BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}

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 2019-04-26
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, XXXX XXXX, Badge ID # XXXX and FTC case # XXXX. This account is not mine and is from ID theft. 
I never had XXXX and have been with my current cell provider for 10 years. 
This collection company is reporting this account opened XX/XX/XXXX and when I called XXXX they said the account is over 7 years old. So this collection company changed the date in order to try and collect a very old account which is in violation of the Fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CITIBANK, N.A.
State: CO
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:
On XX/XX/XXXX I sent a dispute letter to CITI regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to CITI stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to CITI stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for CITI to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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 2019-04-26
Company: Experian Information Solutions 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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2017-11-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I believe Citibank closed my credit card accounts due to discrimination. I have solid proof of the discrimination. However I will not disclose that all in this complaint form due to legal action I plan to file against Citibank. Here is my concern with the credit cards being closed. Citibank says its due to recent credit inquiries on my credit report. A day prior I have expressed concern about Citibank 's customer service through a secured message to Citibank. I have a copy of the message I sent to Citibank. It was a nice letter just expressing concern about how I have been treated in the passed by Citibank. I stated that I have been treated awful by Citibank. The next day Citibank closes all my cards siting that I have too many recent credit inquiries. I have had quit a few inquires when they approved me for the card nearly 2 years ago. Last year I took advantage of a lot of great credit card offers. The point is I had many inquires at this time last year and they did not close my cards. Only when I sent a secured message expressing concern about how I have been getting treated by Citibank they close my account. The solid proof I have that backs up this claim will come forward in a lawsuit. And it will prove because of my age and background that Citibank has discriminated against me. The account closure is just added proof. All my Citibank 's accounts were in good standing. I hardly used the cards. I did have a credit balance on a couple of my Citibank cards. I had to call Citibank and request a credit balance refund. I just want to make consumers aware that they need to be cautious when doing business with Citibank. They discriminate against minorities and others to the full extent. And there are other banks out there that are better to do business with that do not discriminate against you because of your age or color of your skin.

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 2018-03-20
Company: Direct Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has called my phone threatening legal action. Today they contacted my work phone, and never disclosed who the debt was with, but left an account number and told me to go online to make a payment now, and to not underestimate the actions that can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
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:
In XX/XX/XXXX I was a self-employed home inspector. The housing market began a sudden decline and as a result I started to become delinquent on my bills. I received a check in the mail, from Beneficial of Ohio, in the amount of {$5000.00} along with a letter stating that, Records indicate that I may need some financial help at this time and all I had to do was sign the back of the check and cash it to open my account with Beneficial Finance. I thought the low in the market was temporary and so I took the offer. 
Once I got behind on this loan the fees and interest rate started to build up at a very rapid pace and no matter how hard I tried to work with Beneficial the fees and interest kept outrunning anything I could do. In XX/XX/XXXX Beneficial received a judgement against me for the amount of {$6100.00} which was far more than the amount I owed on the original loan in which I paid on for a couple years. I tried working with their attorney, XXXX XXXX to no avail. They refused to accept any and all offers including an offer in XX/XX/XXXX for the full amount of the settlement. They have now filed for a Revivor and said that I will now have to pay over {$13000.00} to settle this amount. 
This original loan was predatory in that they knew I was having difficulties when they made the original offer and they have continued this predatory practice ever since by adding fees, cost and interest that make it impossible to ever pay off. 
I had a total of 9 creditors in XX/XX/XXXX and was able to avoid bankruptcy by working with each and everyone of these creditors. Some settled, some differed interest and penalties as long as I made regular payments, but I was able to work with them to do the right thing. I attempted to do the same with this company only to be called names and be told that they will get all their money plus much more by XXXX XXXX, who works for XXXX XXXX, the attorney Beneficial uses to strong arm their clients. 
I have never denied owing them the money I borrowed and I have tried to work with them time and time again yet they continue their loan shark type tactics to increase their own profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by Portfolio Recovery Associates, LLC. this company on XX/XX/2019 called to collect two debts that were supposedly owed by me.The first account was for {$290.00} and the second account was {$700.00} I asked the customer service representative what address did they have on file for the debts. The address he provided was inaccurate and i had never live there before. He explained that i could dispute the accounts due to no knowledge or evidence at the present time to state the proof. He then proceeded to state that he has to read out a disclaimer stating the process of the dispusting of the account ; the creditor can not sue the consumer for the so called debt. 
After a little over a month, On XX/XX/2019, I received in the mail a letter from the debt collector showing how only one of the accounts was valid and accurate. In the envelope there was copies of bills that were sent to the inaccurate address that was on file. That is not accurate proof to show that I owe a debt. Portfolio Recovery Associates is to provide a copy of signed with signature, contract or agreement. Failure to show accuracy of the event has resoluted me to file a complaint against the company. Also. there was no valid validation stating that the other account was mine, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This is regard Citibank, There was about 6 transaction ... ..that came from XXXX XXXX which is Frad because i never used my Citibank card that has to do with XXXX ... .The only suspect was probably when i went to the drive through to despite my money around XX/XX/XXXX there was a man ( with no car ) playing with the ATM at the drive through, for what reason he was doing there ; i don't know maybe he hacking into the machine ; i don't know but i want my money back!!! there a COVID-19 issues and i need my money ... 

I have also looked up on what XXXX XXXX is, it seem it's been going around and stealing people money ... without having to used your credit card ... so there is hacker out there ; around this horrible time of moment, stealing people 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 2018-03-20
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Nordstroms account XXXX. They placed my account on hold telling me I needed to go into a store and show ID which I did on XX/XX/XXXX or XX/XX/XXXX in XXXX, TX. I was then told on XX/XX/XXXX that they couldn't verify my Social Security number and they were waiting on information from the Social Security Administration. Well fast forward I was told to go back to a store with my SSN and Photo ID which I did and then was told I needed to mail it directly to them. Which I find a little odd seeings how the mail can be lost. I called customer service only to be told I only had a certain number of days to send in the information and since I didn't the account was closed and can not be reopened. This was on XX/XX/XXXX that I was told to go into a store and on XX/XX/XXXX is when I went into the store. I was never told beforehand to send in copies of the information only told to go into a store. Now the account is closed they will not have it reopened. I received a letter dated XX/XX/XXXX saying the account was closed because of information on XXXX however nothing has changed at all. What I find odd to is they had just increased my credit limit on the account so if something was wrong on XXXX then why would they raise my limit from {$13000.00} to {$15000.00}. I wish to have the account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-28
Company: Experian Information Solutions 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:
On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the matter.

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 2021-02-03
Company: TRUIST FINANCIAL CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a used car XX/XX/XXXX with the first payment due XX/XX/XXXX in the amount {$470.00}. The finance agreement was for 72 months which ended XX/XX/XXXX. I paid an additional 4 months with the last payment send in XX/XX/XXXX which covered deferred installments during the life of the loan. I completed the 72 months and the contract amount of {$34000.00}. 

When I called to get information on my account, the automatic system stated that I had a payment of {$3100.00} due XX/XX/XXXX. When I called to get access to my online account information, it was described to me as an " end of contract '' payment. I requested an explanation of the additional charge with their online customer service with no response ; I sent XXXX Priority Mail letters to their XXXX, NC headquarters for the President, XXXX XXXX XXXX and their COO - no response to date. I submitted a review with Consumer Affairs which was forwarded to the company for a response - no response to date. I reported this as a fraud claim with FTC today. That's when I found this website for finance problems.

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 2021-11-05
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a dispute with American Express regarding a card issued to someone without my authorization. The other cardholder according to Amex had authority do so which I agree. However, Amex will not say if that person misrepresented my credentials including my social security number to obtain the card. Amex cancelled the card and I removed the person from the account. The card was also sent to an address that's not listed on the account and Amex would not divulge that information. If someone stole my identity and were to request card to another address won't I have the authority to know and being notified. Amex wouldn't answer that question. 

Few week later, Amex cancelled all my cards ( one personal, and two of my business cards ) citing member policy violation. I was not notified of the actions. The letter stated that I am responsible for any charges as per cardholder agreement. 

My personal card was subscribing to ebill through my bank and payment is made automatically two days before due date on the statement balance. The other two business cards have auto draft setup to be paid two days before due date with Amex. 

I have been paying Amex this way for a number of years ( personal card for 17 years ) and business cards for about 5 and 1 year respectively. I have never been late on any charges and never had any late fees or unpaid balances. 

Upon closing my account, my past month drafts went as usual through normal means and I was hoping that the final statement of the closed accounts would follow suit this month. However, Amex without giving any advanced notice either to pay the amounts on closed accounts immediately or make alternative payment methods as it won't send any ebill or draft money from my business accounts, all my three cards were sent to collection and I received email that my cards are overdue. 

This is absolutely not true. One card was scheduled to be drafted on XX/XX/XXXX by Amex was also sent for collection. I am unable to reach Amex and question their motives and why I was not notified in advance about paying the bills directly or that they won't draft it automatically. 

I can only see a sinister motive to ruin my credit and take making a corporate statement. 

My calls to AMex are sent to a voicemail once my card number is given and no would return or take my call. 

I have the proof of my auto draft and all my payment records. Online Amex shows that my account is still fine that there's no past overdues but still it was sent to a collection agency. 

I have paid all of the outstanding amounts immediately. What Amex did was totally irreprehensible and they should be held accountable for any impact on my credit due to their irresponsible actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have several accounts listed on my credit report that are not mine. I have contacted all 3 credit berueas and ask them to provide physical proof of the debt owed and none of them adhered to my request. I also contacted the direct companies alleging I owed the balance and they also could not verify that I was the person insued to this debt. Many have even admitted it was a mistake. I need help to remove the following items off of my credit report.

XXXX : ( XXXX  ) -XXXX  XXXX XXXX.XXXX XXXX XXXX XXXX XXXX , Amount owed - {$150.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX   Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX  Amount Owed - {$760.00} Acct # XXXX  XXXX : ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl Amount Owed. - {$600.00} ACC # XXXX  ( XXXX ) -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX - Amount Owed - {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il Amount Owed - {$440.00} ACC # XXXX  Transunion : XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX  , XXXX Amount Owed XXXX ACC # XXXX  ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX  XXXX Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Amount Owed - {$760.00} Acct # XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Acct # XXXX  Amt. Owe {$190.00} ( XXXX  ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Balance : {$190.00} Acct.

( XXXX ) -XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX Amt. {$1300.00} ( XXXX ) XXXX XXXX XXXX  ACCT. # XXXX Amt. {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL Amt. Owed - {$1700.00} Acct. # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MN XXXX Amt. {$1000.00} Acct. # 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