BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-31
Company: CITIBANK, N.A.
State: CO
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:
On XX/XX/XXXX, I applied for a Citi XXXX Visa card. In reviewing the application and approval emails from Citi there was no mention of annual fees. In the approval email I received on XX/XX/XXXX, there is a link card benefits. On that linked web page, the phrase annual fee is mentioned only once : there is no annual fee. On XX/XX/XXXX I was charged {$60.00} for an annual fee. 

Citi charged annual fee without divulging that an annual fee was associated with the card. Rather, their website leads one to believe the opposite - there is no annual fee. 

On XX/XX/XXXX, I sent a certified letter to Citi addressing this matter. On XX/XX/XXXX the letter was delivered. They have not responded.

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 2018-02-25
Company: Experian Information Solutions Inc.
State: NY
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 tried disputing an inaccurate item on my credit report, The items are " XXXX XXXX XXXX XXXX '' Which is showing up twice on my report. Experian did nothing to resolve it but simply change the status to " Verified '' " disputed by consumer ''. This account does not belong to me and is not reporting to any other credit bureau. They refuse to re-investigate or do a proper investigation in the first place.

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 2021-02-10
Company: WAKEFIELD & ASSOCIATES, 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:
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

WAKEFIELD AND ASSOCIATES ( Opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: MO
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:
There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that XXXX, XXXX and Experian provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX XXXX {$2.00}, ( # 2 ) XXXX XXXX {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX   {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX  {$72.00}, ( # 6 ) XXXX  {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX  {$960.00}, ( # 9 ) XXXX XXXX XXXX {$30.00}, ( # 10 ) XXXX XXXX XXXX   {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX  {$71.00}

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 2021-08-11
Company: Asset Management Outsourcing, Inc.
State: MD
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:
I sent a letter on XX/XX/2021 explaining that there were some incorrect information on my XXXX  credit report from Nationwide XXXX  in the amount of {$1300.00}. I asked for the items to be removed. I then sent another letter on XX/XX/2021 asking again for the items to be removed. I have not received any response from XXXX  regarding either of these letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've tried to have my Equifax credit report pulled by multiple companies. ( XXXX, XXXX XXXX and XXXX XXXX and none of these companies are able to pull my report of see my score. Ive contacted Equifax numerous times and they can't see where there is a hold or fraud alert on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I purchased 2 items on one order and was charged for those items on a XXXX credit card which is serviced by XXXX. The amount was {$500.00}. I was returning the smaller version of the same items and was credited for those items on XXXX. I made a payment in the amount of {$500.00} on XXXX which took into account the return plus the new purchase and I was close to payoff, essentially paid in advance for the new purchase. However, I was charged a second time with a higher charge at delivery date. 

I have learned that XXXX  XXXX  is a third source company. XXXX uses a second company for billing which reports charges to XXXX. I recently opened this card so it's taken time to understand and is confusing. Although XXXX shows the order placed on XX/XX/XXXX, they are not looking at the details as it's the same item but larger size. Ive sent statements and contacted both XXXX  and XXXX and XXXX is still reporting in error, XXXX  will not place on hold as now I have disputed this charge a second time as payment is due XX/XX/XXXX and I should owe nothing. No one is looking at the details supporting my claim because if they did it would show I don't owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: M3 Financial Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought this car in XXXX. Drove it for probably XXXX miles before it quit running. 14 years go by and never heard a word from this " so called company ''. No letters, no phone calls, no nothing. In XXXX they tried to sue me and garnish my wages. However, they did not succeed.. Now they are back at it again. They sent me a lovely yellow summons stating that " my wages ARE being garnished ''. Please tell me how it is possible to have your wages garnished without even going to court? Without ever being able to have a defense.. Per Virginia Law this Auto loan has past the Statues Of Limitations on collection of this debt. If this loan was a written Contract, they can only try and collect for 5 years. If this loan was a promissory note, they can only try and collect for 6 years. I will vigorously fight this injustice and criminal behavior by this company. This company sold me a lemon. This company has hurt my name and reputation with my company on false pretenses. This company uses scare tactic to try and force people into paying on a debt past the Statue of Limitations. I will not be bullied by this company. I will have my attorney on this ASAP. I have a good case to sue XXXX XXXX XXXX XXXX XXXX for their miscarriage of justice, lies and deformation of my character.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-04
Company: WELLS FARGO & COMPANY
State: WI
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:
Wells fargo account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not given to me by the merchant. Wells fargo " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if I have never received them why I need to pay for them??? 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 2019-01-27
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was made aware of debt through a unlawful reporting and collections attempt by TRANSWORLD SYSTEMS that claims to be collecting a debt for or on behalf of a utility company called XXXX XXXX. A company I never had any dealing with, my utility company at all time has been XXXX XXXX a company that services the XXXX area where I live, XXXX XXXX on the other hand does not even service my area. I have asked this company to submit information along with documentation to substantiate the validity of the account, documents such as a service agreement with a copy of the identification necessary to establish an account, evidence that I have lived in that address or information about the service address which seems to be within the XXXX New York area, a service area at least four hours away from my place of residence. This company was not even able to provide me with billing statements about the service used which amounts to at least {$2200.00}, an amount over due unheard of for a residential customer. Moreover, I had asked for information on the reasons surrounding the longevity of this account and circumstances on how it was allowed to be on for so long and accumulate such a high balance with no disconnection notice. Finally Transworld claim to be a successor to XXXX XXXX in a nefarious attempt to shelter the utilities company to submit itself to a legitimate and rightful requests from myself to show me proof that it was a legitimate account established by myself or that I was the responsible person liable for the bills. I am hereby dispute the entire amount allegedly owed and demand that both XXXX XXXX and TSI, Transworld Systems cooperates in providing the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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:
The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.

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 2020-05-09
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Commonwealth Financial Systems Inc. reported to XXXX, XXXX and XXXX  I had one account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe Commonwealth Financial Systems Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Commonwealth Financial Systems Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Commonwealth Financial Systems Inc. are a clear violation of the Fair Debt Collections Act. I am requesting that Commonwealth Financial Systems Inc. remove this collection account from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX and I notice that someone open or use this names on and are in my Experian credit report. also a XXXX XXXX XXXX for bill for collections that I did not authorized. Therefore my e-mail is XXXX and my contacts are cell # XXXX and home # XXXX. Sincerely yours truly, XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 {$590.00} {$590.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX A XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number 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 2018-10-09
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called a couple of months ago to change my account information on where my payments will be coming out of it. I thought the agent did this but DID NOT change my information which resulted in me getting a overdraft fee to my bank account. This resulted in my bank closing that account and also me getting kicked out of the a hardship program. I DID NOT receive any communication letters regarding me being removed from the hardship program at all. I had to call XXXX XXXX where I found out this information. 

I just called and they just told me that the pulled a phone call and said I never told them I changed it WHEN I KNOW I DID! THEY DID NOT SEEM TO CARE THAT THEY OVERDRAFTED MY BANK ACCOUNT. I have been calm on trying to fix this situation and there is too many people giving the wrong answers. I KNOW FOR SURE I CHANGED IT BECAUSE THERE WAS NO MONEY IN THAT ACCOUNT!!!! Once again there was no communication letters regarding any of this. ALSO THEY DRAFTED MONEY OUT OF MY ACCOUNT AND NOBODY SEEMS TO KNOW WHY! I HAD TO DISPUTE THE CHARGES WHICH XXXX WAS TRYING TO FIX! I'M SICK AND TIRED OF THE RUN AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent {$1000.00} to a friend 's account in XXXX XXXX. The Moneygram site said the wire would take minutes to hours but as of today ( XX/XX/2019 ), the money has still not arrived. Moneygram withdrew the money from my bank account on XX/XX/2019. Despite three calls to Moneygram over a week, no one will tell me when the money will arrive or why there is a delay. I have submitted complaints online via messages in their website and I have called them and spoken with several representatives. The first told me that " there was a glitch '' and the money would arrive in my friend 's account in 24-48 hours. It never did. The two representatives I've spoken to since have told me they can not answer my questions and that I need to call back in 24-48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MD
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:
Equifax has assumed its vital role pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not been exercising its grave responsibility with fairness, impartiality, and respect for my consumer right to privacy pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not used reasonable procedures in a manner that is fair and equitable to me as a consumer pursuant to 15 USC 1681 ( b ). I want all accounts and inquiries deleted from my consumer report IMMEDIATELY pursuant to 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This compliant is regarding closure of my account without my information. SunTrust Bank prohibited me to access to my funds which I needed urgently ( $ XXXX ). XXXX : I opened the account after depositing {$150.00} in account. XXXX : I completed direct deposit of {$800.00} i account. XXXX Deposited multiple amounts in the bank account. XXXX : A XXXX  check of $ XXXX was deposited. XXXX : {$12000.00} cash was deposited in the account. I have been trying to access my account online as well as ATM but it was showing nothing, after calling customer support they told me my account was closed for " some reasons '' but they were not aware of the reasons. I asked SunTrust to give me my funds since I need to use my money. SunTrust declined and told me I will be getting my check in 5-7 working days with explanation why my account was closed. I have been told that SunTrust has right to close my account without informing me. I have written checks in good faith to use my banking account which is denied to me without any reason. I am also having SunTrust Mortgage Account that is in excellent standing.

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 2018-06-06
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had a debt collector call my place of employment on XX/XX/2018 in reference to a debt that does not match my records. This is an old debt from over a decade ago that has been resold so many times that I can't actually find out who owns it now because they have all lost the paperwork. 

I told them that it was illegal to contact me at my place of employment ( my employer has a no personal calls policy that I can be fired for if I violate ) The caller insisted that it was not illegal for them to call me at work. 

I told them that the Fair Debt Collection Practices Act prohibits them from calling my place of work if they have such a policy but was again told it was not illegal for them to call me. Which is a complete untruth. 

I then told them I have the ability to sue for violations of this Act and I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
CONTACTED CREDIT REPORTING AGENCY VIA USPS CERTIFIED MAIL ON XX/XX/20 ABOUT INCORRECT INFORMATION ON MY CREDIT REPORT. AND CREDIT REPORTING AGENCY DID NOT REMOVE OR MAKE NECESSARY CORRECTION.

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 2017-12-08
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, our taxes were {$3100.00} and our home owner 's insurnace was {$800.00}. At the end of XXXX, we were refunded money from our escrow account. 
In XXXX, our taxes decresed to {$2600.00} and our home owner 's insurance increased to {$980.00}. 
We received notice XXXX that we had an escrow shortage of {$2.00}, XXXX. 
I do n't agree with the consequences falling on us if our escrow has been miscalculated. 
Freedom Mortgage conducted another escrow analysis and stated they do not determine the escrow amount. I was told RESPA calculates.

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