BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor : Car Care One attempted to charge me for some unknown service many years ago. I disputed with the company about this false charge stating to them they had no proof of me ever authorizing such a charge, and requested that they some me proof. They could not. The matter seemed dropped. This was approximately 6-8 years ago. This is, and always has been, a false charge. I have no paperwork from this company. They never sent any. 
The issuing bank : GE Moneybank Apparently they have dug this up and sold this false charge to the collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX They never contacted me all these years. Now the erroneous charge is nearly doubled with interest. 
The original amount : {$600.00} Interest : {$500.00} for the total of {$1100.00} It was a fraudulent charge then, it 's a fraudulent charge now. Again, they could not provide any proof that I ok 'd this charge for an unknown service. 
I have no contact information for either Car Care One nor GE Moneybank

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 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i usually use my bank account for business, i use XXXX  on the account and trade bitcoin etc. one of my customers sent me a payment to my XXXX  so in return i am supposed to send her bitcoin  in return which i did, but she reported my bank right after requesting the money she sent multiply times .. sshe reported my bank and my bank of america locked me out of my account.. i dont know why anybody would be so cruel to do that, anyways now im locked out of my bank account and i tried calling my bank to resolve this issue but the representatives said my bank was closed, and i have pending payments sent too my bank already, im here to report the woman that did this for fraud ( an attempt to defraud me of a {XXXX} ) and secondly get back my bank of america..she has a ponze scheme with bitcoin.. the gmail she used to send and request the money back is ( XXXX ) her name is 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 2021-11-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
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:
XXXX XXXX XXXX was paid off in full in XX/XX/XXXX. Nissan Finance never sent title to vehicle. Went to the XXXX to request title and was notified Nissan Finance had requested the title as a paper copy in beginning of XX/XX/XXXX to be sent to an address in California. Have called several times to resolve this. Vehicle is sold and can not complete sale as they are holding the title to a vehicle I paid for! No reason as to why this was done this way and this should be illegal! Have been told it will now take 20 business days to get the title in the mail and I have already purchased a new vehicle and can not go through with selling this one due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I sent a domestic wire of {$100000.00} to my daughters ' account who banks with her bank. The routing number was to her " XXXX XXXX '' Account instead of her XXXX  account routing number. Her bank has ignored my bank 's SWIFT Messaging for return of those funds from XX/XX/2022, XX/XX/2022 and XX/XX/2022. They have also ignored Traces. There have been no responses from her bank at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America card Credit card! So Many times I spoke to again yesterday -- -- -- - saying and adding intrest on a card lost in XXXX of last year! I have been making pays on the {$1500.00}, I took as cash advance in XX/XX/21! XXXX is all I pay on! period trying to collect {$3600.00} plus intrest for a card that was lost! I am a XXXX XXXX and this is crazy!

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 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
since XXXX bank of america has charged my credit card account to XXXX do not owe B of A XXXX say they revoked my previous fraud award monioes this year XXXX some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXX originally tried to purchase the 3 days of XXXX with bankamericard which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for male XXXX enhancement drug which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31
Company: Direct Recovery Services, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called repeatedly over the course of a week from Direct recovery services LLC. Ive received about 2 voicemails claiming they are looking for a person named XXXX and it said if I wasnt XXXX ( which I am not ) to disregard the message, yet, they continued to harass me and leave back to back phone calls from several different numbers. Ive tried answering once and they hung up without saying a word. And when I block a number, a new one shows up. Ive received about 9 calls since XXXX am this morningits now XXXX pm. I would like to be left alone and will be filing a harassment lawsuit if this continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Can not reach this reporting agency to conduct a proper investigation of derogatories put on my report fraudulently! 

Yesterday I was notified by one of my credit monitoring services that a third party had placed on my report fraudulently derogatories! 

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt...

Then used The account that they referred to as the third party ( XXXX  ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 


Said debt was charged off the punched by XXXX XXXX XXXX... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 

Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX! 


I tried several times to place a dispute on line with negative results! Please remove said derogatories from my credit report with all three buearus 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 2023-03-29
Company: EQUIFAX, INC.
State: NV
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 received a copy of my credit report and seen a lot of inaccuracies. I filed identity theft with the XXXX XXXX police after realizing i was a victim of the crime. I 1st tried to settle the problem with the credit bureaus directly. I sent the all the documentation stating the situation and nothing has been done. I have not received anything of it being settled or deleted. I have provided information that my information has been in multiple data leaks. Enclosed are all the documentation as well as tracking receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a 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 2022-03-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a 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 non-monetary relief
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a Citibank thank you premier card in XXXX XXXX. My whole experience with the card has been polluted with numerous instances where my card goes under review, I call up to resolve the situation, then it goes under review once again. Often this secondary review happens within hours after clearing the card. And each time, I have to spend hours on the phone to resolve the situation. This has happened almost weekly for the past XXXX months. When I call them they make promises that theyll call me back within XXXX2 business days. To no ones surprise, that call never comes, and I have to reach out to them again, only to have the same promises made, and the cycle continues. A little more than a week ago, I spoke to a supervisor who assured me that the issues are resolved and that this wont happen again. Foolishly, I believed the supervisor. To his credit, the card didnt go under review again until a week later, the longest time the card had not been under review between reviews. Alas, however, the review came. And after spending XXXX5 hours of phone time ( mostly in hold ) with them today, holding my XXXX so I wouldnt lose service in the bathroom, I am sitting here with promises of a call back that will surely be broken once again. This is beyond frustrating at this point. And I have not even been able to use my card so I may not be able to hit my minimum spend amount required to take advantage of their sign up rewards bonus. Speaking of which, I did not receive my thank you points for the second month of spending until I had to call the thank you points line to have them adjust it. I imagine that this hold is the reason for it. I anticipate that being the case with this month, once again.

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 2020-04-25
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Appx XX/XX/2006 I purchased a home for XXXX and financed XXXX, so I was required to pay PMI, I am currently at XXXX I have requested the PMI be closed multiple time since reaching my 80 % purchase price but have been denied every time. The loan servicing has changed hands multiple times and one company has even been in some sort of trouble. I have sent information from your website but they don't seem to care. I was in bankruptcy for the 5 years and they wouldn't even talk to me. I did not include this property in the bankruptcy, I made all payments outside the plan and on time. Please help me get this PMI canceled and a refund of multiple years of over payment Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Activehours
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Active Hours said it would take up to 3 days to verify my bank account, and it 's been a week now. They deposited XXXX small amounts into my account to verify it is a real account, and still it is unverified, and I 'm also pretty sure the amounts have already been withdrawn by now, so it should have finished verifying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX and Experian is reporting inaccurate information. Ive sent in documentation, police report and a copy of XXXX to XXXX and experian XXXX and XXXX. And XXXX and Experian will not comply with my demands. XXXX has already removed them already. XXXX is reporting inquiries twice of the same inquiry. Im not suppose to have no inquiries. I havent applied for no credit. XXXX is the only company reporting accurate info. 

XXXX : is reporting Accounts : XXXX XXXX Inquires : All of them inquiries Experian : is reporting XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX needs to be deleted XXXX XXXX XXXX is reporting inaccurate. Company is paid in full must delete.

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 2022-03-31
Company: CITIBANK, N.A.
State: GA
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 contacted Citibank repeatedly over the past 2 months. 

XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} Post transactions show a XX/XX/2022 date. The first entry show a posting date of the XXXX or XXXX. I am in agreement with this charge. 

The second transaction posted a few days later, on XX/XX/XXXX. This is the duplicate charge that I have been disputing. 

Citibank has not been forthright and has been deceptive. 

Despite the obvious error, Citibank is absolutely refusing to take action. 

Judging by recent complaints, this seems to be consistent behavior for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You

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 2022-03-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello - I signed up for a trial of Experian XXXX XXXX XXXX but when I tried to cancel it I was put on hold for XXXX minutes and then had to hang up. I am on hold again as I write this -- so far I am on hold for XXXX minutes. I have written to their offices in XXXX XXXX, CA and XXXX, Texas trying to resolve this rather simple matter. I will attempt to attach copies of these letters. 
I seek a refund of {$24.00} and more importantly want them to stop billing my credit card. 
The real crime is amount of my time they have wasted. 
More informally, this really smells of " scam ''. 
I am considering bringing them into a local court and also notifying my XXXX Congressman and and my XXXX Senator. I have a strong suspicion these guys are routinely ripping off Americans.

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