BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank paid an item that was presented as an ACH. They reflected the item paid with a credit balance of several hundred dollars after the payment. They then turned around and returned the item two days later. When the item was returned, it showed that I had a hundred plus dollars more once the item was returned. The item was only for {$59.00} so how was there not enough money available. As well as why did the item never show as a negative which would have alerted me that there was not enough money available. Citibank responded to my concern but never addressed the problem. I was able to get the credit for the NSF fee after calling and speaking with a representative that agreed that they had made a mistake. Citibank needs to own up to their mistake and fix their online account information to reflect charges and credits to show real-time accurately. I clearly had enough money for the item to be paid. The account statement that Citibank sent in their response shows the item being paid with funds left over.

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 2019-07-06
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: Public record information inaccurate

Complaint:
I have disputed a listed bankruptcy on my consumer credit report with Experian that is missing most of the information and listing incorrect information. Experian has not conducted any investigation per the FCRA to obtain first-hand knowledge of the record. They have advised me that their source of information is the bankruptcy court. However, I have a letter from the bankruptcy court that states that they do not provide this information to any credit reporting bureau. This just further shows that Experian is not conducting investigations per the FCRA. They are instead " parroting '' information from some third party such as XXXX which is 1. Not first-hand knowledge by Experian and 2. Not verifiable information due to the bankruptcy courts only providing the last 4  of any debtor 's social security number. It is impossible to pinpoint this case on any individual without the full social security number. 3. The record on my consumer credit report is missing the Plaintiff 's information, the dollar amount of the alleged discharge, and the proper reporting of the court, city XXXX county, and state that is required per the FCRA and USC Chapter 11 provisions.

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 2015-07-03
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert on my credit profile showing a hard inquiry has hit my credit report from a business in XXXX FL NCC. I have never received anything in the mail giving me a Chance as a consumer to dispute a debt or to prove me the debt is mine. This is unfair and unethical. This is a repeated pattern with all of the reviews I have read about this company. I contacted NCC immediately and they could n't not tell me anything. This has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter from EOS CCA in reference to an alleged amount due to XXXXXXXX XXXX for {$68.00}. To my knowledge, I have never agreed to do any business with EOS CCA. As of my right, please provide written validation of any business agreement with your agency ( EOS CCA ) per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2019 I went to XXXX XXXXXXXX and looked at several XXXX. We decided on one I was interested in but wasn't entirely 100 % on as we figured out numbers. They asked if I would like to check credit to see what they could do. I explicitly asked several times to verify what kind of pull this would be, soft or hardpull, and after asking I was told each time that this would be a preliminary softpull. I woke up XX/XX/XXXX to find out they ran a hardpull on my credit. This seems rather unethical and after this I will not be choosing to go with XXXX  XXXX. They tried to rush me through certain steps of negotiation and it left me feeling like something was going on and sure enough ...

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 2018-01-25
Company: N.A.R., 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 have disputed this account in which NAR is reporting on my credit report. This account does not belong to me. I never opened this account. I disputed this account as well with all three credit bureaus. I requested that they validate this account and verify it, I was sent back information saying the account was verified and updated. I called NAR on today XX/XX/XXXX and asked them again to validate the account or I would file a complaint and sue them because this inaccurate information is affecting my credit negatively. I was told by the representative that all they have is an itemized statement and I in turn told her that doesn't validate or verify the accuracy of the information that they are reporting on my credit report. The representative told me that it was up to me to prove it wasn't my account and I adamantly told her that the company is reporting and they by law have to proove it's actually my account and if they couldn't verify it then they had better remove it from my credit immediately and I was informed that they couldn't do that. So, at this point I am asking for assistance in having this inaccurate and fraudulent information that they can't validate removed from my credit report. Thank You my name is XXXX XXXX my social is XXXX my date of birth XX/XX/XXXX the account is Account # XXXX amount in collection XXXX debt collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Avant Credit Corporation
State: MN
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 received a letter from Avant that indicated throughout that I was pre-approved for a loan.There was no indication that their application would require a hard request on my credit or that it would make a difference if there was. They made that request and denied my application. If I can not get that loan based on the information I was given, I want that request removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have encountered with an account that I have never opened. XXXX XXXX XXXX has issued a debt and went into collection its {$1200.00}. I know its not a lot of money but why would I pay for money I never used? Ive been trying to fight this off my credit and I came to find out about these accounts when I got out of my XXXX and logged into XXXX XXXX. I was shocked oh how many inquiries and this account were open. Please help me. My identity was stole and I have attached a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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:
Made payment and company still reporting as delinquent. Made payment XX/XX/XXXX files wrong information XX/XX/XXXX needs to be fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX Account number: XXXXCredit Card Issuer:XXXXXXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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: Account information incorrect

Complaint:
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX Account number: XXXXCredit Card Issuer:XXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,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 2019-07-06
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notice this collection agency on my credit report wasnt aware of this. Stated I got loan on XX/XX/XXXX owe XXXX XXXX and XXXX dollars since XX/XX/XXXX. Since XXXX of this year been reaching out. Sent company a debt validation letter sent me a copy paste contact. Not a signature or dated signature, just computer copy and paste.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FOR THE PAST FEW MONTHS I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. WHAT I DON'T UNDERSTAND WHY EQUIFAX IS THE ONLY COMPANY WHO REFUSES TO REMOVE THE SAME FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. XXXX  AND XXXX XXXX WERE AVBLE TO REMOVE IT MONTHS AGO AND EQUIFAX CAN'T VARIFY THE ACCOUNT. AT THIS POINT I AM NOT REALLY SURE IF EQUIFAX IS CREATING THIS FRAUDULENT ACCOUNT ON THEIR OWN. I HAVE GIVEN THEM THE CIVIL CODES WHICH STATES THAT THE ACCOUNT NEEDS TO BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/2013 {$0.00} paid out. It close account it still on my 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 explanation
Consumer complaint received 2018-12-04
Company: LEXISNEXIS
State: FL
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:
Wrote lexis nexus in Georgia filled form out sent it in. 
They never wrote me back. 
Got declined on several things because of them have no clue what to dispute refused to contact me in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was called by ARS, Account Resolution Services, agent " XXXX '' at XXXX XXXX on XX/XX/XXXX. I was already in a stressful situation as a company I am in good standing with debited my checking account and I was scrambling to resolve the issue of an overdraft. I informed her that I was unable to pay anything at this time due to not being employed due to XXXX for over a year, and now having this debit on my account that I was not expecting so I had nothing to spare anyone at this time. She then stated, " Well, if you have debits coming off your account already that is going to be us shortly. So, what are you going to do about it? '' This in my mind implied garnishment of my already dwindling savings as well as any money in my checking account. As my XXXX are aggravated by stress this did not help the already escalated situation. I was on the verge of rash behavior as it was, and this almost put me at the edge. I have sent a written letter to the company informing them of the agents actions, that fact that I am currently in the process of a XXXX claim with court date pending, and that due to the ramifications of that call all contact is to be terminated. The agent in so many words threatened me, and this has caused XXXX. I have not denied the debt, but at this time and until my XXXX hearing, I can not pay and I don't appreciate being threatened.

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 2019-07-06
Company: Sokaogon Finance, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for an emergency payday loan to pay my light bill. I was approved for {$300.00} on XX/XX/XXXX. It wasn't disclosed about high interest rates on this loan. The payments were set up by ACH each pay period for {$90.00}, which is every two weeks. I have made payments totalling {$420.00} as of XX/XX/XXXX. I am showing a payoff still in the amount of {$380.00} plus XXXX on my next pay date if I decide this.. If not this {$300.00} loan will be paid off after 14 more payments of {$90.00} totalling {$1300.00} This is Insane!!!. A complete Rip off!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I received this loan, I knew that I would get some money to pay it right off the next week and was given a payoff amount after emailing to ask what it may be. I was given three different amounts first it was {$870.00}, the second one was XXXX and the third one was XXXX. These amounts for payoff were all given within three weeks. The loan was for {$750.00}. I have put a stop payment after calling to pay off but was given the run around which didn't allow me to pay off the amount. I would like for them to stop contacting me since they are trying to make me pay more interest by not allowing me to pay them off when I first called to do so. Awful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying for over a month with my wife to open an account for our son with XXXX XXXX   so that his SSI checks can be deposited.

We have submitted information, personal information, such as the award letter and an application with no phone call from the department only an email asking for information like where my son works ( he is XXXX! ). 

We have called multiple times and also tried online chat but no one can give us answers. We provided the information needed and they are asking things like where we want the account funded from, we have several accounts with USAA and our HOI and Auto Ins as well as life and a personal insurance policy, I mean we are not known to USAA?? Or valued enough for someone to pick up the phone? 

We are told that the department that handles representative payee checking accounts does not " take calls '' but the department who is trying to figure out the issues can not see our documents we sent. 

How do we do business like this??????????????? 

Its not acceptable or fair to our son ( XXXX XXXX XXXX ) to be treated this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX XXXX - I signed up for XXXX XXXX card in anticipation for a trip my wife and I were planning on taking. The promotional material I received in the mail was that I would earn XXXX XXXX miles after spending {$4000.00} in first 4 months. I more than exceeded the {$4000.00} in four months but was only credited XXXX bonus miles. I called Citi costumer service and they said that I was never eligible for the XXXX points offer. I read for them word for word the hard copy letter I received in the mail and they indicated I had to send them the hard copy letter, which I did. I called them back after a week and they confirmed for me that indeed I was eligible for additional XXXX points. I said ... great, please credit me them so I can book our airline tickets as the prices / miles for the tickets I need to book have already increased due to their mistake. They simply told me they were unable to do so and the it would take up to 2 billing cycles for the additional credits to hit my account. In my opinion this is simply unacceptable and they are clearly responsible for any costs I incur due to increasing airfare considering it was their mistake and they admitted it was their mistake.

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 2018-01-25
Company: On-Site Manager, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My spouse and I received our discharge from our Chapter XXXX Bankruptcy on XX/XX/XXXX. At the time of our filing, we were staying in an apartment, which was included in our bankruptcy. We were evicted and ended up in a homeless shelter. Fortunately, we were able to enter into a program that would help us stabilize our housing situation and the management company of our new apartment was aware of our bankruptcy. In XX/XX/XXXX, we attempted to move away from our current housing situation because our kids are getting older and need separate sleeping spaces. We applied for a new apartment, totally unaware that On-Site 's rental report included the debt from the apartments from which we were evicted and was included in our bankruptcy. My spouse went to XXXX County in XX/XX/XXXX with our bankruptcy paperwork and received something called an " Abstract of Judgement, '' which states that we were in fact cleared via the bankruptcy and no longer owe any monies to the apartment that we were evicted from. The rental report came back denied, I spoke with someone from On-Site ( XX/XX/XXXX ) and explained this to them, they told me that they never heard of such a document as an " Abstract of Judgement '' and where did the form originate. I let them know that the form originated from XXXX County Courthouse and that I was going to dispute their findings. After speaking with representatives a few times, they chose to communicate with me via email only. On-Site sent me a determination via email and would not return any more of my phone calls. Because many apartments use " On-Site ''  for rental reporting, my family is even more limited as to where we can live ... which is totally absurd and discriminatory. This information should not still be appearing on our rental history, especially since it was cleared via Chapter XXXX Bankruptcy and via the " Abstract of Judgement '' received by XXXX County.

Company response to consumer: Closed with explanation