BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a Citibank credit card account and opted out of all Citibank phone calls, checks, pre-screened offers of credit, affiliate marketing, etc. etc. on XXXX XXXX, XXXX. I thought that the opt-out preferences were permanent until changed by the customer, or at least were good for 5 years. But Citibank began sending me checks in XXXX XXXX, not even 5 years after I had opted out. I called them immediately and them told them I have opted out but they are still sending me checks one month later. Is this a violation of the opt-out consumer protection program? Why is it SO difficult for a consumer to stop what could be described as harassment or predatory business practices?

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 2017-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my XXXX and Transunion credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that XXXX, and Transunion remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX Thank you in advance for any support you can provide.

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 2019-02-06
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
NCTUE Security Freeze  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX PER THE FAIR CREDIT REPORTING ACT : I am writing to you to put a security freeze on my NCTUE credit report. Under the Fair Credit Report Act you are required to comply. I also OPT OUT of NCTUE and any report/file NCTUE or its subsidiaries may have containing my name or referring to me in any manner. 

My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX, XXXX IN, XXXX CURRENT PHONE NUMBER : XXXX Enclosed are the following two documents that verify my identity : Photo ID SS number After this credit freeze has been filed, please send me written confirmation, as well as, a copy of my FULL NCTUE DATA REPORTS to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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 status incorrect

Complaint:
I never gave Consumer reporting agency permission put a fraud alert on my account I am demand that they remove the alert from my account immediately.

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 2017-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Most recent report of inability to use past payment activity feature of online account management occurred on XX/XX/XXXX. I requested a past payment activity report of ( 2 ) YTD. <P/>Statements for this account are not received regularly. Account information does not transfer over correctly into XXXX and the timeframe of the account information that is available online keeps decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: NEW CITY FUNDING CORP.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a debt from 5 years ago it was voluntary given back to them saying still owe debt but he is not telling me exactly how much I owe told me had to make a payment before telling me how much I I owe and told me had to give him a routing and account number which I do n't agree with said would n't take credit card not giving my personal bank account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dept. Of Ed/Fedloan Servicing ( PHEAA ) XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Dept of Ed/Fedloan Servicing ( PHEAA ) , Account # XXXX, XXXX, # XXXX, # XXXX, # 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. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: WA
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 spoke to XXXX XXXX  XXXX about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX has been contacting me since XXXX 2015 or earlier, for collection on a Citibank credit card account that belongs to my husband, who filed for bankruptcy. The Citibank account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of XXXX XXXX. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Navy Federal Credit Union knowing there was a class action suit againsr them which i remember applying but cant find my paperwork.Garnish my wages at the time i was unrmployed and had XXXX dollars in the bank.I was getting unemployment and social sercurity it is the only money i had.The bank XXXX Bank allowed them and charged me bank fees for garnishment and return check fees. I was not informed. In advance the XXXX XXXX XXXX navy federal refused to take my calls. I had to go to court and pay to file papers to get the garnishment off my account. My orignal balance for a credit card was XXXX now it is at XXXX dollars.I have been unemployed since XX/XX/2016 the law firm of XXXX XXXX XXXX PA XXXX Fl has call me every month asking for payment. I had to close my account at regions because i am afraid they will take my social security benefits my unemployment has stop after XXXX weeks. I am concern now with the information i am working. they will take my money again. I have not been able to pay my mortgage and my utilities bills on time .I lost my car and life insurance because i am not able to pay the installments.I know there is a class action suit against them and they know it but continue to harress me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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 Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX SYNCHRONY BANK ) # ACCOUNT XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Sound Collection Services
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was told by my Landlord on XX/XX/XXXX I had until XX/XX/XXXX to move out because my lease will not be renewed. I had XXXX witnesses who heard this conversation one of them was the property manager. I wrote a letter stating that I was being evicted and my lease was up on XX/XX/XXXX. I also stated on there I was giving my notice for moving out even though i was being evicted. Well I dropped this letter in the drop box at the apartment complex. Then I started getting phone calls saying I owe for the Month of XX/XX/XXXX. I was contacted by a new Landlord from the complex. I told them what happened and had a copy of the letters I left and went and dropped them off with the new landlord because they said I never gave a notice and I was never evicted. Anyways I gave a copy to the new landlord and they still are trying to get me to pay the {$600.00} plus I do not owe. I still have the orginal copys. I was and still am on Section 8 Housing and they HAVE the copies of everything also proof that they called XXXX apartment asking why they evicted me. I had to go though a hearing because I almost lost my section 8 housing because of my Landlord. THankfully I did not lose it because the proof of the letters helped in my appeal. I just want this off my credit score because I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
my student loan is in good standing. no late payments. It was removed from XXXX credit report only. this has affected my credit score. I called them but no change. 
It was amazing this happen on the day i applying for a loan. I believe this was done deliberately. 
this was an underhand interference and calculate during the time of applying for a loan. The loan was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Social Finance, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank account with Sofi was frozen. I was not notified the account was frozen. I only found out when trying to access the account. The online chat will not talk to me because the account is frozen. The fraud phone number never has any support available. Only the option to leave a message that they don't respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone took a credit card in my name. They accumulated almost {$13000.00} in debt and did not pay it. I never received statements for this account and had no idea it even existed. I was eventually contacted by a debt collection agency saying I owed XXXX almost {$13000.00}. The debt collection firm is Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. Stillman and XXXX took me to court and won a judgment for {$12000.00}. I did not go to the court hearing as I was told not to. This is not my debt but I am being forced to pay for it. Stillman Law Office is garnishing my wages. I only make about {$350.00} a week. It is ironic I never received any bills or statements but when they went to collect they found where I live. Again they have been garnishing my wages but call almost everyday wanting more money. They wo n't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold account with Citi Bank in conjunction with a promotion offer XXXX American airlines miles after {$1000.00} in debit card purchases and bill pays in consecutive months. I quickly met the requirements and called in to Citi bank several times to confirm that the promotion was noted on my account and that I had met the terms of the promotion. Every time I called in the customer service representative informed me that I had met the requirements and that I would be receiving the miles within 3 months of meeting the final requirement. They also informed me on XXXX XXXX through a secure message that the miles were in process are were due to arrive in my account within 30 days. Citi bank is now refusing to honor the terms of the promotion saying that I was not initially targeted for this promotional offer. This is a direct contradiction to the information I received from several customer service representatives stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. I believe that Citi bank knows that they owe me the miles and have been intentionally slow and unresponsive in their dispute resolution process. I began several investigations with them 2 months ago and the issue is still not resolved. As a whole the company has been very unhelpful and I think they are hoping that I just give up so that they dont have to pay the miles.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been unsuccessful in contacting Experian about a complication and their website isn't working correctly with my login credentials, nor does any of their customer support/service phone numbers. Experian system is faulty and malfunctioning. I am being denied access to credit by Experian due to listed reasons which are not valid. 

I would like information on current lobbying efforts to increase regulation of credit reporting agencies. I would also like to receive any advice on recourse with delays in access to credit due to Experian 's faulty phone and web access portals.

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 2016-09-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Submitted via mail on more than one occasion that my credit was pulled in error on XXXX/XXXX/2015 by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manager at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus in trying to help resolve this. Each told him I would have to dispute with them. I did and have yet to hear from Experian about a status or that an investigation has been completed.

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 2016-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all bureaus.

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 2017-01-20
Company: WELLS FARGO & COMPANY
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CFPB, I am a US service member currently located in XXXX. I lived in XXXX XXXX till 2009 and XXXX to XXXX, XXXX XXXX, a XXXX in XXXX, back to XXXX, and I currently reside in XXXX since that time. During this time I have attempted to first attempt a home modification with Wells Fargo and was rejected. I then tried a short sale with Wells Fargo, had a buyer and then was rejected. I currently rent the home out for XXXX but am making payments of XXXX. I always wanted to keep this home that 's why I first wanted a home modification. I spoke to them about the Home not being an investment property and the modifications to the SCRA in regards to homes for military home members but that went on deaf ears.

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 2016-04-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian They sent me a report and reposted Items they removed the XXXX XXXX bank account they do this over and over it takes me months to remove and they put it back on Please have items removed and not reposted over and over.

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 2015-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have contacted Experian on several occasions to dispute unauthorized inquiries of my credit report by several companies. Experian has simply refuse to investigate or remove inquiries from my credit file. I I have even written letters to creditors disputing inquiries but never received response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation