BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I was mailed a statement from Wakefield and Associates for {$1100.00} in XX/XX/. After reviewing the details from the statement I was issued, I contacted an attorney through XXXX / XXXX in XXXX, Colorado. My attorney drafted a letter on my behalf and mailed it to Wakefield and Associates on XX/XX/ which concluded with the following statement " For now, and until instructed otherwise, ( my name ) asks that Wakefield, and/or any agents on its behalf, communicate with her directly about this issue. Such communications should be reduced to writing and mailed to the address set forth above. ( my name ) demands that Wakefield make no attempt to contact her by telephone. '' Wakefield and Associates contacted me via phone yesterdaXX/XX/XXXX at XXXXMT to inquire about the statement that was mailed to me in XXXX. I did not respond to the gentleman 's question. I simply replied that I was at work and did not have time at the moment to speak with him and ended the phone call.

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 2021-07-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX Some one send through my account XXXX XXXX and right after the same day another XXXX $ to a guy i don't know named XXXX XXXX. As soon as i found out i called the fraud department of citi bank, they temporarily put back the money while doing their investigation. After few weeks without letting me know, they took back the money from my account, putting me in really difficult position, i was't able to cover my rent. 
I work in construction and don't make much, but always able to take care off my bills. 
Also, since last year, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have been charging me monthly during covid, while the gym was closed, i called the bank and told them not to allow any charges. After the gyms opened, the local gym that i was signed up was closed, meanwhile the XXXX was still charging me, over all most of my savings for this year were gone from my citi bank. I closed my account with the bank today as of XX/XX/XXXX. I am not sure if i will ever get my hard earned money. Any help will be really appreciated in this hard times. Thank you in advance if you can do anything to help.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance XXXX {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-10-08
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off an XXXX XXXX account XX/XX/XXXX the original dedt was from XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX BAT T XXXX XXXX XXXXOpen XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. XXXX BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY XXXX : XXXX : ACCT INFO DISPUTED MEETS XXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTIR : XXXX XXXX SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00}, XXXX XXXX XXXXXXXX Balance : {$2700.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX MOT XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. US DEPT ED XXXX {$730.00} US DEPT ED XXXX {$6000.00} US DEPT ED XXXX {$8100.00} US DEPT ED XXXX {$4900.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$5200.00} US DEPT ED XXXX {$3900.00} Inquiries : XXXX  Date of Inquiry XX/XX/XXXX XXXX Premier Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/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 2022-09-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have no knowledge of this account. I am an XXXX XXXX XXXX XXXX and during the time this account was opened I was on XXXX. 
I have opened a dispute with CitiBank and emailed their Corporate Offices and have received no response. I am currently in the process of buying my first home, and these late payments are the only detrimental items currently reflected on my credit report. 

I hope that you will deeply consider my request and I thank you for your time in advance. 

Very Respectfully, 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 explanation
Consumer complaint received 2019-08-22
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was recently transferred from XXXX to XXXX. The mortgage was originally taken out in XX/XX/XXXX for {$200000.00} and then refinanced in XX/XX/XXXX to secure a lower interest rate and that agreement is attached. The principal at time was {$180000.00} and was for 23 years at {$1200.00} a month. That mortgage agreement was with XXXX XXXX XXXX  XXXX XXXX. After the XXXX  refinance, my loan was transferred to CitiMortgage for servicing. In XX/XX/XXXX, I was temporarily unemployed and worked with CitiMortgage to enter into a forbearance agreement in which it was our understanding from our discussions with CitiMortgage that any missed payments and interest would be added onto the back end of our mortgage when payments resumed. The principal at the time of the modification was {$150000.00}, which included all principal and interest and our payments would be {$860.00}. We assumed that the lower payment was a result of our mortgage being into the 17th year of the term. We never asked for or agreed to a new maturity date of XX/XX/XXXX!! I was XXXX years old in XX/XX/XXXX and we would never have agreed to a mortgage commitment until I as XXXX years old ( XX/XX/XXXX!! ). We had other options at the time and certainly would had pursued them at that time had CitiMortgage made full disclosure. I am a XXXX XXXX  and spent most of my professional career in financial services  and could not believe the extent of that CitiMortgage misled us about the impact of deferring payment due dates. I only discovered this recently when our new servicing company, XXXX, had an amortization calculator on it's website. I used it to see how soon, by increasing my payments, our mortgage would be paid off. That is when I discovered the XXXX Maturity date. I contacted XXXX and they sent me the XXXX mortgage agreement as well as the XXXX modification which I am attaching for your reference.

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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

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 2017-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution, as well as protection from future attempts to steal my identity or lines of fraudulent credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Comenity Bank has been contacted in writing 3 separate times with a request for me to receive paper statements of my accounts. I was locked out of my online portal where I had been making my payments and my ability to reset a password was disabled. 
I continued to receive emails with payment due alerts and increases to balances of each account due to late fees and interest. Amounts due on accounts are far higher than when I was able to make payments on a regular monthly schedule. 
I requested paper statements so I could view my account history and make certain no additional charges had been applied as I have had this issue in the past with Comenity and they have had to credit my account due to errors on their end. 
For instance my payment would be due on XXXX of the month and I would make payment on XXXX or morning of XXXX and receive email confirmation but then at later date get notification and late fee applied with no record of payment made. I would contact my bank and see payment was debited on or before due date, share this with Comenity and they would then credit my account correctly. 
I am hoping to resolve these issues as they are affecting my credit history greatly. 
This is in regards to XXXX, XXXX, and XXXX and XXXX. All three accounts have been closed and I was making payments on them up until they locked me out. TheLoft card I was alerted was sold to another credit entity that I will have to work with thanks for the missteps by Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I had a garnishment and I tried speaking to Bank of America legal department and explained that the {$1000.00} was mine and it was taken out of my retierment money. I went to court and the judge ruled in my favor. They still refused to release the money because I closed the account. Please see what can be done. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL Phone XXXX email XXXX Thank you for you attention. 

Wwe

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I submitted a formal written request to all 3 credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by XX/XX/XXXX TransUnion andXX/XX/XXXXon XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.

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 2021-07-13
Company: GOLDMAN SACHS BANK USA
State: FL
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: Other problem getting your report or credit score

Complaint:
GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CARD Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was charged three times by XXXX XXXX  totalling close to {$630.00}. I have never used XXXX  XXXX. I called the same day the unauthorized charges were made. The bank canceled my card and sent a new one, I was than told they couldn't do anything else until the unauthorized charges went through because they were still pending. And to call back once they posted. Once i called back they asked me to fill out some paperwork and fax it back, which was done in a timely manner. Than i called a few times asking about why the money had not been refunded to my account and they reassured me the money would be refunded to my account Wednesday, XX/XX/XXXX. Which had been drastically longer than i was originally told. When the XXXX came and my account was still not refunded i called back and they told me they denied it and the case was closed. This bank is constantly putting a hold on my card for transactions that i frequently make. Yet when the unauthorized charges were made which should have flagged the fraud department because i have never used XXXX XXXX  and the charges were for large amounts of money that i dont normally spend ... they did nothing and let the charges go through without a problem. I have no idea how my information was compromised because i had the card in my possession the whole time. But it was and it caused alot of problems for me. I have bills that are still unpaid and now i owe even more due to late charges. I believe this bank is responsible for giving me a false claim that im protected against fraudulent charges p

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CURO Intermediate Holdings
State: OH
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:
Certified letter was sent to Ad Astra asking for documentation bearing my signature to verify debt listed on credit reports. 
Letter was signed for by XXXX XXXX on XX/XX/XXXX, per Certified receipt from usps tracking # XXXX Documentation without signature was received back stating " We have reviewed your file with Speedy Cash and determined the facts in reference to this debt are consistent with the information provided by client. '' Second letter was sent to Ad Astra stating they had failed to provide me with viable evidence bearing my signature, showing the account was reported accurately. This letter was also sent Certified and signed for by XXXX., per Certified receipt from usps tracking # XXXX No response received from this letter. 

Certified letters were mailed to XXXX, XXXX and XXXX. The letter stated that Ad Astra failed to verify this debt bearing my signature and it should be removed from my credit report. Only received a response back from XXXX  stating I should contact the creditor for validation. Item was removed from XXXX  credit report. However, still shows on XXXX  & XXXX.

Certified letters were received by all three credit agencies as per Certified receipt from USPS. 
XXXX  - received XX/XX/XXXX XXXXXXXX XXXX  - received XX/XX/XXXX XXXXXXXX XXXX  - received XX/XX/XXXX XXXX As per Fair Credit Act Section 611 ( 5 ) ( A ) ( 1 ) ( i ) ( ii ) this item must be deleted as it can not be verified.

Company response to consumer: Closed with explanation