BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: FULTON FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I held a joint checking account with my father, after his passing in XX/XX/XXXX, I went to Fulton Bank, XXXX XXXX, XXXX XXXX, XXXX, DE XX/XX/XXXX and presented a short certificate, death certificate and other required identification to have him removed from the account - transaction removing deceased signer. On XX/XX/XXXX, I was told the account was transferred to my name and I was the only person to have access to it. Seven months later, I came to find out that someone else had been going into the account and checking balances and watching activity. When I found out, I contacted the banks customer service line. After being transferred to online access, I was informed that while I was the only person with access to the account, the online access to the account was not shut down, hence leaving it open to anyone who had access prior to my father 's passing. My personal non public information was violated.

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 2018-04-22
Company: CITIBANK, N.A.
State: NV
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:
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.

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 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As I stated in my last complaint XX/XX/XXXX. Paying my capital one quicksilver bill is a nightmare. My card gets put on hold or my money gets put on hold for weeks EVEN though I am paying the bill early and from the capital one 360 checking app. Today XX/XX/XXXX, I spoke to a supervisor of capital one who informed me that I would not have use of my balance for another 26 days. Even though I paid my bills before due dates. She informed me that this was some for my safety. XXXX! Capital ones system is trash. Why is my account being targeted??? I have reached out to a lawyer to figure out what can be done to stop this HARASSMENT, because that is what it feels like!!!!! Every two or three months my account is put on hold for no reason! Every two to three months I have to waste MY TIME to call this XXXX  BANK to have them release MY MONEY!!! I am sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.

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 2022-01-24
Company: Diversified Recovery Bureau LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was pressured into making an arrangement on an account, and was not given the option to dispute the debt. Creditor used an unknown number that didn't leave voicemails, and couldn't look up the number for validation. And I never received a letter in mail about debt or ability to dispute the debt because I have never felt the debt was fair. Was told creditor wanted me to make a payment within 7-14 days after contact, and would not accept a further out date that was good for me, so I had to make up a date that I know wouldn't work just to make sure no one comes after me. Colllector informed me, another company that owns the debt will not stop until they get the debt, and the statue of limitations is almost up, giving me a fear that that would sue me immeditely, so i called back a day later and made a arrangement because i just started a job thursday after being laid off for 2 years because of the pandemic. I called back and cancelled the agreement 2 hours later, because I felt it was a scam and a trick, and I was right. 

Called XX/XX/24 was trying to collect {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not finish an account without writing Instructions from the consumer.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I demand the above-mentioned accounts be deleted from my consumer 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 2022-01-24
Company: Consumer Adjustment Company Incorporated
State: AZ
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:
This debt collection account was opened on XX/XX/1921. 
In the interim I never received a notification or billing statement requesting payment on the account. 

I then opened my credit bureau information around XX/XX/XXXX or XXXX and was stunned to see that this collection account I didn't recognize. 
I then discovered that the account had just been reported XX/XX/1921. 

I sent dispute letters to all three bureaus of which I haven't received any notification online that the disputes are even being worked on. 
I know they get swamped working on other accounts. 

I then sent online disputes about the collection account to XXXX and XXXX and a week later the results were " Account Verified '' as mine. 

I'm waiting for any results by mail, email, anyway. 

I have been rebuilding my credit history using credit cards all payments on time and this collection account has been an awful stain on it Please help ... Than you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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:
I got a copy of my credit reports all 3 bureaus and noticed inquires accounts on my file that are not mines not authorized not verified The accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: AMERICAN EXPRESS COMPANY
State: NY
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 purchased XXXX  from XXXX ON XXXX XXXX in the amount of {$840.00} for a Concert at XXXX. I used my American Express Credit Card. My Amex has a {$25000.00} credit limit. I filed a dispute due to not receiving the etickets. American Express stated that there was going to be an investigation and it may take up too 8 weeks. Then 4 weeks later they put back the charges and stated the company has a no refund policy. I explained that I never received the tickets, and how was a liable for merchandise I didn't received. I also stated that there should be a way that tickets purchased can be proven that it was redeemed at the XXXX I disputed this charged 3 times and Amex continue to tell me that the company has a no refund policy. I explained multiple times I didn't receive the merchandise. I paid the amount because I'm in the process of purchasing a home and wanted a XXXX balance on my card. The concert was XXXX XXXX, 2021. I didn't attend due to not having the eTickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in regard to Citizens One Home Loans. I have been trying to get a current copy of my mortgage statement and can not. They have blocked customers who have their home loan in forbearance from accessing their account online. I have called there for several days and spent up to 5 hours waiting on the phone not to speak with anyone. One representative will transfer me to customer service about trying to get a copy of my monthly statement and find out why I can't access my account. I held on for 2 hours and no one answered the phone.

No one will return your call on the second note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
The following inquiries on my credit file are a result of fraud. Please remove these hard inquiries. I have also filed a complaint with the FTC which only allowed me to add some and not all inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Yamaha Motor Finance Corporation USA
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I received a letter in the mail on XX/XX/2022 from Yamaha Financial Services stating their have been changes made with the credit card consumer agreement between myself and XXXX. 
I do not have a Yamaha credit card nor have I made a purchase with Yamaha. 
I called the number on the letter ( XXXX ) and they were asking me my social security number and phone numbers. 
I did not provide the additional information requested, but they do have my name and full address.

They said they would 'handle it '.

My concern is someone may be using a credit card using my name which I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I did not give permission for these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have a credit history of 21 years. This month, I checked my credit score through XXXX and saw my score had dropped XXXX points, because my length of credit history was 5 years. 

I called XXXX, they told me they use Transunion scores. I called XXXX  last week to explain, and was told it was being escalated and they would call me back. 

They did not call back, and there was no sign of it having been reported at all. I called Transunion today, to be told that - while XXXX says they use Transunion, there's no guarantee they aren't using outside third-party metrics bla bla bla - and, in short, there's nothing they can do, either. 

My XXXX and XXXX show the correct length of history. Why has XXXX/Transunion lost 16 years of credit, and why won't they fix it? I'm furious.

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 2022-12-11
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF XXXX5 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone numbers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS IS AN ADDENDUM/CORRECTION TO MY COMPLAINT # XXXX WHICH INDICATED THE WRONG SAVING ACCOUNT #. THE CORRECTED ACCOUNT NUMBER IS REFERENCED IN STEP # 4. 
IN ADDITION, XXXX POLICE REPORT/COMPLAINT # : XXXX was filed XX/XX/21. 
Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably on XX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person ( XXXX ) in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years of banking with Citibank. They did not transfer money in increments, but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.

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 2021-02-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect on 5 alleged debts that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sadly, there was a lawsuit against California XXXX XXXX and at the time, my loans were at an all time high of interest rates of 19 %. I opted out of lawsuit due to possibility of losing suit and having to pay lawyers. I have over most of the almost 20 years paid my loan but currents rates at XXXX if insane and there is no wiggle room to pay down my debt. I called to see if my private loan is available for cancellation, but told not at this time. I am currently in forbearance with no end in site. I even tried to refinance and current rates at 9 % and higher. I am at a loss as what I can do.

Company response to consumer: Closed with explanation