BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: Valentine and Kebartas, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
debt collection agency calls multiple times a day using different numbers, has called at XXXX and XXXX multiple times after ive already told them the time. they have have been completelt obnoxious and no regard to consumer contact laws. it is against the law to call outside of XXXX and XXXX and they know this. They also are aware of the times they call because they have my current address on file and know i live one the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2014, an account was opened with XXXX in Ohio. 
After leaving ohio I had closed the account with XXXX and returned there equipment. 
I then started receiving calls from a debt collection agency. Which I then called XXXX who confirmed I returned there equipment and was told they would tell the debt collector to stop. 

To date they have not called back but now I see it affecting my credit score.

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 2022-11-10
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX

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 2016-10-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
Please contact me Brooks Brothers fraudulently let someone get a credit card in my name and allowed the limit to get overdrawn and to become derogatory/delinquent. Please let me know what can be done as I have made a telephone complaint to you all ( C.F.P.B. ) and have called Brooks Brothers and Citibank, who is the creditor for Brooks Brothers ( both ) to rectify this issue. It is affecting my lending opportunities, credit, and my current interest rates. Please help me as soon as possible. Below is my credit history ( according XXXX who switched to XXXX ) since XXXX of this year. 

Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Inquiry XXXX/XXXX/16 XXXX A potential creditor or employer reported that they pulled a copy of your credit file beca ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Account XXXX/XXXX/16 XXXX XXXX A lender reported that a new account opened in your name New Inquiry XXXX/XXXX/16 CITICARDS-BROOKS BROTHER A potential creditor or employer reported that they pulled a copy of your credit file beca ...

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 2015-08-27
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted Americollect on XX/XX/2015 via certified mail requesting the information on the alleged debt. Americollect responded back on XX/XX/2015 with the information has requested. 

We have continually been making payments on this medical debt for the past year, as the amount of the original debt was too much for us to pay all at one time. Americollect has reported this medical debt on both my wife 's and my credit report and I have asked them to remove it, as payments are continually being made, and they refused. In addition, they have multiple negative reports on each of our credit reports for the same single debt. I 've asked them to consolidate this to one report on only one of our credit reports for the corrected amount and they 've refused to do that also. We are making payments on this medical debt and anticipate having it paid off prior to the end of this year, but Americollect needs to report only one amount on one individuals credit report, not multiple amounts across each of our credit reports. 

We just want this multitude of unnecessary information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My citi card raised my interest rate on my previous purchases without notification. When I called they first told me the prime rate increased and thats why my interest was different. I ask for a supervisor and was told no supervisor would speak to me because I wasnt the primary cardholder then I pointed out I was authorized to speak on this account otherwise they wouldnt be speaking to me. The supervisor got on the line told me I didnt know how to read the bill then became frustrated and hung up. They can not raise the interest rates on past purchases without notifying me in advance. I was not notified.

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 2018-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Capital One numerous times dating back to XX/XX/XXXX most recent date of contact being XX/XX/XXXX. The representative that was assisting me stated that the account was previously sold to XXXX XXXX XXXX XXXX and then rebought by capital one once it was deemed fraud by the collection agency and will remain on my report until I provide fraud documentation. I mailed fraud documentation as requested and the company has still no deleted account from bureaus and is still reporting monthly. 
The account is a result of identity theft and I have no knowledge nor benefit from this account. I have requested that the account be deleted from all three credit reporting bureaus. The account balance is {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a Citi Prestige card with Citibank. Upon calling for retention I was told about an offer on my card if I spent $ XXXX a month for 3 months, Citi would refund back to me {$200.00} for that spend. 

For the next 3 spend cycles I spent {$4000.00} a month on my Citi card often using the Citi card when it would have been better to use other credit cards if not for this offer. 

At the end of 3 months when I asked about my reward Citi basically told me they had defined 3 arbitrary periods a month and my spend doesnt fit the $ XXXX a month as defined by them arbitraririly. I would like to clarify, I was never told about these arbitrary periods in my call to Citi and its impossible to predict that Citi would mess up something so straight forward. 

I escalated the issue via Citi but today I got a generic letter which tells me I have not met the requirements completely ignoring the nuances of the case.

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 2022-11-10
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my Consumer Report and under 15 USC 1681 a3. You guys assumed this role without permission, not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 2022-11-10
Company: EQUIFAX, INC.
State: CA
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:
Inquiries by unknown person made several attempts to obtain credit fromXXXX 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 2022-11-10
Company: ID Analytics, Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX will not show me my credit report. 

Sagestream will not show me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: LEXISNEXIS
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Lexisnexis will not show me my credit report. 

XXXX will not show me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a credit card with Citi Cards. It was an XXXX XXXX XXXX XXXX XXXX card. The annual fee is steep at {$450.00}. I applied on XXXX, but did not receive the card until XXXX after XXXX phone calls and promises that it was mailed multiple times. It was approved immediately after the application online and I received a letter from Citi Bank 6 days after the application noting that it was approved. The letter also detailed that the card would be received XXXX3 days thereafter ; however it took an extra three weeks. As part of the new card, there were spending requirements to receive bonus miles that needed to be met within 3 months, but my clock started nearly a month before I actually received the card and could use it. By the time, I received the card and logged into my account, I already had one full statement that was completed with the {$450.00} annual fee billed despite not actually having the card.

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 2022-11-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank XXXX XXXX Department is using unreasonable and unfair practices to " verify '' my checking account to the extent that it is impossible to verify myself to remove whatever alerts that they claim that I keep occurring on said checking account. 

I currently have my up-to-date contact information ( email, phone number, and home address ) on file with Citibank, yet, the Fruad Department keeps insisting that they need to send me a code to a phone number that I do not have access to any longer, and all because it's allegedly on my " public records '' But, what difference does it make if I have a XXXX alledged " phone numbers '' on my " public records '' if none of them are my current phone number that I actually have access to? 

This is unreasonable and unfair business practices because on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, I spoke with 8 different rude employees on the phone regarding this matter, and three of them disconnected the call while I was still talking with them. And all eight of them continued to talk over me. 

Before this last time of having to " verify myself '' they were able to send me text messages to the phone number on my account. 

I went into the Citibank branch to speak to an employee on XX/XX/2022, and she was dismissive and refused to help me resolve and verify my account as well. I need my account verified within logical and reasonable reasoning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: GOLDMAN SACHS BANK USA
State: TX
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 called and texted serveral time trying to get Apple and Goldman Sachs to update my credit limits they havent reported since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Dera Sir /Madam A couple of weeks ago, I signed up for driving at XXXX and consented to a back ground check trough Check r the time frame to produce this background report is way due, they continuously keep denying the results of this report with generic messages apologizing for taking too long, this is affecting my ability to attain gainful employment, can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX. 2015 CITIBANK ISSUED A LINE OF CREDIT IN THE AMOUNT OF {$4900.00} OVER THE PHONE TO SOMEONE PRETENDING TO BE ME. CITIBANK IS HOLDING ME ACCOUNTABLE FOR THEIR ERRORS AND MISJUDGMENTS, I NEVER CALLED OR ACCEPTED ANYTHING OVER THE PHONE NOR DID I SIGNED A CONTRACT ACCEPTING ANY MONIES FROM CITIBANK OVER THE PHONE.I CALLED SEVERAL TIMES ON THIS MATTER TRYING TO COME TO A CONCLUSION NOTHING HAPPENED, THEY SAID I WAITED OVER 60 DAYS ON THIS MATTER WHICH IN FACT I DID'NT I MADE LOTS CALLS TO THEM I EVEN WENT TO THE BRANCH ON A SATURDAY CAUSE I WORK FROM MON-FRI XXXX. CITIBANK IS SAYING I 'M NOT A VICTIM OF FRAUD CAUSE I MADE THE CALL FOR THE CREDIT AND MISTAKENLY I WAS NOT THE PERSON THEY SPOKE TO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts on my credit report XXXX mixed file and XXXX fraud account XXXX bankruptcy mixed file XXXX XXXX XXXX marking fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: JOHN GIBSON AUTO SALES, INC.
State: AR
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father passed in XXXX of 2021 of XXXX. I am the executor of his will. I have been trying to close out his checking account with USAA XXXX XXXX XXXX ) since late XXXX. I have called faxed and written letters ( certified mail ) with all the information necessary to close the account. ( I have closed all his other bank accounts using the same info ). I even had my attorney write them a letter to inquire about why we can't close the account, to no avail. I have verified with USAA that they have received the information but they will not respond any further. I finally spoke with their insurance division and cancelled his auto insurance and they assured me that someone from their survivor relations would be in contact, but nothing. Not only have I had to deal with the loss of my father but dealing with USAA 's ignoring me has led to additional frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had submitted documents to Equifax pertaining to an account that had been shown to be antedating to reflect a different first date of delinquency. The account from XXXX is past more than 7 years from the first date of delinquency and Equifax would not correct or did n't perform an adequate investigation from the furnisher who submitted the account to collection not XXXX. The information provided was directly from the furnisher to illustrate the antedate of the account. I would like this to be deleted from my account.

Company response to consumer: Closed with explanation