BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX, i reached put to DT Credit about an inquiry that shows up on my credit report for XX/XX/19. i did not authorize this transaction and i kept being put on hold. i would love this unauthorized inquiry to be removed. that's illegal to use some one information without there consent

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 2018-03-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2018 we purchased a piece of furniture from XXXX XXXX XXXX in XXXX, NV. We were told it could be delivered to our residence. They had us apply for a credit card through Synchrony Bank to receive 0 % financing. We have gotten notices that it would be delivered. It has not been delivered and yet we can not cancel the order or the card. We have tried to contact the store, to no avail and the corporate office with no help! Consumer Fraud! Please help. The amount for the purchase is {$1400.00}.

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 2021-02-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I spoke with CitiBank XX/XX/2021 XXXX EST about payment structure during the XXXX XXXX AND THE STATE OF XXXX LOCKDOWN FOR 12 MONTHS. 
I WAS TRANSFERRED THREE TIMES AND THEN on the fourth attempt no answer and hung up. 35 minutes of wait time ... This is the kind of service WE THE PEOPLE HAVE TO PUT UP WITH DURING THE LOCKDOWN WITH THE XXXX XXXX? 
THIS IS NOT BUSINESS AS USUAL, ANYONE SAYS IT IS THEIR LYING. 

I have reached out several times to no AVAIL and have not rectified the issues that are plaguing the NATION ...!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment from XXXX XXXX XXXX in XXXX XXXX, CA in XXXX of XXXX. I paid a {$900.00} deposit upon move in. During that time the property was sold to XXXX XXXX in XXXX. When I moved out on XX/XX/XXXX, they claimed I did not pay a deposit even through I provided them proof with a cancelled check. When I moved out, I paid a {$1200.00} termination fee. XXXX is claiming this amount is {$1800.00}. After they had me sign a new lease with them ... .they changed the {$1200.00} amount to {$1800.00}. When I moved out I had the unit professionally cleaned. XXXX claimed I did not clean it and charged me a bogus {$130.00} amount claiming they had to have it cleaned. I had already paid a cleaning service {$150.00} days earlier to clean the apartment. The rental manager ( XXXX ) ( XXXX ) XXXX told me not to repaint or fix small holes for pictures in the walls as I had only been there a short time. I was then charged {$120.00} for painting. I payed what was owed when I moved out including utilities and the termination fee on XX/XX/XXXX. I did not hear from them again until receiving a collection notice from National Credit Systems in XXXX, GA ( ( XXXX ) XXXX in XXXX of XXXX. When I call the apartment office, XXXX, the office manager referred me to XXXX at XXXX XXXX  XXXX ) XXXX I have left ( 4 ) messages for XXXX and he has never called me back. I have left ( 3 ) messages for XXXX XXXX from National Collections and she has never called me back. The collections amount is now on my credit report, and this is now keeping me from purchasing a home. I would appreciate any help to have this bogus charge of {$920.00} removed from my credit report. 
On XX/XX/XXXX, I provided both XXXX XXXX XXXX  and XXXX XXXX a detailed letter explaining the discrepancies that accompanied by check for {$74.00} for utilities owed through XXXX of XXXX. I resent this letter to both parties this month, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

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 2017-08-03
Company: Supreme Lending
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On X/XX/17 XXXX XXXX of supreme lending in XXXX, some how obtain my SS # # illegally and ran my credit report without me having any knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized transaction ( check ) was completed on XX/XX/21 for {$1400.00} from my Citizens Bank Checking account. I reported transaction by phone and in person on XX/XX/21. 

They can not or wont provide a copy of the check. I have met with them and called them multiple times to try to have resolved. 

Citizens Bank is now stating that the hold up is with XXXX XXXX not reversing the charge yet. XXXX XXXX tells them that the delay is because they are very backed up. Citizens Bank has offered a provisional deposit but I have since closed my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Information belongs to someone else

Complaint:
I am asking that you simply instantly erase data off of my credit report that isnt mine. I have filed a police report stating that this account is not mine which my character may have been stolen which I have included with this letter. I don't recognize this account and have never caused obligation with this creditor. I don't know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  stipulated in a CFPB response that they were to notify all credit reporting agencies to erase all student loans from my personal credit bureaus. XXXX and XXXX XXXX did fulfill that request. Equifax missed the opportunity, but there is a possibility that XXXX  did not relay the information to Equifax. Is there a possibility that Equifax could complete the task and eliminate my student loans immediately> A quick response back will be greatly appreciated. Thank you. 

XXXX XXXX XXXX RESPONSE COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from XXXX XXXX XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX XXXX XXXX XXXX XXXX Servicing is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX ( XXXX ) performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: General Motors Financial Company, Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Gm financial repossed vehicle that was not behind on payments. SOLD THE VEHICLE ABD REPORTED BALANCE ON NY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning, XXXX XXXX has listed a medical debt as of XX/XX/XXXX, from XXXX XXXX XXXX as the company who I allegedly owe to. 

I have never received a bill or any correspondence from XXXX XXXX .. going back from XX/XX/XXXX, I am a former XXXX. They only correspondence was my pay stub via email. 

Nor have I ever received correspondence in any form from Capio. I was advised not to call them, but I did reach out to XXXX XXXX and they knew nothing about the bill. 

Nor do they have any signed documents that would permit a outside company to have access to my information, they clearly violated HIPPAA. 

I did dispute this via phone call and mail to XXXX  XX/XX/XXXX, no correspondence was made to inform me of the outcome, clearly the 30day rule has way passed expired since my initial inquiry into the false debt claim made by Capio. 
My request is to have this removed immediately off my credit report as it has caused further negative issues, as I am trying to rebuild my credit post divorce and the bankruptcy that resulted from that situation. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
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:
On XXXX/2015 XXXX XXXX XXXX  appeared on my credit report with a balance of {$870.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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 2020-08-26
Company: ARS National Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent cease and desist letter to collection agency on XX/XX/2020. Received a return letter violating Fair Debit Collection Practices Act.  Then I sent a letter with Affidavit of truth, exhibits and invoice for violating my rights as a consumer, natural person and original creditor on XX/XX/2020 certified mail with return receipt with signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BSI Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BSI illegally took late fees from me during a bankruptcy. Since filing the complaint with CFPB last year in XXXX. They have reversed the credit that they initially gave based me on the results of complaint XX/XX/2020, where they agreed this was not suppose to happen. 

You will notice in the attached exhibit where they rescinded the payment without an explanation. 

This is just many of the illegal practices. If the consumer does not watch out for themselves with debt collectors like this company it will continue. 

Please help me with this if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
over the life of the private loan for my classes at   XXXX   XXXX  , there have been many instances when due to job loss. I was always steered toward non-income driven options. so since  XXXX , my {$5000.00} loan is now at {$5100.00}, even though I have made years of payments. they even raised the interest rate from 11 % to 12 % ... I am not even sure when they did that. today, ( XX/XX/XXXX ) I logined into my accound and noticed the higher interest rate. now its only 1 % but do n't they need to notify me of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I gave my ex roommate a deposit for an apartment share on XXXX of XXXX which was {$920.00} including utilities. She gave notice by bogus electronic means after she had already vacated the apartment and again, without my knowledge, that the lease was up XX/XX/XXXX. XXXX XXXX XXXX  XXXX was the legal tenant on the lease and gave me an illusory tenant agreement which led to a highly suspect eviction and my current XXXX. While my rent and utilities were included in my monthly payments to her- she or XXXX XXXX XXXX  company changed the utilities into my name without my knowledge or consent and now they are attempting to collect and ruin the credit I have been trying to rebuild for years. 

XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY 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 2021-03-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted Wells Fargo in an attempt to close a credit card account opened for me unauthorizedly as part of the Wells Fargo account fraud scandal. I had previously paid off the card a day prior. 

Upon explaining that the account was opened for me in an unauthorized manner, the representative suddenly went off-script and indicated, instead of continuing the procedure to close the account, that their company lists unauthorized accounts ( read : accounts opened illegally in customers ' names by representatives of Wells Fargo ) separately in their internal systems from accounts opened directly by customers. This immediately struck me as indicative of a broader organizational effort to engage in, curate, or otherwise downplay fraud as part of the unauthorized accounts scheme. Before I could press further, I was transferred on to a second representative, who indicated she was part of a customer service department. 

This individual also refused to close the account, instead noting that she was unable to do so. Instead, she offered a " case number '' and indicated that I would receive further correspondence on the issue. 

A full, unabridged recording of the call with both representatives is available upon request. Additional identifying information or essential case details may be provided upon request.

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 2021-03-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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