BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new online checking account from Citibank in XX/XX/2020. A new checkbook was delivered soon after. I wrote a first check in XX/XX/XXXX. In XX/XX/XXXX, I got notified that the check was blocked/frozen and a returned check fee {$12.00} was charged from the other bank. I had to pay the original payment and the return fee. 
I called Citibank and asked about the returned check. The reps told me that it was blocked because I did not yet activate checkbooks/check writing. 

I have never heard of checkbook activation before. There was no notification regarding activation in the envelop with the checkbook. I was unable to find any policy about checkbook activation from the document/terms and conditions I received when I have opened the account. I was not able to find any policy regarding checkbook activation in Citibank website either. 

I activated the checkbook after long phone conversations. I also got refund the return check fee {$12.00} after another long phone call, on the discretion of the supervisor, even though the fee was from another bank, not Citibank. However I want Citibank to be more clear about rules so there would be no surprises for their customers.

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 2021-02-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach Enhanced Recovery Company on numerous occasions regarding this debt that I allegedly owe for {$1000.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Enhanced Recovery Company nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Enhanced Recovery Company provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach Phoenix Financial Services on numerous occasions regarding this debt that I allegedly owe for {$1900.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Phoenix Financial Services nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Phoenix Financial Services provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Navient Solutions, LLC.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Department of Education/Navient. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Those accounts are not my accounts

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 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the XXXX and my local police department. I send all documents to the C.R.A and Department of Education/XXXX, XXXX XXXX/XXXX, and Capital One Bank USA. The Account Opened is Department of Education/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive contact XXXX XXXX  about a credit that got on my account that was not mine. Ive contacted them more that 5 times. XXXX  said they agreed to take it off one moment. Then next moment they decided not to. It have been 7years and i still can not get this off my account. 

XX/XX/2010 {$370.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: WI
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:
Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2. 
This item remaining on my credit report is in violation of federal law. ( XXXX ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXX XXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
By clicking " Get Free Credit Report '' on the Transunion website, you are automatically signed up for a {$24.00} monthly subscription to their credit monitoring services. You are prompted to enter a credit card to verify your identity, and nowhere does it say that you are about to be charged an amount monthly.

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 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. XXXX XXXX is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from XXXXXXXX XXXX or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.

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 2021-02-05
Company: Experian Information Solutions Inc.
State: GA
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 received a copy of my credit report and ACT Account is showing on my report in which I have no knowledge of this account. Under the Fair Credit Report Act please remove the fraudulent information which is hindering me from purchasing a home.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a copy of my credit report and ACT Account is showing on my report in which I have no knowledge of this account. Under the Fair Credit Report Act please remove the fraudulent information which is hindering me from purchasing a home.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2.

This item remaining on my credit report is in violation of federal law. ( XXXX ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXXXXXX XXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.

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 2018-07-08
Company: SUNTRUST BANKS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing this letter to dispute several unauthorized charges in the amount of {$9300.00} on my Suntrust XXXX  account. These charges begin XX/XX/XXXX from a merchant by the name of XXXX and extend to XX/XX/XXXX from a merchant by the name of XXXX 5 totaling {$10000.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Suntrust customer told me that I can write a dispute letter.

I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Enclosed are copies of the disputed charges supporting my position.

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 2018-03-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX hasn't sent any correspondence, nor have they responded to letters sent in reference to a debt claimed. Date opened XXXX for XXXX. I've disputed this debt through credit agencies, however the debt was updated. I've asked fro verification including original contract/signatures and that hasn't happened.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been a customer of Capital One for almost two decades. I am now going through a divorce and have lost substantial income and am paying alimony and child support. I have had my house up for sale for 9 months and it has not sold. I have talked to bankruptcy lawyers, debt liquidation companies and have finally decided to enroll in a debt management plan with XXXX XXXX XXXXXXXX XXXX. All of my creditors have agreed to enter the plan except Capital One. I am trying to make this right with my creditors and not file for bankruptcy. I am drowning in debt with high minimums due and high interest rates. I am paying out every month more than I bring in. 

The Counseling company said the reason Capital One gave was that I was denied because I was already in an internal program and had to wait one year to enter into another one. I have called Capital One several times and they confirm I am not in a program. Almost a decade ago they are reporting I took an interest rate reduction at that point and there are no hardship programs available except for waving late fees. I am current on all of my payments and have been for some time, so this will not help me. In speaking to Capital One today they have said they are not willing to help me in this financial crisis of my life. 

Please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Bureau, I placed a small money transfer transaction with MoneyGram today, XX/XX/18 around XXXX XXXX for a small amount, though it may not seem like a whole lot it is indeed a useful amount for my recipient outside the U.S., in XXXX XXXX to be exact so it be used for personal needs.

After writing an email to Moneygram customer service today, who never got back to me ( falsely advertising in the website that someone will reply back shortly ) and then placing a call to one of the customer service representatives ( XXXX   who wanted me to cancel the transaction instead and try again ) and lasty, chatting with someone online about my money transfer problem ( her assistance was non-existent, rather asked me over and over what the issue was ). In turn, no one was ever able to tell me what happened to the email confirmation ( which contains a code # that needs to be provided to the recipient so the funds can be picked up by the recipient ).

Moneygram has debited my account and charged fees for this transaction and it has not been completed on their part, though it shows on their website that the money is ready to be picked up - but I need the confirmation Email to do that. In turn, the customer ( me ) is left wondering what is the purpose of debiting my personal checking account if the company is not going to make good on their promise and this is not only is embarrassing for the company, but also embarrassing for me since I've waited close to 9 hours waiting for a MoneyGram confirmation Email that includes the access code ( which is different from a reference # provided once the transaction has been completed on their website ) and my recipient is left empty-handed.

This type of behavior, which is quite detrimental to the customer base and dysfunctional is nerving and quite upsetting that my time and money has been spent and still have no answers or a solution. This company does not has the proper tools, processes, training of its employees or even basic general good faith practices when dealing with other people 's money and do not make the customer feel secured and safe funds that my funds are being handled properly.

I sincerely hope that you look into this matter further and you will surely find other similar cases, if not worse, because this is not the first time it has happened to me. Moneygram 's lack of integrity and commitment to the consumer is a complete nonsense.

Thank you.

Company response to consumer: Closed with explanation