BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I report numerous violations commited by Citi Bank and request to impose appropriate sunctions that will motivate that financial institution to obey the law.

Citi

Bank violated FCDPA 804. ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer by calling and refusing to disclose the identity of the employer when I explicitly requested that. Citi Bank violated FCDPA 807. ( 8 ) includi ng the failure to communicate that a disput
ed debt is disputed by not notifying me about alleged debt. 
Citi Bank failed to validate the debt before reporting it to consumer reporting agencies by violating FCDPA 809. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector On XX/XX/XXXX I got a call from a person who didn't want to introduce himself neither disclose the identity of the company till I confirmed my name, though such an action classified as a violation of FCDPA. But I already knew that Citi Bank employs such deciving practices so it didn't surprise me. Then, I was asked why I didn't make minimum payments for my credit card. I was taken off guard since I saw payments going to Citi Bank in my online banking. Then we started to investigate the issue. It turned out that in XX/XX/2019, a Citi representative made a mistake while setting automatic payments and linking an unexisting account over the phone. Then, for 3 months Citi failed to call me or send me an email notifying that autopay didnt work and they didn't receive the payments. When it was clear that it was only an error on the bank 's side, Citi representative apologized for a mistake, reversed all late fees and fixed autopay. Nevertheless, at the same time Citi submitted a false information about missing payments to credit reporting agencies! And the bank never notified me that it would take such an action neither by phone, mail, or email which is another violation of FCDPA!!! A month later the bank insisted and resubmitted the false information again. In XX/XX/2019, faling to make Citi to fix it on its own, I disputed credit report late payment with credit bureaus and on XX/XX/XXXX I received results from XXXX which confirmed again that I was 30 days late making payments for a credit card. It appears that Citi Bank considers penalties under FCDPA insignificant and is ready to bear them in order to harass its clients. 
As a result of multiple FCDPA violations by Citi Bank I had a credit card issued by XXXX XXXX closed and a new account request rejected by 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 2023-03-18
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Since XXXX I have linked my XXXX XXXX to Paypal in order to protect my purchases. My card expired, and they had to send me a replacement. When I went to activate it I was told an individual had flagged my account. I believe when I first signed up I was required to send my Driver 's License 18 years ago. Paypal was required to validate my XXXX account at that time and they did. XXXX has my actual driver 's license on record. I am XXXX XXXX XXXX, and recently retired. It appears Paypal wished to discriminate against the XXXX  and when I went to Validate I was refused. They NOW demand private information that is bogus ; an electric bill and water bill. Neither of these validates an individual as they claim. For several years when my daughter was alive I paid her electric bill and water bill. She lived in XXXX XXXX Fl and XXXX, Florida. I live in XXXX XXXX XXXX, Florida. The only breech I have seen has been Paypal allowing an individual in XXXX to steal over {$300.00} out of my account without putting security measures into place which I learned of and notified them immediately. It was proven my account had been charged fraudulently. At that time I was sent a replacement card and had no problem validating it at the time without the demand of giving them private accounts they are not entitled to. I deliberately allowed the account to reduce to {$15.00} based on not tieing money up with them until the new card was activated. Just some instinct as I had attempted to get an active account on our NonProfit and got so much harassment by Paypal I gave up. They were not worth it. Its still in limbo. No matter what you send to them, they run you in more circles. At this time my account can not be activated. My address is real as I received the card at that address therefore validating it is real. My remaining money is not accessible. I will not send my DL that is on record with XXXX XXXX  they can obtain through them due to a Florida DL law that does not allow us to duplicate DL and for my own security. I also have a stalking problem with my ex son-in-law who is believed to be the person who stole out of my account and I do not want additional information on Paypal records that has already had several breeches of security with information obtained of client bases. What they are demanding of clients in no manner will validate a client and is void of reasoning. I believe I am being discriminated against due to retirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I checked my account and had {$430.00} to use for the week. 
I used my card XX/XX/XXXX, XXXX for everyday purchases most of them under {$20.00} Upon Checking my account XX/XX/XXXX on my payday I had several overdrafts and fee 's. 
I contacted Chase Bank 3 separate times on XX/XX/XXXX without resolution to try and have the overdrafts reversed and I was told I need to monitor my account better, get savings protection, and they couldn't reverse any of the 12 overdraft fee 's? 
So basically they took {$400.00} dollars from me - Most of the overdrafts were {$5.00} and/ or below {$20.00} they charged me {$34.00} for each and every one of them - I want my account to be refunded all the fee 's they charged and I will be taking my banking elsewhere I can not be robbed of money by some useless bank! I will also be talking, posting, yelping, and telling everyone that JP Morgan Chase scams hard working professionals such as myself out of their money with fee 's!! it's not as if in a day or two Chase lost any money due to my account being overdrawn as my payroll check was deposited and the problem was solved. I am very upset with their practices. If my money is not returned to my account I will retain an attorney to file a lawsuit with this banking institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: SC
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-12-05
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
1, the consumer and natural person, was denied credit by Goldman Sachs Bank USA when I applied for the Apple Card. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 ( a ) ( 3 ) and 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by the Goldman Sachs Bank USA due to the response I received. Goldman Sachs Bank USA is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my securities were used and I received no benefit. This is proof of fraudulent activity and securities fraud on behalf of Goldman Sachs Bank USA. If Goldman Sachs Bank USA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Goldman Sachs Bank USA criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ). I am sending this letter because Goldman Sachs Bank USA accepted my credit application but denied me credit. I will also follow up with an invoice for said violations ( { {$10000.00} } ) per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: SC
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 sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: LA
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:
When I reviewed my credit report again, I discovered that some of the information that is still erroneous. The accounts should be verified since I sent letters back on XX/XX/2023. Again I am redisputing in order to correct the accounts that linger on my credit file/report. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Public record information inaccurate

Complaint:
I am writing to request that the public record listed below ( and attached ) be deleted from my TransUnion credit report because it does not meet the XX/XX/XXXX XXXX  requirements ( PII ) in the Enhanced Public Records Standards. For a public record to remain on a credit report it must have the mandatory information of Name, Address, Date of Birth and/or Social Security Number. This tax lien doesnt include either a DOB or a full SSN ( only 4 digits are provided ). I filed a dispute directly with TransUnion but they didnt seem to be aware of the enhanced public record requirements so it remains on my credit report even though it does not belong to me. As a result, I respectfully request that the CFPB inform TransUnion that this public record needs to be removed from my credit report. 
Federal Tax Lien Account # : XXXX Date Filed: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 explanation
Consumer complaint received 2022-08-06
Company: CORELOGIC 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: Account information incorrect

Complaint:
I was just informed that this company exists and I asked for a copy of my credit report. Comes to find out there is TONS of old, outdated, wrong information in CREDCO 's files. 

They have in their files old old OLD information that has been removed from everyone else 's files ( the big 3 ) and others and I was surprised to find that this information is STILL lingering. 

Please remove XXXX XXXX XXXX - acct XXXX- this collection has been removed from every single credit bureau 's reports .... WHY IS IT STILL ON YOURS?? 

XXXX - is someone else 's account- WHY IS IT HERE ON MY REPORT??? Please remove this account There should be NO social security variations in my records... 

Please remove ALL variations of SS # and please only KEEP one ... the RIGHT one. IT is : XXXX Please remove ALL other names except for XXXX XXXX XXXX ALL OTHER NAMES are INCORRECT. Please remove XXXX XXXX, & XXXX XXXX. That is all I can see at this time. If there are others please remove them as well. 

Please remove these addresses as they are not longer valid, nor current : XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, fl XXXX All of the following inquiries have also been deleted by all 3 big credit bureaus .... Please remove these inquiries from my file as they are fraudulent, have a police report filed for them and must be removed. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank YOU .

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 2020-11-03
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I took the annual physical exam and as a part of it I took anXX/XX/XXXX test ( XXXX examination, XXXX  ). 
My insurance was supposed to pay for the whole exam but due an error of the company where I took the XX/XX/XXXX( they sent a wrong code of the exam to the insurance company ) they sent me a bill. 
At the moment I received the bill I called my insurance and they explained me what was happening. At that moment, they asked me to wait over the phone and they called the medical company. I had a 3 party conversation over the phone with my insurance agent and a woman from the medical company. After all deliberations, my insurance agent explained us that I don't have to pay for this bill because it was an error of the medical company and at that moment they were out of time to fix that error. The woman from the medical company accepted the explanation. After that call they stopped sending me those bills, but on XX/XX/XXXX they started again sending those bills. I called the medical company again and they told me that it was an error but few days ago, I received a letter from a Debt Collection Company due this bill. I called again the medical company and they told me that they were to cancel the collection process ( they told me over the phone that they just sent the cancellation process ) but it is not true, I just called the collection company and the process is still active. 
Here are all the info I have regarding this : Debt Collection Company : - First Federal Credit Control, INC - Phone number : XXXX Medial Company : - XXXX XXXX ( XXXX XXXX ) / XXXX XXXX, XXXX - XXXX XXXX, XXXX is the company in charge of the billing of XXXX XXXX, and is the one I have been talking. 
- Phone Number : XXXX ext XXXX - XXXX  ( The manager ) - Last invoice received on XX/XX/XXXX - Service taken on XX/XX/XXXX Insurance : - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove all fraud alerts and extended fraud alerts from my profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NY
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:
Constantly lowering my credit score. When I check under the heading see what change i dont see anything that could account for my score to drop so low in such a short period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
They have this account charged off - they show it in collection and there is no collection as they can not collect on this debt. It is from a criminal matter and sent them the District Attorney letter and the restitution order - which is useless as the criminal is XXXX and won't be able to satisfy the restitution to me and other victims. The problem is two fold ... they need to update the status so that the balance is not picked up as current which has been the case with other creditors, and they refuse to send me a 1099-C so the balance can be brought to XXXX which is of course, as you know is my legal right. They need to show it closed they need to send me a 1099-C so that I can rent an apartment. There are XXXX in charge off 's and most of the creditors even if they don't really want to will have to send me a 1099-C and bring the balance down to XXXX which will help me not end up homeless. They are doing this for spite.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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 explanation
Consumer complaint received 2020-11-03
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There are multiple numbers calling at all times of the day trying to collect on Navient student loans, calling on people whom they'll never get paid. Do they know that the job market is desolate for women with children, as employers don't want to hire women in their homes caring for children, as evidenced by a video interview on XXXX XXXX featuring a women who was discriminated against for children crying in the background. The job market has less jobs than people looking, and the job growth numbers are stagnant as per the XXXX XXXX XXXX XXXX. The many women who've stopped looking for jobs indicate job market deterioration per the XXXX XXXX XXXX. There are next to no daycare services, and schools are closed because of the Covid-19 plague. These companies like Navient know this, but they keep attempting to pursue collection activities knowing they won't collect. There are numerous complaints online on phone number verification sites such as XXXX about a " XXXX '' and others who keeps leaving messages from this company. One such number received on my cellular was XXXX. These collection activities couldn't be pursued at a worse time with unprecedented stress levels, and are inciting violence. These collectors must throttled to prevent more shootings, riots, and beheadings, acts which are occurring all over the world and a byproduct of economic collapse. I'm a student loan holder and graduate of XXXX XXXX XXXX, 2006, which was recently closed due to government fraud. I'd applied for a Borrower Defense due to their inability to provide me with the quality of education I'd paid for, and it seems per recent email communications to my email address, that failed. I'd also received a letter about a class-action lawsuit from the Department of Education, but I'm not updated on its current status. I'm also following XXXX in hopes student loan holders, and especially those victims of XXXX XXXX XXXX, will soon be released from economic responsibility for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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 XXXX HSBC charge my account a monthly maintenance fee even though I maintained the required balance.

Ive had the account for years and this is the first time they charged an unauthorized monthly access fee.

The bank never notified me of any issues they may be experiencing that caused this to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW 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