BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In early XXXX Citi Credit card suggested for me to change my account number due to a vendor billing my card even after cancelling my service. I agreed and changed my account with that change my auto payment was not changed. 

After my auto payment was changed I made a payment using the app, about 2 weeks after I received an email that my mobil payment was never received which I called fixed the issue and made another payment. 

While making the second payment which was received Citi told me that the late returned penalty will be taken out and should not worry about it but 2 days after I found out that my credit card was closed due to late or returned payment. 

The reason my payment was returned is I was told that my Citi Checking account had a system glitch or when I submitted payment the account number used was my old account number. 

I have been a customer for over 12 years but when my account was closed by Citi for returned payment i did not even receive an email or a call had to find out when automated payment was rejected and other vendor called me to let me know that my payment has been declined. 

Citi Credit card and Citi checking team do not work together to understand the issue and when they send the account to someone for approval to reopen they are not looking at where and why payment was returned.

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 2019-09-10
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Getting a credit report - is very difficult if you live overseas- could be impossible.Equifax sent me a letter stating their requirements for a credit report at my XXXX  address.  I submitted 7 items to them: 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX front and back 4. Electric bill 5. 1099 from my pension company. 6. IRS letter with my name social security number on the from of the letter.  7. My social Security card. All were clearly readable by them.I was rejected by 4 customer service people!  One told me to resubmit all my data again and try again.  All told me - "We don't send credit reports overseas".  Why ?  I've received them in the past! I spent over 3 hours with them to get turned down by all 4 persons. I kept asking for a supervisor. The 5 person that I talked to at Equifax seems to understand - He gave me a confirmation number and I checked  it, it was mailed out XX/XX/XXXX. Equifax needs to train their people better.  On a follow up to correct my report, I asked to have my correct address in XXXX put in under a personal statement in my report. You can't do that I was told, no foreign address can be put into a credit report either as a personal statement or officially.  Again asking for a supervisor, i was told that my XXXX   address would be put into the report as a personal statement by me. There is no excuse for their insulate behavior in rejecting me because I live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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: Card was charged for something you did not purchase with the card

Complaint:
Re : Unauthorized Charge {$4100.00} on Citibank Creditcard No. XXXX I was bullied by Citibank into paying {$4100.00} to a contractor,  XXXX XXXX, on the above credit card, without my authorization. Citibank is not a court of law and has no jurisdiction to order me to pay any money to any contractor unless it is done with my authorization. Citibank 's bullying behavior violates the Fair Credit Billing Act. 

I hired XXXX XXXX to replace some windows last XXXX. XXXX quoted {$5100.00} for the job. I accepted the quote and paid a {$1000.00} deposit to XXXX on XX/XX/XXXX by charging the above credit card issued by Citibank. When the job was finished, I discovered many defects in workmanship and material quality. I complained to XXXX and was in negotiation for a settlement. But XXXX stole the number of my credit card and walked away with the remaining {$4100.00} by charging the card on XX/XX/XXXX without my knowledge and authorization. I noticed this unauthorized charge onXX/XX/XXXX and immediately alerted Citibank to that effect. Citibank responded by reversing the transaction and credited the sum back to my account on XX/XX/XXXX. While I thought the billing error was corrected, Citibank, for no reason at all, charged my credit card account again for the unauthorized {$4100.00} charge nearly two months later on XX/XX/XXXX and forced me to pay the sum under the credit card agreement provisions, which I paid in full on XX/XX/XXXX. Since then I sent Citibank numerous certified letters and emails to dispute this billing error and request for a credit of the money, but to no avail. Citibank 's last excuse for denying my request : " timeframe in which to resolve a dispute has passed. '' What a bully! Eight Exhibits are attached to substantiate my claim.

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 2019-09-10
Company: EQUIFAX, INC.
State: MD
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 reached out to XXXX XXXX, XXXX and Equifax a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reached out to Trans Union, XXXX and XXXX  a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

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 2018-06-14
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX FL XXXX, I went in to redeem a coupon for a prize I may have won. 

I received the flyer in the mail. 
I spoke to a salesman by the name of XXXX and he said I did not win the prize but asked if I was interested in a new car. 

I told him that I was not due to I have a XXXX XXXX XXXX.however I told him that my credit was probably not good enough for a newer purchase and that I did not think I could qualify for the car because of other debts. I told him I was paying on a XXXX XXXX. 

The salesman said that if I wanted to get rid of my current automobile a XXXX XXXX XXXX, I could do so by Voluntary repossession. I was talked into that. Not knowing what he meant till he explained in detail. I asked what he was talking about because I never heard of this. And he assured me that Yes, I could do that. 

He took me to the finance department and we sat down with a finance professional who showed me how I would be able to pay for and still maintain good credit. 

I selected a car a XXXX XXXX XXXX and began to sign the paperwork. The salesman told me that I could also get a {$100.00} referral bonus, so I suggested my brother. When I brought him in, the same salesman and the same finance person said he would need a cosigner, and asked if I could sign for him. ( my Brother ) I told the finance guy, that I did not think I could based on my outstanding debts, including the new car that they just sold me. They did tell me that it would be alright and that I could co sign with no negative effects. So my brother bought a XXXX XXXX XXXX. 
I never did get the {$100.00} referral bonus. So we both drove off of the lot with new vehicles and new debt. 

The next day, I called about the voluntary repossession to XXXX XXXX XXXX that I use for my banking, personal loans and the XXXX XXXX XXXX. When I talked to them about the voluntary repossession they stated that there were NO benefits to that. As a matter of fact, they stated that I would lose : My banking privileges They would close my account I would be classified as a bad risk I would owe the complete balance of the car I would owe the complete balance of two personal loans that I have And a negative review to my credit report. 

I was not only shocked, because of what the dealer told me but now I can not return the vehicle nor afford the payments of multiple vehicles. That was explained to me that would work in their fashion. 
but have since fallen into a deep XXXX as a XXXX  member of the military, I NEVER thought I would be impacted this way by purchasing a vehicle. 


Release me from the Lease of the XXXX XXXX XXXX. 
Refund my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was banking with Wellsfargo my account was close without my knowledge and reopening with new account number for authorized charges that they never fixed one was XXXX XXXX XXXX and I have contract them and they havent responded keep saying I need more information and XXXX XXXX that was taking money out of my account every month plus more have contact XXXX and no response so how do I get a refund or my money

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 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I terminated service with XXXX XXXX XXXX after many years as a customer. They tried to tell me I had a contract, which I did not. They billed me an early termination fee. I contacted XXXX XXXX XXXX several times after they billed me almost 2 years ago. I asked for proof of a contract and they were unable to produce it. That is because there was no contract. They have now sent the debt to three separate collection agencies over the almost two years. The latest debt collector is Franklin Collection Service Inc. Each debt collection company that calls I tell them that the amount is disputed and not owed to XXXX XXXX  XXXX XXXX I ask them to provide me of proof of a contract to support the debt, which they fail to provide me. I tell them not to contact me again but they keep contacting me and they are ruining my good credit by placing a debt collection action on my credit report. I need assistance getting this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX is reporting negatively on my credit report XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/XXXX I attempted to transfer money from my account to a friend's account using XXXX and got notified that my XXXX profile was locked.  I called on the morning of XX/XX/XXXX was told that it would be a short hold and at 40 minutes decided to take their option to leave a message for them to call back.  Four hours later I still hadn't heard from them so I called back and was notified that the only way to get through was to wait on hold for 1.5 hours.  I asked that they call me back.  On the morning of XX/XX/XXXX I called back because I still hadn't heard from them.  I was told that I would be connected in 12 minutes as soon as the office opened and get put on hold for a XXXX XXXX service line and nobody picked back up.  I don't think there is any way to speak with Ally directly rather I get some proxy that is not capable of doing anything.

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 2019-01-15
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my XXXX credit report. On XX/XX/18, I sent XXXX a certified letter which was received by XXXX and signed for on XX/XX/18, asking XXXX to validate this reporting. On XX/XX/2018, XXXX replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor LexisNexis ''. I have a copy of my LexisNexis report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By  stating XXXX verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX, 2018 at XXXX XXXX. a female representative from " IC System '' asked me to verify my address to discuss private information. I could not and did not verify my address, and the disgruntled representative rudely said she would be " sending a letter anyway '' to an address not specified. I have no idea where this letter was sent, or what information was on it, or if it even belonged to me. 

If my private information is out there, I have a right to know where it was sent. However, I was told a letter would be sent to an unknown address, that I did not verify.

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 2018-06-13
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection company called Resurgent Capital services continues to report negatively to the credit bureau on an account that is not mine. I have sent letters, called and tried to work with this company. They are saying I owe XXXX from 2016. I continue to request from them proof or signature or application or something from this account and they refuse to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my account on thurs. XX/XX/XXXX at around XXXX XXXX.the check amount was $XXXX I got notification funds would be fully available as usual the following day XX/XX/XXXX a Fri. the XX/XX/XXXX passes nothing clears so I gave it until Monday to process Monday morning no change in status, so I called the bank wells Fargo and discussed with a rep I would like to have the check pushed throughthe verification process so I can acess the funds she informed me that the check "bounced" came back insufficient funds. I asked to speak to a superviser and she nicely transferred me to a woman who refused to identify by anything other then XXXX who works there....? she said it came back insufficient funds and that there was absolutely nothing that could be done until Fri the XX/XX/XXXX and funds not available until the XX/XX/XXXX the following Monday. I asked in several attempts for her to do a manual verification over the phone with the bank its being drawn from as I have done with MANY other banks many times and she said that's not possible there's nothing we can do. I asked if I can simply get the check back so that I can take it to the bank its drawn on and cash it to have access to the funds that was given to me. she said no then said well we could do a reversal and put in a claim but that could be 7 to 10 bussiness days before anything would happen. given that information I went to the person who gave me the check and asked them if there were any problems or issues (the guy is a multi millionaire)  he said no called his accountant and had him print me off statement that show the check he gave me for $XXXX cleared is bank fully on Friday the XX/XX/XXXX and left a remaining balance of $XXXX as of yesterday there was still a balance in that account of $XXXX. I called wells Fargo back to try Again to get them to give me the funds that not only were in the other account but that they have taken and are holding and refusing to give me access to that lady was VERY rude cut me off wouldn't let me speak and basically said I needed to be quite while she looked up my info. I also submitted a written complaint online asking for a call back from someone that can handle this manner swiftly and they have yet to contact or reach out as of this point yet .

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 2020-08-26
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
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:
Equifax is reporting an item from XXXX XXXX with a close date of XX/XX/1995. This is more than 7 years ago and needs to be removed.

Company response to consumer: Closed with non-monetary relief