BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I requested a refund for my overpaid Citi Bank card. I submitted online on XX/XX/XXXX to send to my savings account. I immediately recognized ( after submitting ) I had an outdated account on file. I called Citit immediately and explained my situation. I was told on the phone that they could not cancel the refund and to contact them again tomorrow. I contacted Citi the next day ( XX/XX/XXXX ) and was told it was already processing but if the account is old that " it will be returned '' as incorrect. On XX/XX/XXXX I received a confirmation that the refund was processed. I have called Citi and they told me will start an investigation that will last 30 days to refund my money. On two separate occasions I asked them to cancel this request but they knowingly continued the refund. At no point was I directed to speak with a resolution team or senior representative.

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 2023-02-06
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX management XX/XX/23 threatened me. To take legal actions against me. They call multiple times in a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I received a call from a XXXX XXXX ( not sure why i even received anything since I became a college graduate in XXXX from XXXX XXXX XXXX XXXX XXXX University ), stating that i owed them for some materials i ordered from them for a class. I disputed with them then stating that this account must have belonged to someone else, or someone used my information. Why would i want to go to a XXXX XXXX when I already had my degree. I was told that they would no longer contact me, however it is 5 years later, and they are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CITIBANK, N.A.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid in full the balance on the account on XX/XX/2019 confirmation number available upon request. On XX/XX/2019 a checking account I used solely for making payments on this card was over-drafted due to a payment withdrawn by Citibank although there was a {$0.00} balance on the account. I called on XX/XX/2019 to contest, and gave an address to have the amount withdrawn credited back to my account and to cancel automatic payments. That amount was never sent to me. On XX/XX/2019 the Citigroup withdrew another payment although at this point I had called 2 times already to resolve the balance and cancel automatic payments.

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 2019-05-13
Company: Experian Information Solutions Inc.
State: IL
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 disputed with Experian over 15 times about a negative XXXX XXXX XXXX XXXX that's on my credit report in every dispute I requested a WRITTEN SIGN CONTACT with my signature on it they have Failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair Credit Reporting Act. XXXX and XXXX  have Deleted this idea because they Don't have a SIGN CONTACT WITH MY SIGNATURE on it. How can Experian keep violating the FCRA? I want this account deleted ASAP do to them violating my rights and the Fair reporting act and Not put doosan a written contract with my signature on it

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 2021-12-02
Company: Resurgent Capital Services L.P.
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 filed a FTC complaint on XX/XX/2021 for XXXX fraudulent accounts with LVNV. LVNV has removed XXXX of the accounts and has failed to remove the account mentioned in this complaint from my XXXX report. 

I am demanding that LVNV remove the account immediately or I will be pursuing legal action against their company for illegally placing a collection on my credit report, that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Ive bought a use car at XXXX auto at that time I was really needing a car for work they did sell for tax Id holders the interest was so high 23 % I financed for 6 years I already paid 3 always on time I call to refinance they dont do it because theyre only a loan company not a bank. Even for that i think they should come up with a solution for good payers but never did. Im trying to get better rates. Otherwise Im surrendering the car. The interest is so abusive. The car is a XXXX XXXX and I pay monthly {$550.00} dollars. For the type of car and the credit that I Have this car should cost me XXXX monthly.

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 2019-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX performed a hard pull on my credit in order to open a checking account. I was not looking for an extension of credit, which is what hard pulls are for. In fact, but opening a checking account, I am the entity providing credit to XXXX XXXX. 

If they received my consent, it was on a page with 15 other disclosures that masked the fact that this would occur. I would view that as deceptive. 

Can we stop companies from conducting hard pulls when individuals are not looking for an extension of credit? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
None of the accounts below belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent several notices over the past year or two to the XXXX main credit bureaus ( EXPERIAN, XXXX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.

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 2019-05-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
the personnel threatened to take legal action, they told me if i chose not to pay then i would have to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I got a title loan from this company around XX/XX/XXXX, after paying four months for a total of {$1200.00}, on XX/XX/XXXX they took my car without any prior attempts to contact me or email me regarding my being 3 days late. When I called them they wanted a cash payment via XXXX for over {$600.00}. They refused to tell me where my car was and said I would have to go to the police and pay {$15.00} to get the report they filed before they would release its whereabouts, and that I would be charged not only storage fees for the car but separate storage for the personal items inside. I called back the next day and demanded a supervisor who gave me the phone # to the storage company. When I called them I was told I would have to make an appointment for the following day as they did not allow same day pick up. Wilshire credit then sent me a letter informing me that they would auction off my car on XXXX, in a private sale, unless I paid off the amount due. The amount they wanted was {$3700.00} on a {$3000.00} dollar loan, that {$1200.00} had already been paid. According to DMV code section 3072-j the sale must be conducted in a commercially reasonable manner, ( not a private sale ) Since that time I have received no further correspondence from them. This is another violation of DMV code. They are supposed to tell me how much it sold for and provide a list of payouts and send any amounts over the loan to me. This company is very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was in an accident on XX/XX/2018, i was insured at that time and found to be at fault. I only had liability coverage, i paid the court and towing fees as well as my hospital bills which amounted to {$3000.00}. I provided my insurance information to the police on the spot. A month later I start getting calls from this company called AFNI. They said they are an insurance collection agency and i owed them {$14.00} XXXX for the accident. I told them I had insurance and provided my insurance information. They kept calling for months threatening to sue if i do not pay. Now they have had my license suspended by the Ohio bmv and it states that I have a non-compliance debt with afni of {$10000.00}. And I also need to pay a {$350.00} reinstatement fee. I had insurance and i gave my policy card to the police, afni claims I had no insurance and calls me everyday of the week. I've called my insurance company ( XXXX XXXX ) and they say the claim is still open ( claim number : XXXX ) there's nothing they can do to help me at the moment. I am going to sue this company. They don't want to deal with my insurance company, I am currently XXXX  and their constant harrassment has elevated my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I mailed disputes to XXXX, XXXX and transunion on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I requested the verification of the account and in accordance to section 609, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all 3 bureaus. No response again and I sent another set of disputes to all 3 bureaus on XX/XX/21, and again no reposonse. I sent another 3 disputes to XXXX, XXXX, and transunion on XX/XX/21 and again no responses. Another 3 disputes sent out to each of the XXXX credit bureaus on XX/XX/21 but, at this point, since I haven't received 1 response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have 30 days to respond and it's now been about 6 months and I haven't received one response. I would like the CFPB to remove all of the accounts that I have been disputing for the last 6 months from my credit reports because the 3 credit bureaus have violated the law and not completed their investigations accordance with the FCRA. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.

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 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I already reached out to TransUnion and to XXXX XXXX and XXXX  XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists 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
Consumer complaint received 2018-01-17
Company: Asset Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called company and set up payment arrangements on past due amount, It was agreed that I would make payment to catch up and continue service. account still sent to collections without call. I receive notice from dept collector and I would like to look into this company license to collect in state of Florida as of my statement date, because according to what I have looked up they have no information for XXXX on Florida secretary website. I made payment arrangements with company in XXXX of XX/XX/XXXXso my account should not have went to collections at all this fast before I can honor the arrangement, so why am I getting a statement dated XX/XX/XXXX, when did my account go into collections and why was I able to make payment arrangements with the original company to continue my service if this was the case? Is this agency able to collect in Florida as of XX/XX/XXXX? I would like someone to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were on a month to month lease with XXXX XXXX XXXX XXXX ( XXXX ) & it became too expensive. They took us to court & we moved XX/XX/XXXX. The judgement for the balance owed to them is {$4900.00}. XXXX sent the account to Hunter-Warfield Collection Agency & added thousands of dollars in erroneous charges & fees. We agree that we owe the judgement amount of {$4900.00} but NOT the {$11000.00} that is currently reporting on our credit reports. I'm attaching a copy of the judgement amount which was also reconfirmed, in court, in XX/XX/XXXX. We tried to make a payment arrangement with the attorney but they said we had to deal with the collection agency who would only make an arrangement on the amount they're reporting, which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: LEXISNEXIS
State: AL
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:
On XX/XX/XXXX - I sent a dispute to Lexis Nexis advising of incorrect Bankruptcy information. According to my research they are under the FCRA rules ; thus, they have violated the 30 day response. I contacted Lexis Nexis via phone around the first week of XX/XX/XXXX to inquiry about the dispute and I was told the dispute was still under review. I advised the CSR that the time for response is past -due ; thus, the incorrect information has to be deleted. As of today XX/XX/2018 : I still have not received a response and they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to submit this complaint on this past Friday or Saturday night. But for some reason it doesnt't seem to have registered. 

Wells Fargo Home Mortgage, on their system had me registered as completely current with my mortgage as of the end of XX/XX/2019. This was accurate and correct. I called them and complained about some errant late pays ( 11 of them to be extant ) that they reported on my credit report. I also filed a complaint with the CFPB about Wells Fargo 's negligence. 

Then all of the sudden Wells Fargo sends me a letter on XX/XX/2019 saying that I am 31 days late on my mortgage, saying that I owe over {$3000.00} and also charging me late fees. 

Then Wells Fargo sends me another letter on XX/XX/2019 saying that I am now 32 days late on my mortgage, and stating that I owe over {$3000.00} and tacking on more late fees. 

First of all... .where did they get this from? It's totally made up. 
Second of all... this extreme level of incompetency and reckless abandon with which they are willing to operate also is a clear indication of their fault on my previous claim submitted. 

I have attached both letters and you can see they have arbitrarily reversed payments and 'unapplied ' payments thus creating some large fictitious 'overdue balance ', which they also conveniently have applied some retroactive Late Charges.. .for this make believe 'overdue balance ' that they have fabricated by simply manipulating numbers on a spreadsheet. 

Again, I pay MORE than the $ XXXX/mo mortgage amount EVERY month via my XXXX XXXX auto bill pay. Only because Wells Fargo 's negligence and predatory loan practices prevented me from closing on my house a few weeks ago that has me more closely looking at my mail. That is the only reason that I noticed these two letters that were sent ( they looked like the normal billing statement, and since I pay MORE than the required mortgage payment, every single month via auto bill pay.. .I would not have a need to look at the monthly statements ). So because I had an existing claim, it caused me to examine the mail that they sent, which hopefully will allow us to catch this inaccurate 30 plus day late claim before it shows up on my credit report. 

The last time we were not as lucky. And there faulty/negligent/incompetent practices damaged my credit rating and I was forced to suffer for their incompetence. This should not be allowed. Wells Fargo should not be allowed to get away with this. They should be stopped. No telling how many other people that they are impacting in a similar unfair and unjust manner.

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