BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. They have sent a letter now stating I owe for a loan on my truck that was already paid, but didnt send original documentation. They have falsified documents with forged payments not showing accurate payments that were made at all. The debt was charged off in XXXX. I was in bankruptcy during the time the debt was charged off. So they are attempting to collect a debt that was charged off by the original debtor will I was in bankruptcy. Plus ; the debt is past the statue of limitations and is time barred, and no property or collateral can be seized. They are attempting to sell my vehicle and never gave notice of me owing a debt which is the law. Also, I have to have the opportunity to buy the vehicle back at value according to law. They are using harassment tactics to collect a debt that has XXXX been paid. Illegal practices are being used. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after 7 yrs and any debts were passed statue of limitations and were considered time barred debts and in after 6 yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past 7 yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately. Something needs to be done Immediately. Citifinancial Auto please send a release and letter of forgiveness for this debt that was wrongfully taken. I am a XXXX Veteran and served my country with honor. This is not the way you treat hardworking people who have placed their lives on the line for this country. I paid my debt and honored my commitment to you now please send my letter that shows my debt was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2022-03-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
For twelve ( 12 ) years Ive been called a privileged member of the American Express Card, but it seems they change their minds, as they recently canceled my account without any notice. When I try to find out the reason for said cancellation, they alleged that they do it for three ( 3 ) reasons : I have a decrease in my credit score punctuation Two ( 2 ) late payments, One unpaid payment for insufficient funds First of all, my credit score punctuation has been the same for more than one year ; it doesnt decrease in any way, as they said. The two ( 2 ) late payments alleged, were made on the past year, not on this year, and it was the only time that this happens in the past 12 years of using the credit card. The called unpaid payment was a payment made in advance, as the account was on-date. If the reasons alleged were reasonable, then why they dont cancel my account during the past year, and decide to do it now. I will understand so, and will not feel angry for that, if there was a real understandable reason for the cancellation. I think that maybe their action now responds to a claim made a few days before ( the first-one I made in 12 years ), when I finally was oriented that during the 12 years I have accumulated a total of XXXX points, which is equivalent to {$10000.00}, and that I could use the points to pay the total amount due on my account up to that date, which was around {$6000.00}, and still have enough points to continue and keep on using the credit card. When I called to make that move and ask them to redeem the points acquired, they canceled the credit account and the points accumulated for said years without any notice or advise. Clearly it looks that this is a strategy for not redeem the points, in order to keep on receiving money from their members, instead of applying the points acquired to the account. In the past 12 years, every time I need to talk to someone by phone, there was a XXXX speaking person on the other side eager to help me. Since this situation happened, I ask for a reconsideration, and every time I try to call and ask for a XXXX speaking person to explain the situation, theres no one able to speak to me in XXXX, and I have to talk to an interpreter, which results humiliate for me, as it is difficult for me to understand all the terms in english. This is why after seeing your online page, I decide to write you, and ask you to assist me in this matter. I will be grateful for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please be advised that as of today, I have not received any response from your organization regarding my disputes with the accounts listed below. These accounts are still being reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Numerous Follow up letters were sent and still went unanswered. 

Transunion is in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: Albert Corporation
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I want to tell you about my interactions with a company called Albert ( XXXX  ). They tout financial and budgeting resources, apps, and advice. I trialed their app and services and it has led to a financial issue I have yet to find a solution to. My experience made me wonder how often this happens to other families and what can be done to stop this predatory financial problem. The company began withdrawing monthly payments of {$7.00} from my account during my trial period and even though the app never worked correctly and kept locking me out and I never even got to use their services, they have continued to charge that monthly fee to my account without fail, despite being told numerous times by me to stop and to cancel whatever subscription they say I am supposedly using. I have full documentation of my attempts to resolve this issue. I am told to stop the payment from my banks end I have to pay a fee larger than the amount being taken and the bank said the company can keep taking the money every month so it would have to be stopped every month too. The {$7.00} a month doesn't sound or seem like a lot I know, but it adds up quick, plus it often results in an insufficient funds fee/charge from my bank and has caused vital payments like our mortgage to get missed resulting in a fee on our lenders end and jeopardizing our home buying process. This has resulted in significant emotional, financial, and familial stress for our family of XXXX. I can't imagine what people with even less resources than us do in this kind of situation. I don't think it's just this company that does this... 

I initiated the process back in XX/XX/XXXX. I made my second attempt to resolve the matter in XXXX of XXXX. In XXXX of XXXX I made my third and final attempt to resolve this issue in a satisfactory manner. The company admits that they did receive my communications in XXXX and in XXXX said they could issue a refund of just over {$60.00} but never issued the refund. Then just now in XXXX they said they could only refund {$24.00}. 

In XXXX of XXXX I sent them an email detailing what I would like to have happen. Their continued fraudulent electronic funds transfer were completed without proper authorization from the moment I revoked their privilege to complete the funds transfer with my XX/XX/XXXX correspondence.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield  have not verified debt accurately. I never signed a contract with them or  XXXX   XXXX , my contract was with  XXXX   XXXX  but  Hunter  is reporting to my credit report as owing {$4500.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked multiple times for these companies to give me a copy of this debt and nothing was given to me I. Written. There is no record of me signing off on anything I have asked them to remove these debts off my credit report and they refuse to do so and it is impacting my life horrible. I am have called them wrote letters to these companies. And there has been no answer or reply to my letters or phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
KeyBank constantly overcharges my checking account on overdraft fees. I manage my money every month so that it would never go negative, however, because  KeyBank  processes transactions on random days it causes my account to be overdrawn multiple times. Transactions do n't get processed days later, even when I had the money to cover them, so my account always ends up being negative 10 days later, because my account is never up to date. Why? Those fees add up to hundreds so most of my paycheck usually goes to the bank just to cover the overdraft fees. Every overdraft fee is {$37.00}, so even if I only spent {$4.00} at a gas station thinking I had money on my account they would still charge me {$37.00} plus {$28.00} reoccurring overdraft fee -- - this is simply because, once again, my account balance is never up to date. Fix this  KeyBank  or I 'll never stop complaining about you. To everyone. To the internet. To the entire universe. Stop treating your clients as your bank account and start working for us like you 're supposed to. Last time I checked it 's not your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a letter requesting validation of the debt and they refuse to respond, or speak to me at all. They told me that I needed an attorney or to have my attorney call them. I told them 6 different times I did not have an attorney to represent me. They have refused to correspond with me and will not remove the account from my credit bureaus. The original creditor even stated the account was a XXXX balance. I have been trying to remove this account to the point I even agreed to settle it to get it off of my reports and they will not tell me any information at all. PLEASE HELP!! I am trying to provide a home for my family and this has been a complete hinderance. I can not resolve the debt when they refuse to give me any information or speak with me. I just want this collection removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: MD
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:
The following companies show inquiries on my credit report without my knowledge or authorization:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: NY
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:
Hello I would like to report credit karma for showing false ads on credit cards I was approved for. This made me apply to credit cards and get declined which affected my credit score. Credit karma has done fraud and because of credit karma false approval postings, my credit score was affected negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am have problems with Experian removing old names and addresses off my credit report. I sent them a letter in  XXXX   2017  along with a copy of my drivers license, social security card and proof of address, nothing was done. In  XXXX  I called them spoke with a man named  XXXX . He refused to remove the last name  XXXX  and  XXXX  address off my report. The addresses are as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I explained to him that they are inaccuarte and not deliverable to me and it was against the fair Credit Reporting Act laws to not remove the former last name and old addresses but he said he can not remove them. Ireally need some assistance.   Thank you for your time.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   RE  :  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 explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a child support case on my credit that was closed then was reopened and now its showing I have two cases when I only have one I have one XXXX number which means only XXXX child support case should be showing the closed account that open back up on its own I dont understand it should only be one case that was court order showing the case with the balance of XXXX should not be on my credit at all is showing as if I have two cases when I only have one Im asking the bureaus to remove the messed up account and all its remarks off I only have one case thats for XXXX a month the other one should not be showing that Is very unfair practices and I continue to dispute this to remove it but nothing is happening it needs to be removed immediately or they need to get proof of two cases which would involve two XXXX numbers

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 2022-09-08
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/22 I applied for several credit cards, that were chosen by Credit Karma, claiming that my approval odds were outstanding. Cards that are among the denied were XXXX XXXX XXXX XXXX. My credit score then dropped after the denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I ca n't afford to make monthly payments on my credit cards

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 2017-06-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the year 2009 we suffered financial hardship when the company my Husband worked for had a major lay off. We had been buying our home for nine years, it was an FHA backed loan. We pleaded with Wells fargo and provided them with all of the many documents and info they requested in order to apply for some type of loan modification on payments in order for us to save our home. There were many phone calls and several of the Bank employees made promises on the phone which were never kept! We had had a history of always making our house payments. We had a young Son still at home during this time and live stock. On XXXX XXXX, 2009 we received notification from Wells fargo Bank XXXX XXXX XXXX XXXX, Iowa XXXX for our loan # XXXX client 708. A letter which stipulates a loan repayment arrangement to help us get back on our feet. Wells Fargo rec ended on their agreement causing us the loss of our home. Locking us out of our home and causing us to loos our personal property. We had to give the livestock away and were displaced having to find rental housing. This property was five acres. We were not allowed back on the property to retrieve or belongings and loss 75 percent of it. I filed a complaint with the Montana consumer protection bureau. Wells Fargo Bank denied doing any wrong. I still maintain that Wells fargo was in fact the catalist for our loosing our home. They were dishonest and offered a plan they did not honor forcing us into Bankruptcy and foreclosure on our home. I attempted to find aid through the FHA and HUD and other entities with no success. I have the documentation of the rec ended agreement I filed a complaint to Wells fargo and I have that paper work.I also have the record of filing to the consumer affairs for Montana.

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 2021-09-24
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest sent my a letter attempting to collect debt for an alleg account with XXXX I responded in a timely manner I let them know this account. Didnt belong to me as a matter of fact or just got deleted from my credit report I received no notice that it would be reinserted but southwest decided to insert this account on my credit report a pure violation after it has already been removed. Once again ITS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE BEEN TRYING TO WORK WITH MY MORTGAGE LENDER FOR THE LAST COUPLE OF YEARS. AFTER MY MANY ATTEMPTS THEY GAVE ME A REPAYMENT PLAN AND I PAID OVER {$3000.00} FOR 12 MONTHS. MY COUNSELOR XXXX SPOKE TO THEM AND WAS ADVISED THAT AFTER 12 MONTHS I COULD SUBMIT FOR ANOTHER REPAYMENT PLAN TO CONTINUE PAYING THE REMAINING BALANCE THAT IS DUE. I DO NOT WANT TO LOSE MY HOME BECAUSE THEY MISLED ME ON MY PREVIOUS PLAN. ALL THAT I AM ASKING IS THAT THEY GIVE ME ANOTHER PLAN TO GET CURRENT. I HAVE BEEN ON TIME THE LAST 12 MONTHS PER THEIR REPAYMENT PLAN.

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