BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 my savings and checking accounts were hacked and 2 unauthorized money wire transactions for {$17000.00} and {$3000.00} were made to XXXX XXXX  in NJ. 
Since then i was not able to get my money back. I've been talking to many people from Wire Dept. and now dealing with Citiban

k Fraud Department. First time i spoke with investigator was only last week. No one since the day one was able to explain to me how these transactions happen and why i did not receive any notifications through email, phone, etc. Why no security questions were asked? The only reason why Citibank Fraud Department is trying to deny my claim is that according to them i " allowed '' or even " authorized '' someone to access my IP.

Customers could take from ATM no more than {$1000.00} per 24 hours. At the same time criminals emptied my both accounts for the amount of {$20000.00} within 20 minutes.

It's something we should not tolerate. I am sure i am not the only victim of Internet crime. 
My case clearly shows that Citibank has very serious security problems. 
I am in the XXXX XXXX XXXX  and spoke to many people who also got robbed but their banks issued a complete refunds and they are really surprised how Citibank handles this case. 
I have XXXX kids and for over a month can not receive my money back. I need to pay my bills and have no time to wait any longer. 
Please take all appropriate measures to protect our banks customers. 
Documents related to this case are attached here. 
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 2020-11-25
Company: Santander Consumer USA Holdings Inc.
State: OH
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 requested that SANTANDER CONSUMER USA # XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NV
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 accessed my credit report for the first time and I am seeing unauthorized inquiries on my report, I have reached out to inform these companies, and have no luck getting them removed. Please remove the following immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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 2018-10-01
Company: N.A.R., Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
N.A.R claims I owe {$1000.00} to XXXX XXXX. This account was paid off at one point, I do not have the exact date account was paid off, however, fraudulent charges were made on it thereafter. I was unable to resolve charges with XXXX XXXX I was paying on the account via auto-pay for several months despite the fraud activity, XXXX XXXX chose to close account and discontinued my auto-pay, sent account to a third party collection agency by the name of XXXX XXXX. I believe they sold account to N.A.R realizing the fraud activity and failure to collect on it. Please advise N.A.R I refuse to pay for charges I did not authorize, this consists of the entire balance which I already paid part of, despite fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Information belongs to someone else

Complaint:
Transunion is not abiding by Fair Credit Reporting Act by reporting inaccurate information that has not been validated or verified. 
Because of this, I have contacted The creditor in which this account is reporting from. 
They researched my name, social security number to locate me and suspects inaccurate information due to no match. 
I ask that this be removed from my credit report. 
The account opened XX/XX/2019 The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Balance {$790.00} Reporting on Transunion Credit Report XXXX XXXX XXXX XXXX ( XXXX name )

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 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/2020 I sent a letter to TransUnion requesting that the XXXX/XXXX  account reflecting on my credit report be removed due to the inaccurate payment history reporting on my credit report. On XX/XX/2020 I sent another letter in response to the update they made which was still incorrect. They removed one of the inaccurate late payments ( 2 still remain ) and then changed the status from closed to charged off. This account was never charged off as it was sent back to  XXXX for servicing and they are currently reflecting the account on my credit report as well.

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 2017-09-19
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Called them regarding the escrow shortage letter that we received and it was promised that they would waive the late fee for XXXX 2017 of {$22.00} and plus sent clarification that the rise in the escrow payment would only be for a year. Neither of those have been done. We had a third party examine our closing disclosure and the escrow payments collected from and paid out by the mortgage service provider and not only are we not short but we have an excess of around {$1600.00}. 
Called again on XX/XX/XXXXand they have been unresponsive to our request for getting this cleared up so hopefully this will speed up the process.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate 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 explanation
Consumer complaint received 2019-03-08
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Issue # 1-Freedom Mortgage-I have always mailed my payments on the XXXXarrive by XXXX..In XXXX the same thing, mailed on XXXX..I went online and saw that it never was applied, on XXXX XXXX I paid online plus the late charge. They eventually found the lost payment and applied it too my account on XX/XX/XXXX. would like to get reimbursed for late charge. 
Issue # 2-XXXX I mailed in {$1500.00}, normal payments $ XXXX.They cashed on XX/XX/XXXX. 
I have made 3+ phone calls to customer service/supervisors, plus emails. Not one could show me it was applied and an extra {$310.00} applied to Principal..They just said I will send you the account history going back to XX/XX/XXXX which I have enclosed. I called back to customer service, and mentioned that I am all good until XXXX XXXX. But after you sent account history and all your addition and subtractions to my account, I don't see the {$1500.00} applied, and I only see 1 full payment applied since XX/XX/XXXX ( when you subtract everything out ) and I have made 4 full payments..After an hour she could not figure it out, went to a supervisor, we got cut off after waiting 15+ min. I called back talked to another person which I didn't want to explain for another hour, told the other lady to please call me back, and she never did. Very frustrating and here is where we are!

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 2018-05-23
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have attempted consumer portfolio on numerous occasions dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX to try to make a settlement on this XXXX XXXX XXXX I that I have with XXXX miles on it. The car does not work and I can't do a voluntary repo because I'm in the process of trying to buy a home. I have spent over {$4500.00} trying to repair the car and over {$300.00} in rentals to get to work and to my son 's school. The car is smoking from under the hood, the car had a wiring blower recall, and it's not worth more than {$1000.00} at other dealerships. I have tried to settle for {$5000.00} and {$6000.00} back in XXXX when the company indicated they needed at least 80 % of the loan amount which I owe {$10000.00}. I said that's impossible the car is not working nor is it worth anything. They kept saying we will have the president review, we will have the supervisor review and then no response. They then add the payments to the back of the loan while they are waiting on this response and never contact you. This company has also been sued recently. Please assist in this matter. 


Now I have received an email today as of XX/XX/XXXX about an EXTENSION- I never asked for an extension. NEVER. This goes to show how faulty and fraudulent this company is! Enough is enough of this company. AND AN ADDITIONAL {$1100.00} has been added to the loan some how as the payoff showed around {$9900.00} last week. 

You can see all the payments I made and how they have been applied. The loan was only for {$13000.00} and I still owe $ XXXX. Something is WRONG! 

They indicated on numerous occasions it was nothing they could do and now they are adding some extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Febuary XXXX - XXXX XXXX  XXXX XXXX XXXX FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE. 
DISPUTE XXXX XXXX XXXX RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy? 
Also according to credit report accurancy, the account has it 7yrs on my credit report as of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated in XXXX of XXXX and received notification from XXXX  about filling out my paperwork for my XXXX Grants. I filled out the paperwork, sent it to my secretary who forwarded it to corporate ( since I was working for XXXX XXXX XXXX, a XXXX XXXX ), and later received notification from XXXX that my grants converted to loans. I called to let them know I sent in the proper paperwork and they told me it can not be changed back once converted. My loans for a XXXX   degree went from {$30000.00} to about {$50000.00} overnight. I talked to them about doing the Public Service Loan Forgiveness and they told me to make the minimum payments since it would all be forgiven after 10 years. I did as they explained and realized it was a huge mistake when I saw my total loan amount going up. Eventually I sought out a higher paying job outside of XXXX because I was unable to keep up with the payments. Today, my total loan amount is around {$55000.00} and I began paying in XXXX. I would never recommend anyone work with XXXX after the way the misled me when I was trying to do the right things and pay my loans back, even after they converted my grants in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: The Receivable Management Services LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Didnt receive any information about debt. Information sold to 3 party

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$260000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}

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 2018-05-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The auto house in my city was scamming people big time it was all over the news and I was one of the customers involved. I went in to purchase a car and they had just got a trade in. They immediately sold me the car without checking the car out. I was promised that if I found anything wrong to bring it to them to be fixed free of charge. After 2 weeks I tried to get them to start fixing some major problems such as no heat, XXXX converter clogged up, and more they failed to honor their word. The car barely ran and I let them take it back. I need them to remove that crap from my credit report it's really hurting 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 2018-05-22
Company: Experian Information Solutions Inc.
State: OH
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:
I have received and email from Experian on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018.

I have never lived in XXXX  nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.

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 2018-05-22
Company: YSA ARM LLC DBA Oxygen XL
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt never occurred Business is out business No refund policies Customer signed form saying no refund policies Company obtained social security fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello Ive requested on several occasions XXXX  debts are validated from XXXX XXXX  and XXXX  or be removed for being falsely posted on my credit. They have all failed to validate the debt or remove the collections from my credit file. I sent two rounds of letters, once on XX/XX/ and also on XX/XX/ requesting the medical records be validated or removed and neither has been done. There are several medical records on my report that I need to be validated or removed, its about 11 collection accounts that need to be rectified.

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