BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am contacting you about XXXX and Citibank which I contacted today XX/XX/22 and I contacted XXXX XXXX  daily for the past 10 days. Both banks, and indeed many banks today can not deal with some one who does not have a mobile phone. They have one way to verify me and that is through a mobile or cell phone number. I feel this is discriminatory towards people without cell phones for whatever reason. I have no interest in having a cell phone but many older people do not have any idea how to use a cell phone for more than a call even if they do have one. In addition in states other than my own which gives free cell phones out to lower income people, there are many who can not afford a cell phone. 
I have been barred from my online account at XXXX over and over and have a limit of {$500.00} per day for 10 days now to use my account. Citibank will not issue me a debit card as they can not verify me. 
I think that all businesses should have more than one way to verify someone. I have spent at least 30 hours on the phone with this issue in the past XXXX weeks. I am required to walk into the bank in person. I am not a shady person but I am trying to have all the rights of a person with a cell phone. I think there should be a second way to verify customers. I also would like to complain about another issue and that is that one can not have a debit card and separate ATM card any longer. I have been told it is for security reasons but this decision is anti security. A debit card is not at all secure. Anyone can take my debit card into any number of retail places where you can use it for up to {$100.00} with no one asking for a pin or looking at the back of your card to verify you. An ATM card is very secure as someone needs to know my pin to use it. Therefor e I feel secure carrying around an ATM card at all times in case of need but I do not feel secure carrying around a combo card that has an insecure debit card attached to it. Why did someone make that decision that these two should be combined thereby decreasing the security of my accounts.

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 2017-04-26
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collector is not bonded in the state of Texas and by law, they can not attempt to collect a debt. I have already tried to dispute this, the debt company and credit bureau will not comply.     Section  392.101  of the  Texas Finance Code prohi bits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.     {$470.00 } 2  accounts reported on   XXXX   XXXX   XXXX   This agency did not report an open account to this bureau.   Open Account #  1 { $93.00}  Balance Original Creditor   XXXX   XXXX   XXXX   XXXX  {$93.00} Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.   Responsibility Consumer disputes this account information Medical Remarks Note Open Account #  2 {$ 380.00} Balance  XXXX   XXXX   XXXX   XXXX  Original Creditor {$380.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consum  er  disputes this account information Medical Remarks Note

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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22, Wells Fargo Online Fraud Detection Operations Department sent me a letter ( attached ), regarding unusual and authorized activities on my checking account " Restricting Access to my Accounts '' ( attached ) unless I contact them " My voice is my password, please verify me '', how can someone imitate you voice and over pass Wells Fargo Security System? 
I called Wells Fargo to report my cell & ATM Debit Card Stolen. 
Since accounts were compromised Wells Fargo made change account numbers, Usernames & Passwords for my safety and to protect my accounts, also CANCELED my " XXXX '' and " Wire Transfers ''. 
Since then I called almost everyday spending 2-4 hours between customer service and online fraud departments telling me " There's a process they need to follow & accounts are under investigation '' in the meantime my balances were going down, down until the hit negative and Wells Fargo couldn't stop it! 
Everytime I called they said " Everything is OK, XXXX XXXX! We are doing everything we can XXXX XXXX! 
Wells Fargo process to stop these hackers took too long and was unefficient. 
Wells Fargo process to stop hackers " FAILED '' & " TOOK A LONG TIME '' On XX/XX/22 received letter from Wells Fargo ( attached ) stating that they " FAILED '' to stop the hackers and their bank will NOT returned the money. 
Wells Fargo failed to protect and recover my money. 
Wells Fargo took 12 days to process and denied my claim. 
WELLS FARGO - ON LINE FRAUD PROCESS TOK OVER 12 DAYS ALLOWING HACKERS TO GET AWAY WITH MY MONEY. 
" MY XXXX CLAIM TO RETURN MY MONEY WAS DENIED ''

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 2022-08-02
Company: Paramount Capital Group, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Good afternoon Sir/Madam Last year at XXXX I thought I signed contract with XXXX XXXX for XXXX Training and I didnt complete it, just attended for couple of days then XXXX XXXX XXXX after that my grandma went to intensive care at XXXX so I fly back there when I came back I sent email to my recruiter at XXXX and we agree after I took my XXXXXXXX XXXX  she will get me back to school. But what happened my grandma passed away so I need to go back and my mother got sick so I stayed for 3 month when I came back tried to get in touch with my recruiter but never answered me anyway I found the loan was from banks, I tried with XXXX XXXX either they get me back to complete my training or send the money back to the bank, the respond was get another loan to go back or call the bank this is not fair! I called the bank they told me either to pay the money or call XXXX XXXX! 
I felts I got framed from both of side as I was welling to just pay what I attended. 
Sorry if I got to long just to explain all details as I feel I got scammed by two companies, hope you get justice for me as the end I told them that I am going to complain for counsumer protection they said go ahead Regardless XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Grain Technology, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had an established relationship with the company. I paid by bill on time and ensured the credit limit was always available.

In XXXX  of XXXX  I was asked to verify my identity. this was after I had the account for almost a year. I submitted documents on their app and waited weeks for verification. the company wasn't able to verify my identity, waited weeks to respond to any questions and closed my account. Customer service is almost non-existent. yet the company continues to email me statements with a XXXX balance and credit limit. 

I am not the only person having this issue. the comments listed in the XXXX XXXX are riddled with customers who have had the same issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/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 2023-01-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received my Chase debit card and I was trying to activate it. When activating it their system asked for my pin number. Because the account was not activated I do not have a pin number. Therefore I could not activate it. 
I called Chase customer service and stated the situation. The customer service transferred me to a system that requires my pin number which was not helpful at all. 
I then tried to activate it online on chase.com, only to be told my card was already activated. 
So my debit card is activated without my permission and have a pin number I do not even know/ did not even set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
The credit reporting company continues to share incorrect and inaccurate information about me without my consent.

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: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2022 I reached out to Experian to have address remove and alias fixed begin that I only have one name and one current address and explained that I have Disputed them and if I could indeed get those information updated because I dont live at those address and the agent named XXXX didnt want to help so I informed her it her duty to get accurate information reported and that I am not getting help and how its a violation of the fair credit reporting act I asked to talk to a manger and she said no manger can help me.So I called back and talked to another person which XXXX the first agent told me she was only only person I could talk to which was a lie. I continued to explain what happened and the new agent talked for a bit and then put me on hold and then hung up on me.I asked for her full name she denied to answer me and only told me her team name is XXXX. Its seriously a problem that I cant get my own file updated which is a violation l.

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 2022-10-22
Company: Sunbit, 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX XXXX XXXX XXXX XXXX XXXX/SUNBIT ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 



If you accept my request, I will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: VA
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 problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: JPMORGAN CHASE & CO.
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G XXXX XXXX XXXX XXXX JPMCB CARD XXXX  ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME.

If you accept my request, I will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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:
there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX  XXXX Date Opened : XX/XX/1994 Balance : $ XXXX Late Dates 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 2022-08-24
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened : XX/XX/1994 Balance : $ XXXXate/Open Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX, I called Navient with questions about relief for a student loan. I did not speak to anyone at Navient but left a message with NAVIENT with questions regarding problems with my account. A short time later, I received a text with a referral to this organization. 

My original loan repayments were consolidated by either XXXX XXXX or XXXX XXXX organization. I believe I was on a graduated payment plan. I have made payments consistently on my loan since XXXX, when I began working at XXXX XXXX XXXX. I'm not sure of the circumstances but at some point I was referred to Navient in XXXX however, I know that I was not informed that I was no longer dealing with a Federal agency. I only learned with after being turned done for Loan Forgiveness in XXXX. 

Earlier this year, I contacted a legal referral group online and was given several options to pursue. When I explained the situation, I was encouraged to contact Navient for a copy of my original loan agreement. I did this but was only sent a summary of the loan. I have learned that the total amount to be paid is {$91000.00} for a loan with original principal of {$53000.00}. Moreover, as of XXXX, XXXX, my payments have jumped from {$290.00} to {$500.00}, with a payoff date of XXXX. Nor do I recall making these arrangements ; particularly as I am XXXX years old and look to retire in five years. 

I do know that in XXXX I was taking care of my mother and my brother, who was an adult with XXXX XXXX and other XXXX  XXXX, but I don't believe I was ever informed of the changes moving to Navient would make -- or that there were other options. I wouldn't have known about Navient had I not been referred to this organization. 

Contacted the XXXX website and received several offices to contact. HOwever, when I explained the situation, I was encouraged to contact XXXX and list my legal issue as Consumer Law or Education Law. However, I haven't had success finding a lawyer in my area. 

At this point, I am in desperate need of assistance and hope that I may receive information from this office on how t o move forward. 
.

Company response to consumer: Closed with explanation