BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-22
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX XXXX, I contacted Citibank by phone regarding my credit card debt of {$12000.00}. We arrived at an agreement, which they proposed that as from XXXX XXXX, they would automatically withdraw {$210.00} every month from my XXXX checking account inorder to start paying off my balance. I provided them with my routing number and checking account number. They withdrew {$210.00} from my checking account on or around XXXX XXXX, XXXX. They were supposed to continue doing automatic payments from my checking account, something my daughter XXXX advised me to do so as not to be late on payments on any of my accounts. My daughter XXXX was a witness to this phone call. 
About a week ago, I received a letter in the mail from Citibank stating that my account had been sent to collections for non-payment. I was very surprised.I do not always monitor my account as I am very busy working trying to make a living for me and my family. After checking my account, I noticed they did not withdraw XXXX or XXXX 's payment. When I contacted Citibank, they stated that my account had been sent to collections because I had no set up automatic payments which is untrue and incorrect. I asked them to reinstate my account which they have declined to do and this is why I am filing this complaint. Citibank 's actions are damaging my credit when I did my best to work out an arrangement with them. Please help.

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 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 called the Capital one auto finance to advise them I did not apply for a loan with them and XXXX also XXXX I'm not even sure what these are. When I called they asked me to call the credit bureaus to remove them in which I did and they are still on my credit file I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I honestly do not understand what is happening. I have not owned a vehicle since I sold my XXXX XXXX approximately 4 years ago so I have not been required to carry auto insurance obviously. I'm trying to insure a car now and my rate is through the roof and XXXX XXXX, for instance, is saying that I filed some sort of claim XXXX of last year. That is absolutely false!! I need this removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
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:
Charles Schwab XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XXXX XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017

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 2022-10-07
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S, C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information 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 2019-05-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.Q. Data International - FAILURE TO ACT IN ACCORDANCE WITH FDCPA ( 809 1692g ). 

I.Q. Data International contacted me by phone on XX/XX/19, asserting its authority to collect debt payment of {$980.00} for residential move-out charges billed by an original creditor - XXXX XXXX XXXX, XXXX XXXX XXXX, CA ( part of XXXX real estate holdings ). I previously asserted to XXXX XXXX / XXXX that the move-out charges are unwarranted per our lease contract, that the apartment management did not fulfill its obligations under California Civil Code 1950.5, and that the security deposit amount in their calculation is inaccurate. 

We have received no written verification of this debt from I.Q Data International at the correct addresses we provided to both I.Q. Data International and the original creditor. 

Debt verification requests were made by phone on XX/XX/19 and also by USPS certified mail. The I.Q. Data International agent claims that no certified letter from me has been received by I.Q. Data, despite USPS confirmation of delivery. 

We believe that failure by I.Q. Data International to provide timely written debt verification and failure to acknowledge / act upon delivery of our certified letter are in violation of the FDCPA ( 809 1692g ). 

Attn. XXXX XXXX XXXX / XXXX - you are identified here because you have under-represented our security deposit amount, did not inspect the apartment as required under California Civil Code 1950.5 prior to making cleaning/painting charges, and charge unwarranted administrative fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX and XXXX I was at XXXX XXXX XXXX trying to the knowledge I needed to be a successful XXXX XXXX and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX XXXX however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XXXX XXXX and XXXX started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to XXXX and XXXX my position was given to someone else and I lost the tools that where given to me XXXX from XXXX  tools. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for XXXX up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in XXXX appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account from 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 2019-05-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have never made a late payment on this account since I opened it in XX/XX/2006. I got an alert through my XXXX XXXX app that I was late but had no clue I had a bill due as I haven ' used it. 

I immediately called and paid it off to XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2020-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I moved overseas to live and work in XXXX, XXXX. I lived there for five year and repatriated back to the XXXX XX/XX/XXXX due to COVID and death of parent. While I lived oversea, I was a victim of identity theft in the USA. I attempted to let HSBC know but was told there were charging off my account and told if I didn't pay a settlement my credit would be ruined. I tried to explain I lived oversea and used only my XXXX HSBC account and that the charges were not mine. I paid a settlement based on the amount I believe was closest to that truly owed, and to get the creditor off my back. Now that I know for sure this was ID theft and have filed FTC Identity theft and police reports, I have requested that HSBC remove the adverse comments, late payments and charge off statements on my credit and update the credit report to reflect good standing and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: AMERICAN INTERNET MORTGAGE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AimLoan ( https : //aimloan.com ) says they don't accept self-employed individuals because they MAY HAVE used PPP or Mortgage Forbearance program or other aids. They haven't even checked my documents to see if I am capable of paying off the loan without their help or if I am taking any money from PPP or taking Mortgage Forbearance help etc. They haven't even checked if I missed any payments or even where do I stand in my mortgage or financial position. 

They ARE accepting W2 candidates even though they have been taking financial benefits such as PUA and/or state unemployment benefits!! Now this is distinctively case of discrimination. In Country of Opportunity and small business owners are discriminated!!

On one hand Mr President and government is talking about protecting economy by lowering rates and help common man reduce financial burden by refinancing, BUT, on the other hand lenders are disqualifying applications WITHOUT even taking a look at there application BUT just at a category " self-employed ''. 

This needs to be stopped. All homeowners, regardless of their source of income, should be considered equal. Otherwise this will be a first stone to the grave of housing crisis knocking our door! 

I asked to speak to The President Mr XXXX to voice my opinion and to ask if it's legal and ethical to do in given times. His representative reached out to rehearse the same policy. United States residents who are homeowner paying mortgages without failing and having average to better score should be protected and such lenders should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I do not recognize the following accounts listed on my credit profile ( accounts ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY

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 2023-03-27
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-09-12
Company: DISCOVER BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had fraudulent charges to my account in the amounts of XXXX, and 2 charges for {$27.00} on XXXX XXXX. Now more than 90 days later my provisional credits have been reversible putting my account into the negative. I did not make the changes I disputed. I was not notified that the charges were going to be reversed. I want my money back and the account closed. Im tired of having issues with my account that are not being resolved. I want this corrected for good and the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
this account was never late, and i have already tried to send letter that was provided by XXXX XXXX XXXX, but experian is not trying to help, the other XXXX bureaus have already removed this negative except experian, please have this negative removed from my credit on experian, the letter from the creditor is attached 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 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I send a payment, they had put it as a cash advance, but they owed me money on the account and never gave me the cash advancement due to that and still charged me a fee. I called and the supervisor, said everyone knows what to say, and if they said something else to you well sorry but nothing they can do. But when I was asking her about the employee she had no clue what was going on and was just pushing me away. I ask her for the corporate number and she said no, they won't speak to you she is the highest up. XX/XX/2021 around XXXX Supervisor name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX to dispute that they are inaccurately reporting that I was late in XXXX and XXXX  2011. Please help me to get these late payments removed from my credit report. I was never late to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Information belongs to someone else

Complaint:
I do not recognize the following accounts listed on my credit profile ( accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been disputing several inaccuracies on my credit report with TransUnion over the past year at least with little to no cooperation from TransUnion. The most recent of which was signed for and received by TransUnion on XX/XX/2021. That letter requested that TransUnion either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for TransUnion to either properly verify or remove these items, as of today, TransUnion is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, TransUnion responds with a slight change and verified as the result. 

This willful neglect for the law by TransUnion has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against TransUnion for their blatant refusal to delete information that they are reporting that can not be verified properly by TransUnion. 

I want these negative items removed immediately as I have given TransUnion more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.

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