BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank offered us an accelerate savings account. I opened the acct mid XXXX. We made 3 large deposits first one {$40000.00}, next month we deposited {$20000.00} then in XXXX made another {$5000.00} deposit. 

The day after the last deposit on XX/XX/XXXX they said that they have blocked my account and is closing it. I have no access to my account to even see that my money is there. When you call them you are on hold for over an hour. They will not tell me why they are closing it and they will not allow us to take our money out. They will close it after they investigate and will send me a check in the mail. 

I did receive interest. but now I can not access or receive any interest and with the current mail system I have already experienced not receiving checks in the mail multiple times. So sending me my money 60 days later in the mail is unreliable and unacceptable. 

I need access to that money sooner than 60 days. They are not allowing me to talk with a supervisor. They give me no confirmation or reason why they have blocked and closed my account. At this point I just want to put my money back into my local account. 

No withdrawls have been ever made the only thing that has taken place is 3 deposits directly from our bank. All done on line. There has been no illegal activities. If someone was trying to do something to my account I don't understand how I wouldn't be notified about that and why they are closing my account. At this point they are holding my money with no confirmation or availability to see what money is in there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Account information incorrect

Complaint:
have held a XXXX VISA card for many years with a {$50000.00} credit limit. Two weeks ago, I applied to XXXX to increase that limit to {$100000.00} and provided them with current income figures which are more than enough to justify the increase. However, Equifax obviously did no research into my financial situation but merely said " ... the outstanding debt on your credit accounts is too high ... ''. In fact, the ONLY credit account I have is the same XXXX  card I was applying to increase. I have a net worth of over $ XXXX, have never had one overdue bill and absolutely no debt whatsoever other than that XXXX VISA card. 
As a result of Equifax 's shoddy work, I expect that my credit rating will suffer. As a result of their actions, I have applied for another credit card with a {$100000.00} limit and am convinced that, if I am refused that limit on this new card as well, it will be as a direct result of the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I financed a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX AZ off XXXX XXXX and XXXX. Within 3 days I had to run a red light to avoid an accident because I had no brakes. I put 3 service calls into the dealer and they did n't call me back. I took the vehicle to my own mechanic and they gave me documentation that they sold the car with a faulty Anti Lock Brake System and all 4 lines were not connected. This is part of their compliance inspection before selling a car. I went to the location and the GM wo n't reimburse me and told me to go XXXX myself by the name of XXXX. I am trying to resolve this amicably because this is negligence and a complete liability. If not I will file litigation if you ca n't help me. I want compensation for my fees paid to the mechanic which I have documents for and about the faulty brakes and I want my monthly payments lowered immediately. I will not stop until I get resolve I am an extremely relentless person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: NC
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:
XXXX Sent dispute letters to Equifax , XXXX , and XXXX . disputes are as follows Equifax : XXXX XXXX {$230.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX- {$880.00} XXXX : XXXX XXXX XXXX- {$230.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX : XXXX XXXX {$230.00} XXXX XXXX XXXX {$580.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX Sent Demand to Comply Letters to all three bureaus, XXXX, XXXX, and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: Mitsubishi Motors North America, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple validation letters regarding validation of this debt. I have received nothing in return. I am trying to buy a house at the moment and this debt is not allowing me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
With all the news about Wells Fargo, I wanted to send in my complaint even though it was from XXXX XXXX. I closed my account during the down turn at Wells. I did have some automatic bill pay, but the bank told me when I closed my account that they wo n't be able to take money out since it is closed which made sense to me. However, a few months later they contacted me and said I owed them {$2500.00} because they were charging me overdraft fees even though my account was closed for any automatic bill pay. They bullied and threaten me that all banks belong to a service and if you are on the list then you ca n't get a bank account anywhere in the city. So I borrowered the {$2500.00} from my dad and paid them for the fees! Then when I did go to the branch and paid them I asked over and over if we are square and nothing more to be paid. They assurd me that nothing more would happen. A few months later they call me and said I owe them {$500.00} more or they will take me to collections. I was irate and after telling my story, I never heard from them again. Fortunately, I never saw a collection on my credit report. I 'll never see that money again but you need to know what bullies they are and how they ripped me off! Thanks

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 2022-07-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 At around XXXX XXXX I went to the region ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I used my debit card to deposit Cash to my business I deposit {$1400.00} in cash the ATM took the cash the atm said Payment retained Transaction canceled each time I tried to print a receipt the atm said transaction canceled. Regions Atm took my money. Regions can count the machine and see the machine was over plus there's a video recording showing I made the atm deposit. I'm not sure why but I'm having a hard time getting my {$1400.00} back when the atm took the money and did not deposit the money into my 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 2022-08-25
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION HAS YET TO PUT A FRAUD ALERT ON MY CREDIT REPORT. I FILED A COMPLAINT ABOUT TRANSUNION AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT. THEY ARE STILL ALLOWING PEOPLE TO INQUIRE ABOUT MY CREDIT AND TRY TO OPEN ACCOUNTS IN MY NAME AND USE MY SOCIAL SECURITY NUMBER. ON XXXX XXXX, 2017, SOMEONE USED MY INFORMATION TO TRY AND OPEN AN ACCOUNT AT XXXX XXXX IN UTAH. I LIVE IN XXXX PA. REMOVE ALL OF THE INQUIRIES ON MY CREDIT REPORT THAT I HAVE STATED PREVIOUSLY AND NOW. DO N'T TELL ME THAT NO ONE NEEDS MY PERMISSION TO RUN MY CREDIT ESPECIALLY IF I AM FILING A COMPLAINT STATING THAT THEY ARE FRAUDULENT. I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE INQUIRIES ARE GONE AND EACH TIME THERE IS A NEW ONE. MY NEXT STEP IS TO CONTACT MY LAWYER.

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX I submitted dispute letters prepared by my Paralegal according to the Fair Credit Reporting Act and requested in the letters the names of the individuals at XXXX Trans Union and XXXX to provide me with the information that they used to verify the accuracy of the disputed items published on my credit reports. I requested credit applications used to open these disputed accounts reported on my credit report is truly me. These Bureaus publish information taken from any creditor without first validation of the accuracy of the information published and have been doing this for years in violation of the FCRA and getting away with it just like police officers and their XXXX acts. I requested copies of updated credit reports, names if the individuals who verified these accounts application used to open the accounts and any pertinent information they claim identifies me as the individual who opened these accounts. We have a non profit group of individuals who are preparing the same letters to combat the frivolous fraudulent information published on individuals credit reports unverified for monetary gain from the credit bureaus. We are going public on the radio announcing what the credit bureaus are doing and offering FREE service to assist in disputing wrongful information on XXXX Americans credit reports with the intention of bringing a class action lawsuit against these agencies.

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 2022-09-01
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Account was charged off and I paid Amex directly. I was told that once paid account would be deleted from credit report. Over the years I didn't realize that it was still showing and as a negative account. Called them and was told there's nothing they can do I have to wait for it to fall off ny report. So basically they lied for me to make the payment then didn't keep up with their end of the bargain

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 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 non-monetary relief
Consumer complaint received 2017-04-14
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.

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 2019-11-03
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was using a myvanilla card for my ex-pats NY state. They will not release my funds. I am on Social Security disability. The finds will not be released after I have submitted a copy of my drivers license and signed social security card. I had a friend put cash on the card and they will not release the funds after I called them twice and submitted the requested documentation twice. My name is XXXX XXXX XXXX. I received an auto-response email both times I submitted my claim. Now I am receiving notices from XXXX because they won't release my money. The first call was made on XX/XX/XXXX the second XX/XX/XXXX. I don't understand how I used cash money and they can refuse to release my funds. If I can no longer use their service fine but return my money. I can be reached email : XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX - CALLS REPEATEDLY ALL THROUGH THE DAY ( ROBO CALLER ) RECORDED MESSAGES AT TIMES OTHER TIMES NO MESSAGES IS LEFTS ON MY PHONE JUST A PHONE CALL. 

XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX   XXXX XXXX ( ROBO CALLER ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( 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 2020-08-29
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2020. They identify themselves as a law firm called GORDON AYLWORTH & TAMI P.C. which they are not. They are a debt collectors. Sent me a mail threatening me for garnish of wages jail time about a debt that was taken out in my name while my Ssn was compromise during XXXX Data Breach. This was something I sent in docs to the original creditor about and to this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit there is a midland funding. I have never done business with these people. They tell me this is a closed account. I should not be on my credit record or anyone else 's, yet it is. Reporting just 2 weeks ago. I have never done business with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: MD
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 have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all 3 credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
If the account was charged-off XX/XX/XXXX at an alleged one-hundred twenty days past-due, why is there an alleged past-due amount of XXXX dollars out of a total balance of XXXX as of XXXX XX/XX/XXXX? It would appear American Express is billing me as though monthly charges and future payments are required on my account. It would appear they are additionally supplying informatoin regarding monthly payment history for the account that is inaccurate/unverifiable because even if I were to PAY the allaged outsanding amount of XXXX, dollars, American Express has already made clear " they are no longer providing statements because the account is charged-off. '' Jackson v. Experian Information Systems LLC, No. 18-CV-271, 2019 WL 179570 ( M.D. Ga. XXXX XXXX XXXX ) ] made clear that a firm can not provide information to the CRAs that would be misleading if/when another potential creditor reviews my credit file. The advancement of payment delinquency by 30 days past-due, ie { 30, 60, 90 120, ..., N } implies that future monthly payments continue to exist for an allegedly charged-off account. It would appear to me that American Express is in violation of the portion of the FCRA applicable to persons who furnish credit information to credit reporting agencies, 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding is trying to collect a debt for me that I do not all they are using a company named Resurgent Capital to do so. I have contacted them by mail letting them know that this date is not mine I have been a victim of identity theft on multiple occasions and I have forwarded them my Federal Trade Commissions report. They are reporting the debt on my consumer report which is affecting my creditworthiness and livelihood. I have done everything in my power to prove to them that I did not initiate any debt but they will not stop at trying to collect at this point I dont know what to do. 

LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX or XXXX XXXX XXXX XXXX # XXXX XXXX South Carolina XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 legally changed my name and gender and my credit has been tanking ever since and I can not get any loans or creidt. Background checks, credit checks, credit scores, etc all show under my old legal name and gender and despite contacting them for over a year now, nothing has been updated and my credit is still 100-200 points lower than it was with a name that is not updated. I do not know what else to do! Please assist.

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