BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have made several attempts to close my account with citi/bestbuy credit card, after I have discovered that the card was used without my knowledge. I have reported the unauthorized transaction to their fraud department, but they refuse to remove the charges. I have spoken with several people in the credit card company, and still its not being resolved. I'm still being charged for something that I didn't use, sense last year. I have recently spoke with XXXX from the fraud department, who had refused to give me the direct number to the fraud department, and XXXX in security. This has been an ongoing situation for weeks with no good results

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 2019-01-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I filed a complaint Case # XXXX and the claim was closed before i received my credit report. XXXX is still reporting incorrectly to XXXX XXXX and possibly Equifax. 


At the end of XX/XX/XXXX I contacted XXXX XXXX via phone and in the process the customer service rep asked me to verify personal information. I was asked to verify my birthdate and when I replied XX/XX/XXXX the rep refused to continue the call because I did not answer correctly. I called back and spoke with a different rep and was informed that there were multiple ways to verify a customer account and the birthdate didnt need to be verified to continue discussing the account. At that point I was concerned I had this account since XXXX Shortly after XX/XX/XXXX I received a letter notifying me that the Mortgage Origination Date was corrected on XXXX for tax year XXXX and I would receive a copy via mail. I immediately called XXXX and spoke with XXXX XXXX and she informed me that my case XXXX was being handled by XXXX XXXX and gave me his direct contact number XXXX XXXX XXXX which did not work. While on the phone with XXXX I checked my credit report for all 3 credit bureaus and discovered that XXXX  did not have XXXX XXXX  reported at all only XXXX XXXX. I refinanced and had a first loan with XXXX XXXX and a second line of equity with XXXX XXXX  in XXXX. I refinanced the first loan with XXXX XXXX  in XXXX and the loan was paid off but I still had the second loan with XXXX XXXX. XXXX had no record of XXXX XXXX which explained why my credit score was 30 points lower than XXXX  and Equifax. I immediately initiated a dispute with XXXX and they responded swiftly XXXX XXXX XXXX stating there is nothing they could do because the account never appeared on the report. I then submitted another complaint disputing XXXX XXXX  instead of XXXX XXXX  after speaking with a manager at XXXX to get XXXX to respond so they could discover the error with my XXXX XXXX. XXXX  responded XXXX XXXX XXXX to the second dispute and I still had not heard from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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:
I was financed with the company back in XXXX due to some financial issues. I had to voluntarily give up the vehicle. A year later estimated was XXXX of XXXX. Since then the company has reported my account as opened when this account has already been. Closed due to the repossession. They are charging me every month as if I have vehicle and as if I am past due Since giving up the car. They tell me the they don't have possession of the vehicle which I have spoken to the repo company and the loan company to voluntarily give up this vehicle. They are reporting to the credit bureau every month as a late payment over twenty four months are showing late since the repo. They are claiming they never picked up the vehicle and don't have the vehicle. I have tried reaching out to find a resolution and can not get them to fix it. My credit is being affected the balance is showing over 28 thousand dollars and keeps growing they keep reporting the payment late every month this should have been closed and reported as a repo.

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 2016-05-04
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account is for XXXX XXXX account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is XXXX years old. I hired an attorney for this. A certified mail letter was sent to XXXX XXXX asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. XXXX XXXX failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, XXXX XXXX continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called XXXX XXXX, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to XXXX XXXX. For 3 days I have spent XXXX hours a day on the phone with XXXX XXXX and no one can help me clear this up. I can not even find a representative of XXXX XXXX who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In acct # XXXX, this acct is isolated from the outside minus a few specific types of secured transactions ... edi, ach ... etc and I used this acct to be the holding spot for transfers to places like XXXX. 

On XX/XX/XXXX I was debited {$6.00} & {$74.00} for products I ordered from XXXX, but never recieved.. XXXX claims the products were delivered to the hotel, however, I never recieved them and believe this to be of a greater malfeasance effort by the hotel 's deceptive practices and the less than adequate & properly screened employees. 
These transaction must be disputed as product not received, given XXXX fails to provide a manner to internally dispute this on their platform.. 

Additioanlly, On XX/XX/XXXX a XXXX ( XXXX ) purchase was made of {$230.00} -However, I was declined service, yet they kept my $ XXXX This transaction must be disputed as a bait & switch matter where they rejected my stay due to having service animals and the employees failed to internally document this matter.. I was held accountable for their employee negligence?? XXXX XXXX as a merchant policy accepts money and then calls police to remove customers from their property without refunding the money paid for the product/service. This charge must be disputed and charged back to merchant. 

Lastly, this is the merchant transaction that began this whole entire mess and is the focus of discussion with Counsel for next steps with the merchant ... On XX/XX/XXXX XXXX XXXX debit of {$430.00}. This debit was not the agreed terms nor the agreed rate and due to my complaint for this transaction ; I was forcibly removed from the property and I suffered from loss of property totalling into the {$500.00} range, The merchant policy to conduct themselves in deceptive and dishonest practices and then weaponize the police to complete their dirty dealings is abhorrent. Furthermore, debits on XXXX & XXXX for {$100.00} were unauthorized and among the others, must be disputed.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2016-07-22
Company: BOK FINANCIAL CORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a loan with Bank of Oklahoma for a Jeep. I soon after had a few life events, my mother passing, moved and loss of income. I notified the bank of this and they were willing to work with me on the loan. I came within XXXX payment of paying off the loan and then they repossessed my vehicle after I paid off the payment. Payment was sent through XXXX XXXX as I always sent it but, they said they did not receive it. It was repossessed after payment made and it caused me a lot of extra fees to get my vehicle back. I paid the fees got the vehicle back but then they kept reporting it as a repossession when it was paid and they repossessed it unfairly. After all the fees they tacked on it now shows as a repossession on my credit filr and they are not willing to work to show what happened. Is it even legal for them to repossess after the payment was made. What can I do to have it reported fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by creditors and the significant adverse impact it has had on my life. I kindly request your intervention to enforce my legal rights and seek the removal of unverified accounts from my credit report. 

Violations of the FCRA : Unauthorized Credit Inquiry by XXXX  : Section 604 ( a ) ( 3 ) ( B ) of the FCRA On XX/XX/XXXX, XXXX  conducted an unauthorized credit inquiry without my consent, violating Section 604 ( a ) ( 3 ) ( B ) of the FCRA. This unauthorized inquiry has had a lasting impact on my financial well-being. 
Personal Impact : Allow me to share the emotional toll these violations have taken on my life. The unauthorized inquiry by XXXX has been nothing short of devastating. I vividly remember that day as a turning point in my life. I had been diligently working to rebuild my credit and secure a brighter financial future for my family. That credit inquiry not only shook my financial stability but also took a toll on my mental and emotional well-being. 

In the wake of this unauthorized inquiry, my credit score plummeted, and I found it increasingly challenging to secure favorable terms for loans, mortgages, and even credit cards. It has caused undue stress and anxiety, affecting my sleep and overall quality of life. The dreams I had for my family, such as buying a home or financing my children 's education, have become distant and unattainable goals. 

Request for Resolution : I am kindly requesting the following actions : Enforcement of my legal rights under the FCRA against XXXX for the unauthorized credit inquiry. 
Immediate removal of the unauthorized inquiry and any associated negative marks from my credit report. 
I implore the CFPB to use its authority to ensure that creditors comply with the FCRA and respect consumers ' rights. The impact of these violations extends beyond mere financial inconvenience ; it has profoundly affected my life and my family 's future. 

I am ready and willing to provide any additional information or documentation required to support my case. I kindly request a thorough investigation and a timely resolution of this matter. 

Thank you for your attention to this serious issue. I look forward to a swift and just resolution that will help me regain control of my financial future and peace of mind. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I paid my lease off early through Chrysler Capital. They sent me a statement in the mail with any outstanding balances. The only thing that showed a balance was a negatively amount ( overpayment ) of sales and usage tax. At the bottom of the statement, it states that any negative amounts will be credited back to you. I called them and they refused to give me a refund, although the statement clearly states that. After several calls and speaking with management, I have not received a solution. I have been told that it is incorrect and a " computer-generated document. '' I do n't feel that should matter ; if you send me something stating that I overpaid, I expect a refund. Their customer service staff and managers are nothing but rude and combative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A representative from Santandar left a voice message on my phone asking for a call back. The voicemail left detailed customer information. I called to ask that my number be removed from the account because I had no affiliation with the customer or the loan. The Santandar representative ( female /last name XXXX ) refused to do so. I 've never been affiliated with the loan or customers, and believed it was a reasonable request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: G. Reynolds Sims & Associates, P. C.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or about XX/XX/2012 G.Reynolds Sims & associates P.C. filed a complaint against this consumer in the name of XXXX , XXXX in the XXXX district court of Michigan. 
G.Reynolds Sims & associates P.C., attached to their complaint, an affidavit sworn to by a lawyer from their firm and endorsed by a woman without an active notary commission with the State of Michigan. 
Michigan law prohibits lawyers or lawyers from a firm from acting as witnesses in cases they're litigating on behalf of clients. 
Michigan law further prohibits unauthorized use of a notary. 
This consumer is not certain whether it was actually XXXX XXXX XXXX that unlawfully notarized the affidavit or if G Reynolds Sims & associates P.C. unlawfully used her name unbeknownst to her. 

Nothing in the record at the XXXX district court of Michigan indicates that the plaintiff ever appeared in an adversarial process, YET THE DEBT COLLECTION ACTIVITIES CONTINUE TO THIS DAY. 

A collateral complaint has also been filed with the State of Michigan Office of the Great Seal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Security Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SECURITY CREDIT SERVICE account with a balance of {$310.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and XXXX XXXX XXXX saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: VALLEY NATIONAL BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car out of state on XX/XX/XXXX and financed it with Valley Bank. I paid off the loan on XX/XX/XXXX. Since then, I have not received an acknowledgement of the payoff, nor a release of lien. I have attempted to contact Valley Bank numerous times about this issue. Each time, it takes between 4 and 8 hours to be connected with an operator and the operator never can get in touch with the load department. The operators claim they submit tickets on this issue, but I have not received any further communication from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: MO
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:
I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the charge off and late/closed accounts still on my credit file which are appeared as late, the fact is, I've been paid it already. I dont even know why there's a charge off account in my credit file. I have carefully reviewed my credit report from your agency and have identified errors that I believe require immediate removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have carefully made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these charge off and late/closed accounts should be removed in my credit file immediately : 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