BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: CA
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:
re Citi Thank You Preferred Card master card via Citicards - account number ending XXXX ( now ending XXXX ) on XX/XX/18 a charge was posted to our account for {$140.00} by a company listed XXXX ( out of XXXX XXXX ). My husband 's XXXX " froze up '' that day and the company called him, saying " ... our virus protection had expired ... '' and we needed to buy this protection right away from them, because it could affect the other XXXX and the XXXX, all XXXX products. My husband was wary of the salesperson 's authenticity, so the sales person said our credit card company would call to verify the charge - and, sure enough, our land line rang instantly saying they were Citi cards verifying the charge. He felt that was ok, and ok 'd the charge. He was alone and worried about the equipment, so gave this company our cc #. 

When I got home, I knew instantly it was a scam - we've NEVER purchased virus protection for our XXXX products. You don't need to. But to be safe, I called XXXX and told them all that had transpired, they switched me to the fraud section and were very concerned a company was doing this so cleverly, especially having the presumed cc company call, because XXXX acknowledged no such virus protection is necessary with their products. 

The next day, knowing this was a fraudulent call offering a product under false circumstances, I called Citi for a chargeback. The CS Rep said no problem, we'll do that and send you a new card, because it appears the XXXX XXXX company made three attempts to put it through and now had the number. 

It's now XX/XX/XXXX and no chargeback or further communication from Citi - so, I called today to see what was going on. One CS Rep sent me to their " fraud division '' in XXXX, the second call resulted in the rep saying, basically, nothing could be done because " ... you can't just take money back from a company. '' She switched me to a " manager, '' who said she was going to check into it and put me on hold while I was trying to talk with her. And no one from Citi has called back. I explained what transpired over and over again, even with XXXX response but nothing.

Speaking with Citi is an exercise in futility, and I'm furious at the way we've been treated by several of the reps - with NO RESOLUTION! We've been a cc holder for 20 years and average $ 3-4,000/per month in charges. We're solid customers. They owe us their allegiance, not some unknown company that's shilling false sales information to unsuspecting people. 

We need help from an outside agency for this unresolved problem with Citi cards.

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 2020-07-03
Company: EQUIFAX, 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:
Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

Equifax Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX  account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX  and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The Santander Consumer USA wrote a loan for a used XXXX, and the loan was closed. The NC Attorney General filed a civil action against Santander Consumer USA for the very same reasons that included the used car loan. Both reached a settlement agreement, including the following settlement summary in attachments. The settlement was to remove all the debt and dissolve them from the credit report. The record should from Santander Consumer USA should be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: U.S. BANCORP
State: WA
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:
US Bank charged me annual fee for the card and then closed the card after 2 months. 

US Bank refuses to contact me and verify my identity. 

US Bank refuses to receive faxes from me. 

US Bank charged me money for annual fee and didn't provide benefits that I paid for ( upgrade coupons, 20 % purchase discount )

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 2020-11-14
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Gyms Closed In XX/XX/2020 and charged me after they closed i could not call gym and told direct express this and filed claim claim number XXXX for credit and I called them and no response when I followed up on claim, was given the run around

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX Bank of America was paid {$2000.00} from my checking account at XXXX XXXX XXXX. I had enough funds in the bank and {$2000.00} was deducted from my account. On XX/XX/XXXX, Bank Of America returned the payment as unpaid, and slapped me with insufficient fund fees. But my checking account at XXXX XXXX XXXX never got the {$2000.00} back into the account. So they are gone from XXXX XXXX account and the XXXX says that the Bank of America was paid {$2000.00} on XX/XX/XXXX. The BOA says they returned the payment and I need to get in touch with XXXX if it's not credited back into my account. Both these institutions are holding my {$2000.00} hostage and giving me a run-around for no reason. They blame each other, but they are not willing to talk to each other to resolve this issue. It has been over a month and I could not get either institution to return my money. That's why I am requesting you by filing this complaint to please help me get my money back from these financial institutions.

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 2020-08-22
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:
XXXXXXXX XXXX XXXX has been paid off since XX/XX/2018 which I have provided the receipts proof of to Experian yet once again they refuse to remove their inaccurate information provided on this account. Experian has reported money lion as a collection account which inaccurate I provided Experian with the proof of the paid off account yet they refuse to remove this inaccurate information off of my credit report. XXXX XXXX XXXX is reported as charge off with a balance {$360.00} which is not true. XXXX XXXX is a credit union and I never got a loan from them when for I asked them to send proof of why I owe {$360.00} they never did because it is not true. XXXX is reported as a collection account {$1400.00} which is inaccurate.

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 2020-07-25
Company: Debt Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Recovery Solutions state that I owe {$1100.00} for a emergency bill in XXXX XXXX, Nevada. This bill is from a physician. This debt is not valid and does not belong to me. The bill does not have my correct date of birth. The bill also shows that I was uninsured at the time ; however, that is false. I can provide my health insurance information at the time. I have been attempting to have this debt validated by Debt Recovery Solutions for four months and they have yet to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 I spoke with my lender and completed all application. My lender confirmed receipt of my application and I was told his partner will contact me. The partner acknowledge the email as well. 

Within 20 minutes, I received a call from someone that claimed to be the partner, same name as the partner for my lender. After brief review on phone she transferred me to someone from AmeriSave Mortgage Corporation. 

I spoke with the AmeriSave Rep. thinking they are connected with my lender because I was just discussing with my lender. 

Later in the evening, I was on a call with my lender and I explained to him I got call from his partner after his email and he said that was not his partner and we confirmed it was not from his partner.

I called the AmeriSave Rep. and asked how he got my number and he confirmed Credit Bureau sent them my contact number after a lender checked my credit scores/information. 

I just felt this is wrong, I gave all my information to the Rep which I think is wrong. I do not know AmeriSave or trust them but because my information was shared with him and the name of the lender I was working with initially, They were able to confused me to think it was same as my original lender.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage has been sold twice now. The currently company is Fay Servicing XXXX XXXX XXXX and they have been giving me inconsistent information over the past month and a half. I was in a forbearance with my original servicer, XXXX XXXX, after losing my govt job of 11 years when I had to report my supervisor for falsifying govt documents. I was suddenly and unexpected in a terrifying situation, but was trying to find my way through. XXXX XXXX put me on the forbearance until I found a new job, with the promises of either paying interest only or principal only on the outstanding balance, or adding back into the loan. When I went to make my final forbearance payment and had successful employment again, I was told that my loan had been sold. The next company, XXXX XXXX XXXX (  XXXX ) never answered their phone, had recordings their offices were closed and did not communicate with me. I finally was able to talk to someone who said I needed to resubmit the paperwork I had submitted to XXXX XXXX for a refinance or some payment plan. They denied all efforts and stated they were going to take my home. Covid hit and my loan was then sold to Fay Servicing. XXXX  never notified me that they sold my loan. Fay told me that I again needed to fill out paperwork and that they " would run the numbers until a repayment plan would fit my needs. '' That they would help me get back on track ( I now had a new job with significantly more income ). I had to talk to a different person each time because the person assigned to my loan would never call back. I submitted all the requested paperwork on XX/XX/XXXX and again on XX/XX/XXXX with the assurance that they were in the business of helping people and that I needed to give them 30 days to work this out. After calling the acct manager 's supervisor numerous times, he finally called me and was extremely aggressive, judgmental and hostile toward me. I asked to speak with his supervisor and he refused - it's all on their tapes, if they actually records calls. I filed a complaint with the legal dept who said my file was missing many documents. I asked for a new account manager but was refused. Now, 30 days later I called for an update on my payment plan and to see when I can make payments I was told " nothing has been done on your account ; there is no payment plan. '' The acct manager documented I need to pay all or nothing and they would foreclose in XX/XX/XXXX. I again left messages for the supervisor and the legal department. No one will call me back. No one has done what they said they would do. My requests have been for one consistent person to talk to, to help me figure this out, to ask me questions if needed and to get this on track. All requests are being ignored. I don't know who else to contact because they are not doing their job, the account manager presents as emotionally unstable and intentionally avoiding doing his job. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint references complaint XXXX, which I feel was closed prematurely. The company referred to a dispute on XX/XX/XXXX, which was not even included in my previous complaint above. 

From my previous complaint : I sent letters on XX/XX/XXXX, which Transunion received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved. 

The company HAS NOT provided any explanation as to why these other disputes have not been addressed in 30 days per the FCRA. I have spent extra time and money documenting each incident as well as using certified mail, yet I have seen no responses from this company. I can continue to send certified letters to the company, but I feel they will go unanswered. There MUST be accountability in this situation per the FCRA. I have attached all documents from the previous complaint.

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 2021-05-07
Company: Experian Information Solutions Inc.
State: NJ
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 have disputed the account with XXXX services on my credit report several times ( XXXX/XXXXXXXX, XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XXXX XXXX  and they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help 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 2018-01-31
Company: Kriya Capital, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I spoke with a XXXX XXXX from Credence Resource Management who in formed me that this account had gone to collections from XXXX XXXX XXXX. I have been disputing this bill with XXXX XXXX XXXX since XX/XX/2017. I terminated service in XX/XX/2017 and moved to another company. They continued to charge me for services I was not receiving. Their representatives have repeatedly told me that these incorrect charges were reversed and my account was fixed. I just spoke to a representative for hours on Saturday who told me it had been sent to a supervisor. Now I'm being told it is with a collection agency and I can only deal with them and not XXXX XXXX XXXX. This account is not due, should not be in collections and should not affect my credit nor should it be sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon : I received a letter dated XX/XX/XXXX. Regarding a medical debt from an emergency service from XX/XX/XXXX. I have previously called when I received the bill last year and informed the representative that I was unable to make a payment because of my employment situation, the representative mentioned that my credit will be harm although I tried to request an extension. Today I tried to get in contact with the debt collection company, the first time I called the call they hanged on me, second time, somebody answered and I provided the ID number and my current the address, still the representative said I needed to provide my DOB, when I asked her why, she hang on the phone on me. I tried for the third time and I was unable no make any arrangement because the representative hanged on the phone on me. I am attaching evidence of the phone calls I have made as well as the letter that I received from them where they threatened me mentioning legal actions such as obtaining a copy of a judgment, I don't have an idea of any legal procedure going on. And finally the emergency service was called to my house on XX/XX/XXXX, the paramedics checked me and decided to take me to the hospital which I have understood it is a service that the city provides when they have to take you in the ambulance. I will appreciate if you could please look up on to my case. I have work really hard and I spent money to keep my credit clean. Also the representives behavior is very rude and they don't allow to speak they are just ready to hang on the phone on people. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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