BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
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: Their investigation did not fix an error on your report

Complaint:
I contacted experian on multiple occasion about this account Municipal CR UN # XXXX that I have no knowledge of. They keep telling me its verified when i reach out to the company they told me they can't give me any information and received nothing fROM the experian. They received the dispute from XXXX which they were able to have them delete it. How is it the same account same company one was able to not verify the info and remove it but Experian is coming back verified that is because their computer is doing the work and noone is looking into my issue. 
i HAVE NEVER RESIDE AT XXXX XXXX XXXX, XXXX NY THIS WAS JUST ADDED BECAUSE I RECEIVED AN ALERT AND I TRIED DISPUTIONG IT NOTHING HAPPENED. MY CURRENT ADDRESS AND HAS BEEN IN XXXX XXXX FOR OVER 3 YEARS NOW. 
XXXX XXXX ACCOUNT XXXX THE SAY I HAVE BEEN LATE I CONTACTED XXXX THEY SAID THAT WAS SUPPOSED TO BE UPDATED BECAUSE I HAVE NEVER BEEN LATE. EXPERIAN IS NOT UPDATING ANYTHING THEY ARE JUST SENDING LETTERS BACK AT VERIFIED. THIS IS STOPPING ME FROM GETTING APPROVED FOR A HOME BECAUSE OF THEOR LACK OF INVESTIGATION. IT'S VERY UPSETTING,.

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 2020-10-08
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Re : Plains Capital Bank in XXXX, Texas Per Plains Capital Bank they stated I had signed up a XXXX XXXX which intended to send money to friends, family, and others trusted. They stated I signed up for this service and I did not. I am XXXX XXXX XXXX. I dont use a computer. They charged my account {$900.00} for this service. I protested and I received a letter just saying the investigation was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: CITIBANK, N.A.
State: PA
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:
Citibank charged me interest of {$0.00} on a balance of {$0.00} XXXX XXXX/XXXX/XXXX statement ). This is a monthly rate of interest of 100 % XXXX 1,200 % annually XXXX. This was the " minimum interest charge '' they claim they are allowed to charge, but this should be illegal.

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 2022-03-31
Company: EQUIFAX, INC.
State: MA
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 a small XXXX  collection account on my credit report. I lived in NY at the time it occurred. In NY collections fall off after 5yrs.

Equifax is arguing that because I moved it reset the clock. I confirmed with a credit law firm that the statute of limitations remains in the state where the debt occurred and can not reset to the new state.

I have also recently read that all three credit bureaus are going to delete all XXXX collections under {$500.00} in XXXX. My collection was both under {$500.00} and due to fall off in XXXX. I requested early exclusion and was vehemently argued with that they intended to keep it on my report an additional 2yrs! Beyond not following rules they are abusing power and using intimidation to harm people financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
[ person whose name appears on agency 's notice to you ] : Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CCS Financial Services, Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have sent 2 letters to each of the companies requesting documentation regarding the alleged debt. The first one was sent on XX/XX/XXXX to both CCS COLLECTIONS and XXXX XXXX XXXX. The second time I sent letters was on XX/XX/XXXX to both of the companies. To this day I have yet to receive any formal documentation validating this debt. CCS COLLECTIONS is reporting a debt of {$880.00} and XXXX XXXX XXXX is reporting a debt for {$730.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Santander Consumer USA 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:
Santander Consumer USA knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX  credit report screen shot to reinforce )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
From the end of last year, especially from XXXX of this year, there are many unrecognized credit inquiries appearing on my credit report. I suspect that my ID have been stolen in a grand scale. How, who, and where could I find the right help to resolve this issue and prevent further ID theft crime? Thank you very much

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 2017-10-28
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 XXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

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 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX  2017. I informed them I would finance it through XXXX. I specifically called XXXX to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed XXXX credit inquiries, XXXX for XXXX and XXXX for XXXX XXXX. Also, Transunion shows an inquiry for XXXX and XXXX  for XXXX XXXX.
I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the XXXX '' to XXXX XXXX  management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XX/XX/XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion.
I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do XXXX credit inquiries for 1 sale.

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 2017-10-28
Company: AES/PHEAA
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:
Fed Loan Servicing is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and  was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone created an online banking account in my name with my information .The Bank they used was Wells Fargo they have taken my whole identiy and used an number that is not mines and a email address that is not connected with me. I have contacted the bank Wells Fargo and no results they are unwilling to close the account because they say " I have to verify the email address and phone number. '' I went to a local branch and requested to speak with a branch manager and no results either this happened in the beginging of XXXX as much as I can recall I recieved bank statements with the person who is pretending to be me where they do online bank transfers. I am a victim of identity theft please help.

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 2020-12-18
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/2020 I registered my daughter for the XXXX XXXX XXXX XXXX scheduled to take place on XX/XX/2020. I paid {$420.00} for the camp via one of XXXX websites, XXXX ( see attached [ XXXX XXXX XXXX ] ). 

On XX/XX/2020 XXXX XXXX cancelled the in-person camp and moved it online ( see attached [ XXXX XXXX XXXX ] ). XXXX XXXX gave the option to move to an online camp, but no option for refund of the service they were not going to provide. 

On XX/XX/2020 I declined XXXX XXXX offer for the online camp ( see attached [ Online Camp XXXX ]. 

On XX/XX/2020 I initiated a chargeback against XXXX for {$420.00} since XXXX XXXX never provided the in-person camp I paid for and did not issue a refund. 

On XX/XX/2020 XXXX XXXX of XXXX via email asked me to confirm that the {$420.00} charge was accurate, and to sign a letter of non-dispute. I responded that same day declining to do these things. Again on the same day XXXX XXXX responded back Thank you for letting us know. This entire email thread is attached [ XXXX email XXXX ]. 

In their response to Citibank regarding the chargeback, XXXX claims Cardholder likely did not recognize the charge. Despite multiple emails and phone calls, cardholder has not responded. ( see attached [ Citibank dispute resolution.pdf, page 3 ] ). This is a lie. As the email chain referenced above shows, I responded to XXXX and they acknowledged my response. Additionally in the documentation XXXX sent to Citibank, XXXX also included a copy of these emails ( see attached [ Citibank dispute resolution.pdf, page 6 ] ), further evidence of XXXX lie. 

On XX/XX/XXXX, believing XXXX 's lie, Citibank closed the dispute. 

On XX/XX/XXXX I send Citibank a letter and attachments via Priority Mail detailing the above asking them to reopen the dispute ( see attached [ Reopen dispute letter.pdf ] ). 

On XX/XX/XXXX Citibank responded ( see attached [ Citibank investigation closed.pdf ] ) that they received the letter too late and could no longer assist me.

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 2022-08-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As I checked my three credit reports from annualcreditreport.com, on XX/XX/2022 XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with Experian and XXXX and not with XXXX. I'm requesting that this inaccuracy be deleted from Experian and XXXX credit reports.

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 2021-05-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased a vehicle from XXXX XXXX on XX/XX/2020 with the intent the vehicle operated as expected. I test drove the vehicle without incident. After signing the documentation for purchase, I drove the vehicle home and experienced trouble. The engine loss power and back-fired. I managed to get home and called the local XXXX Dealership for a vehicle inspection. They informed me " Cylinder 5 '' misfired and has a leakage. Also, Cylinder 6 has a leakage as well. I contact XXXX  XXXX with the issue and they have given me the run-around and refuse to take my call. They say, " We stand behind all of our cars.. '' But, instead, they won't support this vehicle. The purchase price was {$62000.00} with {$3000.00} down payment. 

According to XXXX XXXX XXXX XXXX, Virginia, the vehicle requires {$13000.00} in repairs of which will not pass state inspection. Nor, will the vehicle pass emission inspection for State License Plates and Tags. The tires are completely BALD. Upon notice, which they already new before I came to the dealership the condition of the vehicle and was hoping I wouldn't discover the condition until after the 30-days warranty. The dealership is nonresponsive as the days move forward.

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 2017-10-28
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I 'm signed up for paperless billing because I 'm meticulous about paying my bills online and I hate the clutter of mail. So I was surprised when I received a bill for XXXX XXXX ( a furniture store ) stating I was 3 months past due for a monthly {$2.00} minimum charge fee and resulting late fees ( {$27.00} total ).
I recently paid our 24-month 0 % interest purchase ( 11/21/15 ) off ; and even overpaid {$75.00} because I did n't stop my $ XXXX monthly payment after making the final payment of {$1500.00} prior to the promotional balance ending ( X/XX/17 ).  XXXX XXXX refunded me my {$75.00} additional payment and my balance was {$0.00}. I subsequently, removed this creditor from my list of bills to pay.
I accept the fact that i did n't read the fine print because I would 've canceled the card after paying it off. But I 'm unable to locate the terms of service and the company is intentionally being opaque with providing the information on their website. I 've spent about 30 minutes looking for the terms of service and I continuously am directed to contact their customer service center. Why was I not charged a minimum fee in XX/XX/XXXX when I had a balance of - {$75.00}? Also, why have they waited 90 days for them to stop my paperless billing and send me a notification. It feels predatory to wait until my account is that past due to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: SYNCHRONY FINANCIAL
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: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/XXXX I received my XXXX credit card statement on my computer, I live in XXXX  Calif and there was a charge on it for XXXX made in XXXX Calif.. I called my police department thinking that when I got gas the pump was rigged .. Tehn I looked at my staement and this charge was made 4 days before my gas charge.. So I called XXXX to complain about this charge.. My husbanmd was the main card holder on this account and he passed in XX/XX/XXXX.. They said since I was n't they main card holder I could n't handle this and I would n't be responsible for this charge.. I said I want this cleared up.. My husband and I do hold community property they could attach and besides we always paid our bills.. We were married for XXXX yrs..I made 5 phone calls in total to the bank..Was told to talk to the fraud department. Another phone call was told to talk to the probate department. Talking to them I found out my bill had been turned over to collections on XX/XX/XXXX.. All this time I am making phone calls getting no where... I called XXXX XXXX XXXX XXXX. At that time I was told they had no info on the file except for talking to me now..So they were going to return the file to Synchrony Bank.. I should wait 3 months before I call the bank. Well I did n't wait and in frustration I paid them the charge.. I feel totally ripped off and very angry that they did nothing. My husbands name was 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 explanation
Consumer complaint received 2019-06-28
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX  has put a remark on my XXXX report account abuse and i paid XXXX thats not mines. They also have several address that i never lived address needs to be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX    XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX phone number XXXX-XXXX-XXXX  i never had this account with XXXX XXXX and these addesses are not mines someone mustve used my information but it wasnt me. i attached pictures of the report and my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

National Credit Adjusters was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Called trans union to remove hard inquiries on my report that I didnt recognize or authorize. They didnt want to do it. Please make them remove them

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 2021-05-12
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: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX. I AM A VICTI OF IDENTITY THEFT. SOMEONE IS DESTRPYING MY CREDIT. ITS MAKING MY LIFE MISERABLE. I AM TRYING TO GET MY BUSINESS GOING AND THESE FRAUDULENT ACCOUNTS ARE HINDERING ME. IVE TRIED TO DIPSUTE THESE ACCOUNTS BEFORE AND THEY KEEP HAUNTING ME. CAN SOMEONE PLEASE HELP ME.

Company response to consumer: Closed with explanation