BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-14
Company: Ballybunion Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
freedom acceptance corp. put a lien on my XXXX account in XX/XX/XXXX. i fear they will continue to peruse debt collection from a XX/XX/XXXX debt in XXXX ca. The Bureau 's investigation also found that Freedom Stores , Inc. violated the Electronic Fund Transfer Act by failing to properly disclose the terms of preauthorized transfers, and that Military Credit Services violated the Truth in Lending Act by failing to properly disclose the terms and interest rates on the loans it offered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The last time XXXX XXXX reported account to Credit Bureaus was back on XX/XX/XXXX and havent reported any account activity since. Its currently reporting a balance of XXXX to all credit bureaus when thats not accurate. I only owe XXXX on account 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 explanation
Consumer complaint received 2015-06-20
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Cash advance fee

Complaint:
I purchased Action item/timeshare Specialist on XXXX for {$510.00} ( see link ) : XXXXAdd Payment Accepted : *Cashiers Check*Money order *Wire Transfer *Credit Card *XXXXWas unable to purchase directly through XXXX/Timeshare specialist invoiced me directly through XXXX. I paid for item through my XXXX Account ( XXXXXXXXXXXX ). 
My CITI Bank card ( ending XXXX ) tried to charge me a fee for a cash advance ( {$25.00} ). I phoned Citi Bank & was going to cancel me card/pay off the card since this charge was a normal credit card transaction ( not a cash advance ). Citi Bank willingly waived the charge. A month or so goes by & Citi Bank tried to charge {$3.00} interest where as my card is a 0 % APR for 18 months ( ends XXXX 2015 ). Once again, I phone them & they said they will waive the fee only this month ( said, the charge was a cash advance ). I paid off my card in full the next day. Previously, I phoned XXXX & they stated there is nothing on XXXX item number : XXXX which states XXXX/credit card payments must be a cash advance. Citi Bank supervisors just state XXXX requested this to be a cash advance ( they refuse to give it in writing to me ). Contacted XXXX a few times over this & they state seller paid all the credit card fees ( this transaction was not a cash advance ). XXXX fraud dept emailed me this ( note XXXX stated they never process credit card as a cash advance, although only XXXX time the represenative said she saw it only XXXX when account had no $ in it ) : Dear XXXX XXXX, Thank you for contacting XXXX Customer Support today. As requested, here are the details of the transaction, in question : Transaction ID:XXXXMerchant Name : XXXX XXXX, XXXX. 
Date : XX/XX/2015Amount : {$510.00} USDDescription : Credit Card Payment Sent ( Service ) To clarify, this was not a cash advance payment. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. All rights reservedContacted Citi Bank about this fraud & that I was going to report it. The supervisor said go right ahead, it does n't matter if the charge through XXXX states anything about a cash advance, they will process it as a cash advance ( gave examples such as casinos, energy bills ... ) & that if I do the same charge again that it will be charged as a Cash Advance ... 
I paid off my card in full {$1300.00} where as the {$3.00} interest they will waive. I do not plan on using Citi Bank for any of my future banking needs ever. I found this incident should be reported to a government agency for especially the next person due to its nature of a very possibly fraud activity of Citi Bank credit card practices. Any questions or need further information please contact me ; thanks & take care. 
Yours truly, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, NV XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BARCLAYS BANK DELAWARE
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was XXXX on XX/XX/XXXX I was XXXX until XX/XX/XXXX. During this time of my XXXX somebody used my Barclay rewards MasterCard I had {$200.00} or so that was my debt on the card but Barclay is claiming that I owe {$700.00} now. I 'm XXXX. I have no source of income except for XXXX so they ca n't come after me for any money but I 'm looking to settle with them to pay the XXXX I think it was like {$220.00} and then have it squashed and make them take it off of the credit bureau so it quits ruining my credit score. but they have n't even been able to help me with filing that there 's fraudulent charges on there I can prove I was XXXX they just keep wanting this {$700.00} that I do n't legally owe and they wo n't let me log into my account so I can print out these charges that were n't mine and show them and a lawyer or discuss them to come to a settlement. Because I was XXXX, the police are n't interested in the identity theft that happened to me but I still need to get this fraudulent debt squashed. Like I said I 'll even pay the XXXX or so dollars that I do owe. Please help me resolve this matter as it is really affecting my life in a negative way. 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 2017-03-23
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2017 DCI responded to my dispute for validation. Based on the information they provided, per law this does not serve as a proper validation. A billing statement is NOT validation! Regardless to their claims to not have ever received a dispute from me is irrelevant to the fact that DCI has not provided proper validation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/2017, I went online to obtain my credit score. My credit card company, BarclayCard, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my FICO score, I should call XXXX, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from XXXX. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XX/XX/XXXX I called XXXX at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that BarclayCard was using a different scoring model than XXXX does ( they mentioned XXXX ). They were denying that they even supplied the score that BarclayCard was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between XXXX and BarclayCard, and they refused. They told me to go back to BarclayCard for any explanation of the score. So I called BarclayCard at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the BarclayCard site , BarclayCard or XXXX. The BarclayCard Customer Service Rep. claimed they simply posted the information provided to them by XXXX, that BarclayCard DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact XXXX for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just one or two months without any negative data to support it.

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 2017-02-23
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The loans started with XXXX back in XX/XX/XXXX then apparently have moved all over Navient, PHEAA, AES, XXXX 
Back in XX/XX/XXXX I contacted your office XXXX was very helpful and was advised what to do to bring this loan out of default which we successfully did and per advise from your office we applied for and was granted the IBR program XX/XX/XXXX, paying ever month {$120.00} to AES among other names. Which I believe these companies change to their benefit. 
XX/XX/XXXX recertification came up and we again were granted the IBR for {$30.00} XX/XX/XXXX let me add here this was all done by a higher up supervisor at AES who had all information in front of her .This payment was based on family size and other considerations. Only to have this rescinded XX/XX/XXXX. When I called AES this supervisor said they had made a mistake, but I said I had been on the same program for over a year. 
My husband is XXXX, our son has XXXX which is why he went to XXXX which promised him education leading to a good job in XXXX which never happened although he did graduate in XX/XX/XXXX with his XXXX. The only thing to come out of it was a tremendous debit. Which we keep trying to pay, but the rules keep changing to the benefit of these above mentioned companies even when one does what one is guided to do. 
Today I get a letter from PHEAA stating that default consequences now are 19 % and {$8300.00} this is in addition to an already growing balance of {$43000.00} it never goes down only up. 
My husband who is XXXX since XX/XX/XXXX was granted a XXXX back in XX/XX/XXXX from XXXX only to have that rescinded in XX/XX/XXXX He is however still XXXX, I work partime as a XXXX and bring home {$XXXX} a week. 
Yes I have called my Maine Senator XXXX to no avail and Senator XXXX to no avail. 
Why when regular people like us do that which we are guided to do, then the rules change to the benefit of these loan companies that do n't want a family to succeed .Just go further into debit which can never be paid back and they know it. Does anyone really care? I beg you to please help us. All we want is a level playing field and debit relief. 
Ironically this letter today from PHEAA clearly states a repayment option of IBR which we were already on. I do pay the {$30.00} every month. 
I know one should not get emotional about the above, but these companies are playing with everyday peoples lives. I have loads of documentation to the above and wish I could go in front of congress to show what is going on with this outrageous dealings of these lenders. Please I do not know how to attach documents, but have many to submit for someone to look at. 
Thank you for your time and I hope you or someone can help. I am sure I am not alone. 
Kind Regards, XXXX XXXX, Maine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife and I opened up a Checking account with SunTrust XXXX because we just purchased a Winter retreat in XXXX. We used the account of till XXXX once our home purchase was paid off. We arrived in XXXX in XXXX and on XXXX we made {$1000.00} personal check deposit and on XXXX we made a {$1000.00} personal check deposit. These personal checks were from our neighbor in XXXX. The first deposit of {$1000.00} was reflected on our SunTrust Deposit, however we went to SunTrust Bank to check on our account and were then notified that our SunTrust Account has been closed and the XXXX deposit 's that we made we withdrawn from our account and are being investigated for possible fraud. I contacted the Fraud department and they will not release any information to us. In the meantime the person that wrote the personal checks contacted his banking institution ( XXXX - Phone XXXX ) and the monies have been withdrawn from his account. I have attached copies of the XXXX checks, the SunTrust deposit receipts for both transaction, our banking statement showing the first deposit and finally a notice from SunTrust closing our account. This is my formal complaint against SunTrust and we request a prompt resolution and reimbursement in the amount of {$2000.00} for our XXXX checks.

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 2017-01-05
Company: United Collection Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am need of help on how to proceed with credit card debt : 1. Signed up with a credit card debt consolidation company 2. No results, so stopped sending payments 3. Filed a chapter XXXX bankruptcy 4. Voluntarily dismissed due to large IRS debt on both ex-husband and myself that made payment unobtainable. 
5. Obtained a mortgage modification to save house. 
6. Communicated with IRS to become 'non-collectible ' Currently, credit card debt that had sat idle is now coming forward to collections and I need assistance on how to proceed effectively. 

I 'm afraid that bank accounts will begin to be levied or propterty seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Rewards

Complaint:
CitiBank refuses to honor their printed terms and conditions to give me XXXX Thank You Points for every dollar spent on a cruise charged to my CitiBank Thank You Premier credit card. Their written terms and conditions ( T & C ) state : XXXX Thank You Points for every dollar you spend on purchases at ..cruse lines. Further down on the T & C it specifically states : " Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes ''. 
My credit card charges ( dated XX/XX/XXXX and XXXX/XXXX/15 ) are listed as for " XXXX XXXX XXXX '' in a category called " MISC AMUSEMENT / RECREATION SERVICES ''. The total amount of the XXXX charges is $ XXXXCitiBank says that even though this is a cruise, because their system code for this charge was NOT a cruise code, they will not honor their terms T & C. They say they have sent this matter XXXX to their dispute department and my request has been rejected XXXX. They also tell me if my car repair shop ( or anyone else ) sent in a charge with the cruise code I would get the XXXX points per dollar spent. CitiBank says it is not their problem if something is mis-coded. They say the actual facts or truth as to what was charged does not matter, nor do their T & C. Only the coding matters.I disagree and look forward to assistance from your office in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX submitted a case to collection agency, XXXX The debt that has been reported is not true because when I moved out of the apartment, I had to submit a notice to terminate the lease as well. The manager of the apartments at the time made it very clear my situation was squared away. I had to wait on the new apartments to give us a date to move in but she had to have proof to hersupervisor that I was not just squandering in the apartment. So, she made me sign a new lease just incase. Well, now, I am still stuck with that charge. It is on my credit. I needed info from XXXX as to why. The account manager, XXXX XXXX called me back, and was very reluctant to help. He refused my request for a manager or his superior, asking " Why does it matter? ". I need this rectified as soon as possible. I need true answers as to why I am still owing debt I was not supposed to be liable for, where are rhethe papers filed With the apartment complex before it went to collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased a vehicle through XXXX dealership. The sale price was {$5600.00}. I had {$3000.00} to put down on it but was told by the dealer to put {$2500.00} for better chances of getting approved. The dealer then told me my credit was frozen and asked for verification of my SS #. I provided the proper documentation. They then told me that they could only get my financed at a 22 % interest rate. I thought that was because I had filed bankruptcy. I went to sign the papers, they had the wrong SS #. They then said they would fix it. After 3 hours, they said they fixed it and told me sign here, sign here, and rushed me out the door. When it came time to make my first payment I discovered they were still using the wrong ss # and added my down payment into my balance. I contacted the bank and they informed me that they still did not have the right SS # and that the reason why my interest rate was 22 % was because they take bad credit and since my credit was " frozen '' they approved me. The dealer never submitted the correct info. I then had to submit documentation to the bank. I am currently taking civil action against them. Then I received a letter from the dealer stating my balance is {$2600.00} and wanted me to trade my vehicle in. Then I checked XXXX and noticed that the bank charged my account off at a balance of {$4600.00}. Sale price was XXXX - {$2500.00} down payment, but I owe {$4600.00}? This is hurting my credit tremendously! Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
There is an inquiry that appear on my persona consumer report form XXXX, XXXX and Experian that I do not recognize from XXXX XXXX on XX/XX/2022. There is a possibility that due to the history I've had in the past with this particular financial institution, they my have issued an inquiry to cause me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I file a Complaint with Wells Fargo related to a XXXX transaction for {$600.00}. The transaction date was XX/XX/22. The transaction was sent to the wrong email address. I reported this by phone to Wells Fargo on XX/XX/22. They stated they would begin an investigation of the transaction at that time. I have claim number with Wells Fargo that I can provide to you. Wells Fargo sent a a letter on XX/XX/22 that they were still investigating and would follow up, but they have not. On XX/XX/22 I called to request that Wells Fargo send me information they are using in their " research ''. I was told this could take longer than 30 days, but I may hear from Wells Fargo on their own initiative at some point.

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 2017-01-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following inquires do not belong to me. I have previously tried to dispute them with the credit bureau with no result of having them removed. The bureau could not provide a signed contract stating the inquiry belonged to me or how my information was retained. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX. 
Inquiry XX/XX/XXXX XXXX & Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX 
Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Submitted a dispute letter to all three credit reporting agencies and the letter was served on Equifax on XX/XX/2022, and Equifax still has not replied to this day. Equifax is the only credit reporting agency who has not replied ; Equifax is in violation of the law and is causing me emotional and financial injury for their lack of compliance with the law. I've asked them to make sure everything on my credit report is XXXX XXXX accurate as is required of them, but rather than doing this which requires them to thoroughly investigate they have taken adverse action against me by doing nothing, which is causing me injury on a daily basis. Today 's date is XX/XX/2022.

Company response to consumer: Closed with explanation