BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In Mid-XXXX, 2020, I mailed a payment to Citibank to pay off a credit card. I contacted them before the payment was sent to get the correct payoff amount. The cashiers check was mailed overnight. I had two accounts with Citi, both checks in the same envelope. They applied one check to one account, but the other check they did not apply, but rather cashed the money and it is nowhere to be found. The stamp of deposit was XX/XX/2020. I have tried numerous times to contact someone in regard to having the payment credited to my account, but I consistently get put on hold, sent to another department, or disconnected. Last Monday alone, XX/XX/2020, I spent almost 3 hours on the phone and on hold, as well as transferred to seven different people. The last individual hung up on me. Citibank also  reported the alleged late payment to my credit report causing a decrease in my credit score that I have been diligently been working to increase. I have spent multiple hours, over multiple days trying to fix the issue, but it has been to no avail.

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 2020-01-15
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medicredit keeps calling and harassing me for a bill of {$970.00} that I know nothing about

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 2021-09-13
Company: Experian Information Solutions Inc.
State: AZ
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:
My complaint is with Experian credit agency. I have submitted a Letter of Good Standing from XXXX my school loans. I have nine accounts all under the same number. I spoke with XXXX a supervisor last week my information have been received and I was told this by several employees. I was told the Letter of Good standing would be placed next to these accounts as of todays date that information have not been added. Potentially negative should not have been placed by my school loans ; the last missed payment was in 2015. 

I checked my credit profile and XXXX student loans are in dispute. Thats not what I asked for when I spoke to XXXX. XXXX sent the Letter of Good Standing on these accounts. Im beginning to feel like Experian is deliberately sabotaging my credit profile. I also have a problem with them correcting two other accounts that I filed a complaint against those companies and the decision was one was to be removed and the XXXX said to enter dispute/ fraud. 

On this complaint with Experian I want In Good Standing added next to my nine XXXX accounts. They have the letter from XXXX. Instead they just open a dispute and do nothing. 

Assistance in this matter will greatly be appreciated. I will file two other complaints against Experian for deliberately entering incorrect information on my credit profile.

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 2021-10-02
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: Investigation took more than 30 days

Complaint:
I am filing the complaint against Equifax, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: VA
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 have account that I did not open on my credit profile, I cant any validation on the account by trying to contact the creditor This account was fruad and I need it to be deleted from my credit profile .. I sent in some document on account for a XXXX XXXX XXXX total account please help me get this resolved ... I have been residing at XXXX XXXX XXXX XXXX va XXXX for over 8 years Thanks for your understanding

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 2017-11-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Had Fraud on my checking account for a couple of months that caused my payment to JCP to be  returned and late in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my 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 2018-04-23
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent Commonwealth Financial Systems Inc. Two debt validation letters. I sent one on XX/XX/XXXX via certified mail that was received by Commonwealth Financial Systems Inc. on XX/XX/XXXX.  They sent me a letter that I received on XX/XX/XXXX that simply stated that I assume debt if I do not reply within 30 days. In response I sent another debt validation letter on XX/XX/XXXX. They received the letter on XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I received a letters for 3 different accounts each with the copy of an invoice. There was no validation documents sent. 

In every letter I requested seven documents to validate debt.

1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt.

3. Valid copies of the debt agreement stating the amount of the debt and interest charges.

4. Proof that the Statute of Limitations has not expired. 

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CITIBANK, N.A.
State: WA
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/19, I purchased flights using my Citibank Costco rewards credit card for {$3500.00}. After the flights were cancelled and I was unable to get a refund from the merchant XXXXXXXX, I disputed the charge. Citibank never contacted me to get additional information and closed the case in the vendor 's favor. On the XX/XX/XXXX statement, we paid the {$3500.00}. On XX/XX/XXXX statement, we were charged again the {$3500.00}, an error on Citi 's part. Therefore, Citi has charged me twice. Attempting to resolve this seems to be intentionally difficult. Moreover, the Department of Transportation ( Case # XXXX ) contacted XXXX to refund the money for the tickets which is in process. I have called at least XXXX separate times for an hour each to Citibank to address this situation which is abundantly clear that they made an error. Now, because of their reticence to remedy the situation, I will need to make the full payment to avoid interest charges. Truthfully, I believe that Citibank is intentionally attempting to keep the money and find their business practices unacceptable. I will effectively be out of pocket XXXX {$7000.00} until this is resolved.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
compliant number XXXX this is my second complaint and it is a major issue with it has been more than 30 days.This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX/XXXX  XXXX  # XXXX, 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 explanation
Consumer complaint received 2022-08-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I have a debt from XXXX XXXX  from previous landlord. I have contacted them several times and disputed the debt with XXXX XXXX and XXXX XXXX. They are reporting that XXXX is owed and the judgement is XXXX. When I reached out to XXXX XXXX regarding this and mentioned it to the compliance department at XXXX they confirmed they never had the judgement but instead an inflated bill from the landlord. My husband and I tried for the last three years to get this removed and we are getting no help. XXXX XXXX  has been sued and should be put of business. Please stop them from preying on people. I can not get a mortgage because of this huge debt.

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 2022-08-11
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: GA
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  should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have been trying to resolve a fraudulent cash advance transfer with Bank of America since XX/XX/2021. They have neither resolved the matter, nor provided me any rational explanation regarding their investigation. They have been intentionally difficult to get answers, or assistance. I have attached a detail timeline with what I have been experiencing.

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 2019-04-27
Company: Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/19 received 1 page notice for a court hearing for garnishment. That is held on Monday XX/XX/19 per notice the date for XX/XX/XXXX. Garnishment in regards to a vehicle that was repossessed 2 years ago. & on my credit report shows the repossession & the account was closed. Havent received no documents or calls in regards to the matter until today

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My PayPal account was hacked and money was removed from my bank account. I filed a claim with PayPal and they keep refusing my claim saying it could have been someone else from my household ( I am XXXX years old and I live alone ). While the amount is not large, {$60.00}, someone hacked into my PayPal account and through that my bank account. PayPal refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Woodlands Financial Services Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account from Woodlands financial SVCS # XXXX that's still on my credit report that I paid off in 2017. I would like this account removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: WELLS FARGO & COMPANY
State: PA
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/2019 recieved approval for a car loan amount from my bank, XXXX XXXX. 
XX/XX/2019 went to XXXX XXXX of XXXX PA to negotiate for the car I had chosen. I informed my saleswoman that my bank preapproved me for {$10000.00} ( XXXX XXXX XXXX ) for a purchase. 
WITHOUT MY PERMISSION the saleswoman cal

led 3 lenders and received approval from one. I purchased the car because ( approximately ) 2 weeks prior my car was totaled ( my car was parked with no one insid e ) and my wife, XXXX children and I needed a vehicle at that time. A week later, my bank paid off the loan and still hold the title. I would like the 3 inquiries removed from my credit report. I DID NOT PRE APPROVE THE INQUIRIES BY THE DEALERSHIP OR LOAN COMPANIES.

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 2020-05-04
Company: FORD MOTOR CREDIT CO.
State: PA
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/2019 recieved approval for a car loan amount from my bank, XXXX XXXX. 
XX/XX/2019 went to XXXX XXXX of XXXX PA to negotiate for the car I had chosen. I informed my saleswoman that my bank preapproved me for {$10000.00} ( XXXX XXXX XXXX ) for a purchase. 
WITHOUT MY PERMISSION the saleswoman called 3 lenders and received approval from one. 
I purchased the car because ( approximately ) 2 weeks prior my car was totaled ( my car was parked with no one inside ) and my wife, XXXX children and I needed a vehicle at that time. 
A week later, my bank paid off the loan and still hold the title. 
I would like the 3 inquiries removed from my credit report. 
I DID NOT PRE APPROVE THE INQUIRIES BY THE DEALERSHIP OR LOAN COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation letter to Franklin Collection Services ( " FDS '' ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. 

FDS responded to my first request for validation in a letter dated XX/XX/2019 with a verification and validation of debt for a bill owed to XXXX XXXX XXXX XXXX XXXX. The response I received did not provide me with the information I requested. Instead, the letter stated the alleged balance owed to XXXX XXXX XXXX XXXX XXXX. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted.

Therefore, I sent a second letter to Franklin Collection Services dated XX/XX/2019, where again I specifically requested that Franklin Collection Services ( " FCS '' ) provide me with evidence that the company is the legal owner of the debt, and that FCS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. This information was not provided.

After specifically requesting this information in writing on two separate occasions, FCS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FCS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX a XXXX XXXX XXXX account in my name that was paid through Diversified Adjustment Service INC. Account was settled with documentation from XXXX XXXX VP of Operations and stated that the account would be dropped from all National Credit Bureaus. 

Account was then sent to XXXX XXXX. XXXX XXXX XXXX, Fl XXXX where I furthered paid dating on XXXX an agreed upon resolution of {$350.00}. Then in XX/XX/ hd seen XXXX show up on my credit reports. I resolved it another time through them. Not recalling the previous payments through Diversified and skeptical of weather I had paid it through XXXX previous. I set up another payment arrangement of {$220.00}, I paid the amount in two payments. Last payment being on XX/XX/. I have not received validation from XXXX other than seeing the payments drafted from my personal checking account. 

XXXX Called XXXX several times starting at XXXX XXXX aprox EST. Spoke to representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each representative gave me an email address to send the documentation of the account being paid previous to XXXX and through XXXX along with the amounts paid to XXXX to close and handle the account. An account that was previously paid for. All email addresses came back as invalid addresses through my gmail account. Documentation was noted and pictures of the returned emails have been logged. I was lastly told via XXXX XXXX that there would be no refund issued as I explained that this account was paid in full through Diversified XXXX XXXX XXXX. I was then dispatched to another tier management, where a message was left. Messges have been left previously with no return consultation. 
The referenced account through XXXX is XXXX Diversified Adjustment Services INc XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation