BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was instructed to get CareCredit in 2015 and I was supposed to have XXXX XXXX XXXX corrected. I was paying the card but the company charged me more money than services rendered. I was charged for XXXX, an XXXX, and XXXX  that were never delivered. I contacted the company and they refused to get back with me or refund the money to the credit card. This is illegal. They work they rendered was TERRIBLE and I  paid for it already. I reached out and no one will help me. Now I am being sued for the remainder of the money which I did not even use and they are charging interest. I have paid XXXX. I owe XXXX that I never used and they are suing for 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 monetary relief
Consumer complaint received 2022-12-22
Company: Account Liquidation Services Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call back to back XXXX XXXX XXXX XXXX XXXX XXXX asking for someone else. I told them that the person youre asking for I dont know and its not me. They ask for some woman. But they call over and over again all day. I have screen shots of the calls. 
They say they are from Welcome to Account Liquidation Services , Inc

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: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice to agent is notice to principle notice to principle is notice to agent. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative. 
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse. 
remarks XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence. 
of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then. 
you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: National Credit Adjusters, LLC
State: FL
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:
The company called XXXX XXXX c/o XXXX reported on my credit report that I was past due on a loan that I did not approve. This was reported on my XXXX  report on XX/XX/XXXXXX/XX/XXXX, with the loan amount past due being {$3800.00}. When I got the alert I called the company and after several hours I was able to get a customer service representative on the phone. I explained to her what was reported to the credit reporting agency and that I had no knowledge of this account and never requested a loan from this lender. She took my information and said her company would investigate this and get back to me as soon as possible. I never heard from anyone for 2 weeks. I called back and got the same answer. After another week, I called again and told them that I had been told for 3 weeks that someone would be investigating this account with no results and the agent again told me that they were still investigating my account and they would notify me when they came to a conclusion. After never hearing anything from the company, I disputed the account on my XXXX   report, but there were no changes made to this account. I have since not been able to get ahold of anyone higher than a customer service representative. When I ask to be transferred to a supervisor I am told to please hold and then the line disconnects. This has happened over 5 times. I have made many many attempts to contact this company as well as the credit bureaus with no luck whatsoever. After several months of trying to fix this issue, it was reported to XXXX  that the debt was sold to National Credit Adjusters LLC. I have since contacted them via the phone number and address listed on my credit report, with the same results as the last company. My last attempt to contact this company was on XX/XX/XXXX via phone and XX/XX/XXXX via mail with no further response. The account history reported shows 4 paid on time payments to this account, which of course were not made from my bank account- which I would have been able to dispute through my bank. When I also made this aware to the financing company as well as the debt purchasing company, they just told me that they would notate that in the file and let their supervisor know and get back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted to the credit bureaus to remove dispute messages off my report.

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 2021-03-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying too close a savings account with Citi bank but have not been able too get them too. I have screen shots of them saying they have done this request but it was never completed. In XXXX I had a notice that a deposit was made in my account that I did not make! I called them and advised that I didnt do this or authorize anything. They advised me they sent the deposit back and froze my account with all of my funds in it stating they would send a check. I never received a letter stating this had happened or any correspondence. I am on social security XXXX my checks are put into my Citi account. I requested my account too be updated too a new account however the funds have been put into my frozen account at Citi. This is all the income I have and I have tried several times too get through too Citi I get hung up on and placed on hold then hung up on or told they will call back! I have no access online yet get statements I can access due to frozen status. How long can they hold deposits from the government for? How do I get them to release the funds and close that account? I have tried everything except for going to a physical location with would be several hours from my home. I no longer can live like this what harm this has caused, after looking this bank up online its just theft! The amount of complaints just about the same as mine is criminal and this must be taken seriously. Thank you for your response ahead of time

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 2020-07-27
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a XXXX  of XXXX  XXXX XXXX. In the course of my study i have lived in XXXX apartment all my life. In the last year of my stay in the school, i signed a lease with them as usual. I realized i would be graduating in XX/XX/XXXX, so i decided to sign a 10 months lease starting from XX/XX/XXXX through XX/XX/XXXX. After XXXX, i moved out of the apartment since my lease expired XX/XX/XXXX which was my XXXX  date. 4 months later, i started getting calls from carter-young ( a collection agency company ) stating i am owing 2 month rent for XXXX and XXXX. 
This come as a surprise to me, and i sent a copy of the notification i received when i signed the lease to the collection agency. However, they refused to acknowledge the documents i sent to them. The document was sent to me by XXXX apartment and it states the start and ending of the lease in conjunction with how much am to be paying every month. 

Please help me look into this case as it has really affected my credit score. And they have really caused so much damages to me. I am willing to forward a copy of the electronic mail sent to me when i signed the lease if needed,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There were two attempts on XX/XX/2021, to debit my checking account for the amounts of {$320.00} and {$300.00}, to XXXX XXXX XXXX XXXX in XXXX Georgia. My bank is aware of the fraudulent transactions. This is the second attempt in that area to debit my checking account.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-04-08
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Unemployment made two deposits to me. It stated that my banking info was wrong ( it wasnt ) so the money was deposited on a way2go card. I never received a card and I can not get a live person to talk to at the way2go card. No number or option is available or email address. I need to get in touch with them for the state of Tennessee. I have contacted the unemployment office in XXXX but they can not help with the way2go card. I have contacted the bank that backs the way2go program and I was told they only provided the plastic for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: AMERICAN EXPRESS COMPANY
State: NY
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 had a company issued American Express Card with my former employer, XXXX. When I left employment in XX/XX/XXXX, pursuant to instructions I completed a final expense report in order and closed the American express account. Charges amounting to {$330.00} not incurred by me for a company rental vehicle were added to the account prior to American express closing the account. Despite notification to American Express on XX/XX/XXXX, and several notifications to my former employer I continue to receive bills from American Express. American Express acknowledges that the account is closed but continues to seek payment from me. I am not responsible for these charges and fearful of my credit being adversely affected. With the late penalties assessed by American Express the current balance now is {$420.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is my FOURTH time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to XXXX, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose.

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 2023-09-13
Company: FIRST FOUNDATION INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I was performing account reconciliations and noticed that two checks were XXXX checks out of sequence and for larger amounts. I immediately called the local branch we deal with and the branch manager told me I should have noticed it and called it in within 24 hours of the occurrence, that there was nothing they could do about it or were willing to do and he hung up on me. So we visited the other local branch and the branch manager there told us she was reporting it to their fraud department but it may take a REAAAAALLLLLY long time to resolve it. That is unacceptable, but we went ahead and reported it to them and to the sheriff 's department. We have also reported to the FDIC, Florida AG, California Division of Finance, and Florida and were told to report to you by them. It has been 6 weeks or so since we reported the occurrence and upon checking in with the bank today, they have still told us there is no news and will not let us speak to their fraud division. I do not know that they are even doing anything about it. I think they are liars and it is probably from within the bank. I think they need to be investigated. I have no notice that it has been submitted to their fraud department except her word and she won't let me speak to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: ALLY FINANCIAL INC.
State: MA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

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 2023-09-13
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
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:
Since XXXX, been trying to get the title to the tag office. Leased the car from American Car Center and company went bankrupt. Westlake Financial took over payments with no title. Car has never been registered bc of the title. Westlake won't give answers and won't come get the car. Westlake cut the car off and locked it, but we ca n't drive the car. Payments have been made on the car, but no communication on how to satisfy the situation has fallen on death ears to include our local tag office and the state office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed an IDTR report and told the bureaus of credit reporting to take down my loan with XXXX. They have not done so and now I have lost {$2000.00} in tradeline credit. XXXX XXXX  called me stating that an account is in delinquency status, so they dropped my tradeline amount. This is the fault of the CRAs because they did not remove the accounts I asked them to remove. THESE ARE NOT MY ACCOUNTS. I am going to sue if the account is not taken off my credit report.

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 2020-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Installment Loan Statement billing address change request is being ignored by Citizens One. 

It took months for Citizens One to address an error in the first billing address. They forgot to include the apartment number. 

When Citizens One made the apartment number correction I received my first installment loan statement and I returned the bottom portion with a checkmark in the box for address change request. I also completed the backside with the new address. 

Many requests for the address change was made to Citizens One. The last request was made via email on XX/XX/2020 at XXXX XXXX EDT. As of today no response to this email from Citizens One and I have not received an installment loan statement at the new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Atlanticus Services Corporation
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has been sending monthly payment of {$170.00} to XXXX XXXX credit and XXXX   has only been posting {$160.00} and trying to collect the {$10.00} saying it is past due. XXXX XXXX   has spoke to them and showed proof they are sending the correct amount. XXXX claims they are only recieving {$160.00}. I have contacted them about it multiple times they say it is the XXXX XXXX   company not them. I know for a fact it is XXXX because my other creditors do not have this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I made a letter to USAA with details on the scam I fell victim of on XX/XX/XXXX. {$93.00} was spent on " XXXX XXXX XXXX '' supposed device endorsed by XXXX XXXX. In detail I provided the original website to the supposed legitimate product and provided also a report from XXXX, a scam tracker website, of another individual who fell into the trap of the same scam and reported that XXXX reimbursed them without issue. USAA claims that I don't have enough sufficient information and therefore has closed the case despite there being room to exercise good faith on a common issue among consumers. The website link to the supposed product does not work anymore, which is reason to believe that it was a scam. 
Many people are falling for more scams as scammers are becoming more clever. I expected to be represented and given a lecture on scams but instead am being forced to pay on my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2023 and XX/XX/2023 I disputed unverified, unauthorized, and fraud related inquiries listed on my Transunion credit report. The inquiries are in violation of 15 USC 1681b permissible. I did not give permission for the following creditors to pull my credit report : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I have sent letters several times to Transunion to dispute the unauthorized inquiries and as of today XX/XX/2023, the unauthorized inquiries are still on my credit report.

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