BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Thank you CFPB. In regards to complaints numbers XXXX & XXXX I 'm satisfied with the company 's response. Please cancel any further action. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX and XXXX at XXXX. It was an automated system message stating that if I did not respond immediately, I would be sued in XXXX county courts. It gave a toll free number to call back. I was not able to write or record the number as it was only stated once before the call disconnected. I called the 614 number back and spoke with a very rude individual who seemed to know everything about me including my ssn, without me saying anything more than hello. I never verified any information. He questioned me about a debt with Check-n-Go then rattled off some account and routing number that I had never heard of or recalled ever having, nor did I recognize the bank name. He started to yell and be very rude to me before disconnecting the call. I called Check-n-go and they verified there was a loan from XXXX but it was closed and didn't appear to be in default. They were able to give me the date, amount and loan number. I called the 614 number back and attempted to ask the gentleman to verify some more information for me. He told me I shouldn't have called Check-n-go without speaking with him first. He became Irate, continued to yell every time I asked a question and speak over me until I said I wanted to verify the info to make a payment then told me he was transferring me to someone else. The woman he transferred me to knew nothing about my account and could only process a payment. How could that be? She told me I would have to be transferred back to the man to verify any info. When connected back to him, I asked for a supervisor. He refused and continued to yell at me with threats til the point that I became upset and disco 'd the call. I also blocked them from calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Have recently received a Judgement warning for a charged off debt and has threatened to garnish bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Lendmark Financial Services
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: Credit inquiries on your report that you don't recognize

Complaint:
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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: Information belongs to someone else

Complaint:
I applied for a credit card and got denied. I saw items on here that I know nothing about. Can you please these accounts off my credit No name Acct # XXXX, XXXX XXXX, XXXX DEPTEDXXXX, XXXX  XXXX, US DEPT ED, USDOE/XXXX. I have contacted the FTC and local police.

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 2015-10-14
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I started a new credit card with Citibank. When I first owed {$10.00} on the card in XXXX 2015, I called customer service at Citibank to see how best to pay the debt. The customer service representative said that I had a year of 0 % interest on this card, and that I did n't need to pay it off. She recommended that I wait until I accrue a larger debt on the card as it did n't matter when I payed it, during the first year. She said there was no penalty for the first year. Based on this information, I did n't make a payment at that time. 
The problem is that in XXXX of 2015 I received a call from the collections department of Citibank saying that I was over 60 days overdue and that I had been reported to the credit bureaus. I tried to explain and the lady did n't want to talk about it at all and said I would have to talk to customer service about the report to the credit bureaus.. I was furious. 

After immediately making a payment, I contacted customer service at Citibank and they said they could n't do anything, and that my only recourse was to contact the XXXX XXXX department by mail only. This I found ridiculous as I am being given the run around and not being taken care of as a customer. They told me exactly what to put in the letter including the last XXXX digits of my credit card number. 
I write a letter to the department explaining that I want them to call me and to fix the report that they made to the credit bureaus because I had been misinformed by their company about making payments. This letter was dated XXXX/XXXX/15. 
I received a letter from the XXXX XXXX Department dated XXXX/XXXX/15 asking for my credit card number and a copy of the credit report. This incited me even more because they are wasting a lot of my time with the slow correspondence by letter, and they did n't call as requested, and they are requesting information that they already have. 
I respond on XXXX/XXXX/2015 demanding that they call me and make some real effort to rectify the situation with the credit bureaus. 
The XXXX XXXX Department responds with a XXXX sentence letter dated XXXX/XXXX/15 asking for another letter from me explaining my situation ( already did that in my original letter to them XXXX and a copy of my credit report. They are clearly trying to wear me down with their red tape and letters. 
I finally respond with a hand written note on their last letter stating that I am contacting you, the CFPB, to file a complaint and seek resolution. I 'm including copies of all letters in this filing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
According to XXXX, I have a " Fair '' rating n credit inquiries due to XXXX requesting XXXX hard inquiries within a XXXXmonth period of time when I was shopping for the right product with them. They assured me any inquiries would not impact my credit score. When I called to ask why they requested XXXX hard inquiries on my credit report they offered no acceptable response nor any solution. My credit score was negatively impacted in part due to their redundant requests.

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 2022-08-18
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:
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 XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX XXXXXXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX  XXXX XXXX XXXX XXXX - Closed and still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizen banks system told XXXX XXXX 's system my account was invalid and rejected my payment causing adverse entry on my credit report. They also re order debts to maximize fees and this is done during system down time after debits have posted to the account earlier that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America charged me XXXX {$35.00} overdraft fees for debit card transactions. Bank of America has refused to reverse these charges, although it is not legal or certainly not in compliance with the regulations set forth by Dodd-Frank. The argument Bank of America is telling me by justifying these charges is the a third-party ( in this case XXXX ) has deemed its transactions as " reoccurring '' charges ; so the bank can charge overdraft fees. This is totally unacceptable and is a slippery slop to redefining " reoccurring '' charges. Suppose I visit XXXX, a grocery chain, several times a month and conduct multiple transactions. Will these now be considered " reoccurring '' charges and be processed as such? Bank of America says it has no control what it deems as a " reoccurring '' charge and this is determined by the third party. However, I do n't understand how the bank can allow a third party to determine when a transaction is processed and/or denied and then proceed to charge a fee. Does n't the bank have final say in what is approved and what is n't? Also, if XXXX is skirting the regulation what interest does Bank of America have in protecting the consumer when it can freely charge customers overdraft fees because a third-party has deemed the transaction as " reoccurring '' although the transactions are different amounts and at different points within a given time period? Either Bank of America or XXXX is taking advantage of the consumer and/or skirting financial regulation ; or the financial regulations in place have a large loophole in them that does not protect the consumer, but allows banks and private companies to determine what type of transactions they are processed without any formal regulatory framework.

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 2020-09-30
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. Please remove the late off of my credit file as those 2 lates were not my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NV
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 l have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the account listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Crown Asset Management ( C.A.M. ) has violated my rights as a consumer. 

C.A.M. has brought upon unfair practices against me by trying to collect an alleged debt through litigation. Fact, under the FDCPA pursuant to 15 USC 1692i ( b ) they have no authorization as a debt collector to bring any legal action against a consumer.

C.A.M. has also violated my rights under 15 USC 1692j by furnishing a deceptive form to make me believe I owe this alleged debt. C.A.M. has also violated my privacy pursuant to 15 USC 1681a ( 4 ) by obtaining my personal information without my consent and also reporting inaccuracies to the major credit reporting agencies. 

Crown Asset Managements unwilful behavior has caused me extreme embarrassment, a ruined reputation, XXXX XXXXXXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying to contact the credit bureaus and remove the fraud alert from my credit file.

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 2020-09-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited into my TD Bank checking account a check of XXXX dollars yesterday morning XX/XX/XXXX2020 around XXXX XXXX. It was a valid check from a known organization. The check was from XXXX. I did it using a teller. I did not deposit it from the ATM or from a mobile app. Today, I checked my account and I see that TD Bank placed that deposit on hold the description read " FM Deposit Hold-See SM ''. I called the bank and the rep said that it's standard practice that they place the deposit on hold for verification. I asked for how long and they said for 6 days! possibly. That got me very upset. I asked to speak to a manager, and I asked the manager why I was being targeted when I never bounced a check etc. She said that there was nothing she can do. I then asked who was responsible for this and she said that it was the fraud department. I asked if she can transfer me to them so I can ask them directly why I was targeted. I spoke to them and they said that there was nothing they could do about it!!! She also said to me that this was done for my protection! They are holding my funds from me for no good reason for my protection! So outrageous! 

Please note that this is the second time that TD bank has done this to me. Previously I deposited my paycheck ( a City of XXXX XXXX paycheck .... ). I used the ATM then. They placed a hold on it like this time and it took about ten days to clear. Their excuse then was that I used the ATM and they advised that next time I use the teller. Well, this time I made sure to use the Teller for my deposit and low and behold they targeted me again and placed my deposit on hold again. 

This is outrageous and completely inexcusable especially that there is no reason for this hold as there is no history of any bounced checks at all. And for them to tell me that there is nothing they can do about it is beyond wrong when they should have never placed my deposit on hold in the first place. Additionally, I have direct deposit set up for my account which is another security for them and another reason that they should never place my check on hold for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX  documents along with proof of identification to XXXX and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to XXXX to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for Experian, and XXXX pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had encountered couple of incidents with my account # XXXX at Bofa and each time I was not alerted and the only way I had come to know about the issues when I was proactive in checking my account balance. First issue was when an individual wrote a check from his/her personal account for an amount of {$1900.00} that cleared the account on XXXX XXXX, 2017 due to the fact that the account number for this individual closely matched the account number for my account. However, had I not caught this soon enough, I would 've never known that this check did not belong to me and it cleared without any issues, since there were enough funds in the account to allow that to proceed. Of course, through some random checks someone at the bank would 've caught this, but who knows that would 've happened. 
The second incident occurred on XXXX XXXX, 2017 when this account was charged XXXX NSF fees at {$35.00} when just the previous day I had noticed that XXXX Merchant services transactions were showing pending for clear and the account balance showed that there were enough funds in the account to cover the balance. That same day, a check was also cleared, however I did n't receive any notification for a deficiency in balance and when I found out about it, the representative mentioned that it is too late to deposit any new funds to cover the balance. I was expecting some alert notification if the account reaches below a certain threshold and I have it setup also, but I 've yet to receive any message in time for me to take action on it. I am very proactive about keeping the account balance in tact so I do not incur any fees/charges. I have had this account for a long time and I have maintained a great history so I am really frustrated that I am not being notified in time for any suspicious activity in the previous case or when a balance at any time falls below a certain threshold to where an action can take place the same day. The Bank charged these fees unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..

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