or statements??? 
Please look into this matter for me. I would like to know what they are going so this does not happen in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CITIZENS FINANCIAL 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CITIZENS BANK Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
At XXXX EST on XX/XX/XXXX, 2018 I was contacted by Ally Financial from XXXX. I was not able to take the call as I was working the call went to voicemail. On that voicemail, which I still have, the agent referred to me as " garbage. '' I do not deny owing Ally and had already made arrangements to make up the payments before this call. I have been a an XXXX XXXX in XXXX XXXX XXXX for a decade and still have never been so offended. They have a right to contact me for sure, but to degrade and humiliate someone should not be allowed.

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 2022-02-11
Company: EQUIFAX, INC.
State: GA
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an online Citibank Accelerate Savings Account on XX/XX/2019. On XX/XX/2019, they sent a letter saying that they did not receive a requested information within 30 days so they have to close the account. With no warning, they locked my account so I could not withdraw my {$65000.00} deposit. In short, they " captured my funds. '' In that letter, they said they will issue a refund of within 10 business days. It is now XX/XX/2019 or more than 2 months after the letter was made and after numerous calls and complaints, they haven't returned my money yet. Each time I called, they would tell me that they would issue the check and send it by mail, which were all lies.

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 2018-01-02
Company: Credit Technology, Inc.
State: NJ
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 see a hard inquirie of credit technology showing on XX/XX/17 on my report that i never made request of nothing related to this and or similar company, try to contact then and they said to dispute a as non request iten ... thats the reason that iam little upset, because i trying to work out on my credit situation and unfortunately things start to pop out

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX2014 {$100.00} Currently disputing. 
Hello. As i was doing my research. It shows i have a debt that does not belong to me from CONVERGENT XXXX XXXX who is also not licensed in FL to collect any debts. May you please contact agency to remove debt as soon as possible. Thanks for your cooperation.

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