BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Citibank accelerated savings account in XX/XX/XXXX and deposited a total of {$10000.00} in two electronic transfers from my originating bank. These transfers were {$2000.00} on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX ( see transactions attached ). On XX/XX/XXXX, I received an email from Citi saying that my account would be closed due to " violating the terms of your account ''. I have attached that email. In the email Citi said, " we will send any funds belonging to you to this address, once the account is closed ''. The email also said to call Citi 's fraud department for any questions. 

I have called Citi multiple times asking why the account was closed and when I would get the money sent back to me and if they could send back the money sooner than the 60 days the email said. It has now been 91 days since the email notification that my account will be closed. I have never received any mail regarding the issue despite their fraud department, when I call them, saying that I would get a letter. 

I have received a lot of conflicting information when contacting Citibank. They initially kept saying that a check would be mailed to me. However, they have also been saying that if I want to receive the funds back electronically, that I should contact my originating bank to " file a claim to release the funds that was deposited to my Citibank account ''. Those are the words of a Citibank fraud dept. representative. When I contact my originating bank, they say there is nothing they can do because my money was successfully deposited and it is up to Citibank to now resolve the issue. Whenever I ask Citibank to send the money back to my original bank they say it can not be done. So, I am getting conflicting information from both these banks. 

I also recently contacted Citibank 's executive response unit and they said they would look into the issue and it would take approximately 15 business days to receive a response.

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 2023-02-02
Company: FORD MOTOR CREDIT CO.
State: NJ
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 XXXX XXXX Account number : XXXX Hi, During XXXX and XXXX of XXXX my account went past 30 and 60 days due to an error with us inputting the our new checking account. We sent XXXX a letter advising this was a mistake on our part, as soon as we were aware of the situation we paid the full amount owed of Your last payment of {$3000.00} was received on XX/XX/XXXX. 

During XXXX XXXX both my XXXX  a XXXX  XXXX of education teacher and myself owner of a small business contracting company did not work for over 2 years years. 
We paid ford every month not always on the due date but before 30 days so it didn't impact our credit. I have asked XXXX to remove the 30 and 60 day lates to no avail. 

Any help is appreciated. 

Thanks XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had an account with Paypal since 2016 and my account was permanently limited due to unknown reasons. I contacted paypal to see wha the issue was and they stated that it was due to a risk factor and I am unable to utilize my account. The company would not tell me anything as to what a risk factor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: SC
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:
This is notice that Equifax, XXXX and XXXX are reporting the following charge off accounts on my report. I have notified the Companies that have charged off the accounts that I didn't understand and made an uninformed decision at the time of the agreement as it was not clear and conspicuous. 
You may want to have this information removed or you will be held liable as well. 
I have listed the accounts below : XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Account status incorrect

Complaint:
I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.

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 2022-09-30
Company: I.C. System, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
IC System has reached a debt that is older than XXXX XXXX on my credit report. I have not received any communication in regards to the debt and original creditor was XXXX. This account had long been closed and I have disputed this with the credit bureau.

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 2022-09-30
Company: LEXISNEXIS
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:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX  XX/XX/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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX i went to the bank and deposited a check into my checking account. On XXXX the bank locked my account. I can understand putting a hold on the amount of the check but i had funds in there before the check. i had my car insurance coming out and i tried to use my debit card and was declined. I called the after hours line and twice they told me i could not have my money until XXXX XXXX XXXX so on XXXX i went to the bank and took him 15 minutes to finally tell me i could have the amount prior to deposit. but i declined that because i figure i might close the account down, but it's upsetting that the money is in my account but refused to help me until i went in person and told them i was going to contact you about the problem and i got laughed at from the manager. i figure it's my money why can't i have it, also on XXXX XXXX my payroll check was deposited and i am not allowed to have it either until XXXX. the bank also took and opted me out of receiving my pay 1 day early because of them locking down my account and wont fix it, so it's time to just close the account. Sad part is i never got a apologize for the inconvenience or getting back my early pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: PA
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I inquired at XXXX store about purchasing phone service, the representative obtained my information. I advised I was still shopping n did not purchase a phone at XXXX or any phone service. The representative should have cancel account information obtained. I then decided to go with XXXX XXXX  XXXX. As of today the phone for granddaughter is with XXXX XXXXXXXX XXXX and my cell phone is with XXXX XXXX  XXXX XXXX I have explained several times to XXXX and to collectors to no avail. Even though there is no Phone number attached to account n no activity on account they continue to bill me.

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 2022-03-29
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a right to privacy.

15 U.S.C 1681 Section604 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 2023-01-03
Company: EQUIFAX, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reached to capital one auto finance back in XX/XX/2021 and made a one time settlement payment in the amount of {$1300.00} to be relieved from this debt in addition to an agreed " deletion '' across all credit bureaus. Capital One Auto Finance did not fulfill agreement after over XXXX since settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Medical All the accounts above I was a joint card holder, I need all 3 credit Bureaus to fix the error we are now on month 3 with no resolution. It caused me to loose my score that I was building up and when I addressed the score that is reporting incorrect due to their own error, they told me to work with a credit consultant. So now I have to hire someone to fix their mistakes? Then all my accounts that were closed were suppose to be removed under agreements. They do not want to do a proper research and correct the issue nor my score. This has caused me to be rejected for credit and loans that I need to support my household.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: SC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Paradigm Assets, LLC
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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with TD bank and never received the debit card in the mail... Having waited 6-8 weeks with XXXX  once recovering I called them to ask them to resend the debit card so I could access the {$10000.00} that was direct deposited into that account over the 6-8 weeks.

They couldn't generate any authentication questions to verify me, and then refused to find a resolution that didn't require me to drive an hour to a branch to rectify the issue in person.

I opened the account online, but now can no longer access any money or support for that account unless I go to a branch, which are not local. 

They refused to offer other solutions or remediate the problem, refused to generate verification questions. 

I opened the account with a promo bonus and they haven't verified that the bonus is active either. 

Very poor customer service, no ability to access my account, no trackability of my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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 contacted portfolio recovery to request information in regards to two items that have been reported on my credit report. the orginal creditor on one was XXXX XXXX XXXX ; in which they said they do not have a record of and the other one is XXXX XXXX. I asked them to validate the debt in which they show me when the account was first opened, how much the account is, a break down of fees, and the contract. They were not able to furnish this information and have yet to remove this item from my credit report.

Company response to consumer: Closed with explanation