BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Dear CFPB Officers : Thank you for your attention to my complaint. 

I experienced a theft ( by unlaw taking ) on the evening ( around XXXX XXXX  ) of XX/XX/2023. Two men approached me and asked me to donate {$1.00} via XXXX. After I pulled up the XXXX transfer page in the Citibank mobile app, they took my phone and fled away. They made an unauthorized transfer ( around XXXX XXXX  ) in the amount of {$2500.00} via XXXX in the Citibank mobile app. I reported this to the police immediately. See attached supporting documents for proofs and details. 

I immediately contacted Citibank to report this unauthorized transfer within one hour ( XXXX XXXX XXXX XXXX XXXX of XX/XX/2023 ) after I learned of the unauthorized transfer. Based on Chapter X of Title 12 of the United States Code of Federal Regulations ( CFR ), Part 1005, 1005.6 : " If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution '', my money more than {$50.00} should be refunded. The police also told me so.

When I contacted Citibank ( at that time, the transaction was still pending ), they told me they would start an investigation for this. After around a week, they told me they found the transaction " normal '' and denied my request. I explained the situation and provided information to them again, both by call and in person at the branches. As instructed, I sent my police report by fax ( see proofs in the attached documents ) to them as supporting documents. I also sent them my stolen phone information and many fraud alerts I received after the theft happened as additional supporting documents. I opened two more inquiries for this. However, they just ignored everything I sent them, claimed they completed the ( additional ) " investigation '' and maintained their position ( see their letters in the attached documents ). They neither asked me for more information nor commented on my case.

To resolve this case, I made a lot of effort to collect the documents they needed, called them tons of times, and went to the branches many times for help. It has cost me very much time in the past two months to handle this, and also various fees involved. I tried to fix this problem with Citibank, but they just made me more frustrated. Thus, I decided to turn to CFPB and hope you can help me with obtaining a fair resolution to this.

Thank you for your time and help. I really appreciate it.

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 2021-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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:
On XX/XX/2021, I reached out to Portfolio Recovery regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to act. I requested validation from Portfolio Recovery on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received state something regard an electronic record, which I did not ask for nor did I receive to verify the debt, I asked for validation! I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: PA
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:
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

I would like a wet signature or some other type of verification information to state that these are 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 2018-06-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting a charge off on my credit report from an old credit card debt. I requested this company send me proof of the debt and they have yet to respond, I requested proof through the credit bureaus and they updated my profile saying it was my debt without showing me proof that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I was depositing cash funds into a Bank of America atm to my business savings. While doing so, the atm malfunctioned and shot my debit card back out. I had deposited {$3000.00} into the atm during this transaction when this happened. After this happened I checked my account and saw that it was showing {$3.00}, so I immediately contacted the customer service # thats on the atm. I claim was then filed for the missing {$2900.00} and after checking in a few times on that claim I was told that it would be expedited. On XX/XX/XXXX I called in again to get an update on the claim and was told that the representative did not expedite the claim as he said he would and that it would be done at that moment. There was also note added showing that the rep was filing a complaint on my behalf due to the misinformation that was given to me. On XX/XX/XXXX I was notified that the claim would be credited to my account on XX/XX/XXXX. On today XX/XX/XXXX my access to my online banking was denied and I was informed that my account was set to be closed with no further explanation and told that I would not be receiving my credit for my missing funds due to the atm error. I was not given any detailed information or proof on 1. My account being closed and 2. Me not receiving my {$2900.00} that is MISSING. I feel that Bank of America never intended on correcting the deposit error and I feel that closing my account is a tactic for Bank of America to not have to credit or give me back my funds that were taken by their malfunctioning atm and I want this resolved immediately and I will not stop until this is resolved rightfully.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion LLC had deleted this account in XXXX, ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the debt was then sold and they put it back on my credit report under a different name ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the information is inaccurate, I've made several attempts to TransUnion requesting the names and business addresses of each individual with whom they verified the information above, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information, my request have been ignored. They also ignored my request to remove this unauthorized inquiry as well.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
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:
Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 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 2021-09-24
Company: Self Financial Inc.
State: IL
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 AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Self Financial , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my 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 explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was victim of Credit Karma offering me pre approval for credit cards and then not getting approved which caused hard pulls on my credit and damaged my credit score even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX ( per PayPal ) someone using my identity created an account online as a seller with PayPal. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears PayPal paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with XXXX. I had disputed this to PayPal and they denied my dispute, without explanation. 
In XXXX, I received the first notice from XXXX that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both XXXX and PayPal to explain this was fraud. We were advised to proved XXXX with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX I received the response from XXXX. Letter was dated XX/XX/XXXX and stated that PayPal has rejected my dispute again. They did not disclose any reason why it was denied this second time either. 
Conversations with PayPal have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account. 
One day after receiving the response from XXXX on XX/XX/XXXX ; a representative from XXXX was already calling me and asking me when I am going to do to settle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: First Technology Federal Credit Union
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
First Tech federal credit union Manager II : XXXX XXXX email : XXXX T : XXXX F : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Idaho XXXX XXXX XXXX On Monday XX/XX/XXXX I visited the local office and spoke with XXXX XXXX and XXXX XXXX about the fact that I had applied for PPP loans and ANY other program I am eligible for during the first run in XXXX of XXXX. 
At that time I never received any follow-up about eligibility that month or the month of XXXX. This, even with 3 subsequent visits and repeat questions on the progress of my request to the tellers during that time. Upon pressing the issue in XXXX I was told the program had 'ended ' and they " ran out of funds ''. This, with no notice and no correction available. I left with a standing and clear request to correct this when the next plan becomes available. 
I visited again on XX/XX/XXXX to get an update. Speaking with XXXX XXXX, I explained that I had not received a follow-up call yet and I wanted to get started before this new PPP program starts. Due to the missed opportunities of last year I also requested a follow-up call from XXXX if corporate was unable to respond. 
XXXX assured me that I would get a follow-up call and that she would call If I did not. 
I did not get a call from anyone. 
On Monday the XXXX I Called corporate directly, spoke briefly with a man named XXXX, where I was subsequently " Phone Flushed '' ( hung up on ) during a transfer to " someone in that department ''. 
Upon visiting XXXX XXXX again at the local branch that same day and insisting that I need a callback, I did get a call from a lady at corporate. In this call she used 2 excuses why I am not eligible for assistance : 1. I did not have a business account before XXXX of XXXX. 
REPLY : I have been a member of this bank since XXXX and have had an active business account since XXXX. The lady from corporate acknowledged this. 
I informed her that I have had membership before the bank transitioned from XXXX XXXX XXXX to XXXX XXXX and then to First Tech. Most of my accounts are grand fathered from past formats. I have been a member longer than most employees have been working at this branch. 
2. My account was not the correct type of business account.

REPLY : refer to above.

Many times I have had pointed out that First Tech touts the number of businesses they helped with PPP loans. 
XXXX XXXX IS eligible. My account has been active. I have good decades long standing loan activity with this bank. I have direct deposit accounts to 2 contract employees I brought to this bank and had start accounts of there own.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Colony Brands, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I on XX/XX/2019 I obtained a loan from check smart financial/Cash Central in the amount of XXXX which was credited to my checking account. I had requested that the loan repayment be extended to XX/XX/XXXX. I then contacted them on XXXX by phone and requested that they revoke all ACH and debit transactions to my checking account and that I would make other arrangements to pay back the loan. The representative informed me that she would place a temporary hold for ten days, but that I needed to submit a request in writing within those ten days to make the revocation permanent. She provided me with an email address to submit the request. On XX/XX/2019, I submitted a written request to stop all ACH and debit withdrawals from my checking account. However, on XX/XX/2019 the company debited my checking account for XXXX. I attempted to resolve the issue by contacting them, however, they refused to credit the money back to my account. I then contacted my bank, XXXX and they issued me a temporary credit for XXXX. However, on XX/XX/2019, XXXX back reversed the claim and charged me XXXX. I contacted the bank and they told me that payday lender presented a loan document stating that I owed the money. However, Im not disputing the loan, I disputing their right and ability to take funds from my account when I specifically requested in writing that they stop all ACH abs debits from my checking account. According to consumer finance : You have the right to stop a payday lender from taking automatic electronic payments from your account, even if you previously allowed them. You may have signed a payment authorization, which is sometimes called an ACH Authorization. This gives the payday lender the ability to debit your account when your payment is due. According to Consumer Finance I am well within my rights to request that they revoke payments and I took proper procedures to make the  request. I have a copy of the written request and a picture of my call log making the initial verbal request as proof. I have exhausted all other options and efforts ; and submitting a complaint is the only option I have at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: TN
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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