BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Late fee

Complaint:
We used a Home Depot credit card with a 6 month no interest. We were leaving for XXXX for two month during the winter and paid the card off. When we returned to XXXX we checked our mail and we had a late fee from Home Depot ( Citi ) on a zero balance which in turn had another late fee on the first late fee. So when I called the XXXX number and enter my information the automated system tells me " this is an attempt to collect debt '' ... first of all I 'm the one that called!! ..This would have been a lot easier if they would have called a month ago. I told them that I had paid the card off and was out of town not expecting any problems. We paid the card off on a Sunday which the payment went through on a Monday. They told me when I paid it off, the payment should have been made on the Saturday but the payment would have still been made on the Monday. They made me pay a {$27.00} late fee saying that they took XXXX off but how can I get a late fee from something that has a ZERO balance? What they are doing is charging people and then keep charging them without even contacting them so they can keep making more money! ..I paid the money and closed the account in which they did n't care. They tell me ok we 'll send you an e-mail with the closing information ... wait..what? They can e-mail without even asking for my e-mail because they already have it on file but they ca n't e-mail me XXXX tell me I 'm incurring late fees?? These people are crooks and the Home Depot has lost all my business because of them!! Funny thing is, is you ca n't talk to Home Depot about 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 monetary relief
Consumer complaint received 2016-03-15
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to XXXX. A telephone conversation with a XXXX representative indicated that my XXXX account balance this morning is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Wagner Financial Services, Inc.
State: NC
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 our shaded a vehicle last XXXX and it broke down the first day. Company advised me to keep the car til information from the doc come back and then trade it in. Which was done last year. The 2nd car they gave me has been total loss 3weeks ago, so insurance paying it off. I went to get another car but no one will give me one because the first car that broke down is on my credit, and it says 5 payments were made and payed off. I never had to make a payment nor paid it off. Want take it off and I cant get a car anywhere because of there mistake. They handed me a paper stating the car is paid off and in good status but that never happened. I explain thats stopping me from getting a car. They told me to get it off. I really need help. I cant go to work becatno transportation now and they want remove it immediately off my credit.its incorrect on my credit report because the car was also turn in and traded out for the car was wreck.something went wrong and not willing to go to credit bureau to get it remove cause of there mistakes.this is a emergency situtand I do have the letter Wagner gave me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 am submitting this complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. How many times do I have the Credit Bureaus that the information they report on my Credit File is erroneous and is leading to a Negative impact on my Credit File? I have been requesting for the Credit Bureaus to conduct a proper verification of the Disputed accounts by sending me certain documents to prove the Credit Bureaus credibility and authenticity of the information they present. I don't even know if the Credit Bureaus really did conducted an investigation or not since they have never responded to my Letters. Right now, I am submitting this complaint once again to have the following items investigated and corrected. If the Credit Bureaus can not provide proper verification nor correct the disputed accounts, it would be wise to have the items removed completely from my Credit Report : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX fraudulent Sears credit card accounts were opened using my name and address on XX/XX/2016. This complaint is for the XXXX of those accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX account, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: Solidus Group LLC.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This complaint is being filed because I am concerned that I have been made victim of misrepresentation and that this company has taken my money ( because I authorized it ) and they have been very uncooperative in helping me find a resolution. I first started feeling this way because I was preparing for my records some 'Paid in Full ' statements from companies that I had become delinquent with. I had called one of the companies that I was trying to request said information and they informed me that I still owed money to the company and that my account was in fact not resolved. I recalled my financial records and it stated that I paid a lump sum of {$510.00} and remembered the call that I had received from this company. The call itself was left as a voicemail and the gentlemen on the phone said that he would be sending me a court summons if I didnt call to resolve this matter before a certain date. In a panic and being scared I called back instantly and tried to get this matter resolved. The same voice that left the voicemail answered and read me a line of information and then connected me with another man that took my debit card information and I set up a payment plan to try to resolve the delinquency that I had been in. Flashing forward to when I tried to get the documentation that stated I was paid in full the company told me that I had not paid anything. I then called 'Clear Credit Solutions ' and I was forwarded to a man who said he was in his car and was not at 'the office ' and he would call me back once he was. The gentlemen didnt return my call nor did he take my phone number for a " return call. '' I waited a few hours and called again, got a voicemail, left a message with my name and phone number to be called back. A few hours back I received a call from a gentlemen stating that he was forwarded my phone call to talk to me about the charges. I asked the gentlemen if he could tell me what the account was that I had paid of and he stated that he did not have that information but he had " an account number '' but no account information. When I asked if he could send me a receipt for my charges, the gentlemen sent me a word document that had seemingly just been typed up and for an amount that was incorrect, though I paid {$510.00} ( as per my bank statements ) the receipt was for {$510.00} I am not pleased with the service that I have gotten, I am not pleased with the fact that my money was taken because I was threatened into giving my money to this company and I am not pleased that there is " no access to my account information '' so that I have no idea what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Multiple accounts on my report that I do not recognize

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 2022-03-23
Company: Central Portfolio Control Inc.
State: OH
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:
The account just appeared on my credit report XX/XX/2022 out of nowhere in the amount of {$830.00}. I had nothing on my credit report for this amount anywhere. I have disputed it and asked for written verification of the debt from CENTRAL PORTFOLIO CONTROL, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MN XXXX with nothing heard back. I received ZERO written information via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I had fraudulent activity on my Citi credit card that I disputed in XXXX. I was issued a credit and received confirmation all had been resolved. Then on XXXX XXXX, 2015 I received a letter saying the transaction had been reversed. I immediately called Citi and was told the office that handles disputes was closed and to call back the following day. I did as instructed and called back. The agents I spoke with said the wrong department had handled my dispute originally and that another disputed had been issued with their fraud department and for me to expect a refund in approximately 2 weeks. Well here it is 2 weeks later and still no refund. I called them yesterday and was told that I had 15 days to respond to their letter and since I had not responded the matter was closed and there was nothing I could do. I explaine that I most certainly did call as soon as I revived the letter and the agent at Citi said no I had not and nothing else could be done. She would not allow me to speak with a supervisor so I 'm left no other options at this point other than to seek your help to gain resolution on this matter. 

Thank you, XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We had a vehicle totaled with USAA. The USAA insurance finally paid the USAA auto loan to pay off the loan. It is currently showing as a XXXX balance. The agreement has been signed and was originally sent over 3 weeks ago. I contact USAA to get the over payment back. They took an auto payment they should not have and are now saying it will take over 2 weeks to process the refund of the payment. This is unacceptable. They continually advertise their fast and actuate claims payouts. I have not seen this at all. Now these incompetent people are refusing to issue a refund in a timely manner. The payment has posted to the account so they obviously have the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone had tried to purchase a Credit Card with TJX rewards which was issued by Synchrony bank.

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 2022-07-18
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 am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00}

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 non-monetary relief
Consumer complaint received 2017-02-18
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I made a deposit at Citibank. There was a {$400.00} bonus for signing up and depositing {$15000.00} and keeping it in the account for 30 days. The bonus was promised to be in the account in 90 days after meeting the requirements. 

I fulfilled the requirements and when the bonus was n't credited to my account, I contacted them by email and by phone. By email, they wanted 30 days to " investigate '' and by phone they promised to take care of the matter and credit my account. Months passed, I called again and spoke to a supervisor who now claims the account was n't qualified or something or another.

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 2015-08-14
Company: Stenger & Stenger, P.C
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
15 years ago I opened a low line of credit credit card with XXXX XXXX. Due to unemployment and medical bills from a very sick baby this card ended up in default. It has been over 10 years and now Stenger and Stenger are threatening garnishment for a debt that was written off. The have been renlentless with a debt that is past the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another COMPLAINT to block the unknown items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to block any items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this report in my previous complaint XXXX, XXXX, and XXXX & I am including it again. Also, the information you provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please block the items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX - ; XXXX XXXX XXXX Balance - ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXX Balance - ; XXXX  XXXX Balance - XXXX XXXX XXXX XXXX XXXX FL XXXX Balance - ; XXXX/XXXX XXXX Balance {$2100.00} ;

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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: NC
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 sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: STERLING JEWELERS, 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: Account information incorrect

Complaint:
I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

Kay Jewelers are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I never authorized anyone to report hard inquiries on my credit report therefore they must be removed 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 2020-03-13
Company: Experian Information Solutions Inc.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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