BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted XXXX to process an dispute few times on my behalf about in corrected in -formation reported in my credit report and always get they same result wish is reporting CO from XX/XX/XXXX thru XX/XX/XXXX and also is showing 30,60.90 days late in XX/XX/XXXX all this information is in-corrected. 
I filed bankruptcy chapter XXXX on XX/XX/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 2021-09-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services is a third party debt collector, that was contracted by XXXX XXXX XXXX to collect an alleged debt. This is a violation pursuant of 15 USC 1692a. My permission was not given. I went into a consumer transaction with XXXX XXXX XXXX on XX/XX/2021. I received a debt collection letter in the mail from Credit Collection Services, stating that it was an attempt to collect a debt. This is a violation pursuant to 15 USC 1692b.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notified that I had debt in collections with this company. I was unaware that I had collections accounts open through XXXX XXXX XXXX until I was trying to purchase a vehicle on XX/XX/2018 and XX/XX/2018, and was repeatedly turned down for financing due to a poor credit score. Only then did I learn that there are 7 collections accounts open in my name from this company, totaling a crippling amount of {$73000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 Equifax XXXX XXXX by XXXX XXXX XXXX did an Hard Inquiry on my credit report. They never informed me that they where going to pull credit. XXXX had just started conversation about rates and terms when all of sudden they must have pulled my credit report without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This third party, off brand reporting company called Lexis Nexis consumer center is in violation of interfering with disputed/investigation of reporting. During the investigation process it was determined removal of sabotaged tampered with accounts due to bankruptcy debt buying and resold debt, this Lexis Nexis company unlawfully and unfairly has the removed accounts resubmitted onto the credit report after they were to be removed. This company has never ever reported to my credit report and will NOT start now. I have become a victim of the worst kind of credit reporting and the company will face charges along with all other agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: WELLS FARGO & COMPANY
State: MD
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:
Please see attached correspondence. I am being held responsible for over {$12000.00} in charges made without my authorization. The fraudulent charges were made over two weeks in XX/XX/2017, a holiday period during which the risk of fraud is known to be high. The total charged fraudulently during this two week period was almost double the highest monthly charges to the account in two years and nearly four times the average monthly balance for 2017. As set forth in the attachments to this complaint, in type, volume, amount, pattern and type of merchant, the charges clearly and obviously were unusual and suspicious as compared to prior account activity. I learned of the identity theft only after my Wells Fargo VISA credit card was declined for a modest purchase at a grocery store and I promptly called Wells Fargo customer service. It was only on my initiative in calling and in checking my account on-line while speaking with customer service personnel that the fraud was identified. Contrary to every telephone conversation about the matter with representatives of Wells Fargo, during which I was assured that I would not be held responsible for the unauthorized charges, I now understand that Wells Fargo is holding me liable without supporting evidence and without advising me of any recourse or rights that I might have. The Wells Fargo correspondence states only that Wells Fargo found no fraud occurred [ s ] ince your card was in your possession. ( See correspondence attached. ) Insofar as Wells Fargo has acknowledged the fact that the card was in my possession, and insofar as the Federal Reserve Board guidance states that the cardholder is not liable when the card itself is not presented, I may not be held liable for the unauthorized charges. See 12 C.F.R. 226.12 ( b ), Federal Reserve Board Official Staff Interpretation. 
Without explanation, without notifying me of my right to appeal and without providing upon my request any justification for the conclusion, Wells Fargo determined that no fraud occurred or that the transactions were authorized. Wells Fargo thus inappropriately is holding me liable for the unauthorized charges.

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 2017-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Im writing about the interest charged on XXXX. Ive contacted the Company several times asking them to waive the interest fee of {$68.00}, as it is the first time Ive ever not made the full statement balance payment. Every time they say they cant. That there is n't an 'offer ' on my account. Not sure what the big deal is. Ive been a very good customer. 
Id like it waived in part because as I explained ; this month, Id have to move money around to pay the minimum balance, which has gone up to {$100.00} for some reason not explained to me. Usually it is {$25.00}. 
Oh and while Im at it. I asked them to change the due date, which I see has not been changed. I talked with XXXX about that, via the Company 's online chat and he said he was making it happen, changing it to the XXXX I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a credit card taken out under my name and the debt was charged off by the creditor. i put a dispute for this debt on my credit report several years ago and officially responded several times to the collection company that the debt is not mine. I asked several times for proof with an application and statements that this debt is mine and they have refused to provide this to me.They continue to harass me an are trying to take me to court for this. I have taken all of the necessary steps to let this collection company know that this debt is not mine and they are still harassing me. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: TX
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 contacted Experian several times as well as submitted a police report & FTC identity report stating the following account is not mine & I never signed or gave permission for these companies to open any account in my name for XXXX. I am requesting that these account be removed and blocked from my credit report for XXXX , XXXX account XXXX, U S DEPT OF ED/XXXX/XXXX account XXXX, U S DEPT OF ED/XXXX/XXXX account XXXX. There is also an inquiry for XXXX/XXXX on XX/XX/2019 that I did not do. Please remove these accounts for XXXX, XXXX, U S DEPT OF ED/XXXX/XXXX both accounts and the inquiry for XXXX/XXXX. I have a fraud alert on my report to prevent this from happening again.

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 2017-11-20
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied to CitiMortgage for a loan modification. My loan is an adjustable that was interest only and the home is underwater. The reset and fully amortized payment is more than double the present payment. I applied for a modification with CitiMortgage and was granted a trial period plan with a payment 50 % higher than the present payment. In the Trial Period Plan Notice on page 5 it states the calculation of the new monthly payment is based on 31 % of my earnings but it is over 40 %. When I called CitiMortgage after I received the Trial Period Plan Notice on XX/XX/XXXX I talked to my account specialist XXXX and he said he would escalate to the Executive Response Team and they would contact me and on XX/XX/XXXX XXXX XXXX from CitiMortgage contacted me. When I related to him that the math did n't add up he said they do n't make any changes and I would have to reapply. He said he would email the modification application that day. I never received it. On XX/XX/XXXX I emailed and requested again-no reply. I scheduled a phone call with XXXX XXXX on XXXX XXXX and he said he would email me the package. I did finally received the email and on XX/XX/XXXX I emailed back all the requested items. I had not heard back and I grew concerned and I began emailing XXXX XXXX for status. No reply. I scheduled a call with another person from the Executive Reposnse Team and I was a ssigned to XXXX XXXX who explained that XXXX XXXX was having trouble with his emails-4 weeks? - and this file was now assigned to her. She said that nothing was done on my application that was submitted on XX/XX/XXXX. It was received but XXXX XXXX did not submit it. XXXX XXXX was not encouraging but I requested that my application be looked at-this is n't right. I 'm getting the runaround. Everything that has been requested from me has been delivered on time. XXXX XXXX sent me via email another application for a modification on XX/XX/XXXX. I sent it back immediately to XXXX XXXX and to the CitiMortgage website and to CitiMortgage email address. I emailed XXXX XXXX for a confirmation of recipt of my email but have received no reply. I am concerned that my application is not being reviewed.

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 2017-11-20
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via Experian. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting XXXX. When will you do something about this?

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 2017-11-20
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via XXXX. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting screwed. When will you do something about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX Bill that was previously disputed and removed from my credit report has appeared on my credit report again however I was never notified by the new collection agency, Enhanced Recovery Collections, and they have already placed this on my credit report. I am buying a home in 30 days and this account has already been proven as invalid. I never received any communication from them about this debt. The prior agency notified me through the USPS about the debt which is how I was even aware of the debt to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I Filed a complaint # XXXX on BRIDGECREST ACCEPTANCE CORPORATION on XX/XX/XXXX, my complaint was with how they are closing the account. BRIDGECREST ACCEPTANCE CORPORATION responded on XX/XX/XXXX and the complaint was closed, however XXXX still did not file the GAP insurrance. They claim that the total amount was not received, the amount was short by {$4.00} and the GAP could not be filed until the total amount was paid. They received the amount on XX/XX/XXXX, then on XX/XX/XXXX the differance of {$4.00} was posted to my account and still waiting for the GAP to close. XXXX lack of attention with my account is due to me no longer wanting to use thier company financing. thier interst rates is too high and they was not truthful in how interest was accumulated. this was not a simple interest loan. they will receive 3 times the amout of the vehicles worth. My vehicle was involve in an accident on XX/XX/XXXX and as of XX/XX/XXXX i am still without a vehicle.

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 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 had numerous issues with Transunion not reporting my correct balances on my credit accounts. The most recent is an XXXX XXXX account from XXXX XXXX. My Balance is XXXX and Transunion reported {$56.00}. I have complained previously about TransUnion not reporting correct account balances. Additionally, they recently deleted an open XXXX XXXX account in good standing and without my consent from 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
Consumer complaint received 2021-08-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A fraudulent credit card account from Comenity Bank/Zales was sold to XXXX XXXX XXXX. Comenity Bank/Zales released me from liability from this account because it was opened without my authorization and is a result of identity theft. This account appears on my credit report fraudulently even though Comenity Bank/Zales investigated and found that this account is a result of ID Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeat phone calls with no voicemail. There are numerous variations of phone number calling me three to six times a day. The phone numbers start with XXXX They call while I am at work. I did call back one of the numbers and I heard a recording that it was a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: TX
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Portfolio Recovery in regards to a XXXX XXXX card. I have never owned or applied for a XXXX XXXX card. I have asked for proof that this debt belongs to me. Portfolio Recovery has ignored my request numerous of times

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: EQUIFAX, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I was inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my ssn is XXXX. I'm also inquiring about my son 's name " XXXX XXXX SSN # XXXX and my daughter. XXXX XXXX # XXXX. I believe the account have been open fraudulently by a close relative without my knowledge. if there are any account open under our name can you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your 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 2018-03-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am an member of the XXXX XXXX XXXX. I was XXXX on XX/XX/XXXX in XXXX XXXX XXXX    XXXX XXXX. I am currently XXXX to XXXX. I have tried several times to the Barclay credit card company to lower my interest rate in accordance with Soldiers and Sailors Relief Act that is U.S. law. On the XX/XX/XXXX, I called the company and advised them that I had been activated and requested they lower my interest rate. The Barclay Card associate directed me to call an extension within the company and leave my information and an associate would contact me within 72 hours. I didn't receive a call. I called again on XX/XX/XXXX and left a message with my information again. I have yet to receive a call from any representative of Barclay Card. Can you please assist me with resolving this problem. I can provide a copy of my orders upon request.

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