BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi bank denied that they had funds that were transfered to a closed account. On XX/XX/XXXX I transfered funds from a competitors bank to fund a new account. I had just opened this account with citi bank and the new funds went into a previously closed account I had with citibank instead. 
The operator said it would take 3-5 business days but nearly 2.5 weeks later it never was refunded. When I would call citi they would say just wait it will populate soon. Than citi said the just flat out didn't have it. I three way called citi bank with my original bank on the line to confirm to them they did clear it. Citi did not return my funds. After XXXX days of calling for hours every day and talking to 7-10 different people and 3+ supervisors a supervisor was able to see they had the funds the whole time! After stealing my money, lieing about it. Hanging up on me constantly when transferring, over a 5 day peorid all citi said is that they were sorry. That money has still not been put back into my account. The new account I opened was over 6 figures.

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 2020-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a secured card with XXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XXXX  payment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX I am also submitting an investigation for XXXX XXXX XXXXXXXX you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX XXXX XXXXXXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 2021-11-20
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I was given a XXXX package that was delivered, no signature required. This notice was from the company who sent me a notice that clearly stated final notice, an assumption this company has sent letters previous times via, email, XXXX, XXXX or other carries. Please make note, I have only received this ONE notice and nothing more and ONLY because it was intercepted by the current residences of the address the XXXX packaged was addressed to. I was never afforded to option to dispute this account, and have it validated/verified. If I was contacted accordingly I would have had the option to dispute the account in question however now, I am being threatened with lawyers and lawsuits. I have sent this company a validation/verification letter and also, another letter stating I did not receive any initial correspondence that would indicate a new account was established with this company, I also asked for signature verification to prove I had indeed received any correspondence from this company or proof something was signed and delivered to me. For roughly a year I was living in XXXX XXXX and no mail would have been delivered to the address on the UPS package, something that was noted with anyone I was doing business with. I feel at this point, this company neglected to send proper notification to me and because of this, I was unable to dispute an account that was opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Riverwalk Financial Corporation
State: MA
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 have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

XXXX XXXX XXXXXXXX XXXX XXXX  actually owes me money, yet they place negative information to TransUnion, XXXX & XXXX as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX

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 2021-11-19
Company: EQUIFAX, INC.
State: AZ
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from Bank of America that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from BOA. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted XXXX which I could n't do. I had to rent a car to go to work which I am in XXXX and have to XXXX. I had to take the money out of my retirement XXXX. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. BOA had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-07-17
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
Navy Federal Credit Union ( NFCU ) is accused of violating federal consumer privacy laws ( 15 U.S. Code sections 6801, 6802, and 1681B ) by transferring my private information to XXXX collections without my consent. I have formally requested to opt out of their system and validate the violation for my NFCU accounts : XXXX & XXXX. 

Based on the above violations, I request that you take immediate action to : Opt me out of Navy FCU your system and any third-party databases. 
Remove my personal information associated with NFCU accounts : XXXX & XXXX. 
Cease any further sharing or disclosure of my personal information without my explicit consent. 

Under 15 U.S. Code section 6801, financial institutions have a legal obligation to implement measures ensuring the privacy and protection of their customers ' nonpublic personal information. This includes maintaining the confidentiality and integrity of customer data. The transfer of my personal information to XXXX debt collections and other third parties without my explicit consent demonstrates a failure to fulfill this obligation. 

Additionally, 15 U.S. Code section 6802 prohibits financial institutions from disclosing nonpublic personal information about their customers to non-affiliated third parties without meeting certain conditions. One such condition is obtaining the customer 's affirmative consent for such disclosures. As a customer of NFCU, I have not provided my consent for the transfer of my personal information to XXXX debt collections or any other third parties. 

Furthermore, 15 U.S. Code section 1681B states that consumer reporting agencies, such as XXXX debt collections, may only furnish credit information to those with a permissible purpose. If NFCU shared my personal information with XXXX debt collections without a permissible purpose, it would constitute a violation of this federal law.

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 2022-05-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account SYNCB/AMAZON PLCC 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 1666B : 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 non-monetary relief
Consumer complaint received 2019-03-15
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX we received a threatening message from our former landlord XXXX XXXX XXXX XXXX XXXX saying they were going to sue us for debt that we had no clue of or were liable for. They threatened that we should settle with the owner or they were going to the legal action and ruin our credit and we would have to pay thousands to repair. 
They then sent out a repair bill totaling up to over XXXX $ in XX/XX/XXXX. 
We moved out from our rental of XXXX XXXX XXXX XXXX Texas. on XX/XX/XXXX. We were month to month after our initial lease was up in XX/XX/XXXX. We gave XXXX XXXX our 30 days notice. And they never returned our deposit or did a final walkthrough. We had to leave the keys at the house inside as they wouldn't even meet with us to turn over the keys and garage remotes. 
We haven't heard a word from them as they did have our forwarding address.6 months later ( past the 30 days they have ) they reported to credit agencies of a debt for XXXX $ that is not ours or are we responsible for. They will not answer any questions they just keep sending us bills and we didn't even live there. They are making false threats as XXXX XXXX rents several properties in our neighborhood and thinks people can be intimidated. We have disputed this with the collection agency. They hung up on me as you will hear in the recording I am attaching. As you can see we paid our rent up until XX/XX/XXXX which was our last payment. You will see from the lease extension that they provided It clearly states XX/XX/XXXX as termination of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Midland Credit Management, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I am requesting a copy of an opt-out form that allows me to opt out of this item from reporting on my credit profile under Privacy of Consumer Financial Information , 12 CFR Part 1016.

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 2023-12-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Carrington Mortgage is incorrectly reporting late payments. XX/XX/23 : Dispute reason : " nder 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late. '' XX/XX/23 : " Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please see attached screenshot of Loan paid off before XXXX with XXXX dollars due. Update Account to NEVER late. '' A letter was faxed to Carrington Mortgage on XX/XX/23. Showing over 10 errors in the account reporting. They did not fix any of them. I had to call for them to even respond to the request for fixing the account. I attached proof to Carrington Mortgage. No payment was ever 30 days past due. They CHANGED NOTHING. XX/XX/23 : Dispute reason : " XXXX - XXXX - Under 15 US Code 1692f ( 1 ). Unfair Practices- Please Delete Immediately '' Carrington mortgage just moved late payments around. They were never late. They were not 30 days past due date. I have tried disputing this with all bureaus. Please look at all letters sent to show the errors in the report. Please pay special attention to the letter sent DIRECTLY to Carrington Mortgage. This has prevented me from getting a mortgage. I sold my house with the intent to buy another one directly after, but they have caused financial harship. I have even started the process to try and file civil claims for FCRA violations. Please update to PAYS AS AGREED, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In CFPB complaint XXXX XXXX XXXX  was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX  another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.

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