BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a retired person living in the XXXX now for 7 years. Citibank has both my XXXX, California and XXXX, XXXX residence address. I have filed XXXX complaints against Citi within the last few months. I have over {$70000.00} cash deposited with Citi. I have been a Citi " Gold Card Customer '' for about 20 years. 
PERSONAL BACKGROUND INFO : I am almost XXXX XXXX XXXX. My wife and I live off of my Soc. Sec. direct deposit to my Citi XXXX XXXX Acct. However, since our cost of living is higher than the XXXX Sec deposit, it is usually necessary for me to transfer from {$500.00} to {$1000.00} per month from our regular checking acct ( ending in XXXX ) to the XXXX XXXX acct, and then withdraw the total via my citi debit card. We also had 2 Citi Credit cards for larger and online travel and hotel expenses. 
In late XXXX, I came down with XXXX induced XXXX. I was not admitted to the Hospital... .because Citi had, without any notice to us, closed both our Citi Credit Cards . Here in the XXXX, you pay when you are admitted. Nor could I buy the buy the expensive medicines I needed ... because Citi had BLOCKED my online access to my accounts. 
So my wife and I were ordered by the local government to " quarantine at home ''. WE could not leave our house by gov order. No one was allowed to visit us. They put yellow crime scene tape around our property so everyone in the Subdivision would know we were off limits.We ran out of food and drinking water and money because my online access was still blocked. 
On XX/XX/XXXX, Citi sent me a letter of apology and stated that they had fully restored my access to my online accts. THAT WAS A LIE. I HAVE TRIED 4 TIMES TO ON ONLINE TO GET MONEY. ALL ACCTS BLOCKED. TODAY, THEIR 'chat '' SERVICE KEPT ME ON HOLD FOR 27 MINUTES, THEN OFFERED NO HELP. 
I nearly died from the XXXX. I am somewhat better now, but still under quarantine. We are reduced to begging food from the neighbors, ( can not order online delivery because no credit cards, can not pAY CASH BECAUSE MY ACCTS ARE BLOCKED. ALL THE WHILE, Citi assures me in writing that ACCESS has been fully restored. 
I NEED MEDICINE, I NEED FOOD, I NEED ACCESS TO MY MONEY... But all I get from my Bank are written lies about how sorry they are for screwing me over and assuring me that the accts are fully accessible. What a pile of cow dung. I may die before they let me get access to my funds///

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act XXXX  account number XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 sec 602 A. states i have the right to privacy.

15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-09-19
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:
Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX after completing the five years I have come to find out that there was a change in my identity in the year of XXXX can remember when the school reached out to me in the year of XXXX about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXX I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX University from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXXI have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXX have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: NCB Management Services 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: Problem with personal statement of dispute

Complaint:
I had a car that was totaled by my ex who took my car without permission and had a car accident and he got a lawyer and supposedly settled and the insurance paid the vehicle that was in XXXX or XXXX I believe. Well now in XXXX it showed up on my credit report stating the loan was opened in XXXX of XXXX and that is completely false. Ive tried disputing and it doesnt get removed. I tried calling the company and they dont even have any information to give me about the account, I explained to 5 different people it was paid off by whoever hit him their insurance paid it. I was told that from his attorney because I have a restraining order on him we do not speak. I even had the police report saying I wasnt in the vehicle so The other person at fault was responsible for the pay off. I need this off of my credit report. The date is wrong this account wasnt opened in XXXX that is completely false information. And to my understanding it was paid off this was 5 years ago. I dont know if they put the payoff on wrong car since the check came from his name since hes the one who settled. I dont know but this needs to get fixed. Its been 5 years and when I call to ask more information to NCB management they had zero information to give me. They couldnt explain why that debt is there. Ive attached picture of court document where we went to court for him stealing my car and totaling it and a picture of the date and year so you can see theres no way the account was opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Frost-Arnett Company
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 agency, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

XXXX XXXX XXXX, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I subscribe to an credit monitoring service. I was informed that a new acct was opened by Credence Resource Management for {$970.00} for an unpaid XXXX XXXX XXXX XXXX acct for service from XX/XX/XXXX to XX/XX/XXXX. I never opened this account nor did I authorize use of my info to open this acct. I never lived in XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ALERT ... ALERT ... ALERT... : THIS IS NOT A DUPLICATE COMPLAINT! 

I. " Someone '' marked all duplicate and original complaints as being closed and resolved. 
a.Neither is true. This is a tactic I am familiar with, in the case of my experience with nortoriously criminal banks. The complaint is marked duplicate, closed and never addressed.

II. Wells Fargo is trying to contact me by phone, then filed a form-letter type response, publishing a long-long credit-card user agreement. 
a. I just got a letter stating they would contact me within 10 days of my Complaint, dated XX/XX/22 ; this was not filed at the portal, according to mandate. 
III. I need them to follow procedure and respond through the CFPB portal only -- NOT by phone. 
a. Banks exploit interstate phone recording laws ; I do not want to have any telephony with bank reps. 
IV. This entity points out that I filed for XXXX XXXXXXXX Bankruptcy protection a number of times ; however, these cases were dismissed. 
a. If I had gone through with them, ALL my credit card debt would have been wiped out. Instead, Wells Fargo decided to pretend to be magnanimous and forgive the credit card debt. 
b. When it was impossible for me to rescue my family home of almost 40 years from an illegal foreclosure action, I moved to filed Bankruptcy. With the stress of the impending home invasion and my XXXX, I was unable to file in a timely manner : hence, the number of filings. At the 11th hour I realized, bankruptcy was not an option financially. 
c. Well Fargo Bank, then went back on their promise to forgive my credit card debt. Again, they breached a contract; sold my debt to an anonymous entity and claimed a loss on their taxes. 
V. Since this bank feels it does not have to obey banking regulations, I will contact the IRS to report this breach of IRS Law. With Wells Fargo Banks unscrupulous history of credit card fraud, I am sure the government would welcome an expansive tax audit

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 trying to get this account removed for months now. On XX/XX/2022 I sent all three bureaus another letter asking once again for their method on how they are trying to say this debt is mine. XXXX closed the complaint so I contacted the fraud department via phone and the women I spoke to specifically told me she was removing it and come to find out she disputed it again. XXXX did not respond on time the complaint number XXXX still has not responded therefore that account must be removed and I'm owed XXXX for not responding within 30 days.

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 2022-06-24
Company: Experian Information Solutions 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:
The financial institutions listed below continue to violate my federal right to privacy. 

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 XXXXXXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, XXXX, or Experian, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.

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 2022-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Capital One XXXX XXXX credit card through which they promoted their capital one travel. On their site, they say " If you made your booking within the past 24 hours, you may still be eligible to cancel your booking without a penalty '' On XX/XX/XXXX, my husband called capital one travel and spoke with an agent who confirmed clearly that we can cancel within 24 hours with no fee. While booking they did not mention about any cancel fee So, on XX/XX/XXXX, we went ahead and booked 3 tickets from XXXX to XXXX for a total of XXXX ( {$120.00} per person ) and after booking they showed me the cancel terms of {$66.00} per person. 
Capital one travel record locator : XXXX I immediately called Capital one travel and asked them to cancel and give me a full refund. One agent told me that the 24 hour free cancellation does not apply for international flights.If yes, why did not mention clearly on their website. A second agent told me he would open a ticket and listen to the tapes from XX/XX/XXXX and then issue me a refund within 48 hours if what I said is true.

I did not get a callback in 48 hours. So I called them back on XX/XX/XXXX evening and the agent did not help. He asked me to call the airlines directly regarding cancellation. 
With no other option and due to tentative trip and the risk of losing all my money, I cancelled and got charged a fee of {$190.00} ( {$66.00} for each person ). Capital One is deceptive on their website regarding the cancellation policy. Further their own agent told me on XX/XX/XXXX that I can cancel within 24 hours. So, I request Capital One to give me a full refund of the {$190.00} cancellation charges. 

Capital One travel record locator is :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: CMRE Financial Services, 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: IA
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 voluntarily had them repossess it in XXXX still not showing as repossessed to this day in XXXX. Tried filing disputes multiple time but no luck. Kind of tired of it being shown incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off my debt for : XXXX XXXX XXXX 
JEFFERSON CAPITAL SYSTEMS LLC Original Creditor : XXXX XXXX  XXXX  XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. 

Debt was supposed to be paid off and also supposed to be deleted off my credit report. 

After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. 

I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. 

XXXX  IS A ONE PERSON CONSENT STATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Wolf River Development Company
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
The interest rate is 396 % and impossible to pay back. We borrowed {$2200.00} and will be paying back {$12000.00}. We have already paid {$2000.00} and have barely touched the principle. We make a {$340.00} payment every 2 weeks. Is there a way you can help us?

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 2022-04-24
Company: Grain Technology, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, XXXX, I contacted Grain XXXX about an issue regarding their App systematically deleting my banking information to make the minimum payment required. This caused them to report late payments to my credit report without adequate caused. I informed them that they should not have done this because it was a internal issue with their app which caused the delayed payment. They failed to rectify this issue even after having valid proof that their application wasn't working properly. 

However, I did not receive any feedback until XX/XX/2022. I then spoke with a tech supporter and sent a video recording of the app appearing blank and not showing any of my personal information. I continued to speak to XXXX ( customer Technology Customer supporter ) striving to rectify this issue. 

On XX/XX/XXXX, XXXX, without rectifying the Application issue Customer service stopped communicating with me. I submitted a consumer fraud report to them on XX/XX/XXXX, XXXX, informing them that their business was fraud, that they where taking consumers information knowing that their Application wasn't sufficient to report bad debt and sell my information to other private companies for a hefty profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Upgrade, Inc.
State: OH
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:
Someone took a loan out in my name then the company that the loan was with hacked into my checking account and tried to take money out of my bank account This was all without my permission I did not apply for the loan did not give anyone permission to get into my checking account and take money out

Company response to consumer: Closed with explanation