BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: CITIBANK, N.A.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB, Citibank had restricted my Checking account XXXX without any legal reason to do so. 

In XX/XX/2022 I initiated a transfer of funds from the Ctibank account and that transaction was blocked by Citibank. A note I received from another bank to which I intended to transfer funds from my Citibank checking account read as follows : Please be advised that for the external Citi Bank checking account ending in XXXX, I did see the initial suspension was triggered by the failed {$45000.00} ACH transfer on XXXX. When viewing the transfer request on your Bank profile, I do show the rejection reason listed as Account Frozen / Entry Returned Per OFAC ( Office of Foreign Assets Control ) Instruction. 

As far as I know there is no legal action by any party that would put my account into XXXX status and I am not subject to any OFAC restrictions. I believe that Citibank restricted my account without any legitimate reason. 

As a result of Citibanks action I lost {$250.00} due to the fact that Citigroup blocked my transaction mentioned above and I am continuing to loose money every month in which I do not have access to the funds in my account. 

I would appreciate that CFPB investigates the practice of Citibank blocking customers accounts without proper legal process or a court decision.

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 2022-12-05
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage with XXXX XXXX  on XX/XX/2022. I paid {$2100.00} into my escrow account at closing. I made my first mortgage payment to XXXX XXXX  on XX/XX/2022 which included my {$470.00} escrow payment. XXXX XXXX  subsequently sold my Mortgage to BSI Financial. XXXX has told me they sent my {$2600.00} escrow balance to BSI Financial effective XX/XX/2022. BSI Financial has told me they only received {$2100.00} for my escrow account and refused to look into my missing {$470.00}. They told me to contact XXXX and provided no assistance. XXXX said they would investigate the issue, but I believe it should be on the loan servicer to make sure the loan is being serviced properly and to investigate issues I bring up to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

on XX/XX/23 i requested I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX XXXX XXXX Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately on XX/XX/23 i requested Chargeoff Balance Error This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


this credit failed to do a investigation, failed to update the comment section on all three bureaus, the bureaus failed to remove this account from my report due to no reponse from the creditor, my comment section on my credit report is the exact same since i started my disputes. The creditor has not uodated me with what i requested and failed to do a proper investigation. this creditor has a balance with a charge off, late payments on a charge off, different dates last active, please remove from all three bureaus immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: NV
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 filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: NC
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 letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NC
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 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 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 2022-06-08
Company: EQUIFAX, INC.
State: NY
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 # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: NV
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 filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
ON XX/XX/XXXX I WAS CHECKING MY XXXX CREDIT REPORT AND FOUND MULTIPLE NOON CORRECT UNAUTHORIZED INFORMATION ON MY CREDIT REPORT ADDRESSES PHONE NUMBERS ACCOUNTS AND EVEN AUTO LEASES I TRIED TO HANDLE THIS WITH CREDIT BURUES AND CREDITORS BUT THEY SHOW INFORMATION AS VERIFIED EVEN THO I SENT THEM A PROOF WITH MY COORRECT ADDRESS EMAIL ADDRESS AND PHOONE NUMBER THERE WERE ALSO COLLECTIONS FROM CELL PHONE COMPANIES THAT SOMEONE USED MY INFORMATION AND OBTAINED CELL PHONES AND LINES UNDER MY NAME I ALSO MENTIONED ON FTC REPORT ALL ADDRESSES CELL PHONES THAT ARE NOT MINE

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are unauthorized accounts in my credit profile. I am no human there is no 3rd party involved. I have reported to CFPB, XXXX, and Texas Attorney General about his manner. I need it removed as soon as possible. I have attached provided documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credti Systems International , INC has reported to all 3 credit burrows that I owe {$1200.00} from XXXX XXXXXXXX. I do not owe this amount, as XXXX XXXXXXXX did not process this medical claim correctly and the insurance denied payment, and per the EOB, states that I owe XXXX dollars on this amount. I have attempted to get this corrected with this collection agency and XXXX XXXXXXXX but no success. Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've been accepting payments from paypal for my Short Term Rentals. They are currently holding money on services that were rendered through the XXXX platform. There is over {$10000.00} being held that has caused my business to be financially impacted as the money was to cover rent on my short term rental properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX Inquiry XXXX  XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account no. XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX X, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

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 2022-09-25
Company: EQUIFAX, INC.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
I have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY XXXX XXXX-DISCHARGE Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at Experian, XXXX, and XXXX neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: IL
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 have new updated exhibits and information on Equifax latest response! 

I Demanded Equifax to explain IN DETAIL the PROCEDURES and METHODS USED to verified these alleged inquires on my consumer report! And Equifax IGNORED & DID NOT EXPLAIN what PROCEDURES and METHODS WERE USED! Equifax is STILL violating my consumer rights pursuant to 15 usc 1681i ( a ) ( 6 ) & 15 usc 1681 ( a ) ( 6 ) ( B ) ( iii )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy Federal Credit Union without my knowledge or consent, withdrew funds from my savings account for a defaulted account that is over 5 years old which, in the state of Florida where I reside is past the statue of limitations. I did not agree to this or, had any knowledge of the transaction ( s ) being performed. When I phoned customer service, I was told that there was nothing they could do about it and when I asked for them to send me a copy of the original agreement that allegedly gives them authorization and/or permission to do this, I was told that " they don't do that ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Credit Karma, LLC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit karma said I had excellent chances of getting pre-approved for a credit card and more then once this happened a hard inquiry was made to my credit report because of it and I didnt even get approved for the card and I was supposed to be already pre approved my credit score suffered drastically over this false information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: BANKMOBILE TECHNOLOGIES, INC
State: NV
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello my name is XXXX XXXX XXXX I am submitting this claim today because my bank has put my account in the negative of the amount {$3800.00}, because I unauthorized deposits and use the funds from a account belonging to a XXXX XXXX and XXXX XXXX. I was told initially that bankmobile would reverse and refund those deposits and funds, and return it to their XXXX XXXX  respectfully However, upon having further contact with the account holders/merchants, I learned that the bank never sent them anything and so my account is in the negative for no reason ; and the bank refuses to disclose any information to me, XXXX, or XXXX XXXX regarding these funds, or where they went. So, I asked that you guys please provide a solution to this problem. I uploaded all the documentation surrounding these claims and accounts, along with the approval of the banks statement that they would return and reverse the funds to XXXX XXXX and XXXX XXXX. you can also see by the statement that my account is in the negative as well. Due to me receiving provisional credit, my account is not negative {$3800.00}, but {$2600.00}... please help again with these disputes matters

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 2022-09-25
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently inquired about a medical collection that popped up on my credit report. I send a certified letter to SCA and the response received was a itemized bill listing personal information, procedure coding, facility information, and description of services. I requested a copy of said contract with my signature and they have failed to comply. Unfortunately, the said collection company and original creditor have violated my privacy with the responding received from the credit validation request. I am asking for this item to be removed immediately.

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