BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
a merchant took me to wholesale warehouse ( not their store XXXX to choose granite counter top. i bought XXXX pieces granite counter top ( tag and taged XXXX pieces a date i was choose XXXX/XXXX/2015 ) but they delivery wrong granite XXXX different tag on granite ), total XXXX, they said if i want good price i must pay all cash -they dont pay sale tax-, i want pay full amount by credit card XXXX my credit line over XXXX $ XXXX, they said give them all cash i have and the rest by credit card if i want a good price, i trust them, make sure before i leaving i ask them a price included demolish my old counter top and rehook up plumbing and cook top, garbage disposal, they told me : yes. XXXX/XXXX/2015 XXXX men came to my house install granite, they delay and told my wife ( im at work XXXX they will came back tomorrow because they dont have time to work, and XXXX they came back i find down it 's wrong granite XXXX different tag ) i called merchant but they act like they dont hear me, i try to contact them so many times, call and text but no response, they pick up few times but act like dont hear me and XXXX intaller run away after they 're leaving after mess up my fench, my door, and not rehook up plumbing, breaking my granite ( they put a faucet on it, try to cover a breaking hole ). i called citibank to dispute right away on XXXX/XXXX/2015. Citi does n't carefully saw all documents i sent. they send me a letter said they closed my case because merchant send citi signed charge receipt ( the only my signature on sale transaction slip, and the merchant falsify and fraudulent everything they send to citi bank, THEY LIED THEY CALL ME but i have phone show they never call me, even they not reponse me, and a letter from BCS warehouse they wrote a sales rep tag and tagged a date i choose and pick out XXXX but why a granite at my home show different date and different sales rep ) i response to citi 2 times after citi send me a letter said they closed my case, and i call customer service so many times they lied me my case still working on it ... now they said they cant do anything maybe i must go to outside legal ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Carter-Young, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Carter-Young , Inc was contacted several times to dispute a fraudulent rent charge they applied to my credit report in the amount of {$2400.00}. I provided documentation showing I moved out of XXXX XXXX XXXX in XXXX with nothing owed. 

If I had owed any back rent, I would not have received a new housing voucher from XXXX XXXX XXXXwhich was received. 

I requested documentation of what they showed me owing. Carter-Young sent me a ledger sheet showing I owed a XXXX ( XXXX ) balance. It also showed I moved out in XXXX, which was incorrect. I moved in XXXX. 

I want this fraudulent amount removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: PNC Bank N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
advance fee loan. i have to file against XXXX different companies. never recieved any funding.spent XXXX of thousands of dollars. i will submit all info seperatly because there is to much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Credit Bureau of Jonesboro, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any information verifying or validating that this account is mine. I disputed with credit bureau and the collection agency still not provide me with any information. 

I need an instrument bearing my signature stating that this account is mine. I also need a breakdown and calculation for amount claiming that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I had a balance with Costco 's XXXX XXXX Card, I paid that Balance in full : Date : XXXX/XXXX/2016 Confirmation : XXXX Balance XXXX Now Costco changed credit cards and Citibank took over the XXXX XXXX Card. 
Citibank says I owe them the exact same amount of money that I already paid XXXX, I checked my bank account and the money was pulled from the account to pay XXXX. 
Now Citibank is trying to double bill me and charging me fees and interest on top of it. 
I am not paying them because I already paid XXXX and if Citibank took over the accounts then they should have this information. I 've been back and forth with XXXX and Citibank and nobody is taking responsibilty and I shouldnt be having to deal with this. And I know for a fact there are tons of other people in the same situation as I am. 
Please help me resolve this issue

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 2017-03-02
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Citi Mortgage is our mortgage co. In XXXX we did a re-fi with Citi mortgage and on taxes Citi did a Debt Discharge of {$13000.00} in each of our names. For the taxes of years XXXX and XXXX Citi Mortgage continues to do the same in amount and to each of us separately in our each name. Continuing the Debt Discharge was NOT part of the re-fi and yet is being done.

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 2016-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I properly requested via XXXX ( attached ) the method of verification Experian used to verify a disputed tradeline on my report. Not only did Experian not share information pertaining to my disputed tradeline as required by FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) but they did not include the business name, address, or telephone number of any furnisher of information contacted in connection with such information. Without this information, there is nothing for me to be able to use to verify this invalid tradeline.

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 2021-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Experian Information Solutions 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 reviewed my Credit Report by Experian and noticed a 30 day late payment on my XXXX Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by XXXX XXXX. All payments since entering into the program have been paid as agreed. I submitted a Dispute with Experian on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted XXXX on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe XXXX Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my 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 2021-09-28
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
1. Unauthorized use of credit report.

2. The credit reporting agency took OVER 60 days to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). 
I sent my letter on XX/XX/2021 it is now XX/XX/2021 and still no response or changes

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 2017-01-06
Company: Ad Astra Recovery Services Inc
State: WA
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:
AD Astra continues to report information on my credit report that is in violation with the FDCPA, Fair Debt Collection Practices Act. AD Astra continues to violate the Fair Debt Protection Collection Act by reporting information and claiming that I owe them monies. I have never entered into any contract or agreement with this company. Because they are a 3rd party collector, they must receive my permission to furnish any information on my credit report. They did n't do that and I will never give a debt collector permission furnish information on my credit file. They also violated a cease and desist letter sent to them by me, certified mail. They continue to contact me claiming I owe them monies. I have asked over and over to send me debt validation and were not able to validate anything but continue report false and misleading information on my credit file. They are affecting by ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Solidus Group LLC.
State: WI
Product: Payday loan
Issue: Can't contact lender

Complaint:
I 'm assuming this is for a payday loan based on internet searches of the number. They continually call me at work though I 've not taken a loan. They say I 'm going to be served at work or home. Sometimes they call from an XXXX number or XXXX. Other times it 's a private or incoming number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I got an inquiry on my credit report from Cash Central on XX/XX/2017. I never authorized the credit hit on my report. I never even applied for a loan. I am very upset they were able to put an inquiry on my report without any authorization. I tried to call them to dispute the information, but the customer service rep just kept reading a prompt, saying it was a legitimate hit. I want to dispute the information and I want it REMOVED from my credit report. I also want to know how they were able to run a check, without my authorization ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We short sold our home in 2012. PNC Bank was the lender for a XXXX ( Home Equity Line of Credit ) on our home. They have incorrectly reported the loan on our credit reports. We ca n't get a loan to buy a home again unless they provide a letter stating that the HELOC was NOT a charge off, but a short sale. They also incorrectly show XXXX accounts on our credit reports, XXXX with the correct account number and the XXXX with an attenuated account number that have each been reported differently ( XXXX shows a {$0.00} balance and the other shows an unpaid balance ). They are XXXX IN THE SAME account. I ca n't get through to a sentient human being inside PNC Bank to TALK to anyone about getting a letter drafted that states this. They have no email address, no fax numbers, no mailing address, and phone numbers that put you on hold forever, require an existing account number or SS # to talk to someone, and do n't put you in touch with someone who understands what we need or how CRITICALLY IMPORTANT it is for them to correct this error on our credit report and provide us with a letter. We are a family of XXXX trying to buy a home again, but are unable to get a lender to consider working with us until this is resolved. PNC BANK SHOULD NOT HAVE THIS KIND OF POWER OVER US!!! We need a roof over our heads.

Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Saturday XX/XX/2017 I went into my bank branch to sign papers to be able to transfer funds between my business and personal accounts and to cash a check. The teller refused to sign me in and let me wait in line for a banker and she then refused to cash my check ( MY business account check written to ME for cash ) and she refused to allow me to close my accounts as I requested several times. She said she was teaching me a lesson. There were no holds on my account, no reason for the check not to be cashed. She was mad at me because I said I was taking my money to another bank and she then absolutely refused to let me do anything at all on my account. I have filed formal complaints with the bank and have spoken to the branch manager. No one has called me back, when I call them no one will talk to me now. There have been many other problems as well, but this one has by far been the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Collection Consultants of California
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I asked the collection agency to supply me with verification of debt by providing me with the original application or forms with my signature on it and contract information from the original creditor. I sent them a letter of dispute on XXXX XXXX, 2015 and they never responded. This account is in another person 's name, but they claim that this person has me listed on their account. I asked them to supply me with documentation and they have not. This account is not mine and they need to remove it. They are not reporting accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I had a collection with RPM ( Receivables Performance Management ) agency. on XXXX XXXX XXXX I paid off me monthly payment and got the conformation email from them, but still in XXXX it is in my credit report, I tried to call them and find out about the issue, but all the time when they ask my firs and last name the hang up the phone. I called the XXXX the company that sent my bill to the collection agency, they said I am good in their system and I have to talk to the collection agency. I am not able to talk to them and solve my problem and my credit is awful. I can not even rent an apartment because of that. would you please advice. 
best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Are clearly violating my rights as a consumer, send them a request for validation, which received the day XXXX/XXXX/2016 signed be XXXX XXXX XXXX at XXXX XXXX and show proof on this site today after 30 days without being requested by law this account must be removed, never received any attempt to collect on this account, and giving me the right to dispute partially or totally the balance in question, if so, I authorize to show on this site that document and copy of receipt in my home, are trying to expand with explanations baseless this situation, the law is clear and concise, it is illegal to report unverifiable and inaccurate accounts on credit reports for consumers, it 's my choice how I choose to communication with your company, in this case the mail, under the FDCPA and FCRA if not received the requested information, are obliged to remove this information from your report from Equifax, authorize that 's to disclose any information provided to show my signature accepting responsibility for this debt, if they continue forcing report this account without legal base, will play his response to the FTC check the database CFPB, which is effectively a clear violation of consumer rights, and to take appropriate action against your company, agree not to wait for the system to be updated within 30 to 45 days, you can remove that information when they choose, each day this in my report is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an HSBC expat account. I am a ( US ) citizen XXXX XXXX HSBC required a lot of info about my address etc, to open the account, which I duly provided. However, after a few months, their security Dept asked me to update my info, which I did. They called back saying it didnt update so they need it again. This happened like XXXX or XXXX  times, each time asking for the same info I had already provided. 

I told them I was moving jobs, and they blocked my card in the middle of a move internationally, blocking my access to my own money, while in a move. My family couldnt eat due to not having funds. I tried to resolve this many times with HSBC but they never fix it. I just keep going in circles. I am stranded in a foreign country with no access to my money because of their idiotic process and because their system isnt showing the info I have sent them time and time again. 

I am furious

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I was contacted by XXXX in an attempt to collect a debt on the behalf of Cash Central. I had no knowledge of ever taking a loan out from this company. XXXX Cash Central who stated that I received a loan from Cash Central on XX/XX/XXXX and never made payments. I told them that I have no knowledge of applying for a loan. They told me to file a police report for identity theft, which I did. I filed a report with XXXX XXXX Police Department and filled out the forms requested by Cash Central on XX/XX/XXXX. Never heard another word. On XX/XX/XXXX, I called to follow up with Cash Central and the dismissal of the debt. Was told that it would not be dismissed because I did not have enough evidence to support Identity Theft. They only communicate, so they say, through email. I have not received any hard copy statements or notification about collections. I know nothing of this loan, filed a police report and do not know what other steps to take. Cash Central just states that I owe them the money, which I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Niece took out loan with Castle Payday loans in Michigan in my name. Loan was for {$800.00} with {$280.00} interest. She did n't tell me when the XXXX payment was due, so I did not put money in her checking account to pay it. But then I got an email from the bank saying that Castle Payday tried to take the money out. So after this, I tried to talk to Castle Payday to make a payment but they would n't tell me anything because I did n't know what email address my niece used, and she could n't remember which XXXX she used. This was after I provided my name, social security number, DOB and address and they still would n't talk to me. So after this I made sure that I had money in the account each time a payment was due. XXXX payments of {$280.00} each were made to Castle Payday, for a total of {$1100.00}, which was more than the total of {$1000.00} which it supposed to have been. My niece finally remembered which email address she used, and I was finally able to talk to them. They told me that all the payments I made were for interest, and that I still owed {$1300.00}. That makes a total of {$2500.00} for a {$800.00} loan. I find this to be totally ridiculous, and they should have talked to me initially after I gave them my name, social, DOB, and address. This company needs to have action taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was in Florida and when I exit the toll, there was no place to pay the money. I received a letter from AllianceOne, Receivables Management, XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX. AN : XXXX ; Ref # XXXX. I purchase a Transponder and went on XXXX website and activated it. I called AllianceOne twice and spoke to a XXXX XXXX and another unnamed female. I pointed out the extra charge of {$13.00}. XXXX refuse to remove the fee so I can pay the account. I feel this is unfair since I have a XXXX account. Your assistance is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: LendUp Loans LLC
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I looked at my credit report and seen something that I did not know of. I would like to file a dispute against it. It was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation