BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was offered to have an XXXX citi card as there are no international fees if you use the card overseas. Bought my tickets with the card after i got approved. Before I leave the country I filed a travel notice and was provided a ref. no for it just so I could use the card. The consultant I spoke to assured me that my card is goodcto use. I tried using the card to make a purchase 5 days after but it got declined. So, I pulled up my account online and saw that there was a fraudulent hold placed on my account as I was overseas. Called citibank and spoke to different consultants and managers but no ones seems to know how to help me. They ask me for my personal informations like account password, date of birth, social security no. and banking information but they said they cant release the hold as they cant verify my phone no. as it was a prepaid phone.They did n't even tried to offer any other resolution as i was overseas. They finally told me that I need to go back to U.S. to fixed the enquiry. I spent probably almost 6hrs on the phone, trying to be nice and patient but none of them was being helpful. They keep on putting detailed notes of resolutions that they didnt do making me look bad everytime I would call them. Now, they would talk to me in a rude manner asking me to fax my infos ( such as social security card, Driver 's license, Permanent resident card, proof of billing etc. ) to them which clearly wouldnt work as I 'm overseas without access to fax and is using a local philippine mobile no. I want to now make a formal complaint as this was not my fault to begin with. The agent i spoke with put notes on the account about the travel notice but failed to apply the travel notice itself on my account and still they wouldnt accept it as their fault and release the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$1100.00}. XXXX XXXX XXXX is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) XXXX XXXX XXXX XXXX it is a third party and has no standing to deny my claim. I am aware that XXXX XXXX XXXX can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold XXXX XXXX XXXX liable for these violations. I have reasonable cause to believe XXXX XXXX XXXX is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe XXXX XXXX XXXX HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe XXXX XXXX XXXX is in direct violation of 31 U.S. Code 3729 - False claims.

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 2017-03-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing statement

Complaint:
I opened a Home Depot Credit Card account. Months later I bought counter tops. 
When I purchased the counter tops I used a 24 month promotional loan. 
The account had to be " switched over '' to the promo. I was told to check my statement the next month and if I did n't see the promotional terms to return to the store so they could " fix it ''. The conversion did not take place so I returned to the store. I had the account converted and was told I was allset. I waited for a new statement. I received a notice reading I was 30 days late on payment. I did n't pay the incorrect statement, and did n't have a corrected statement so I did n't pay anything as I was n't sure how much I was supposed to pay. At first I thought I lost a bill because I found all of this to be sort of confusing, but I easily could 've paid them had I known they wanted some type of payment. No one made it clear that payment for an incorrect billing term was expected.

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 2022-09-16
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 I contacted Experian about some inaccurate accounts on my credit report. They verified these accounts through automatic verification which I did not consent to. they have violated my rights and these accounts should 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have contacted Bridgecrest several times about the status of my account with them. On 3 different reporting agencies, my account is reporting different information, 2 of which are reporting closed/charge-off accounts, and XXXX is reporting a higher balance of XXXX. I called Bridgecrest in XXXXXXXX XXXX XXXXXXXX, and inquired about the inaccuracies on my account the representative reported to me that that was inaccurate and that the actual balance was XXXX. If the account is reported as a charge off then the creditor has filed a XXXX / XXXX Cancelation of Debt with the IRS and has also sold the car back in XXXX and didn't send me written notice of the remaining balance of the loan. According to 15 U.S.C 1605 the Finance Charge is the Sum of all charges and I have paid that Finance charge and more to this account, and they have also charged off this account and are still trying to collect on the debt that has been canceled with the XXXXXXXX XXXX thus this debt is paid in full to Bridgecrest! Bridgecrest is unlawfully reporting to All three credit bureaus as a negative account and the Open account is negatively affecting my credit and causing me harm. As a result of their unfair practices, I am unable to obtain the car and Credit that I'm in need of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: KEYCORP
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
KEY BANK REFUSES TO SEND MY A MONTHLY STATEMENT TO PAY THE LOAN ON TIME. I SET UP AUTO PAY WITH THEM THEY TRANSPOSED MY BANK ROUTING NUMBER AND NEVER CONTACTED ME TO PAY THE BILL. KEY BANK THEN PUT THE LOAN INTO A REPO STATUS. WHEN I CONTACTED THEM THEY REFUSED TO TAKE AN " ACH '' PAYMENT OVER THE PHONE. THEY TOLD ME THAT I HAD TO GO TO A KEY BANK BRANCH WITH CASH OR WIRE IT TO KEY BANK USING A XXXX XXXX WIRE. 

IT TOOK THEM OVER 20 DAYS TO PROCESS THE CASH WIRE HOLDING UP MY SONS COLLEGE LOAN UNTIL I COULD GET CONFERMATION THAT THE LOAN WAS UP TO DATE. I HAVE HAD THE LOAN FOR OVER TEN YEARS. 

ALSO THERE ARE NO LONGER ANY KEY BANK LOCATION IN THE ENTIRE STATE OF XXXX. 

EVERY MONTH I HAVE TO CALL A KEY BANK BRANCH MANAGER IN XXXX AND HAVE HIM LOOK UP MY ACCOUNT AND EMAIL ME A STATEMENT BECAUSE KEY BANK STILL REFUSES TO SEND ME A MONTHLY STATEMENT. I BELIEVE THAT THIS IS DONE ON PURPOSE TO INCREASE LATE FEES FOR THE BANKS. I BELIEVE THAT THIS IS PREDITORY LENDING AND SHOULD BE INVESTIGATED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$170.00} as well as another alleged amount of {$100.00} for a combined sum of {$270.00}. EASTERN ACCOUNT SYSTEM is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. EASTERN ACCOUNT SYSTEM it is a third party and has no standing to deny my claim. I am aware that EASTERN ACCOUNT SYSTEM can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold EASTERN ACCOUNT SYSTEM liable for these violations. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM is in direct violation of 31 U.S. Code 3729 - False claims.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
OnXX/XX/XXXX the Social Security Administration wired a lump sum back payment of over {$12000.00} to my AMEX Serve card. I was told it would take 3-5 business days for the money to appear. Today is Day 6, and I don't have my funds. I've tried multiple times to reach out to AMEX, but their Contact Us numbers are recordings only. There is no way whatsoever to reach someone who I can speak with to find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citizens bank has completely destroyed my credit as a second chance bank and completely made me lose all faith in the fiduciary obligation responsibility they pretend to have, they have throttled my account I tried to fix this through the bank but they totally deny any wrong doing so I ask for a thorough investigation into my complaint please see documents for dates I WOULD RATHER LET THEIR WORD TALK FOR ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have submitted a complaint against Citibank for an identity theft a few years ago. The bank has done nothing at all, but the cost to me is about {$40000.00} now. I am sure that XXXX rules were violated by the bank and have written this to them on this website, but I have no response. What more should I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: BB&T CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I traded my car XX/XX/2017. the dealership paid off loan but short payed XXXX. I contacted dealership and they are going to pay remaining balance some how it was paid off after the 20 day pay off. The finace company has called me 6 and 7 times a day for 2 weeks. I explained to them what happened and that the dealership was going to take care of remaining balance. Now they have starteded calling me at work ...

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 2016-02-10
Company: Credit Bureau Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt collection company ( CBCS ) continues to harass me an d try to collect on a debt that has previously been paid. I have subsequent billing statements that show the debt as no longer being owed, and that I am 100 % current. 

On their first attempt on XXXX XXXX, 2015, I sent a cease communications letter that explained that their charges were in error and that I choose not to work with a third party collection agency. 

On XXXX XXXX, 2015, they sent an additional letter demanding payment. I replied stating that I do not wish to work with a third party collections agency and to please cease communication with me in regards to this error. 

Today, I received a third harassing letter demanding payment for a debt that I have previously paid in full to the original creditor. I have penned a third cease communication letter and will mail it out in the morning certified mail. 

I have copies of the certified mail receipts for the first two letters, and a copy of the letter 's themselves if needed. I suffer from XXXX ( XXXX ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit 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 2016-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by USAA seven times today. Five times within one and a half hours. I had n't been answering the calls and when I did finally answer the call I spoke with " XXXX. '' He informed me that it was " irrelevant '' as to how many times he contacted me as long as I had n't answered the phone. I am submitting this complaint to inform XXXX and USAA that their collection methods are annoying and harassing and I would like it to stop. I will be submitting a written letter and request to USAA as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX, has violated my rights XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other than records of conviction of crimes which atedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. My account in paypal is XXXX they limit it since XX/XX/2022, I can not use it for my online selling business. It has stucked funds and I have to withdrawn it asap so I can give the buyer his item. I had a transaction someone buys my product worth {$12.00} included with a fee of {$0.00} and then suddenly paypal limit my account.I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
citi mortage continues to harass me. I previously filed a complaint about citi mortgage calling me 2 days in a row even after I made a payment arrangement today XXXX/XXXX/2016 I call in to citi mortgage at XXXX and made my mortgage payment after my payment was made citi mortgage called me at XXXX XXXX XXXX XXXX and XXXX .. again all of these calls were made AFTER I made my payment. I have a call log to show proof of these harassing calls.. citi mortgage continues to subject me to harassing phone calls and I am sick of it.. a cease and desist letter is NOT the proper way to handle this issues.. CITI mortgage needs to update their dialer system to make sure that a customer is not harassed after a payment is made and their account is current .. this is absolutely ridiculous

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXr XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting 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 2017-01-21
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loans are so out of wack. I was XXXX and I called and informed them and I feel they should correspond correctly and handle each case. It 's been so frustrating. Please help I totally do n't understand I 'm XXXX.

Company response to consumer: Closed with explanation