BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My bank account was compromised via identity theft on XX/XX/2022 and a fraudulent transfer was made from my bank account via XXXX in the amount of {$3200.00} at XXXX, Citibank alerted me through my Fraud Alert Prevention of this " suspicious transaction '' via email at XXXX and declined the Online/Mobile P2P Transfer. 
Subsequently 2 other Citibank email 's was sent at XXXX that they've blocked my Online banking account User ID for my security which was to prevent the fraud from occurring. 

At XXXX, i was alerted via Citibank Text Alerts about the Fraudulent XXXX and if I had authorized it. Since I was driving to Kentucky with my son, I hit both # 1 and # 2 on my phone at XXXX in response. 

They texted me back the following 2 texts at XXXX Free Msg Citi : Your transaction was declined. Please retry. Your account is ready to use. 

And a second similar text message to contact the Citi Fraud department at XXXX. 

I logged into my account via the Citibank App on the road traveling to Kentucky ; approximately in Ohio. 

I saw the transaction as " pending '' and called the Fraud department approximately XXXX and was transferred to several agents as the call lasted exactly an hour and five minutes and 44 seconds. 

After I got off the phone with Citibank, I saw an email from Citibank at : XXXX stating that " I, sent {$3200.00} to XXXX XXXX after repeated communications they declined to authorize the transaction related to suspicious activity of what they claimed had come from an IP address from Florida and/or Virginia of which was never authorized and to whom I have no idea of such person. 

At XXXX ; I received an email from Citibank stating that the " Payee ( s ) on my account was updated and under it it said " Removed '' however their was " NO Name '' of anyone that was removed ''. 

I would have also received a prior email from Citibank, of which I DID NOT, adding this person " XXXX XXXX '' to my bank account ending in XXXX as a payee of which I don't have nor have I authorized. 

It's currently pending investigation under XXXX. My identity and my funds were stolen and I would like to hold all parties responsible for their actions or lack of actions as it is a criminal offense. 

Subsequently, on XX/XX/2022 I receive another email alert from CitiXXXX at XXXX stating that they to have have " identified and flagged this as possible suspicious activity on my checking account. 
Yet the funds were released and processed by Citibank, hence it was their internal fraud protocols that failed them and I should be fully re-imbursed for {$3200.00} of what was stolen out of my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: OK
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, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Specifically, a collection item appears on my credit report for XXXX XXXX XXXX for XXXX They alleged that I owes XXXX XXXX XXXX this debt for the last bill on my daughter 's lease with XXXX XXXX XXXX. However, I have never lived on this property. Even though she agreed to let XXXX XXXX XXXX do a credit check on me, I never signed or co-signed for my daughter 's lease. I also pointed out that the signature that XXXX XXXX XXXX attributes to as her signature on her daughter 's lease is not hers. 
They were sent a copy of my ID showing my signature and I filled a police report as they requested but nothing was removed and they refuse to talk to me anymore. 

events timeline : I agreed to a credit check only. I never visited to sign the lease. When I got an alert from my credit report I checked and noticed there was an item from the complex. I called spoke to the lady in the front office. She explained to me they only had my credit report not my lease that is why I was not notified of the debit prior to it going to collections. When I stated I never signed a lease she said XXXX would call me back. I called back Friday XX/XX/29. Left messages and got a call from XXXX, she said she was not at the office, but she would get back to me on Monday. I called on Monday and left a message. Got an email showing my name was added to the lease. The rental office emailed me a copy and it is clearly not my signature. My name is even spelled incorrectly. I pointed that out to XXXX, however she refused to remove me from the lease and collections.

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 2022-08-24
Company: Santander Consumer USA Holdings Inc.
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:
In Accordance with the fair credit reporting act XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IN A COMPLAINT REGISTERED WITH CFPB ON XXXX CASE # XXXX REGARDING XXXX COMMUNICATIONS AND CONVERGENT OUTSOURCING, INC, I STATED THAT THIS DEBT WAS NOT OWED ON MY BEHALF 9SEE ATTACHED LETTER ) AND DISPUTED THE DEBT AND I THOUGHT IT WAS ILLEGAL FOR THE 2 COMPANIES TO TRY AND COLLECT THE SAME DEBT. 

ON XX/XX/2022 COVERVERGENT OUTSOURCING STATED IN A RESPONSE TO THE CFPB CLAIM NUMBER XXXX ( ATTACHED ) THAT THEY NO LONGER WERE ATTEMPTING TO COLLECT THE DEBT. 

I RECEIVED ANOTHER LETTER FROM CONVERGENT OUTSOURCING ON XX/XX/2022 ( ATTACHED ) THAT THEY ARE ONCE AGAIN ATTEMPTING TO COLLECT THIS DEBT THAT IS NOT OWED. 

ARE THERE LAWS AGAINST THIS TYPE OF HARASSMENT?

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 2022-08-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CNG FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report check n go has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) check n go acct # XXXX -- -remove acct inaccurate reporting 2 ) XXXXXXXX XXXX  acct # XXXX -remove acct inaccurate reporting XXXX ) XXXX XXXX XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX- I spoke to a US Bank XXXX XXXX XXXX Loan specialist to discuss the options that I have due to losing my home with this mortage last year when a car drove threw it on XXXX. This young male representative from XXXX Bank XXXX XXXX not only refused to assist me but was argumentative and denied me any options for mortage assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Yes, I applied for a credit card from USAA in XXXX with a credit limit of {$5000.00} given to me at that time I borrowed from that card {$3000.00} to pay off another card. After that on XXXX I was requested to show proof of who I was I did in XXXX. And then XXXX became XXXX as I was told all will rectified in 2-3 days and then it became XXXX with no resolution. Just multi answers from anyone who picked the phone.And all of this time I would be told not to Worry and that all will be fine.And all through this I was making payment and by the end of XXXX I was then told that my account was to permanently restricted and that a payment due. And at no time was I sent or in any form my statement what I owed neither what the amount due to me.And as of this I am still without any knowledge of the total amount or was is due per month for payment and when I called on XXXX/XXXX/XXXX I was told that I had NO right to receive any statement what so ever. And for payment they would tell that I had several way of payment but I asked I was told to send it by mail with statement, which I have not been given any. ( Note : I only wanted a Credit Card and nothing more )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX XXXX. Reported by debt collector CAPITAL ACCOUNTS LLC, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from company that I have no account or relationship with. Have requested in the past that they do not call me & advised that I am on DO NOT CALL list. This call was from XXXX no caller ID associated with number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Shellpoint Partners, LLC
State: TN
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 refinanced my mortgage with Newrez mortgage company in XXXX. They placed the account with shell point mortgage services which is their collection dept. I paid this mortgage off, XX/XX/XXXX. My payments were never delinquent, but because they placed it in the collection department its a negatively impacts my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: FL
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 a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Sarma
State: FL
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:
In section 15 you sc 1681 section 602a State I have right to privacy 15 USC 1681 section 604a section 2 it also States a consumer report agency can not furnish an account without written instructions USC 1681 c A5 section States no consumer reporting agency may make any consumer reporting containing any of the following of information any other adverse items of information which in a dates the report by more than XXXX years other than records of convictions of crime in accordance with The Fair credit reporting act the list of inquiries has XXXX my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 USC 1681s-2 A person shall not furnish any information relating to a customer or consumer or reporting agency if the person knows or has reasonable cost to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have spoken with Midland Credit about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On or about XX/XX/2022, payment of {$800.00} was made on loan XXXX with the business. Payment has cleared and posted to my banking account on XX/XX/2022. As per the website of the business and my online account, the loan is paid off in full with a XXXX balance. Since, open accounts with balances can have an effect on credit scoring, the business should update this information upon receipt of this complaint with all major credit reporting repositories that it reports to.

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