BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received a text from Citizens Bank ( XXXX ) stating " FROM CITIZENS BANK : For account ending in XXXX : Did you attempt a debit of {$250.00} at XXXX XXXX XXXX XX/XX/XXXX? REPLY YES/NO/HELP '' I responded " NO '', and immediately called Citizens Bank. I spoke to a representative, and was told I received the text by mistake. I requested to speak to a manager, and the manager told me the same. When I asked the manager how I could trust Citizens Bank when I was receiving the wrong texts related to fraudulent transactions, she put me on hold. When I was placed on hold, I received a call from Citizens Bank ( XXXX, badge XXXX ), who explained that the fraudulent transaction was, in fact, attempted, but blocked. He also found another fraudulent transaction in process. XXXX did a great job.

However, it should be noted and reviewed that the other representatives 1 ). did not know what they were doing, 2 ). told me that I received the text from Citizens bank by mistake, and 3 ). provided no useful information to resolve the issue. If I did not speak to XXXX, I would have had additional money stolen from my account due to their poor training and bad customer service. The calls are recorded, and should be reviewed.

Overall, the customer service of Citizens bank has declined. They are clearly not appropriately staffed to handle their clientele given the amount of time you need to wait to speak to a customer service representative ( the wait is normally never below 10 minutes ), and the staff is not properly trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
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: Their investigation did not fix an error on your report

Complaint:
I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of XXXX or 10 years. 

I have contacted Transunion, XXXX and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by Transunion, XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected 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
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: MO
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 HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX  ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX  ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX XXXX XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXX  ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20. This will be my 3rd attempt writing Transunion. They have failed to verify and delete these inaccurate accounts.

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 2020-08-26
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from the credit bureaus that this collection account was added to my credit report on XX/XX/XXXX. When I logged into my credit monitoring service the information listed reflects that the collection agency I C System, located at XXXX XXXX XXXX XXXX XXXX MN, XXXX. Phone XXXX states that the partial account number XXXX was opened with them on XX/XX/XXXX in the amount of {$530.00} and that the original debtor is XXXX XXXX. I have never heard of this debt collector prior today. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 4 times today ... ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail.

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 2020-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a Bank of America Premium Awards VISA credit card member at its highest level. One of the benefits of this card 's program is reimbursement of non-refundable travel expenses in the event travel has to be canceled because of illness. I had to cancel hotel reservations at a XXXX XXXX for XX/XX/XXXX to XX/XX/2020 because I was undergoing XXXX treatment of XXXX  XXXX XXXX at the time of reservation. The reservation was canceled on XX/XX/2020 .Bank of America has declined my claim of {$710.00} for this canceled travel expense without explanation. 

From the VISA Premium Rewards Benefits Guide, " What types of Non-Refundable Travel Expenses are eligible for Reimbursement. '' " ... Licensed Providers of Lodging ( hotel, inn, motel .... ) '' Clearly, I am entitled to reimbursement from Bank of America ; but BoA has declined my claim without explanation.

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 2021-03-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$610.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is not a DUPLICATE, I have included new documentation. 1st contract that I was issued for your review. 
It's certainly clear that this credit application is fraudulent. Not my handwriting or signature or monthly income. You stated that proof of income was not a stipulation, well then how did you expect for me to pay for the loan? I am on a fixed income and XXXX. As I stated before obviously the dealer altered the application. I did speak to several call managers the results were still the same they said the information had been emailed. I have attached a copy of the 1st contract@10.50 annual percentage rate. It's worn a little, but you can do the math. I tried reaching out today XXXX to speak to someone to resolve the issue, got hung up on once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I sent a letter in writing to investigate accounts I wasnXXXX XXXX percent sure if the information was accurate or not so in letter I asked all three bureaus XXXX XXXX XXXX n XXXX to do an investigation all information from XXXX XXXX Capital One XXXX XXXX and XXXX XXXX bank came back as verified by all three bureaus I then pulled my credit report to find out the information wasnt XXXX percent accurate at all without proof of accounts being XXXX percent accurate they must be deleted well they wasnt accurate and all three bureaus continued to report the inaccurate information sent by XXXX XXXX Bank # XXXX, Capital One Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX Bank # XXXX all accounts continue to violate my rights by reporting inaccurate information to the credit bureaus who then reports to my credit file its stopping me from getting my dream house or my dream car a loan and lines of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems, INC-Debt Collection Agency Current Creditor ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} I read a letter that was dated XX/XX/2020 from National Credit Systems , Inc stating that I owed the Current Creditor the balance above, the letter was an attempt to collect a debt. The letter stated in bold letters of my rights to notify National Credit Systems in writing within 30 days of receiving the notice my dispute of the validity of the above debt and that National Credit Systems , Inc would obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification ... .. and that the office would provide the name and address of the original creditor. 

On XX/XX/2020 the day I received the letter, I wrote and mailed first class a letter to National Credit Systems , Inc. disputing the validity of the debt, I stated that I do not owe for a carpet replacement in the amount of {$1400.00} and that all that I believe I owe the apartments was around {$55.00} dollars for a light bill. I stated that I have a video of the apartment when I moved out that shows that the carpet and apartment was left clean and in good condition. On XXXX XXXX I read another letter from XXXX XXXX XXXX XXXX XXXX stating that I did not make suitable arrangements to resolve the above-referenced debt and that they would soon report the account to one or more of the consumer reporting agencies and still requested a payment from me. On XX/XX/2020 the day I received another letter from National Credit Systems , INC, I immediately called and spoke with the Collection Representative named XXXX XXXX @ XXXX @ XXXX, I told her that the apartments and charges are in dispute, I told her that I have video proof that I do not owe to replace the whole carpet and that all I owe is a water bill that's around {$55.00}, she said ok and she would note the account. Today. XX/XX/2020 I received an alert from XXXX stating that I have a MAJOR DEROGATORY DEBT FROM National Credit Systems that was reported on XX/XX/2020 and opened for 3-months..XX/XX/XXXX.which instantly dropped my credit. So, I called XXXX XXXX and spoke with her, I told her I never received any type of documentation from them regarding the validity of the charges or debt nor did I receive a copy of the judgement in which the letter stated I would in bold. XXXX XXXX was shocked and at a lost of words, she read her notes and saw my dispute letter, she also saw an email from XXXX XXXX on XXXX XXXX where all they provided was a copy of the lease and not walk-thru information or any validity of the debt according to XXXX XXXX. National Credit Systems violated my rights and never provided the proper documentation to prove the disputed debt, instead they looked over my dispute and added the debt to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX This credit is reporting a XX/XX/2019 as a 30 day late. 

XXXX XXXX failed to validate the 30 day late, was never 30 day late.

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 2018-03-08
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am being sued on credit card debts. Despite being notified of my current address, and mailing notice to sue to my current address, Einstein and Associates PC, located at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX continues to serve these papers on my parents, grandparents, aunts and neighbors at an address in XXXX XXXX, harassing my parents and embarrassing me, while being fully aware of my address in XXXX. 
I have copies of the notice to sue with my XXXX address. They gave me the index numbers of the matters in XXXX XXXX, but to date, have not served me with papers, but continue to serve my family members with these papers, even though they have nothing to do with the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
World Finance XXXX World Finance Corporation continues to increase balance of charged off account. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Butte County Credit Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was given a summons in directly they gave it to the receptionist at my work who in turn eventually gave it to me. Then they went ahead and proceeded with the judgement against me and then a lien and a writ of execution. This debt is more than 10 years old. I believe the original debt was like two thousand and {$3000.00} and now they're saying it's almost 10 thousand after collection fees and interest accrued daily. I just lost my home in the camp fire couple years ago and I have received a work comp settlement and I'm concerned that they're going to go ahead and renew their writ of execution in judgment and try to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My account has a penalty APR of 29.24 % on it. I have contacted customer service about this fee but I was just told that I have a penalty APR due to a late payment. My account was on COVID-19 related payment assistance, so I do not think that I missed any payments. I tried to find where I had a missed payment and could not find it. I am not sure why a penalty APR would be applied to my account since it was in payment relief. 

Additionally, on XX/XX/2020, I was charged a {$29.00} returned payment fee. This amount was taken out of my checking account and applied to my credit card but I still have this returned payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30
Company: Big Picture Loans, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX I took out a loan with XXXX, it was then written off. 
I then got a voicemail today, XX/XX/XXXX that someone was trying to give me documents and I need to make arrangements. I called the number back and they said they are going to sue me for two counts because of XXXX. 
The number they called from and which I called back is XXXX, they recorded my conversation without notifying me and never gave me the required legal message that they are attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX, XX/XX/2018 XX/XX/2018

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 2018-03-08
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
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 like XXXX accounts showing as negitive on my credit report and I only got XXXX loans XXXX are in good standings. XXXX are negative. No one wants to help me out. I keep getting the run around when I call to get this resolved. I also did not go to school in 2014 like it says when it was open. I feel that my rights have been vilotated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ID Analytics, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE CONTACTED A REQUESTED THAT SAGESTREAM PLACE A SECURITY FREEZE, BLOCK AND SUPPRESS THE FILES THAT I HAVEWITH THEM. I AM A VICTIM OF A SPECIAL TYPE OF IDENTITY FRAUD. SAGESTREAM IS RELEASING INFORMATION ABOUT A BANKRUPTCY FILING THAT I DID NOT DUE TO XXXX AND XXXXTHIS WAS PREVIOUSLY FOUND TO BE AND ERROR. I HAVE SENT THEM SSN CARD, ALONGWITH GOVERNMENT ID, AND BANK STATEMENTALONG WITH A CERTIFIED MAILED REQUEST AND CERTIFIED FACSIMILE I DEMAND THE BANKRUPTCY BE REMOVED AND BLOCKED IN ADDITION TO THE FREEZE AND SUPPRESSION PLEASE HAVE THEM PROVIDE WRITTEN PROOF.

Company response to consumer: Closed with explanation