BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-12-21
Company: NRA Group, LLC
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: Old information reappears or never goes away

Complaint:
All dates on accounts are almost showing present, no one can provide a contract with a ink signature showing I opened or have Any connection to the accounts and the ones are mine are from 2011 and prior far to old to be showing

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, Trans Union, XXXX and XXXX to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.

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 2022-01-09
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased gift cards called " XXXX & XXXX ''. One was purchased at XXXX XXXX on XX/XX/XXXX The other at XXXX on12/18/2021. Each card had {$25.00} on it. The website on the back o the cards is XXXX but this is the corporation : Blackhawk Network California , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX On XX/XX/XXXX I tried to use the cards at XXXX XXXX XXXX in XXXX CO and both cards were declined. The next morning, I went to the website to check the balance and the link for the balance check did not work. I tried XXXX different computers. So I then called the number on the card. First I verified that there was {$25.00} on each card which there was. Then I spoke to a customer service agent. I recorded the call, as they disclose that calls may be recorded. They looked up the card and saw the declined transaction. The agent said it was declined because the purchase was greater than the amount on the card. I replied that every gift card I have ever used, ( whether it was purchased or given as a store credit ) will apply the amount of the gift card and then if there is still a balance, have that paid by another form of payment. She informed me that these have to be run like credit cards and that it does not permit you to " split the payment ''. I replied so I have to spend exactly {$25.00} to use this card or spend less and then leave money on the card that I will not be able to get off of the card unless I then spend that exact amount? She said yes. I stated that credit cards do not work that way. I own a business, I take credit cards and I can apply an amount to a card and then get a separate form of payment. She again said that the cards do not allow to " split the payment '' I replied then don't tell me it works like a credit card because you can split a payment with a credit card. I then asked her to tell me where it disclosed to consumers either on the gift card jacket or on the website that payments can not be split and that it has to be used for the exact amount or under the value of the card. She states that is says it has to be run like a credit card. I repeated my questions because that was not an answer. She did not have an answer. I asked her if she realized that these cards do not work like a gift card or a credit card and people can not get their money off of it in the way that is implied by calling it a " gift card ''. I asked her if she realized that this is a nationwide problem with people using these cards and she got very quiet and said yes. I then thanked her for her time and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
SunTrust Fraud Department XXXX Ext XXXX, From : XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2021, XXXX XXXX  EST Subject : RE : Affidavit for SunTrust Thank you for the signed affidavit. The bank of first deposit will also need proof of alteration in order to process you claim. 

** When emailing the affidavit back PLEASE include proof of alteration, which can include any of the following : Carbon copy of check, scanned image of check before alterations, invoice, bill, or any other supporting documents. ** Your claim will not be submitted without proof of alterations, no exceptions** This was the email sent to me by the Fraud Department at SunTrust , XXXX XXXX wants burden of proof of the fraudulent withdrawal of my checking account from any unknown subject who stole my check from the mail, white washed the check and filled in the amount of XXXX, causing financial destruction and employment not only for myself but for my son. I have now been fighting SunTrust to get my money back, which I might add was a loan to move for employment, now I am responsible for the payback and interest of this loan. Now my son lost his job, I lost my interviews, could not move, am devastated financial because they also deposited my Social Security check in the old account even though they said to come to bank and they would transfer to new account, when I got there they said they did not know to transfer. Talk about criminal activity this is an inside job, from XXXX XXXX  and SunTrust, not to mention the US Postal Service, must be a gang. Now I have the burden of proof that I took out a loan to move and not wrote the check to someone I don't know and for what? This is criminal and someone needs to be pay, I have suffered.

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 2017-10-25
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At the end of XXXX XXXX I called in to discuss my account with a rep who worked with me and stated that I would get credited the fees and interest that had been charged. I was reviewing the account and submitted a question on this last month but have not heard a follow-up on this. At that time I had interest charges on my account of {$22.00} and the credit posted to my account was for {$15.00}. I was following up on the additional credits starting on XXXX XXXX and have had numerous follow-up messages. Because of the credits not being processed this caused me an additional late fee of {$25.00} on XXXX and two additional interest charges of {$0.00} on XXXX and {$0.00} on XXXX. 

I am looking for a total credit of {$25.00} late fee plus interest charges of {$7.00}. 

I have sent approximately 8 follow-up messages on this issue and have had nothing resolved.

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 2019-06-28
Company: Experian Information Solutions Inc.
State: NC
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 begin a dispute with Experian on XX/XX/2019 in regards to a bankruptcy on my credit report. The bankruptcy filing was identity theft. Experian stated that they validated the information however I contacted the courts and they advised that they do not report any information to credit bureaus. This bankruptcy has been removed from XXXX  with me providing the proper information however Experian refuses to remove after the proper documentation has been provided to prove otherwise.

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 2018-12-21
Company: Servis One, Inc., Titusville, PA Branch
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Director Of Operations, I agreed for a Deed In Lieu arrangement and was promised $ XXXX for moving assistance. Now 90 days has passed with-out any update or payment. Still I request for the FTC and CFPB to start a investigation on this firm : XXXX XXXX. I am requesting the payment be sent to me via USPS with a tracking method. Nationally a deed in lieu ends after 90 days. At the moment, I feel they aren't fulfilling their promise to pay. The forms and keys have all been given to XXXX XXXX. I must insist they honor the promise of payment as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/18, I received a summons from the county sheriff regarding a debt that is over 10 years old which has not appeared on my credit report to have a judgement filed against me. The company is Crown Asset Management and I have never received any notification from them regarding any debts owed until today. When I attempted to contact them several times I was unable to find someone who could give me any information and was threatened with a garnishment which the summons also states. They are being represented by XXXX XXXX  XXXX law firm out of XXXX Ga according to the document and are trying to collect on a debt which is outside it stature of limitations as the debt is over 10 years old and i dont recall owing this. They have not provided any information such as the original contract with the original creditor or the account number for me to research. The company refuses to validate the debt and/or follow the law regarding the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a store card that was approved, however the bank that issues the card linked me to a previous address from a card I had with them Instead of the correct address used on the application in store. They have sent my card and other documentation to that previous address. I called the 3x and went back to the store that I applied for and made my purchase through. They want me to send a 5 sec video of myself and my iD along with a current utility bill through a link they text me to my phone which I refused all 3x. They will not correct the address but said they will send a letter with a pin code to verify me to that previous address. I asked them not to send documents there, I cant access the account online and they have done something in my eyes illegal by using an address I did not give them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A Citibank XXXX card was opened in my name back in XX/XX/XXXX by a family member without my permission and was illegally used. The ending charge-off balance was over {$700.00}. I filed an ID theft complaint not long after the account had shown up negatively on my credit report and the account was removed around XX/XX/XXXX. Unknowingly the account was posted on my XXXX credit report around XX/XX/XXXX. I only found out about the negative item after I applied for a mortgage refinance. While my refinance was successful, the account caused my credit score to decrease and made my interest rate higher than it should of been. Needless to say, I was furious at the fact that Citi/XXXX would repost an account that was already deleted. This item still stands on my XXXX report and I am demanding that Citi/XXXX remove this item. The account number begins with XXXX ... .. under the name XXXX 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 2020-12-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for a Citibank credit card on XXXX XX/XX/2020. The Double Rewards Card. Completed the application on-line and the customer service representatives claimed that I would receive a letter in the mail regarding approval and/or an e-mail. There website claimed you can check your status by entering your telephone number or by the assigned applicant numbers provided by Citibank. I can't get a straight answer from Citibank regarding approval. I have not received a letter regarding approval or a denial, it's been over 30 days and I didn't appreciate the false advertising regarding a status update which never occurred after entering the customer applicant numbers provided by there credit card division. 
Desired Settlement : Other ( requires explanation ) Citibank needs to remove there false advertising claim of 5-7 days regarding credit card processing. There customer credit representatives should stop telling applicants to expect a letter or e-mail from Citibank regarding a decision. There credit division needs an overhaul and should be fined for telling the public exaggerating, untruthful, misleading advertising statements and stop putting customers on hold while pretending to view the applicants credit application. 
Complaint Details Nature of Complaint : Customer Service Issues Date Problem Occured : XX/XX/2020 XXXX XX/XX/XXXXDate ( s ) Complained : XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXXXX/XX/XXXX Salesperson : None Provided, None Complaint Details ( cont. ) Product/Service : Citibank Double Rewards Credit

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 2018-12-21
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Resurgent Capital Services Original creditor : XXXX XXXX XXXX XXXX ID XXXX Amount {$340.00} Customer service department I am disputing the validity of this debt. The dates are incorrect. 
XXXX XXXX XXXX XXXX XXXX has parked an old debt on my credit report and is Reporting it as a new debt, reaging my original debt. The date has been altered. As per enclosed letter from Resurgent Capital Services they can no longer sue me for this debt because of the age of the debt. The age has been adjusted making it appear only 3 years old and it is still posted on my credit report. This is in violation of the FCRA Act. I'm disputing this debt with you and with the credit reporting agency if these dates are not corrected I will be forced to sue for these violations along with actual damage, punitive damage, attorney fees and cost. 

Copies to : File a complaint FEDERAL TRADE COMMISSION Headquarters Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX Telephone : ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: SC
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:
I have contacted XXXX  several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was utilizing paypal to do business on their platform for my XXXX XXXX XXXX XXXX. We were XXXX XXXX to a XXXX XXXX  company and had made two transactions. On the third transaction paypal excepted my money in the account on their behalf, and automatically locked my account. I now had no money and i reached out to them that i had an emergency and i had no funds or fuel and needed to get to the hospital, and they said they were sorry my funds were on hold for 180 days. I reached out to my state congressmans office and the contacted them however said i made illegal transactions but i did not, and they better get most sellers off their platform if this is the case. 

They emailed me saying my funds were available but only available to view. i have no money bout to be kicked out of my house, and can not purchase products to sell because paypal has appx {$6000.00} of my money. I have noticed the account balance has dropped by appx {$180.00}

Company response to consumer: Closed with explanation