BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-29
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1- I bought a XXXX XXXX XXXX XXXX, In XX/XX/2018 using XXXX. The watch did not work properly, I was concerned because I got it over sea. XXXX, the merchant, and I worked this problem out, and the watch was properly returned in common agreement ( I have all the evidence showing this : emails, returned labels, post office receipts, etc ... ) 2- I initially informed citi double cash of the problem. Even though, I told them the way I made the purchase, they mistakenly took the event as a fraud case. The way the item was paid was through XXXX. XXXX, held the payment for this transaction all the way to XX/XX/2018. I asked XXXX to refund Citi double cash, XXXX told me that they could not do anything and I needed to call Citi double cash. I did call Citi card several times, but they did not listen. 

3- Someone in Citi double Cash fraud Office made the decision that it was no fraud ( which it never was ), this person in Citi Double Cash passed that decision to XXXX where the MONEY ( {$390.00} ) was held. XXXX base on that decision send the funds to the Merchant. 

4- All the above information, was gather through months of this ordeal for me, and on three way phone call with XXXX , Citi Double Cash Agent , and Me, on XX/XX/2018. This event was immediately followed by another three way phone call with XXXX, CITI DOUBLE CASH AGENT, and Me, all at the same time. All of this in the afternoon, on XX/XX/2018. 

5- As it is right now, XXXX , and XXXX said to me that they can not open any dispute with this crook Marchant because of the fraud decision this careless Citi 's employee made, and Citi double cash has not done anything to clarify and fix this problem. So, I am frustrated because I can not do anything to solve the problem. 

6- I do not like this credit card company anymore, so I paid all the balance I owed on this card EXCEPTING this transaction ( {$390.00} plus interest and penalties they are now charging {$500.00} ) and I cancelled this credit card.

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 2021-03-03
Company: Colony Brands, Inc.
State: CA
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:
Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint withXX/XX/XXXX credit reporting a few days ago and they/XX/XX/XXXXXXXX intentionally put a charge off on my account again as of the XX/XX/XXXXof XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. 
This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: BAS Receivable Management Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Original creditor XXXX Colorado XXXX accepteded full payment for the original medical debt that I was not properly notified of. This collection agency reported a 19 interest payment on my credit report after the account was paid in full and to the original creditor and settled as agreed. This is illegal and is impeding my ability to obtain a mortgage. I have attempted to resolve this with XXXX  and Bonded Adjusted Services.

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 2020-07-07
Company: The LGM Co., Inc.
State: OH
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:
XXXX at LGM Finance has been making harassing phone calls, messages, and text regarding the required insurance that I have on my vehicle. All this communication happens at least 10 times a day. My insurance company is working on fixing the problem to prove that I have insurance, but this company is harassing me and telling me they will not stop calling me. I am not late on my payment and the alleged forced insurance is suppose to take place on the 12th. I have been harassed by them for the last week. This is highly unethical and troubling. Stop harassing me. I let the insurance company know what was going on and also advised you. You shouldn't call people like they are late on their payment and that is not the case. You shouldn't be allowed to call, text, email, and leave voicemails through out the day either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Bluebird American Express account for myself and added my brother and son to help them manage their money. I finally got the cards after 3 weeks and had my brothers UE check deposited without a problem. I paid 2 bills for him and when the next deposit for unemployment check was supposed to be made ( 699 ), I received an email stating the account was closed due to section 20 ( d ). I did not have any idea what this was and tried to login to the account and no access. I called the number on the card and waited on hold for 2 hours to have a foreigner tell me the account was closed and they could not view the account. I asked how do I get the money in the account and they had no answer. He kept saying the same " statement '' the account was closed  and no way to get or see money in account. I hung up. This is my brothers money. He is handicapped and doesnt know how to manage his money. it was over XXXX in total. I wrote a letter to the address American Express provides and have heard nothing. How can this be legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.

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 2021-03-03
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a debt validation request to this company via certified mail that was signed for and received on XX/XX/XXXX and rather than validate the debt I was sent nothing at all. This is a direct violation of U.S. Code 1692g within FDCPA regulation. I have proof of documentation being sent and received without any response that validates or verification that entitles me to this debt within the allotted 30 day timeframe. Please delete this information from my credit file and cease all collection activities immediately, otherwise I will be forced to report this violation of my rights under the FDCPA to the Federal Trade Commission as well as my attorney for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls XXXX   has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: NY
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've been having problems maintaining my account due to XXXX. I am still on CARES ACT XXXX. Therefore I am politely, yet sternly demanding all {$210.00} collected from me in overdraft fees from XXXX be returned to my account or risk losing me as a customer. I've been with WF for some months and I wish for it to stay that way. You guys make billions every year in overdraft fees alone and to be quite honest I hope legislation will happen within the next few years that require you guys to not charge more than a certain amount per day/ transaction. I have a kid to raise and bills to maintain, please don't get in the way of that.

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 2020-04-02
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
America express dont access keep get a bill never use the card America express say have a balance never use the card how is the company saying payment been make from XXXX XXXX  dont have bank account this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was opened but not by me. Account was charged a little over {$8000.00}. I didnt make a single charge. I filed a police report and the company has never contacted or bothered me about any payments but it hurt my credit score.

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 2018-07-18
Company: FIRST NATIONAL BANK OF OMAHA
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was granted a forbearance from XX/XX/XXXX until XX/XX/XXXX. ( I have copy of agreement ). On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX a letter from the bank stating they were returning the mortgage payment. During this time I had been working out some kind of payment arrangement. Our ng this to me no one could give me an exact amount I owed. First National Bank stated I owed {$1900.00} on XX/XX/XXXX, {$1900.00} on XX/XX/XXXX, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$2800.00}, XX/XX/XXXX, {$2300.00}, XX/XX/XXXX {$3800.00} and {$2300.00} and XX/XX/XXXX {$2600.00}. Each time I emailed or called XXXX. I could not get a straight answer. 
The above is only a few of the different amounts the bank said I owed. 
I have hard copies of everything I listed here and more

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 2019-02-28
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 @ XXXX, I went into a Western Union retailer ( XXXX XXXX ) in XXXX , GA. I intitially told the cashier the account number and the code city. The cashier put in the account number wrong as well as the code city. I have contacted Western Union on XX/XX/2019 around XXXX whereas I received a case number. I took the initiative and contacted the company it was mistaken sent to and they assured me they would send it back to western union. I called back to western union on yesterday XX/XX/2019. Western union told me I have to wait 24-48 hrs to receive the money back. So here it is XX/XX/2019 it has been 42 hrs later and I still havent gotten back my money. Its a little over {$1000.00} its my bill money and I need it back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX   DOB XX/XX/XXXX SS # XXXX my loan # is XXXX  XXXX late reporting XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late equifax XX/XX/XXXX XX/XX/XXXX 120 days late XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX & 60 days lateXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates has been contacting me from different numbers in violation of my legal representation and rights due process under the law. 

Furthermore they have been frequently contacting me without any identification as a debt collector or by leaving a message stating their identity. 

All of my debts are past the statute of limitations for collections. 

I am a XXXX XXXX XXXX veteran. I have had legal representation since XX/XX/XXXX. My XXXX XXXX effective date of XX/XX/XXXX. All of my creditors were notified by me and by counsel of my XXXX and representation in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A collection item popped on my perfect score from a company I do not know. I could not get any information about the nature of the debt and after three disputes, Experian could not either, yet they keep the collection item on my account without providing any substantiating information. Over this they are the one Credit Bureau that dropped my score almost XXXX points. 
I am not disputing something I know about and I am not paying because I was not happy with the service/product, this is about something I do not know about and that the collector and Experian, over three disputes, provided no substantiating information.

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 2021-10-06
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX XXXX edition from the XXXX XXXX dealership of XXXX, MA in XX/XX/XXXX. I can not afford the payments and would like to give the car back to the dealership. The lease is with Ally Bank/Leasing . They have given two separate prices for a buyout. 
1. I can go to any dealership and pay {$41000.00} ( good until XX/XX/XXXX ) to take buyout the car and take the title. I would also need to pay MA sales tax. 
2. If a dealership wants to purchase the lease, they have to pay Ally Bank the 'market price ' of {$54000.00} ( good until XX/XX/XXXX ), which is $ XXXX more than my buyout. They said the difference in price is the 'market 'price ', a 'new rule ' as typically the buyout price should be the same, and that it is non-negotiable. 

Since I can not afford to pay {$41000.00}, and no dealer in the country would pay $ XXXX more than the car is worth on the open market, Ally Bank is sticking me with the car and the payments that I can not afford. 

If they had the same buyout price for both me and the dealership as all other leasing companies do, I would be able to exit the lease with no financial harm to my credit, or be forced to file for bankruptcy. 

Please advise.

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 2021-03-03
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I requested a method of verification from Transunion on an account, I have documentation that the credit bureau received this request on XX/XX/XXXX, for which they did not respond. On XX/XX/XXXX I sent them a letter requesting removal of this account as they did not respond as per the guidelines of the FTC.I then sent another letter requesting removal on XX/XX/XXXX for which I show to be still in transit as of date. In reviewing my credit report, I noticed that TransUnion uses a third party to verify public information so on XX/XX/XXXX I also sent a letter to XXXX XXXX requesting a method of verification of the account ( s ) in question. I received verification that XXXX XXXX  received this request on XX/XX/XXXX. Finally on XX/XX/XXXX I received documentation from Transunion dated XX/XX/XXXX stating they verified the account ( s ) to be accurate. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX stating that I was in receipt of their documentation, however ; it did not provide the method of verification as requested. He stated to me that the account ( s ) were verified through a third party called XXXX XXXX and its not verified through a live person but a general computer and advised me to call XXXX XXXX. I called and spoke with XXXX ID # XXXX @ XXXX XXXX who verified one of the accounts in question and stated they did not verify the other account as they have no record of that account no where in their database. Stated they will contact the credit bureau and have them delete the account and send me documentation showing they had no record of this account. I received the information from XXXX and set this with a letter to delete the account to the credit bureau on XX/XX/XXXX. The Bureau received this documentation on XX/XX/XXXX. I then received letter from the Bureau on XX/XX/XXXX stating this account was verified as accurate. However, I dod not believe they even viewed the documentation as per their third party vendor for whom they said verified this account, states they did notverify this as they have no record.

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 2019-10-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a call i believe from Midland credit. Not sure as person in past saying they are New York attorney very rude about a XXXX account. I offered to pay XXXX each month was advised no thry will only accept XXXX a month which i did not have and told them. Received calls saying there eould be a warrant served at my job. If it did not pay full amount and they did not advise what amount. Another call message they will serve all my adresses and garnish my wages. Then today advised XXXX advised they taking me to court. Service all adresses and my job where i am not as i am working home due to illness. Im not sure who this creditor is. Could be XXXX not sure as creditor never mentioned. I have not received and other communication. I need help!

Company response to consumer: Closed with non-monetary relief