BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received grant from SBA, my bank ( Citibank ) closed my account and took my money {$10000.00} since this past XXXX. They still have the money and they did not send a check of that amount. I need your help plz.

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 2020-01-02
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX XXXX XXXX has hired Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to collect on my debt of XXXX. 

I am not disputing the amount owed or any interest owed to XXXX XXXX. I have been discussing my account with XXXX XXXX, and trying to work out a reasonable solution. 

I was receiving many phone calls at work and I did not want to discuss my personal business on the phone. 

Radius Global Solutions did an area search of all my neighbors and reached out to a retired Sheriff and asked them to reach me for a personal business matter - which means to anyone including a Sheriff its a debt collector. This neighbor has nothing to do with my family and should not be exposed to my personal information. 

When I complained to Radius Global Solutions - the response was they will remove the number and add it to a do not call list. They told me it was in my contact list in my XXXX XXXX Profile. This does not make sense, I never created a contact number in my XXXX XXXX profile for this neighbor, which does not share our family name. So Radius Global Solutions lied to me knowingly breaking the law on sharing personal information on a US consumer. 

I clearly understand the motive and I understand the job of a debt collector, it is the blatant abuse of a person in debt like me from firms like Radiant Global Solutions that must stop. 

The tactic being used is to embarrass and humiliate the debtor to submission. I was always in contact with XXXX XXXX and I intend to make good on my debt. 

Radius Global Solutions intentionally contacted my neighbor to create a atmosphere of guilt and shame and purposely reached out to a local law enforcement officer ( Retired ) to make sure I would be compelled to call them and make a deal to pay this debt. 

This is unacceptable and illegal. I have been an XXXX XXXX XXXX holder since XX/XX/XXXX and now because of temporary hardship issues I must make a different payment arrangements to make good on this debt. 

XXXX XXXX is a great company and I want to pay this debt in full, I am sorry that I can not pay the debt today, I just do not want to be ridiculed and embarrassed in my own home town.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: PatientFi, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Scratch sold my loan to PatientFi, but on XX/XX/2022 they took the auto withdrawal from my checking account and as of this date has not provided the payment to PatientFi. I am getting harassing phone calls and letters from PatientFi. All PatientFi says is that it is just something automatic in their company, but I am not coming up on almost being 30 days late. No one is helping me at PatientFi, XXXX, and they just say that if they report it late then they will fix it. This is not acceptable to me. I paid on time, I do not want my credit report affected because these two companies can not figure this out. I have made several calls and requested to speak with a supervisor. I was told that it takes 3-5 business days for a supervisor to return a call. I am frustrated and upset. I worked very hard to get my credit back up and now they putting me in jeopardy. I just keep getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$180.00} XXXX  XXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}

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 explanation
Consumer complaint received 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion reported a XXXX tax lien on my credit report that does not exist. I contacted the source reported and they denied such a lien exist and wanted to know why did transunion report a lien that does not exist. After contacting transunion they deleted the lien but left my score unchanged my score was XXXX now its XXXX this is unacceptable not only is this a violation of fair credit reporting this has caused my auto loan refinance to stall and damage my credit for no reason. Contact with them has not fixed the problem and they also updated my address to one in XXXX. Legal action is my next step.

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 2022-07-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland Credit Management XXXX, contacted me claiming they were the " legal '' in a sneaky way to imply they were lawyers. They demanded personal information without verifying/validating the debt. Then they filed suit, and in accord with my the Courts wishes I filed for " alternative dispute resolution '' - despite only authorizing the mediator to speak to the attorney - the attorneys provided a number that was to their collection line- while I understand this is possibly not a violation it is at best bad faith and smacks of representing that the boiler room collection employee is a part of the " legal department. '' XXXX {$6200.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX HAS PULLED MY CREDIT 2 TIMES XX/XX/2022 XX/XX/2022 I DID NOT GIVE TD AUTO FINANCE THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.

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 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TRANSUNION CONTINUE TO VIOLATE FCRA PROVISION 606 AND 623 OF REPORTING OUTDATED PUBLIC RECORDS AND AUTO LOAN ... ... NOT 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 2020-09-07
Company: Experian Information Solutions Inc.
State: AL
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 have disputed inaccurate information from my credit report, and it still has not been resolved.

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 2020-09-07
Company: EQUIFAX, INC.
State: AL
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 have disputed inaccurate information from my credit report, and it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
Medical Bill 26 U.S. C 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : 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 of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: WELLS FARGO & COMPANY
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have an account with XXXX 's Credit and they did not send me a bill. 

It is sent to Wells Fargo Bank N.A. when I write a check. 

My first purchase was on XX/XX/2020 when I opened the account for {$750.00}. 

I paid the amount in full onXX/XX/2020 in the form of a check. 

I only receive paper statements from companies so that I can guarantee their honesty. 

In XXXX I made another purchase for {$610.00} for which I never received a bill. 

When I went on-line to make a purchase in XXXX I was refused. I then went into my account with XXXX 's website and was denied access. So, I called the phone number on the back of the card and spoke with a rude representative who accused me of not paying my bill. I explained that I never received a bill or e-mail or phone call related to it. 

Why would they not contact me for 2 months? 

The representative told me I had switched to e-statements only. I told him I would never do that. I also informed him that if I were receiving e-statements then why did I not receive a notice via e-mail of a payment due. He had no answer. He also did not verify my e-mail address. 

Wells Fargo just took {$610.00} from my Debit Card as payoff. Resolved? after I threatened to sue which would become a class-action lawsuit eventually. Wells Fargo obviously does not want any more negative publicity.

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 2020-10-06
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have yet to receive my way2go Florida unemployment benefits card it has been over 2 weeks I have called repeatedly waiting on hold for hours only for them to say there servers are down and call back later and hang up before I can say anything or I wait on hold forever and they act like they cant hear me and hang up on me they have my card with {$1200.00} on it I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
.i purchased a vehicle for my sister, and capital one is trying to dispute the payment because we haave been having issues with them but first off i called in advance and made them aware i was making a large purchase and i wanted them to make sure the transaction did not decline and they made sure it did not normaly a XXXX purchase would naturaly be delined, so not only did they know about the purchase they made sure that it wasnt declined. then about 2 months after the purchase i was contacted by the dealership and told that capital one was disputing the charge to my astonshiment me and my father called we are joint account holders and were told by capital one that they we closing are account with no explanation why and we were free to open a new account. well w are absolutley takin aback by there poor customer service there lack of communication between difrent depts in there corp me and my father asked how we could pay off the balance owed on the card and we would not be applying for anthort account with capital one they are a night mare they said that we would be transfered to the payments dept and every time they hung up during the transfer when we directly asked to speak to a supervisor we spoke with a gentleman that not only told us that the previous XXXX capital one employees we had spoken with delibertly and knowingly had given us false information. the gentleman then proceeded to assure us that there were no issues, he had fixed everything and that are cards were still active not shut down and that we could contact him with any further issues, and apologized for the treatment we had recieved from previous employees. needless to say there of course were issues we went to use are cards again and my fathers was declineing but mine was not. so again me and my father have tried to contact capital one and see why and again we run into the same employees so me and my father say ok shut the cards down we are at are wits end and how can we pay off our balance, and capital one will not except payment from us and now the dealership says capital one is trying to reverse the charge and we will have legal issues if that happens how can they get away with that they were made aware of and approved the purchase but then all the sudden, because we called and complained about some issues we were having they shut our cards down refuse to honer any purchase we made in the past and refuse to let us pay off our balance on the card. how can they dispute a charge that me nor my father are disputing. and we are trying to pay are bill, how can they do this? what can we do? please we are so upset. and what about the dealership can they do any thing to stop capital one from reversing the charge they approved prior and were completely knowledgeable of the purchase they made sure it didnt decline and set my card so it would not decline prior to me making the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everday they call my number between XXXX and XXXX after being told it is not my debt, they say they will remove my number but apparently never do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I saw Capital one commercials that blank the national TV about XXXX dollar spending for XXXX miles. 
However, these miles are not equivalent to any miles used by airlines ( reward earning by flying ). This should constitute the AD is a false advertising to deceive consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: AFNI INC.
State: FL
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 have sent letters to this company seeking that they validate the debt. They have failed to do so. This company sent 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as the mandates of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019, I accessed my Wells Fargo on line banking to pay 2 bills to XXXX XXXX. I have a joint account with my husband and the online account is linked to his checking account. When I selected our joint account to pay bills from this time, and then clicked Pay Bills, in our joint account ( that option is in the account you select ) I then proceeded to pay XXXX XXXX ( 2 different amounts to both my XXXX XXXX  cards ) and clicked pay. For some reason, their site reverts the account to pay from back to his account and didnt use the joint account that I clicked into to start the Bill pay process. So needless to say, my husband paid 2 overdraft fees because apparently it does not matter what account you click into to pay bills from, once you are in Bill Pay it will revert to the main account. This happened one time before. Normally I can remember to change the accounts again once I submit a payment, but not all the time. This is deceptive the way they have the site set up and they wont refund me the full amount. I clearly had the funds to cover my charges, I was not truly overdrafting or hedging my payments against getting paid. Also, it should not be set to only have one account to pull from because it impact people that may use several accounts to pay various bills, like me. It is very unfair how their website allows you to select an account, choose bill pay and pay, but reverts your account to a different account that you didnt select to begin with and then charge you fees. It is very deceptive and unfair. I bet a lot of folks have 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 explanation
Consumer complaint received 2020-01-09
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted my mortgage company by phone, to get my information on a total pay off for my mortgage. The total amount for the pay off was giving to me. Once I applied for the load amount to pay of the mortgage loan it was denied. First Citizens Bank of XXXX XXXX XXXX XXXX, XXXX XXXX whom I spoke with at the Bank that holed the mortgage on my home mortgage, reported on my credit, which took 30 points of my credit score. denied my approval to pay of my home mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm having trouble paying my credit cards and they won't stop bothering me.. I told them I will pay when I can. I'm tired of getting harassed with different numbers everyday. Comenity bank is the ones harassing me.

Company response to consumer: Closed with non-monetary relief