BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Saturday, XX/XX/XXXX, I received a letter in the mail from Citi Bank credit card services with my account ending in XXXX. The letter indicated that as of XX/XX/XXXX your AutoPay/Recurring Plan for my account was terminated for my CITI Bank Diamond Preferred Credit Card XXXX 

On Sunday, XX/XX/XXXX at approximately XXXX, I called the Citi Cards telephone number at : XXXX and eventually spoke to customer services representative : XXXX XXXX I explained to XXXX the letter I received in the mail and asked her to check my account and if there was no more auto pay available how will I pay my credit card bill? 

XXXX check my account and told me that I was passed due one month because there has been no auto pay. I asked XXXX why wasn't I informed in the month of XXXX instead of XX/XX/XXXX that there wasn't auto pay available. I would have paid my Citi Bank credit card bill on time. XXXX said, " I don't know what's going on ''. There was a problem with the day of the month ''. She then hung the telephone up on me. 

Citi Bank failed to contact me in a timely manner to let me know they were going to stop taking there automatic payment from my checking account. So they have now made me late and one month behind on making my credit card payment for the month of XX/XX/XXXX. So now because of their mistake I will now have to pay penalty fees and my credit report will reflect that I was one month late because of there mistake. 

I am requesting the Consumer Financial Protection Bureau to Investigate this matter and find CITI BANK responsible for causing me undue stress having to incur late payments on my credit card statement and screwing up my credit for the month of XXXX and XX/XX/XXXX. This incident was extremely unprofessional and who ever stopped my automatic payments in the moth of XX/XX/XXXX was extremely inept.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : 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 2022-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-07-20
Company: EQUIFAX, INC.
State: MI
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:
XXXX, EQUIFAX, And XXXX has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

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 U.S. POSTAL SVC FED & # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2017-04-17
Company: Debt Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been working extremely hard to increase my credit score. I received notification that I had XXXX new accounts placed into collections that I was never notified of before hand. I called and spoke with XXXX. I received a copy of the bills that Debt Recovery Solutions had, but not before taking a hit to my credit. I lived with my family in the same house for five years. Never did I receive anything regarding these bills. Then we move to NC for my health and all of a sudden things are hitting my credit from this company without any prior notification. This company is not operating properly under the law.

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 2023-08-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, or XXXX credit report, and I noticed some closed collection accounts posted on my credit report : XXXXXXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

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 2021-04-07
Company: ALLY FINANCIAL INC.
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/2021 I received a call from Ally Bank fraud protection department that if I just made multiple withdrawals from my account. I said no. They asked if I had my debit card at hand, I said yes. The were other withdrawal attempts after but were refused due to this act. I disputed the amounts told and was refunded days later. There was an investigation made by the bank and their result was that the transactions were my liability since the pin number was entered only once and to them that claims that I withdrew the funds. I called and disputed again and they insist that the withdrawals were legit. I keep calling to dispute and still same result. These transactions in question were withdrawn at a location that was XXXX miles away. I even sent a picture of myself for comparison to the ATM photograph and still same result.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: ND
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 XXXX XXXX Account Number : XXXX XXXX Account Number : 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 furnish a account without my written instructions

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 2022-07-20
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX US DEPT . OF EDUCATIONXXXX n accordance with the Fair Credit Reporting act Convergent Account ''US DEPT. OF EDUCATION/XXXX  '', XXXX XXXX '' and 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Mobiloans, LLC
State: NC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Follow up to Case number : XXXX I am writing because a response was never received from this company. It is also reporting negative on my XXXX credit report. I request this be removed as their was no response from the company. 
The original complaint was sent XX/XX/2016

Company response to consumer: Untimely response
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about

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 2017-04-11
Company: Regional Processing Services
State: GA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a call today from a company stating that their name is " Regional Processing '' ( their phone number is XXXX ) they are threaten to garish my wages for an account from XX/XX/2012. She stated that she would be submitting paperwork to my job to have my checked garnished or I could make a payment over the phone with her. 

I asked was she a debt collector ( she denied ). I asked for the company name that my supposedly account is with ( she could n't give me that information, but gave a random company name - that I have not done business with. I asked for a validation of debt - a contract with my signature ( she stated that she did n't have to give me information and that I should know who my bill is with from XX/XX/2012. 

I informed her that I could not pay a " bill '' that I do not have any knowledge or information about. She threaten again to have my wages garnished if I did n't immediately make a payment. 

The company has called my mother ( yesterday XX/XX/XXXX and today XX/XX/XXXX ) using scare tactics and demanding a payment from her. They are obviously reading off a credit report or some sort because the information that she is stated that they will send people to my home and job ( are old driver license 's number, old/present home addresses, and old employment ) I am being threatened with no resolve. 

If the bill is mine, I have no problem validating it and paying it if it is within reason and the law. 

I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I ordered two XXXX  gift cards from XXXX in XXXX and totally forgot about them. Recently I found them and planned to use them. I was able to activate one of the gift cards, but not the other. The problem is a dilemma : the XXXX gift card has expired, so it couldn't be activated ; since the card is not activated yet, it has no funds applied to it and I couldn't get a replacement card. 

I contacted both the merchant XXXX  and the card distributor Blackhawk Network/GiftCardMall.com , but both parties just passed the buck to each other : XXXX said since the card is managed by GiftCardMall, I should ask them for help ; GiftCarMall said since the card is not activated, I should contact Staples. 

Below are the actions I have taken so far : On XX/XX/XXXX, I called Blackhawk Network/GiftCardMall.com to activate the card and couldn't activate it. 

On XX/XX/XXXX, I called XXXX and an associate asked me to call the number on the back of the card and ask for a replacement card. 

On XX/XX/XXXX, I called the number on the back of the card and was told that the card is not in their system since it has not been activated. They asked me to contact XXXX. 

On XX/XX/XXXX, I chatted with XXXX, and was asked to contact Blackhawk Network/GiftCardMall.com at XXXX. 

On XX/XX/XXXX, I called Blackhawk Network/GiftCardMall.com at XXXX, and the CSR first escalated the case to his manager and then his manage transferred me to another department. This department then transferred me back to XXXX. Finally, XXXX transferred me to Blackhawk Network/GiftCardMall.com again . 

To summarize, I paid this XXXX gift card for {$200.00} and the terms and conditions say that the funds never expire, but now I get nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied to JP Morgan Chase for a loan modification in early XXXX, XXXX. I took my mortgage out in XXXX, and have never missed a payment. In XXXX I had to have two XXXX XXXX That coupled with the fact that my income has substantially dropped ; I am XXXX years old. 

Chase has denied me a loan modification, I appealed their decision but they have not changed it. 

Their reason for the denial is that I have too much assets which have dropped about 10 % since my applying for the modification. Their reasoning for the denial is very discriminatory to senior citizens as they are telling me to use my retirement savings to pay my mortgage and when my savings go down to {$25000.00}, they will then consider a loan modification. This is unacceptable. My income has dropped substantially. Chase was bailed out during the financial crisis with my tax money. They owe me this. Besides this is a violation of the law. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, N. Y. XXXX Tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone opened a utility bill in my name. I did not authorize this account to be opened.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX. I consulted with an advocacy group who helped me submit this information. How is it that one of the accounts came back verified if this XXXX XXXX  information was supposed to be confidential?

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 2017-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've disputed the account/item ( XXXX listed in collections ) with the credit bureau EQUIFAX ; they claimed to have verified the account/item but have not provided the specific details of their method of verification. I also filed a CFPB complaint ( CASE- XXXX ) on the collection agency XX/XX/2017. XXXX replied to complaint and admitted that they did not have an account for me with my information provided. As of today 's date XX/XX/2017 EQUIFAX is still erroneously reporting this account/item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Management is attempting to collect a debt I do n't owe to them. I never established a contract with this company at all, furthermore they are in direct violation of the FCRA Law, by placing negative tradeline to all XXXX of credit reports which is a complete slander to my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief