BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
At the beginning of XXXX, credit bureaus has a massive security leak, and lost sensitive data on millions of Americans. The only thing I can do to protect myself as a citizen, is freeze my credit. My issue, is that all of the credit bureaus are charging for these freezes. Freezes that must be made because of their negligence. It should not be legal for them to charge, because of problems they caused. Also, they have made it almost impossible to use their automated systems for freezing your credit. These credit institutions are obviously taking advantage of the system and the American citizens that make it possible for them to exist. This is disgusting, and must stop ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a 29 year service member who have given years to this country and is being treated horribly by my own organization. I had an account with the Army and Air Force Exchange Service since XXXX and was in good standing until I had an emergency health crisis in XXXX. I had an account balance of {$4400.00} ( XXXX ) with a credit limit of {$7400.00} which I paid regularly. When I had my emergency XXXX XXXX I hired a organization to handle my financial situation since I wasn't able to and unfortunately they didn't keep their policy, took my money, I lost my home and they filed numerous bankruptcies illegally. After I regained my health I became aware of the financial situation the organization put me in and started reaching out to my creditors. None of them including Military Star would not talk to me because of my " bankruptcy status ''. Thankfully the US trustee became involved and took my case to court and won. I tried to reach out and explain several times to Military Star that I wanted to resume payments on my account and they refused to accept my payment due to the bankruptcy situation even though I explained my identity was compromised and those were not legal bankruptcies. I have been charged interest for years without them being willing to take monthly payments from me even to this every month for a situation I didn't cause. My total has risen to {$6900.00} almost {$3000.00} in fees. How is my account in collections but I'm still being charged interest years later? Even before the account was put into collections they would not let me resume monthly payments. It is reported on my credit report that I made a payment in ( yet it isn't reported in the payment block, so many deceptive practices ) XXXX I haven't made one payment since XXXX. When I request to make payment or request documents showing they can charge interest on a collection the representatives were rude, refused to work with me and threatened me ( told me they are the government ). I have never been treated so badly by a business. I have a block on my SSN and can not use the Post Exchange that is supposed to be for me. Now they are also taking my tax returns this is totally ruining my chances of getting a place to live as I am now homeless. Because this is on my credit I can't even get a place to live. I will be filing a complaint with the XXXX XXXX XXXX and whoever else I need to because Noone especially a service member should be treated this way. I am discomposed and disillusioned by XXXX XXXX and XXXX because it is supposed to be supporting the service members and their families.

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 2017-07-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX ,  XXXX . of  XXXX   XXXX   XXXX   XXXX   XXXX  handled the foreclosure matter on our home. We sold our home on   XX/XX/XXXX    , 2 months before the scheduled sheriff sale date of   XX/XX/XXXX    , and  XXXX   XXXX  asked for and received the sellers disclosure on   XX/XX/XXXX    . We also signed a confidential settlement agreement that  XXXX   XXXX  prepared. However,  XXXX   XXXX  refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to  XXXX   XXXX  to cancel the sale.  XXXX   XXXX  still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get  XXXX   XXXX  to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them.  XXXX   XXXX  's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB.  XXXX   XXXX   XXXX   XXXX   XXXX  is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both TransUnion and XXXX. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.

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 2019-06-14
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medicredit is attempting to collect on an account that has a XXXX balance while reporting knowingly false information to XXXX and XXXX against my credit file. 

This derogatory account must be removed from my credit file because on XX/XX/2019, the primary service provider, XXXX XXXX XXXX XXXX, adjusted the account to a XXXX balance. The medical bill has been in constant dispute since inception due to a pending malpractice action I am planning on filing against the treating physician and facility because of their negligence in my care which proved almost fatal. As a result of my prior correspondences with the provider/hospital which details the negligent care by their physician and facility, I demanded any amount billed to be held for naught, which they agreed to on XX/XX/2019. 

As documented on my credit report from XXXX XXXX and XXXX, Medicredit Corp. began premature collections on this account on XX/XX/2019 ( less than six month after the account was created ) without any notification or investigation as to the validity of the debt. Moreover, the account statement ( attached here ) from the primary service provider clearly shows that the account was still in good standing and under their control through XX/XX/2019 when the account was adjusted to 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 2019-05-09
Company: CITIBANK, N.A.
State: MA
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 contacted Citi and opened up a Secured Credit Card for {$1000.00} to rebuild my credit back up after suffering thru some hard times. On or AboutXX/XX/2019 there was a problem and my credit card was blocked. I contacted Citi and was transfered to the fraud department. Citi for some strange unknown reason can not verify my identity altho i have given them what they ask for. They can not or will not use my cell phone number to send the so called text message for security purposes and after a few calls i was told they would send me a letter with a validation code after waiting for 3 weeks said letter never came. I even asked if i could at least make a payment since my normal due date has come and gone and was refused this simple request! Ive never had this issue happen to me before even with my own normal bank, sadly they dont offer secured  credit cards at the moment or else i would have obtained one thru them instead of Citi

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: RAS LaVrar, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from RAS LaVrar , LLC, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for Pa. UC on XX/XX/2020 and was accepted and payments were started for my account, I can check the payments and see they are paid to " US Bank ReliaCard XXXX but they have fail to send me the required Debit card so I can access the funds that are being paid on my behalf, I have called the phone numbers provided several times each day and spent as much as 4 hours on hold with no one ever answering the phone, from what I have read the debit card should have been issued about 10 days after the first payment was made, as of the writing of this letter it has been 44 days, for this amount of time I have had no income even though the funds are available for me but for the lack of US Bank not sending the required Debit Card. I am becoming desperate to try and live with no income because it is held by someone who was suppose to have released access to the funds, anything you can do to help would be great. 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 2020-04-29
Company: PNC Bank N.A.
State: PA
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:
trying to link XXXX  company to my PNC checking account but a security issue is preventing this transaction to take place ( XX/XX/20 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a letter to XXXX and TransUnion on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my priorCOMPLAINT # XXXX and XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-07-31
Company: Grant Mercantile Agency
State: CA
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 am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX,  they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : Grant Mercantile Agency Account # XXXX. Date Opened XX/XX/XXXX Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: NAM National Arbitration and Mediation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company called from familiar area code four times in three days. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them back today. They said they were a company named XXXX and were attempting to stop a civil suit from taking place for my mom, who does not live with me and has never lived at this address. If she did not call them back today, they would be forced to take civil action. I took their XXXX number and passed it on to my mom. I got another call two hours later. Again no message was left. So I called the number on the caller ID, ( XXXX ) XXXX, and got a message saying they were a company named XXXX XXXX and not available. I am not my mother. I have done nothing to deserve this harassment, and after some XXXX of this company, I 'm not sure my mom has either.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
TransUnion had  XXXX  separate glitches and my inquiries were deleted and then re-added to your report once the glitch was discovered. I 'm well aware of your legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me.

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 2021-09-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
... ... ... .filled complaint XXXX and it sounds like you XXXX XXXX are trying to charge me for a problem created my that piece of XXXX manager at the office on XXXX near XXXX closed my account WITOUT my permission because she diced not to assist me on a problem that I went in to try and resolve on my Slate account - I want all charges removed from product that I was not advised I would now be charged for close my security box and have any and all fillings with adverse information removed from any and all credit reports- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: TX
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 canceled my XXXX Dollar XXXX XXXX with XXXX XXXX and informed XXXX Citi Bank that I was charged XXXX on X/XX/2017. 
I had cancled my XXXX Dollar XXXX XXXX before the trial period ended. The XXXX Dollar XXXX XXXX is misleading and I revived no monetary benefit past the trial period. 
I had my Citi card reissued prior to this date so XXXX had presented an charge on a closed account number. Citi reversed the charges to XXXX. When I filed an complaint. 
I contacted Citi when the charge reappeared as XXXX had reversed the charge back on to my Citi Card. 
Now XXXX reports a negative statement filed by Citi and my credit rateing dropped some 50 points plus or minus and I was recharged the XXXX, and it was paid on time. 
Citi also reports a account deficIte with XXXX when the balance of my account is paid-off fully every billing cycle.

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 2021-04-14
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTIONS & LEGAL DEPARTMENT XXXX CASE NO : - XXXX OUTSTANDING AMOUNT : - {$800.00} TODAYS SATTELMENT AMOUNT : - {$580.00} Keeps sending emails, that are not addressed to my email nor do the emails have my name on them. States is a communication from, mailto : XXXX I get at least one of these emails once a week

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Capital Link Management, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls from two numbers : XXXX Call asking for an " XXXX '' ( After finally calling the company back, the communication was EXCEEDINGLY rude, and I was hung up on after asking for them to identify themselves and WHY they continued to call me. Particularly when I had said I didn't know who this person was. ) and XXXX Call asking for a " XXXX '' ( Multiple calls. Final call was with harsh communication stating there had been " several letters sent on letterhead ; very much a lie. And threats of legal action. Also tried to call back, left messages to have them call back and identify themselves, with no response, after I stated I was NOT XXXX nor did I know who this person was. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: MD
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:
attachment # 1 subject of complaint drivers licensed DL # XXXX georgia suspended on purchased date XXXX-2014 attachments # 2 attached XXXX complaint form contractual a dealership plaint not to purchase any vehicles from XXXX XXXX XXXX attachments # 3 this used vehicle could only be purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX general manager XXXX XXXX to conduct a stolen car check. federal truth in lending disclosures civil cover sheet attached cause of action title 15 uscs 1601 findings and declaration deed book XXXX XXXX XXXX county virginia to wit : deed bk XXXX said declaration amened from time to time reason to conduct an investigation extortion {$300000.00} .XXXX permit application case no. XXXX cited XXXX XXXX XXXX use only XXXX XXXX XXXX XXXX XXXX md XXXX the maryland -national capital park & planning commission said land said grantor hereinafter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: CITIBANK, N.A.
State: AZ
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:
In XX/XX/XXXX, I received a charge on my credit card Citi card account for {$700.00} from a vendor that Ive purchased from many times. The sale date on this was XX/XX/XXXX and it was posted to the account on XX/XX/XXXX. I spoke with the vendor and they didnt have any documentation or recollection of new charges. I notified citi card services and they told me that it would be resolved in 2-3 weeks. Nothing happened, I have called them once a month approximately since I noticed the charge initially and they keep getting more info from me and telling me it will be credited back to account within 2-3 weeks. This has repeated for 1 year now, I dont believe they have any intent to resolve this issue and since the vendor has not done this charge and hasnt received this money citi is holding it.

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 2022-02-10
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation