BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've contacted CitiCard regarding my XXXX  credit card accounts via their online live chat on numerous occasions over the last two months. I paid off my account, over $ XXXX, in XXXX yet they continue to bill me for fees. I've contacted them now at least three times to resolve this, kindly asking for fees to be waived, however I received an email notification and collection call within the last few days requesting payment. The balance on this account is around {$23.00}, which are all fees. When the collection automatic dialer contacted me I selected the option to speak to someone, to which it hung up on me. Again not a good customer experience in the least bit. 

I am beyond frustrated, furious and livid that this has now taken so much time to resolve. It's difficult to believe that three Citi Card associates have yet to resolve this concern. The first one asked me to call some other department, to which their call volume was so high you can't even get through. Then I contacted them back again, and again, but yet I still have a balance of fees. 

In all I want this balance removed in full. Obviously, I can afford to pay {$23.00} but it's the principle at this point. In addition, if my account was reported to the credit bureau over this I will be contacting my attorney to set up a litigation case, and will sue CitiCard. I want this resolved and quickly.

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 2022-11-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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  ) have violated my rights .

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.

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 2021-01-26
Company: De Lage Landen Finance, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When asked how was the amount owed, {$37000.00} calculated, they said they spent too much time on my file and if I don't respond today they will move to legal. XX/XX/2021 They offered my {$7700.00} settlement but I am not sure if original amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I am currently going through the process of buying a home. For over a year, my credit was around XXXX, never low than XXXX. Around XXXX this year, it dropped down to XXXX. There has been no changes in my credit. I still have the same installment loans ( mortgages, cars ) and have not changed any of my credit cards or applied for anything new. I do not have any complaints that would have changed my score. 

I believe this is from discrimination against me and my wife. There is no reason why my score would have dropped by that significant amount during this time unless it was decided based off our age, race or ethnicity. 

I am filing complaints with each bureau for their unethical behaviors and will report this in any way I can to make the public aware.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ID FOR COMPLAINT SENT TO TRANSUNION LLC XXXX I lodged a dispute with transunion against a financial institution. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. 

Transunion is so corrupted that they blocked my review and post on their XXXX page so that the public cant see it. That by itself is enough to prove that Transunion is corrupted. 

I would like to ask transunion how much BRIBE do they receive under the table from these banks and financial institutions???

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 2018-03-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained a copy of my credit report and noticed this negitive account that is not mine. I never done and business with a company named XXXX. 

Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe : Provide me with signed copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2017-09-15
Company: Resurgent Capital Services L.P.
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:
I have sent them an identity theft report as well as a police report to show fraud was done in my name. i have sent this information to the company as they requested and they have yet to respond or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Fraud by D .E AS IN DIRECT EXPRESS FROM XXXX - XXXX. IN XXXX D E. SAID THEY WAS THE ONLY OPTION SINCE MY MOMS CHECK AND MY CHECK DISAPEARED AND CALLS AND CONTACTS WERE INTERCEPTED MAIL REDIRECTED AND DIDNT RECIEVE OUR UPDATED I D, DOCUMENTS OR SECURED AND CORRECT FUNDS ONCE I AGREED TO THE CONSTANT BADGERING FROM D. E. TO USE THE DEBIT CARD FOR XXXX AND SOCIAL SECURITY SINCE THEN THERE'S BEEN THOUSANDS OF DOLLARS MISSING BEFORE AS THIS AND XXXX XXXX USE XXXX XXXX TO OPPRESS AND DESTROY MY FAMILYS FINANCES CREDIBALITY AND FREEDOM AND MY MOM WAS TAKEN FROM HER HOME IN XX/XX/XXXX, HORRIBLY XXXX   XX/XX/XXXX IN XXXX XXXX XXXX XXXX HOSPITAL BECAUSE OF DE NEGLIGENTLY ENABLING ID THEFT. UNFORTUNATLY DE SEEMS VERY FRAUDULENTLY PROFFESSIONAL IF DE ALWAYS PREVAILS IN DESTROYING XXXX FAMILIES AKA VICTIMS EXTORTED FINANCES ARE BY D.E. INSIDERS AND CRIMINALS THAT WORK WITH DE. TONIGHT ANOTHER TWO VALID CLAIMS OF OVER XXXX DOLLARS MISSING FROM MY ACCOUNTS ARE BEING ERRONEOUSLY DENIED BY TEIR 2 AFTER TIMELY FILING BY FAX BY MAIL AND FAX AGAIN APPEALING TO UNJUST DIRECT EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: MN
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 been receiving continuous phone calls of harassment, profane and abusive language, garnishment of all and any bank accounts, death threats and threats of being sent to jail and prison, from XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  Representatives for fraudulent accounts and debts that arent my debts or accounts. The XXXX XXXX XXXX XXXX XXXX XXXX Account for {$500.00}, XXXX   XXXX/XXXX  Account for {$3200.00} and XXXX XXXX Account for XXXX XXXX for {$84.00} is fraudulent accounts and debts thats not my accounts or debts. XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law. The following credit inquiries are fraudulent and unauthorized : XXXX, XXXX  XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and XXXX, has violated my rights. 

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.

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already tried to dispute my collections and inquires but It was never handled so now I just want my collections removed from my account.

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 2020-12-11
Company: CURO Intermediate Holdings
State: ND
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:
This account was opened by someone else using my information theres no way of proving that the speedy cash they keep verifying it is accurate but how can I prove that it wasnt me it was someone using my information. And how does the account balance Continue to increase by one dollar then decrease by one dollar every month? when I am not paying a dollar? is is some sort of unethical business practice? Just proves that I have no control over the account because I didnt open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: RI
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 tried numerous times to dispute the fraudulent information ( I am the victim of identity theft ) with Experian. They are the only credit bureau that will NOT investigate my items and remove them in accordance with the FCRA. 
I have recently contacted my lawyer and we filed and FTC ID Theft Affidavit ( again ) and obtained the police reports I originally filed. ( Experian has all this information ). 

I have sent Experian my 605B letter, ID theft affidavit and all required documents yet none of the fraudulent information has been blocked from my report. This is a violation of the FCRA.

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 2018-03-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For more than seventeen months, I been trying to obtain a loan mod with my current service Bayview mortgage, I explained and documented my hardship, however, servicer never works with me to find any reasonable solution. Recently my last submission was denied and servicer stated that was no loan mod possible to reduce my current mortgage payment. My intention since almost the beginning was to obtain assistance to bring my mortgage current, and NOT to reduce my mortgage payment ; I insisted on this particular point several times but looks that never it was considered by my servicer. 
My investor is XXXX XXXX, my case was submitted using XXXX XXXX XXXX for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Recently, deposited a XXXX : XXXX check. And Chase refused to release any of the funds as normal. With the check in limbo calls to the Chase customer service centre were made to understand the banks intent. 

Attempted cash date : XX/XX/2020 Customer service refused to process the check Customer service denied Supervisor request denied, then granted request. 

Deposited check or fund access granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
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 never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: JPMORGAN CHASE & CO.
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:
Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I am filing a complaint against the CHASE bank. On XX/XX/XXXX, I XXXX XXXX decided to get a patent from XXXX XXXX XXXX. XXXX XXXX XXXX said it would take about a year to get my idea patent. I found out on XX/XX/XXXX after continuously calling XXXX XXXX XXXX that it was fraud. The company is being investigated by the Federal Trade Commission. I know there is no statute of limitation for fraud. I never got my patent. I paid it using my Chase account over the phone. I called Chase to tell them about this incident but they do not want to refund the money that I gave for my patent even though it was fraud. 



The Federal Trade Commission entered a preliminary injunction indefinitely freezing XXXX XXXX XXXX and XXXX XXXX XXXX is the receiver : XXXX XXXX XXXX, Receiver Telephone : XXXX Email : XXXX My complaint is that Chase says that it protects against fraud but I know that is not true because Chase has not accepted my case to be fraud and reimburse me for the money that I paid which a total of {$5000.00} on XX/XX/XXXX and {$790.00} on XX/XX/XXXX. The XXXX was the first payment I made for research to start my patent where I only received a portfolio. I received a portfolio which I took to a patent attorney who said it was not researched well. 




Sincerely, XXXX XXXX Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: GA
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 following accounts are fraudulent and unknown and unauthorized by me. Thess accounts has been appearing and reporting on my credit files. Im demanding the removal of these fraudulent accounts. Please remove the following. 

1. XXXX XXXX {$300.00} 2. XXXX {$1000.00} 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$500.00} 5.XXXX  XXXX  {$60.00} 6. XXXX XXXX {$470.00} 6. XXXX XXXX {$310.00} 7. XXXX XXXX {$730.00} 8. XXXX XXXX {$160.00} 9. XXXX XXXX {$110.00}

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 2018-07-20
Company: Lending Club Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ever since Tuesday XX/XX/18, I have received numerous phone calls at my place of employment from two phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. On XX/XX/18 a gentleman by the name of XXXX XXXX called me at work and said that he works for an attorneys office and he has a client who is in the process of suing me and to call the XXXX- number above with reference number XXXX to discuss further. I asked who the attorneys office was and who his client was and he told me to call the number for more information. I told him that his company is not to call me at my place of employment and I will call him back. He said, Okay sir. The following day XX/XX/18 he called my cell phone and left a voice mail. I called the number back one Thursday XX/XX/18 and spoke with a gentleman who said that his client, Lending Club, was suing me and he was handling the litigation. Ive never loaned with Lending Club and I told him this. He said he is handling The litigation and I told him he can sue me because Ive never had a loan and then I disconnected the call. Today XX/XX/18 I got another call at work from a gentleman telling me that he needs to deliver wage garnishment paperwork to my place of employment and wanted to verify my address which he did. He asked if he can send it to my work address and I replied ; Sure! He asked me if I was worried and I said, Nope. He then told me that i can go XXXX myself. So Im convinced This is some kind of scam but they are very blatantly violating the FDCPA and it needs To be investigated further. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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:
There are addresses that are inaccurate in my file. Kindly remove them right away. 
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 These are not my home address. I never lived there nor received emails there. Please check and erase them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: Arivo Acceptance, LLC
State: NV
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 never authorized this company to run my credit bureau reporting on XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX of 2016, XXXX XXXX posted negative information on my credit history. I disputed with Equifax on XX/XX/2016, and the negative information was removed from my account on XX/XX/2016. Equifax gave me confirmation # XXXX after deleting the negative information from my credit. After one year, the same negative information reappeared under a different collection agency ( XXXX XXXX XXXX ). I filed a complaint with CFPB about Equifax. Equifax responded that the negative information reported by the XXXX XXXX XXXX was removed from my credit report. Check complaint # XXXX on the CFPB site. The same negative information reappeared for the third time under a different collection agency ( XXXX XXXX XXXX ). I have never received notice of Equifax 's reinsertion on both the second and the third time as the law requires it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Transunion Credit Bureau. Lets correct this immediately. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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