BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: National Credit Systems,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: Account information incorrect

Complaint:
I moved I to XXXX XXXX XXXX XXXXXXXX XXXX the beginning of XX/XX/XXXX. I vacated the apartment XX/XX/XXXX. I left when I did to prevent any additional charges from being accumulated regarding my lease. I purposely contacted the management office when they requested my next address to clarify billing and made it clear they have no reason to keep in touch following my moving. Rather than showing any semblance of decency I received not only an attempt via email from the apartment complex attempting to collect additional funds from me erroneously, but also an electric bill for charges not incurred by me. They have since escalated this matter by contacting an additional company to collect an amount from me that isn't my responsibility. The company name is National Credit Systems , Inc . I have no outstanding balance with either company nor do I appreciate being contacted by either. The entirety of my lease the management office was made aware of numerous, consistent, and recurring unauthorized entries into my rental space. They had awareness of this and should be investigated as their property and those wandering around, in, and through it are a nuisance to civilians and neighborhoods. 
Following receipt of a nonrenewal notice and as I was preparing to move the maintenance personnel took it upon themselves to further antagonize and approach me outside. One of the two individuals stated that they were going to take all of my belongings again and made pointed reference to my aerial equipment. I was further stalked at the airport. This behavior then continued across country borders. This is a purposeful and targeted attack. Not only is this not tolerated, but also unacceptable. Furthermore, my personal account was drained by incurring a variety of fraudulent charges over a period of a few days all over the US. These charges were later shown to be posted to the account the day before I vacated the apartment space and the few days following.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was trying to transfer my XXXX rewards from Citi Bank to a partner airline XXXX XXXX as advertised on their website and their online portal, but I was never being able to do so. The only reason why I kept my Citi credit card is because they offer this service to transfer points to XXXX XXXX airline. I contacted both Citi and XXXX XXXX Customer service and Citi CS told me to contact XXXX XXXX to resolved the issue and XXXX XXXX CS told me to contact Citi and Citi has to initiate the conversation with XXXX XXXX to resolve the issue. However, after 2 attempts on the phone with Citi on XX/XX/2023 and XX/XX/2023, they are still unable to resolve the issue. On XXXX, the Citi representative told me he will submit a report to investigate the issue and get back to me in 48 hours. However, that did not happen. On XX/XX/XXXX, the supervisor from Citi CS told me that the issue " can not be solve at this time '', exact wordings, and my points will not be able to transfer to XXXX XXXX. I believe it is a false advertisement in my particular case if my points can not be transfer to XXXX XXXX as of what their website and online said.

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 2023-03-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by XXXX XXXXXXXX XXXX  of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. XXXX XXXX XXXX responded with account summaries and a letter from said original creditor JCPENNY. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.

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 2020-06-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Chrysler Capital - RR XXXX XXXX XXXX XXXX was sent on XXXX XX/XX/XXXX to pay off the account in full. Not applied. Account is now reporting to the credit bureaus as " XXXX XXXX XXXX XXXX XXXX '', which would mean a 1099 form would be reported to the IRS. This has not happened and a repossession order was sent out instead with a thug identifying himself as an " Investigator '' calling on XX/XX/XXXX, to intimidate, harass and frighten me. ( XXXX at XXXX XXXX EST lasting for 38 seconds ). 

When I called Chrysler today to clear up, they are purporting the account is not balanced to XXXX with the instrument above, and the account is reporting incorrectly to the Credit Bureaus and is allegedly in a " Charge Off '' status as of XX/XX/XXXX. 

They are refusing to extend any COVID 19 assistance or any other assistance whatsoever on this purported debt for which they have STILL not provided me Proper VALIDATION OF DEBT paperwork on - a FDCPA Violation. 

Please help. Thank you Kindly and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There are two simultaneous complaints. Ally Bank recently sent me a new debit card. I activated the card in mid XX/XX/2023 and have been using the card without issue. Today on XX/XX/XXXX, I tried to use the debit card for a XXXX XXXX purchase and the card was declined for a {$5.00} purchase. Since there way more money than {$5.00} in the account, I called ALLY immediately. I spoke with a customer service rep [ by the name of XXXX. Her response was the card is showing " inactive, '' yet it was activated XX/XX/XXXX and used MULTIPLE times. I then speak with a supervisor. He is telling me there is nothing they can do but issue me another debit card where I have to wait 5 business cards. That is unacceptable. 

Moreover, there is an additional complaint for a {$1300.00} purchase dispute for a item cancelled same day as purchase with XXXX and the seller XXXX XXXX. I called Ally Bank FIVE times spoke with three managers. They said they would send via email a link to upload all the supporting documents. Not only did they NOT sent the link, the CLOSED the dispute ON THEIR OWN without allowing me to upload the required documents. THis is lazy, inept, and indifferent to a long time client

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 2016-04-29
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am writing in regard to Discover Financial Services. XXXX XXXX I made a final payment to this credit card due to loss of personal solvency. XXXX XXXX I received notice Discover was writing off this debt as uncollectable. 

Tax year XXXX I received a XXXX for cancellation of this debt. This is incorrectly reported, and should be applicable to Tax year XXXX. As a result of this reported charge off in the incorrect tax year, I have wrongly due {$900.00} to the IRS. 

I have contacted Discover Financial Services in writing and via telephone several times in an effort to have them amend the XXXX to reflect the correct IRS reporting year of XXXX. 

Respectfully I request Discover Financial Services amend the XXXX XXXX to reflect the appropriate XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was issued a new credit card by Wells Fargo Bank because they took over the XXXX XXXX  hotel card from XXXX XXXX. They refuse to allow me to enroll in their online account management program to pay my bill. They have an outdated phone number that is in their records and they refuse to correct it so I can receive their 2 step verification code. After an hour on the phone with customer service I sent an email to their investor relations dept because that is their only email contact They forwarded it to their credit card dept which has failed to respond

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 2022-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2023-03-07
Company: W&A Intermediate Co., LLC
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: Information belongs to someone else

Complaint:
Wakefield & Associates is reporting a balance of {$11000.00} on my credit report. XXXX is also reporting an inaccurate balance of {$680.00} This needs to be removed due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.

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 2023-05-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There has been a timeshare illegally reporting on my credit report ( EXPERIAN ) as an open/valid account. I've sent a FTC report to Experian as well but to no avail. This needs to not be reported on my credit report as i t does not belong to me. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.

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 2022-05-14
Company: Experian Information Solutions 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:
The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately, The cars were also auctioned off for sale by the finance company so the balance is also incorrect I have all factual documentation to backed this claim and if the bureaus do a complete and correct investigation instead of allowing these companies to tell them its correct and the investigation is complete, that is not accurate or acceptable I demand these car collections be removed from all three of my reports for XXXX XXXX XXXX  and XXXX XXXX XXXX  finance company

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 2020-08-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX years old I have lived in Florida Since my husband I came to the United States he was XXXX  XXXX XXXX stationed at XXXX XXXX XXXX XXXX in XXXX  I have lived here and worked here, I applied for XXXX  about 6-7 years ago and went through this company in XXXX Florida the man was a con, he stole my money and information he was arrested with the authorities in XXXX XXXX XXXX Florida. I had a police report, I since then threw it away. But I explained to these companies this is fraud, I sent them a notarized affidavit stating this, I stated to them I have no knowledge of these bills and never lived in the state of Georgia. I asked for original contract, proof such as ID, recordings etc, all they sent was a copy of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company continues to provide inaccurate information without providing validation of information. Company does not have my written consent to provide said inaccurate information to creditors. Please immediately provide complete credit report in compliance with 15 U.S.C.1681c-2,15U.S.C 1681 ( b ) ( 2 ), 15 U.S.C.1618 ( a ) ( 1 ), 15 U.S.C.1601, FCRA 604 ( C ), AND ALL APPLICABLE CREDIT LAWS.

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 2023-05-31
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
According to my credit report at the end of XXXX, I was authorized a credit card which, was not requested by me, I called the applicant bank and requested to close it. That card did not have any knowledge again, until I reviewed my credit report where it tells me that I have a debt of {$6000.00}. 

Said card had a limit of {$1500.00}. I contacted the company in this case Apple Card. and requested that they send me where these payments were made from that card since at no time did I make any payment corresponding to that card, and the payments said by apple were returned. my credit being affected, and being affected considerably, since the card was used 300 % of what was available to be able At no time did I receive any letter from Apple, no notification regarding a debt with them, or anything. According to the records in XX/XX/XXXX, they made multiple payments without success and are not registered under my name. 

In XX/XX/XXXX, they tried to make another payment of {$2100.00} for automatic payment, which I do not have any automatic payment or accounts registered with that entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Columbia Credits, Inc
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We owned a house : XXXX XXXX XXXX XXXX XXXX Oregon. In XX/XX/XXXX my wife signed a landlord agreement stating that the electric services from XXXX County would return to our name at tenant move out. 

In XX/XX/XXXX I had a XXXX XXXX which bankrupted us, we file for bankruptcy XX/XX/XXXX and was finalized XX/XX/XXXX- The house in question was surrendered to the XXXX  XXXX XXXX on that date by court order. Evidently the bank had a tenant there and upon their moveout the electricity went into my wifes ( XXXX ) name- XXXX XXXX XXXX did not change the utilities evidently- So the bill kept growing to {$150.00}. before shut off in XX/XX/XXXX a full 1.5 year after we did not own the home. We recd no notification this service was in our name nor delinquent. In fact we called everyone involved with our ownership and cancelled our service XX/XX/XXXX. 
Then we find deleterious credit information was posted on my wife 's credit report by Columbia Credit XXXX XXXX XXXX XXXX. XXXX XXXX, Or for over {$270.00}! I called them and explained we did not own the house in XX/XX/XXXX nor the landlords by definition, as you have to own the property before you can be a landlord. In addition XXXX court and sheriff department knew our address as the house was handled through them so very little effort was made to inform us on any issue. 
the facts we did not own the home after XX/XX/XXXX, we were never contacted, before posting deleterious and untrue responsibility to my wife 's report- we did contact XXXX county by phone informing them we lost the house- All they had to do was contact their own county office for our information or google my name it pops up first page with our XXXX XXXX, OR address

Company response to consumer: Untimely response
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-03-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A Victoria SecreXXXX Credit Card was reported stolen by perpetrator. This person called into Victoria 's Secret CC ( Comenity Bank ), changed my address, & email & had a card reissued to the address they provided once the card was physically received, they made purchases in person at Victoria 's Secret and their affiliate store, XXXX XXXX XXXX XXXX. According to VS FRAUD Dept, they were able to verify my DOB & last 4 of social in order to commit these fraudulent transactions. 

These transactions amounted to {$1600.00} ; they are 3 different transactions in the month of XX/XX/2023. I have opened a case today with Victoria 's Secret CC bank, Comenity ( no case # has been assigned yet ) & a police report with XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Date : XX/XX/2022 Amount : {$28.00} I tried to email PayPal and go to the message center but they just saying that i will wait for 180 days its too long and i watched XXXX review from bloggers that they also experienced that problem holding money by PayPal and then they wait but before 180 days payment got their money saying that its for the fee for the damage caused. i really need the money for emergency purpose thank you.

Company response to consumer: Closed with explanation