BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau XXXX with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Back in XX/XX/XXXX, I made a phone call to Citibank customer service to close my Citi AA Advantage card. I explained I was not interested in collecting miles with XXXX XXXX, paid the full balance and was informed the account would be closed. 

However, in XX/XX/XXXX and XX/XX/XXXX, I noticed several fees/interest charges on my account and realized they had sent me to collections based on a {$0.00} interest charge and other fees totaling {$38.00}. On XX/XX/XXXX I  spent several hours on the phone again trying to close this account. I spoke to at least 9 different representatives : an agent identified as # XXXX in the collection department who transferred me back to the main call center, an agent named XXXX # XXXX who transferred me to another customer service representative with a foreign accent, an agent with employee ID # XXXX who transferred me back to the main number, agent # XXXX in the collections department, account manager XXXX # XXXX, someone in technical support, someone named XXXX in the Maryland Office, someone named XXXX in a call center in XXXX and finally a customer account specialist XXXX in the customer service department. Despite all my efforts, I'm still not certain the account is closed. On my online statements it still appears open. 

One of the agents I spoke to admitted they had a record of my conversation in XXXX  where I indicated my intention to close the account, but apparently they didn't close it because we got disconnected during the phone call. When I asked to be transferred to her supervisor to investigate this, she said she couldn't hear me and hung up the phone. It is unacceptable clients are subjected to such shenanigans when they try to close their accounts. It is clear Citi is intentionally creating obstacles and delaying the process of closing accounts with the goal of charging late fees and interest. 

Stay away from Citi

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 2018-02-03
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not receive notification of debt. I was unaware of balance being forward to me she to insurance being applied. This item is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In a previous complaint : XXXX XXXX XXXX XXXX   XXXX, On XX/XX/XXXX, XXXX filed an erroneous " Company 's Response '' to the CFPB. 
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 

1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XX/XX/2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XX/XX/2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/2020. XXXX XXXX XXXX  submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 -  These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in  an attempt to Defraud the Defendant of {$4100.00}. 

6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. XXXX XXXX excused it as a company error. Evidence of yet. Another lie. 

8 - In a statement from XXXX XXXX XXXX. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document. 
( Court Doc pg 1, 2, 3 ) 9 - In this statement. He lists XXXX 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer,  is XXXX XXXX. The CEO of XXXX XXXX XXXX. 

10 - Then in closing arguments. The Plaintiff, Barclays Bank Delaware is implicated as being a co-conspirator in this Scam. 

11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of Barclays Bank Delaware The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for Barclays Bank Delaware. As referenced by Mr. XXXX XXXX XXXX. Attorney for the XXXX XXXX XXXX XXXX 

Please Investigate the criminal acts. Committed towards your own Agency. 

Thank You 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 2017-12-14
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 been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score.  Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.

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 2018-09-30
Company: Experian Information Solutions Inc.
State: FL
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:
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law.

Therefore I request that all hard inquiries 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 explanation
Consumer complaint received 2019-03-13
Company: BB&T CORPORATION
State: KY
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:
I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. 

I was never told orally or in writing I had the right to earn interest on my funds deposited. 

2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 

3 ) The XXXX XXXX XXXX XXXX is not affiliated with them at all. 

This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.

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 2019-08-21
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 Sequium Asset Solutions Original Creditor 11 XXXX XXXX  Amount XXXX $ I have reported to Each credit company I do not know own this bill I was living with relative since I had a XXXX this is not my bill and I will not pay. I was victim of the breach and want this removed immeditaly. A person who is XXXX can not have cable tv.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Westlake Services, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a car loan with Westlake Financial and Ive been struggling trying to get a copy of the tittle from them. I moved from XXXX  to XXXX  XXXX  and in the end of XXXX I started trying to have my tag transferred to new state. 
On XX/XX/2021 I had the tag office sending Westlake Financial the fax requiring the copy of the title. Till today they havent send it. 
Ive trying calling uncountable times, sent many emails and nothing happened.

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 2020-05-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened an American express revolving credit limit ( amex XXXX ) card back in XX/XX/XXXX. I held the card for four years and my credit limit was XXXX around XX/XX/XXXX or XX/XX/XXXX Amex lowered my credit limit when my balance reached XXXX claiming that the balance was too high and that I was approaching my limit ( 4,000 difference ). they extorted XXXX dollars from me in order to restore the balance back to the limit they agreed to maintain for my credit line. I paid them and they restored the balance. fast forward to XX/XX/XXXX as  of today ( XX/XX/XXXX ) I have been informed that they are performing the exact same predatory practice as they previously did 1 year ago. My balance is again around XXXX and they have just lowered my credit limit to XXXX in the hopes of extorting a lump sum payment from me. this in general raises concerns about what my true credit limit is if they are uncomfortable with my balance coming within 75 % of the total limit. it takes me a year to spend a few thousand on the card, my spending is consistent and i have never missed a payment. This is financially abusive especially in this time where unemployment is at an all time high. This is unacceptable and must be rectified. 

there are times when credit card lenders will do this and " chase a balance '' but to do so two times in one year is simply predatory and abusive by the very definition of the word.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a dispute with Equifax on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 Equifax came back stating the debt was accurate without even completing a thorough investigation. Equifax has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your  continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that Equifax continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-05-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a prepaid card with American Express BlueBird. On XX/XX/XXXX I made a payment to my XXXX XXXX credit card from this card in the amount of {$50.00}. Before the payment went through, we found out our XXXX XXXX card was compromised so we had to cancel the card and were assigned a new credit card number for that account. Because of this, that {$50.00} payment I made from my Bluebird American Express card never went through but was still deducted from my account, and is just in limbo now for almost a month. I've attempted to contact Bluebird American Express multiple times with no resolution. I asked them to cancel that payment and return those funds to my account but they said they can't cancel it. I also asked if I could then give them the new credit card number for where those funds were supposed to go but they said they can't update that either. Now, because they are giving me no options to get my payments to go through to make payments on that credit card, I will be accruing late fees on that account. They finally " filed a dispute '' but said this could take some time. So now my hands are tied, they won't return the funds to me AND they won't give me any option to set up a new bill pay to make payments I need to on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During XXXX of XXXX, I made an extra payment that should have gone entirely toward principal in the amount of {$40000.00}. My servicer at the time ( Franklin American Mortgage Company ) broke this payment up into 8 separate payments that were applied as follows : XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ). So, a total of {$37000.00} was correctly applied to principal, however {$5000.00} ( or 4 payments in the amount of {$1200.00} ) was not applied. I continued to make my usual payments each month, which pushed those 4 " future payments '' further out until my loan was sold to XXXX XXXX and they notified me of the future payments and applied them to my balance in XXXX of XXXX. I am concerned that I was never notified of the unapplied funds while with Franklin American Mortgage Company and paid a much higher interest payment each month for years, because the funds were not applied correctly. My current balance should actually be much lower.

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 2020-05-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was involved in an identity theft incident and EQUIFAX DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from Equifax that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I MADE A PAYMENT OF {$800.00} FOR MY CREDIT CARD HSBC ( XXXX XXXX ) THROUGH MY XXXX CHECKING ACCOUNT. XXXX XXXX TOOK OUT {$800.00} FROM MY CHECKING ACCOUNT ON XX/XX/XXXX. I CALLED XXXX XXXX  ON XX/XX/XXXX, THEY DID NOT RECEIVE IT. HSBC HAD VERY BAD CUSTOMER SERVICE.MOST OF CALLS GOES OUT OF USA. ONE CALLS TAKES MORE THAN 30 MINS. XXXX XXXX   EMPLOYEES DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER. HSBC HAD DONE SIMILAR MISTAKE EARLIER ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from 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