BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has

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 2016-07-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with citibank on XXXX XXXX stating that if I deposit $ XXXX I will receive a {$300.00} bonus. It is now XXXX XXXX and I still have n't received it. I have submitted inquiries twice and called to get this cleared up and both times they have denied me and said they either do not have the bonus code on file or that I did n't meet the terms of the bonus. Their explanations have been inconsistent. I have been given XXXX completely different reasons for my denial an each referenced a different bonus program which tells me that they are not being consistent and they are being fraudulent. 

I am writing you because I have been made aware that Citibank has a history of doing this to customers and they need to be held accountable. I have no reason to just park $ XXXX in an account for them for 4 months. It seems to me that they do this with the hopes of having a free $ XXXX to use as essential an interest free loan for them since they did n't hold up their end of the bargain and apply the {$300.00} bonus. It irks me to no end that I have been given the run around by them for over a month now and I will be canceling my account with them and ensuring others do the same.

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 2016-07-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-10-07
Company: Experian Information Solutions Inc.
State: PA
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:
My wallet was stolen at a Mall in XX/XX/2014and was never found and the thief has used my information numerous times!!!

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 2017-04-24
Company: DISCOVER BANK
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:
Discorver Card repo rted on my credit report that the first major delinquency was on   XXXX   XXXX   The problem is I filed   XXXX   XXXX   bankruptcy prior to  Discover Card reporting the delinquency to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other fee

Complaint:
I have used the Macy 's card on my account for XX/XX/XXXX and XX/XX/XXXX to pay for some things at the Macy 's store in XXXX MA. However, today is XX/XX/XXXX and I only learned that my account was overdue 2 weeks ago when they phone called me to notify me. They have added XXXX late fees on my account already XXXX of {$39.00} and XXXX more of {$29.00} dollars without warning me ahead of time. I was expecting their mail statement but they have never sent me XXXX until I requested the person that phone called me XXXX weeks ago to do so. On XXXX XXXX I spoke with XXXX XXXX ( Manager ) at the collection department who was very rude and verbalized to me that I used their card and that I do n't want to pay now. No need to mention that I felt so offended With her statement. Nevertheless, I asked XXXX to waive the late fees since it was their fault for not mailing a statement to me before but she stated that I was supposed to call them and ask about my bill and that they have no obligation to mail me anything. I friendly verbalized to XXXX that I would not know how often they generate their statement and for that reason I would not call as it has only been 2 months and considering the fact that every company generate their statement differently. Some generates it every month, others every3 months, etc.. XXXX XXXX my argument irrelevant and stated she is not going to waive anything for me.

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 2017-04-12
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid and on the credit report its stated that its a joint account responsibility and that 's inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Sunset Solutions Group, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received several messages stating they were from XXXX group - stated it was regarding multiple violations regarding my SSN - when I called back ( XXXX and XXXX ), spoke with a XXXX XXXX who then stated she was from Sunset Solutions ( the number she gave me is not the number listed for Sunset Solution Group XXXX XXXX )- and since the debt they were claiming I had was over 5 years old, the " attorney '' ( XXXX XXXX XXXX can't find him anywhere ) would settle with me for XXXX When asked who the debt was with and could she email me a debt validation letter, as I was not aware of what she was referring to - she refused and became very upset that I was asking who the attorney was - and who the client was. She stated client was XXXX XXXX - When I asked for the information of the attorney, she said XXXX XXXX, but that I was not allowed to speak to him and he would see me in court - then hung up. 

I have reached out to Sunset Solutions to verify if this was even them - I did reach out to XXXX XXXX- they are not a client of Sunset Solution Group

Company response to consumer: Untimely response
Consumer complaint received 2019-12-22
Company: EQUIFAX, INC.
State: GA
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:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Lender illegal reported to my credit as a auto  REPO  when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it.  Regency Financial turned  my money loan into a  AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with CREDIT COLLECTION SERV plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CarMax, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Carmax Auto Finance charged excessive fees for a loan that already had high interest. My car has been paid off for two years. They refuse to release my title. The robo call me from an unidentified number. I paid triple the amount my car was worth. Their fees are predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received excessive calls a day 18 calls last week alone. I have a bankruptcy filed chapter XXXX. This is a violation of law

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 2019-05-21
Company: Weinstein & Riley, P.S.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I just received a letter from my bank account stating that agarnishedon my account to received money was not notified with papers about a law suit and judge sign off on this case the case # XXXX the law firm name is Weinster & Riley I believe this same company yyears ago sent a deputy 's of law to my house and threatening 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 2019-12-22
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a medical debt that went into collections with AR Resources. I paid the debt of {$220.00} in XXXX of 2019 and have the transaction code ( AR Resource term ) they gave me as proof of payment. It is transaction code XXXX, that is the code they gave me as proof of my {$220.00} payment. The debt has been on my credit report this whole time and I have worked diligently to get it removed. It was not removed however. XXXX XXXX found the information of the debt to be correct!! So AR was telling them I still owed the money. AR has not submitted any information to remove this debt from my credit report. They refuse to help me at all with my credit situation. Please help me get this information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2019 someone tried to obtain credit services from XXXX XXXX XXXX I got a notification from my credit monitoring service, I called XXXX withing minutes, they were able to stop the account from being opened, they sent me a letter the following day stating that it was fraudulent, and that I was not responsible for it. Also they stated in their letter that they will notify Equifax to take the inquiry off my credit report. I have been waiting since XXXX XXXX, I have called XXXX over XXXX times, they keep telling me that they sent out the letter for removal but Equifax tells me they have not received anything from XXXX XXXX XXXX. 
Equifax tells me they haven't gotten anything from XXXX XXXX XXXX and they redirect me back to them. Its an endless loop. 
I have filed a police report, which I will upload to you as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the collection agency in XX/XX/2022. I tried to get a pay agreement for XXXX installments, but the lawyer was rude and aggressive. Instead of paying the entire amount owed {$750.00}, he said I had to pay {$1200.00} upfront, give or take a few dollars, if I wanted to sett the bill. Honestly, the bills isnt mine. A family member stole my identity. Im putting my life back together and need the bill off of my credit report, but I dont have additional money to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022, Transunion I want monetary relief due to your company violating my consumer rights. 

TRANSUNION is violating the Fair credit reporting act laws. I am requesting monetary relief. 

XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE XXXX ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT. 

XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. [ THE DATE OF ENTRY ARE SHOWN ] THE DATE OF ADJUDICATION IS SHOWN ALSO ] XXXX. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

XXXX. Compliance procedures [ 15 U.S.C. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I REQUESTED TRANSUNION TO CHECK THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY. TO VERIFY IF THE BANKRUPTCY WAS MY PREVIOUS OR PRESENT ADDRESS. THEY DID NOT VERIFY THE ADDRESS. 

XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


XXXX. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFYING ME WHEN THIS BANKRUPTCY WAS PUT ON MY CREDIT REPORT.

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 2019-12-22
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
settle for XXXX to XXXX XXXX XXXX collection agency by mistake send a check for XXXX contacted them and they will not send me back the amount over paid I am on XXXX tried several times they fraud told me a lower amount to settle my account and now what give me back the money that is due to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
My wife and I both signed up for our own individual credit account. it was based off an offer 0 % interest a fee waiver for the annual fee and bonus miles after a certain amount of money was spent. I received a high credit score of XXXX I also happen to obtain a large limit from the slender and on top of that they waive my fee. Yeah were tied it was for 0 % interest which they gave to my wife 's account and did not get to my account. When I question their practices and even offered my wife 's account information so that they can compare and contrast the XXXX accounts they refused to take her information and merely told me in writing that I had the best offer available. his peer to be a lackluster investigation is no one ever talk to me about what I ended up signing up for it was merely just a description and nothing more was done no remedy was offered. I have since close the account and will pay off the entire {$9000.00} balance this week which demonstrates my Credit worthiness.

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 2019-12-22
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Started my daughter XXXX Treatment at the XXXX, Tx XXXX XXXX at XXXX XXXX XXXX location in XX/XX/2018. I moved & transferred locations. My daughter currently receives treatment at XXXX XXXX XXXX. XXXX, Tx XXXX XXXX location. The balance was transferred to this location as well & is associated with a new account number. I have only 1 account with XXXX XXXX for my daughter XXXX. But 2 accounts are showing. 1 that is current and is not in collections & this one which is inaccurate. I have disputed before but it is still on my credit report. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Mountain Run Solutions, LLC
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 agreed to make a purchase for a security system and monitoring service. I was not properly provided with a hard copy of the sales papers before installation. I tried to cancel the sale on the same day that the purchase was made. Their customer service did not know how to handle my complaint. I was placed on hold for long periods of time. They failed to provide the proper security system and installation. I cancelled the sale in writing as per their instructions. They have since then sold my account as delinquent. A bill collection agency has reported me to the credit bureau as having a collections account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2022 I have had several account removed from my credit report and my credit score has not gone up. Please update my score as soon as possible.

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 2022-05-02
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
How does a XXXXXXXX XXXX XXXXXXXXXXXX XXXX  corporation, US Bank, take money from a working class man, who's enrolled in a debt resolution program, XXXX XXXX XXXX, and has US Bank listed as one of the creditors they're working on settlements with? On Tuesday, XX/XX/XXXX, my account ending in XXXX was debited {$960.00}. I immediately called the fraud department, they couldn't find where it went, but took the report. I went to a nearby branch, and they discovered US Bank had taken it. Again, I'm enrolled in a debt resolution program, since XX/XX/XXXX, and they're working with US Bank!! I called one of there XXXX # 's and was assured US Bank doesn't take money from your account without permission. On Thursday, XX/XX/XXXX, I talked to XXXX XXXX, Recovery Charge-Off Department for Loans supervisor. We talked 18 minutes about me being enrolled in program with XXXX XXXX XXXX. She said, " If XXXX XXXX XXXX contacted them, they would consider refunding the money. '' To add insult to injury, on Friday, XX/XX/XXXX, my account ending in XXXX was debited for {$1100.00}, putting my account at- {$110.00}, and being charged a {$36.00} overdraft fee, after speaking with XXXX XXXX a day earlier. I thought after banking with them for almost 20 years, having a simbiotic relationship and being enrolled in program, relationship would continue. I'm devasted, in dire straits, after having {$2100.00} taken in a matter of days!! I can not pay rent, utilities, car note, insurance, gas, groceries, cell phone, pick-up needed medicine or buy lunch. PLEASE HELP!!

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