BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX our CitiCard was charged {$3300.00} related to XXXX XXXX XXXX XXXX, apparently a nonprofit in California. I called Citi and was instructed to call the vendor to see if they would refund the amount and was also referred to the Fraud department. I called the number on the charge and there was no answer. I looked up the entity online and called the number noted and got the owner. He denied ever seeing that charge and they dont process charge cards. His address and number differs from that on the charge. I related this to the fraud department but they said they didnt need it and would handle it. They charge was temporarily removed. I received two messages from them on XXXX and XX/XX/XXXX that said the investigation was in progress and they would reach out if they needed further information. Today, XX/XX/XXXX, I received a letter stating that the investigation was closed because I had not responded to a request for further information but I never received a request for more information. The charge has been reposted on my account. My wife and I have never donated to this vendor and he denied having any donations of that size. This is clearly fraud. I called but they were unhelpful since the fraud department isnt open on Saturday.

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 2020-01-30
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had this CITI Bank for 5 years with no past due payments. Last month I got a call that I was past due. I advised that I had not received a bill and found out they were now using electronic billing which I do not use. I advised to send me a paper bill and I would pay it. I received a bill and paid the amount due {$320.00} but not the late fees and penalties. I have called twice refusing the penalties. CITI advises there is nothing they can do but send it to collection. I suggested it go to arbitration but they declined. 
At this point they want {$72.00} to stop the harassment which I refuse. 
Any help would be appreciated.

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 2023-07-30
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIRSTSOURCE ADVANTAGE LLC They spelled my name as XXXX XXXX ( means dead person ) the STRAWMAN. I Sent them ucc codes for the bill which is a check. I asked for a confirmation of debt. The only only only legal confirmation of debt is wet signatures. This company said my debt was confirmed. I asked by who, what company, name of person, title and how was it confirmed by which method. As of today the question still is not answered. These credit card companies write the debt off XXXX percent and then they sell it and get paid again. Am I lost this is double billing. More fraud. The privacy act of XXXX states I must give my authorization or permission to publish my personal information and I did not. I sent a affadavid of all debts are prepaid. This fake credit swap needs to be zeroed out. What you call a bill is really a check. I am willing to go to court and represent myself. If a lawyer represents me it means I am a dead person. I am going to file a XXXX tax form as a whistle blower. You are all billing the bond and saying please send check or money order. You then cash the volcher and my second payment. This is double billing and illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any communication from Midwest Recovery System, and they put a collection on my credit report. They told me that they received the collection on XX/XX/2020, and it was placed on my credit report XX/XX/2020. That is 9 DAYS LATER. Again, I DID NOT receive notification from them AT ALL, and you are supposed to have AT LEAST 30 days to get in touch with the client, verify, etc. Once I saw that this was reported to my credit report, I called the company, and they told me that they don't reach out to clients, and that they could not send me notification until I contacted them. How am I supposed to contact them if I never knew I had a collection until it hit my credit? They were supposed to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-01-30
Company: RAS LaVrar, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a mailer from local attorney 's advising me that a suit had been filed against me in XXXX XXXX County by XXXX XXXX. After searching the county database I found the court record that on XX/XX/XXXX RAS LaVrar Law Firm had filed suit on behalf of XXXX XXXX  ( complaint not available for view ). 

I have not received proper notice prior to the suit to request a validation of the debt. I believe the suit is meant to be an INTIMIDATION tactic and is an EXAMPLE of a PATTERN of ABUSE of the legal system practiced by this collection agency. I am unaware of any debt owed to XXXX XXXX  - I am unaware of any certified correspondence sent to my home or business validating the debt. 

CASE NUMBER : XXXX CASE STYLE : XXXX XXXX  XXXX, XXXX. XXXX XXXX, XXXX After speaking with on XX/XX/XXXX they stated that they did not show a lawsuit in their system. They claim a validation letter had been sent about the debt. 

This pattern of abuse of the legal system should be considered a violation of the FDCPA Sec. 808 ( unfair practices ). This firm has a long history of misrepresenting balances, validation and filed complaints by consumers. 

This agency needs to be sanctioned and fined if NOT sued by a class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: GOLDMAN SACHS BANK USA
State: NH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a credit card with goldman sachs/apple . I have had difficulties paying the card since having only XXXX payments. I requested them to work with my debt management company and they refused. I have called several times and also sent a letter to them asking if they would reduce interest and setup a payment plan with me directly. They have refused to work with me in any way and continue to only make the payment higher and more impossible for me to catch up on and have made the regular monthly payment besides the back payment unfairly high. I called today XX/XX/18 and asked if there was any way I could resume monthly payments as they were and they said that the regular monthly payment besides the back monthly payment was now more than $ XXXX which previously was $ XXXX. So even if I paid the back payments I would now have to pay a $ XXXX monthly payment which they know is impossible for me to pay and also seems to be abusive of the collections system. I have tried very hard to do everything in my power to work with them and they have no desire to work with me and are now on top of that preventing me from being able to ever catch up on any payments. This will drive me into bankruptcy only due to this one card. They also said they will not send it to collections and so there is no way for me to negotiate or create any sort of payment plan ever as Im told they only do in house collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/23 I had two bogus charges made on my Visa account with Wells Fargo. After numerous complaints, they will not refund the larger of these of XXXX. This makes no sense, as I have a good amount in both savings and checking with them. I pay all my bills before they are due, and have a credit rating in the XXXX + range. This charge was made in another state, which I have not been to. Case id # XXXX. I have contacted them by both mail and phone on this matter.

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 2023-05-24
Company: Stellantis Financial Services US Corp.
State: TX
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:
I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. 
But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted

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 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a business account with capital one bank and recently my debit card was lost and someone made a lot of unauthorized purchases using that lost card, I have contacted my local police station to inform this matter and they are willing to cooperate with capital one bank to find the person who made these unauthorized transactions using my business debit card. I informed the bank right away when I found about these unauthorized transactions in my account and filed a dispute. But the bank has denied the dispute claim and is not refunding the money back to my account. Now I am in need of these funds to pay my bills, and bank is not cooperating with me to get my funds bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
While reviewing my XXXX card account online on XX/XX/, a promotion popped up promising a {$10.00} reward for enrolling in XXXX XXXX. I enrolled that day. The promotion specified that the reward would post within 30 days of enrolling. I am attaching the promotion as well as the screenshots evidencing my enrollment. 34 days have passed, but Capital One still has not posted the reward. I satisfied all the promotion 's requirements, but Capital One has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed account U.S Bankruptcy Court Ref # XXXX XXXX XXXX XXXX PENNSYLVANIA with Transunion at XXXX XXXX XXXX, XXXX XXXX, PA XXXX or XXXX XXXX XXXX, XXXX, PA XXXX I have Disputed this item 4 or more times with Transunion. I mailed a dispute letter on XX/XX/XXXX and transunion recieved it on XX/XX/XXXX. Transunion never responded and claimed they never recieved it already violating my rights as a consumer according to the FCRA, please see tracking below on the attached XXXX receipt with the address oXXXX XXXX XXXX XXXX XXXX, PA XXXX. I then called since the letter did not work to file a dispute on XX/XX/XXXX with a verified response on XX/XX/XXXX but they could not have verified the information or did any real research because XXXX XXXX no longer reports that account. I spoke to three separate supervisors and made another dispute with all three of them. The most recent being XX/XX/XXXX with another verified response. 

I tried to call Transunion with XXXX XXXX on a three way call and they said thety could not speak to XXXX XXXX. XXXX XXXX would have confirmed that they should remove the account. They are claiming XXXX XXXX verified it as accurate however XXXX XXXX has confirmed verbally and in writing that there is no public record on my file. See proof of attached XXXX XXXX report summary showing a deleted bankruptcy account. XXXX XXXX also submitted two disputes with Transunion directly with no response or change in the reporting. 

I also provided proof from XXXX  and XXXX  showing that they are no longer reporting the inaccurate account regarding this record. Pleas See the attached Reports. 

I also Provided a police report after experiencing this incident once I learned my rights as a consumer under the FCRA.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-08-13
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Shellpoint Partners, LLC
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:
SHELLPOINT MORTGAGE ADDED INACCURATE AND FALSE COMMENTS IN THE REMARKS SECTION OF MY CREDIT REPORT.

PLEASE REMOVE THE COMMENT " FORECLOSURE INITIATED '' BECAUSE ITS FALSE.

FORECLOSURE WAS NOT INITIATED BY SHELLPOINT MORTGAGE. I SOLD MY HOUSE AFTER XXXX   DIAG AND NUMEROUS TREATMENTS TO PAY DOCTOR BILLS.

MY HOME WAS NOT FORECLOSED OR INITIATED.

THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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 XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-12-20
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 XXXX  XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation