BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: Lendmark Financial Services
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2019, I received a call on my cell phone from XXXX identified only as originating from " North Carolina ''. I greeted the caller, and a woman who identified herself as " XXXX '' explained that she was calling from Lendmark Financial Services because I was listed as a " reference '' for my cousin, XXXX. I told her I was happy to serve as a reference but I was in transit to work and perhaps she should call later. I said this in an effort to cut off the call because I had not spoke with my cousin XXXX in years. I thought to give myself an opportunity to reach out and check into the validity of the request. XXXX then says she has been having trouble reaching my cousin and perhaps I could tell XXXX to call her. The request seemed odd to me so I asked XXXX to call me back so she could leave a voice mail message with her contact information, that I would not answer, and that she could leave a detailed message so I could then forward it to my cousin. The voice mail message is attached. 

Using the number provided in XXXX 's voice mail message, I called and asked XXXX to give me her full name. She said " XXXX XXXX. '' I then asked if she was calling in regards to providing a " job reference. '' XXXX denied that it was a job reference and said instead that is in regards to my cousin 's account with Lendmark Financial. I asked her if she was using a ploy to contact my cousin about debt. She repeated the term " account ''. I asked to be transferred to her supervisor, who she identified as XXXX XXXX. I spoke with XXXX XXXX and he provided only the same information as XXXX - that I was listed as a " reference '' on an account. I learned later the same day that XXXX left a message to the same effect with my brother. That voice mail message is attached. 

The next day, XX/XX/2019, I had an opportunity to communicate with my cousin. She said that she never provided Lendmark Financial with my name or my brother 's name, much less our personal cell phone numbers. 

I called Mr. XXXX for points of clarification the same day, XX/XX/2019. He said that my cousin provided my name not as a reference but as a contact person to call should XXXX XXXX have difficulty reaching my cousin. When I asked for a copy of the document providing my contact information as provided by my cousin, he said he could no longer speak with me and that I should contact his " home office. '' Mr. XXXX did not seem confident when telling me exactly who in his home office I should contact. I asked if I could speak with XXXX XXXX, the person who initially called me to ask where or how she received my personal cell phone number. Mr. XXXX replied that I should contact the home office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been banking with Citibank for the last 3 months. I am on a fixed income and have my benefits direct deposited into my account. When I signed up, I had just applied for the regular access account. After being with them a few months, I upgraded my account to Citi XXXX account. I've never had any issues with my account. I made a mobile deposit around the XX/XX/XXXX. I went to check my account the following morning, it was blocked. I reached out to the bank and to find out the my account has blocked and needed to speak to someone in the Fraud department. This conversation which lasted 2 hours and 45 min with no resolution. I had spoken with the 4 people in this department and they stated that the funds would be sent back to XXXX. As of XX/XX/2021 Citibank still has my funds. I have not been able to pay any of my bills. The only resolution they are giving me is they will mail a check within 15-60 days or I can go into a branch to receive my funds. I currently reside in TN and the nearest branch is in IL or FL.

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 2021-06-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a purchase from GAP more than 2 years ago. They asked me to do a membership to get a discount and to pay anything online. 
there were a third part which is synchrony bank I missed to the payment on time as I moved from my place A month ago, exactly on XX/XX/XXXX, I called the bank to do my payment, they switch me to the collection and I talk with some of it's representative The original payment was {$200.00} I paid around {$400.00} before and that day they said I have to pay after a deal around {$450.00} I scheduled the payment in 6 months, XXXX each month I did my first payment on XX/XX/XXXX 3 days later, I called the collection to do the remaining 5 payment at once and close my case. 
I did them and I asked the representative if I have any other payments in the future and he said never I called them after that day 2 times to confirm my payments and they said that I will get a report after 21 days from my last payment to confirm that After a month and exactly on Last XX/XX/XXXX, I found there is a XXXX was withdrawn from my acc I called the customer They said it's a mistake And they will refund me within 21days And the report will be after 21 days My credit score affected as I should show complete payment and it still not shown Also they withdraw a money over than the payment I should not wait 21 days to get my money plus I am not guaranteed that this will not happen in the future

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 2021-08-20
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:
I noticed inaccurate information about 3 bankruptcies on my report ( US BKPT CT GA XXXX, Account : XXXX, US BKPT CT GA XXXX, Account:XXXX, US BKPT CT GA XXXX, Account : XXXX  ). I inquired about the bankruptcies showing and they responded stating the courthouse provided the information.I contacted the courts and they stated that did not place the inaccurate information on my report. I have sent several letters including the letter from the courthouse they requested to show court house response to have them remove the unverified bankruptcies. They have been have ignoring my letters violating my consumer rights.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
On XX/XX/XXXX I called XXXX and Experian to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.

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 2020-01-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
American Express asked for a settlement and stated that they would remove the debt from my account if I paid a certain amount ... when I called after paying they said there was nothing they could do ... They mislead me and started over the ages account which was over 7 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
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:
In Accordance with the Fair Credit Reporting Act, Convergent 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 an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

XXXX. ( XXXX XXXX Bank ) Address-XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX  ADDRESS- po box XXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX  CARD XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX FXXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # 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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 2021-02-05
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX XXXX XXXX called multiple relatives and myself in different states claiming to be with each state/county judicial services and leaving messages a warrant would be issued for me if I didnt respond to be served papers. No explanation what for. After contacting XXXX number to be removed and have relatives info removed they refused and refused address for company called XXXX XXXX XXXX. Still insisted the calls are from the courts. This is probably for an old auto loan that had been transferred to Santander in XXXX. These voicemails have been saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: CT
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:
Comenity Bank and Bread Financial website has been down for over a week and I can't access my account online. I tried calling the Customer service number listed on the back of the card XXXX XXXX XXXX and that line doesn't work

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXXXXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT XXXX XXXX  ACCOUNT NAME : XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX The above said accounts, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-09-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I informed Truist bank that in late XX/XX/2023, My debit cards was left at the XXXX XXXX while I was flying out of the state to XXXX, XXXX. I was out of town for a week with my book bag being left at the airport. My bag included my social security card, my pin card, computer, and phone. I believed originally that my bag was left at the airport, but when I returned a week later to the lost and found, I found numerous charges on my personal and business debit cards. I contacted Truist multiple times to dispute the issue and open claims. I contacted Truist, but Truist has continued to decline my claims without any evidence or further resolution of my dispute even though these charges were done fraudulently. While my personal card and business cards were both stolen and used at the same time in the same manner, Truist approved and properly addressed my personal debit card claim, but refused my business claim. Again, all these transactions on the personal and business claim occurred at the same time. They had duplicate transactions on both accounts, and were done the same day at the same locations. This makes no sense whatsoever that one claim would be approved and the other denied. 

Business Name : XXXX XXXX  Truist businesss -claim # XXXX Business Checking account Number : XXXX Personal Name : XXXX XXXX Personal - Claim XXXX Personal Checking account Number : 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 explanation
Consumer complaint received 2023-05-05
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Fraud Department, I am the victim of identity theft. Someone used my personal information including my name and Social Security number to open an account with XXXX XXXX XXXX. This account was sent to LVNV Funding/Resurgent for collections. I am working with XXXX XXXX XXXX  to resolve this issue. Once I was made aware of the fraudulent account, wedisputed the account with LVNV Funding. I was asked to send a copy of my fraud affidavit and drivers license to them for review. These documents were sent to them on XX/XX/. Included in the documents was a written request for all documentation related to the case. I have not received those documents as required by law. 

My XXXX XXXX XXXX agent spoke with LVNV Funding on XX/XX/2023 and was advised that since there was a court ruling in the situation, they would not be marking the account as fraudulent. 
The court ruled against me because I was not aware of the account and did not have the opportunity to defend myself and explain that the account was the result of identity theft. 

I would like to reiterate the following points : * I did NOT open this account, and was not aware of its existence. 
* I did NOT receive notification of the account, the collection activity, or the court case until recently. 
* I have NOT received the documentation related to the account that I am legally entitled to. 


Please see the attached copy of the fraud affidavit filed with the FTC and a copy of the police report filed regarding this situation. 

Resolution : Please review the attached documents and mark the account as fraudulent. 
Please let me know if you have any additional questions or concerns. 

I can be reached directly via phone or email .... ( include details ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Several withdrawals were made from this Wells Fargo HELOQ account after I had requested that the account be closed, while it was still with XXXX XXXX. I must be able to prove the withdrawals from this account to the court in order to present my case for fraud and embezzlement, as the funds were withdrawn without my knowledge or permission. This loan is entering a repayment phase, I need proof of all withdrawals to prove the current balance of {$100000.00}.

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 2023-08-25
Company: Associated Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was wrongfully a victim of identity theft had a bill put in my name by someone trying to be me I told them it wasnt mine an they said well we cant do anything about it because they use your name and Social Security number at the time I was sleeping on the floor at my husbands grandmothers house, so I was very confused because I only lived in XXXX XXXX in XXXX XXXX at the time I got sent this I contacted them and they told me If you dont pay it, were gon na destroy your credit. They said was they had your Social Security number and your name they cant do anything about it. And when I contacted them, they said it was for an address of a home ( house in XXXX area ) which Ive never lived in that area .I even told them that it was a legit home that I couldnt afford a home that Ive been renting or sleeping on familys floors they didnt seem to care I contacted them recently, asking for advice because they took my new address and slapped it on that bill like it was my debt to a place Ive never lived at I confronted them. They didnt give me no answers. I try to resolve this and they asked what my current address so they can send me updates about the dispute and then they end up sending me the current bill with my current address on it. This is on XXXX and to be honest. This is my worst experience ever.

Company response to consumer: Closed with explanation