BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was booking airline ticket via XXXX XXXX website on XX/XX/XXXX following offer showed up. Please refer to attached document ( screen print taken from XXXX XXXX website ). I applied for credit card as per offer then after meeting requirement when I didnt see the credit of {$250.00} and XXXX bonus miles reached to Citi credit card through which XXXX XXXX issued the credit card. 
Citi informed me since I got offer in past 48 months this offer is not available to me, however that information is not shown anywhere in the XXXX XXXX website. When I complain this issue to Citi for investigate and honor the promotion they offered me as curtsey one time they can give XXXX bonus miles. I registered complain number with citi that is # XXXX. I have not heard back from Citi until XX/XX/XXXX so reached them they Citi said we cant offer promotion since it was given in last 48 months. When I told representative, I know that is what earlier representative told me when I open my complain # XXXX my complin is to investigate issue with XXXX XXXX advertisement misleading the customer because of which I ended up opening the credit card account now Citi bank is not honoring the offer because they have different policy. After several minutes of discussion representative told me since it is from XXXX XXXX promoting go and complaint to XXXX XXXX we cant honor the offer. I need help this issue to be fixed and provide promotional offer to 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 2021-07-13
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting fraudulent inquires, I've disputed the inquiries with letters from the furnishers INQUIRY NAMES AND DATES, XXXX  XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX  FROM XX/XX/XXXX DISPUTES WERE SENT AND RETURNED AS VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : PL 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 2022-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a used vehicle XX/XX/XXXX, payments of {$330.00} monthly, Was working Full time. Made 4 month 's of payments on time. 
Early XX/XX/XXXX Covid -19 arrives. 
Furloughed from work. 
I start recieving harassing calls constantly everyday from XXXX am to XXXX pm, voice-mail s emails but no letters. Until finally my car is repo ed by tow to a hidden place. Was not told where it was until I was forced to pay what the arraignment was.. Repo # XXXX phone # XXXX payment {$700.00} Plus catch up payment {$580.00} Even having paid the calls still came as a reminder, but I felt Harssased, constantly. 
Monday thru Sunday. 
Was called back to work XX/XX/XXXX Back to bi weekly pay, shedualed payments monthly again. 
But previous arraignment was to pay weekly to catch up. Still under Covid restrictions mean while. 
Calling me everyday at work XXXX until XXXX pm, never giving up the harassing and bothering calls, I was frustrated by the methods of the dept collectors. 
I was fed up. Being a used car, I was having some car trouble with the electronics and seat sensors. Fell behind again, but notified the company and we agreed to make catch up payments again. 
Apparently it was put up to re-po and was Repossed for the 2 ND time. XXXX? 
Came back around paid again to get my car back. Emmeidiately, the calls. By this time I'm going crazy, thinking about how to stop this, I posted a blog on their website about how they call to much on the daily if u fall a little behind and if u don't answere thier harassing calls, they tow the vehicle at XXXX leaving u stranded and loose work witch equals loosing money. 
Which ultimately will be another late payment and another re -po # XXXX XXXX XXXX? 
As it stands right now I'm out of work on short term XXXX, recieving Food assistance to eat, going on 4 months behind on rent, no paycheck and Covid is still taking lives here in the US and I've still been recieving these calls from the debt on my " Used '' vehicle not " New '' with almost XXXX miles and # XXXX " Re - Po '' tow XXXX happened XX/XX/XXXX. So they win and I loose, Will not be able to afford to get my used car back this time.

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 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2018-07-24
Company: EQUIFAX, 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 submitted letters in XXXX 2017, XXXX  2017, XXXX  2017 .... These companies still have fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Aspen Yo LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was in default due to illness, We filed a Chapter XXXX in XXXX Bankruptcy Court and paid on the plan for 3 years, We were able to get a short term loan to Buyout the Chapter XXXX, When we received the payoff letter the mortgage company had added {$14000.00} in fees that we had never been invoiced for and were not included the bankruptcy proof of claim. i contacted the mortgage company by phone, also the lender contacted them and the title agency, They were unable to explain what the fees were for, They said they needed to be paid to stop the .sale of the property. The private lender that was helping us paid the fee, I also faxed a letter requesting a breakdown of the fees. 

I received no response to my letter so I mailed it in XXXX to their address for mortgage problems. In early XXXX, I received a letter telling me that they would have an answer within 30 days. i heard nothing back so mid XXXX I sent a 3rd letter demanding the return of these funds, Yesterday I received the same form letter I had received in XXXX saying that would look into it and resolve it in 30 days..This company is extremely dishonest .There is no way to contact them as they don't answer their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is against Account Resolution Service. I have made three attempts for debt validation from this company because my credit is being ruined from bills that do not belong to me. I am a responsible person if the debt belonged to me i would pay it but i can not pay a debt from a place i have not even been too. My last attempt to get this place to validate the debt they said in writing on the BBB website to me that they do not need to validate and that the debt belongs to me. This company is not treating me fairly. Right after i submitted my first dispute with XXXX about ARS in XX/XX/XXXX my XXXX year old grandmother started receiving phone calls from a man impersonating XXXX trying to get her to give them my information. The phone number area code is from the same area ARS is located. I want them to provide me with a signed contract that i signed saying i agree to pay this bill. This company is breaking the law by providing the wrong information to the CRA 's. The original creditor which i also do not recognise says they have no idea about this debt. So what leg does this company have to stand on? I think this company is a fraud. They have over 270 complaints against them with BBB. I think this company stole my identity to try to extort money from me to get a phony debt deleted from my credit score. That will never happen i will never pay for a debt that is not mine.

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 2021-03-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MTR with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 non-monetary relief
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 non-monetary relief
Consumer complaint received 2017-10-13
Company: Innovate Managed Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan was bought by XXXX XXXX XXXX. I called about my payment showing past due. I sent proof i made payment on XXXX XXXX 2017 and account should be updated. Reps and managers have been rude and have attempted to collect even though my loan is not past due. Also receiving calls via auto dialer even though i have specifically advise then not to call me cell phone in the dialer. I have called several times to have issue rectified.now i am facing possible credit marking about this. I will file a Ag and bbb complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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: Information belongs to someone else

Complaint:
I am a victim of consumer fraud and identity theft. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Equifax and XXXX has already placed the security freeze and int the process of complying of my requests. Transunion and XXXX are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Transunion and XXXX will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

XX/XX/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 non-monetary relief
Consumer complaint received 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.

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 2021-04-14
Company: ADVANTAGE RECOVERY SERVICES, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I receive a telephone call from " XXXX with XXXX Advantage Recovery '' stating there was a claim associated with my sister 's social security number. The number she called from is XXXX. This call was made to my cell phone. Another call from the company was made from telephone number XXXX ( which looks like a local number in my area ) to my cell phone and XXXX to my home phone. " XXXX '' attempted to verify the last 4 digits of my sister 's social security number.

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 2022-01-13
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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: NC
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 paid off the account in XXXX and when I received my most recent reports, they are now reporting me late in XXXX on a closed account! 

I have repeatedly asked them in writing to report accurately or remove the accounts but they just seem to ignore me and their responses on the credit report say " they verified that the account belongs to me & reported me 90 days late 3 months in XXXX ''. I never asked them to verify if it was my account, I asked them to remove the late payments in XXXX on an account that was PAID & CLOSED in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. The only account that they stated they had was a XXXX XXXX XXXX XXXX account for {$360.00}. They stated that this account would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX on my credit bureau and it's negatively impacting my score. *see attached reporting documents*

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 2019-04-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was charged a {$38.00} dollar overdraft fee on XX/XX/19 for a {$60.00} draft on XX/XX/19. After the {$60.00} draft on XX/XX/19 the balance shows more than {$1200.00} in the account. The bank 's customer service line says they did nothing wrong. I need help recovering this fee please. {$38.00} may not seem like a lot to the bank but it's a lot to this middle class consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29
Company: Everest Receivable Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Everest Receivable Services contacted me 2 weeks ago via telephone. The agent demanded I confirm my social security number and address. I asked for the company name and nature of the business. The agent refused to give me information and then threatened that a criminal complaint had been files and a warrant was issued for my arrest and that he had been retained to serve me with paperwork at my place of employment. I asked the agent to not contact me and that if the complaint is real to contact me in writing. Now agents have called me at work repeatedly and left messages threatening to contact my employer/payroll and they have contacted family members stating that have a criminal complaint against me and need to know my whereabouts and to ask me questions. My family members have asked for the calls to stop. Agents continue to contact them several times a day. Agents call my cell phone and work number repeatedly in 5 minute intervals.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I was traveling in XXXX & only became aware of this card on XX/XX/XXXX when I first created my account. 

At first I thought it was a scam but then I found that it was a payroll card. In order to see the contents, I had to create an account & agree to terms that were never sent to me. 

I found that there was an initial deposit of {$120.00}. 

Prior to registering my account and agreeing to terms, theyve started to deduct {$5.00} per month from my account for inactivity. 

They made no attempt to notify me & made no attempt to secure my permission before deducting the {$5.00} per month from my account starting XX/XX/XXXX. 

I contacted Skylight/Netspend customer service on XX/XX/XXXX about refunding the fees they deducted without my permission & they agreed to only refund 3 out 9 deductions.

I need your help to secure a refund on the remaining 6 deductions, a total of {$30.00}.

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