BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: AMERIS BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Filed a fraud claim with Ameris bank for XXXX transactions and ATm transactions i didnt authorize, they gave me my money back for the XXXX but i cant access my funds at all. they said my account is pending closure and if thats the case, i should be able to move my money out of the account correct? well they arent letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I continue to get calls from debt collectors and fake lawyers offices saying the debt is now in their hands. They keep saying they are going to serve me with papers and garnish my wages but never send me anything or serve me. They are going to put a lien on my property if I don't pay. I have told them to send me papers so I can see what it is cause I did not take out a loan or line of credit with these creditors ever. They say it was from 2010 with Citibank and XXXX. They want me to make a payment then they will send me the paperwork to sign. They have now started to call my family members. It happens every few months. When I asked them to not contact my family they told me they can contact whoever they want. They get very XXXX when I start questioning them. They say I owe {$8000.00} but will take {$2000.00} as a down payment. The numbers they call from are disconnected a few days or weeks after. The number they called from today was XXXX and asked me to call 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 2017-08-20
Company: Commonwealth Financial Systems, Inc.
State: FL
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 recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, XXXX. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including XXXX. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm in the middle of a divorce and I checked XXXX XXXX in XX/XX/XXXX. I found that my wife had opened up a Best Buy/CBNA card in my name in XX/XX/XXXX ( XX/XX/XXXX to be exact ). So I just found out about this fraudulent card a few months ago. I contacted Best Buy/Citi and told them that I didn't know this card existed, and that I never opened the account. The fraud team told me that they would do nothing, that I was responsible for the {$4100.00} balance, and that it would remain on my credit file and credit report. I explained that the card was opened in my name and that I didn't know about it for 8 years. Best Buy/Citi still would do nothing about it and held me responsible. On my divorce lawyer 's advice, I requested the statements from XX/XX/XXXX to XX/XX/XXXX, which they sent me. I was also advised by my attorney that since my wife admitted to the fraud in my name, that I should still pay the minimum monthly balance, which I have been since XX/XX/XXXX. Even if my wife has to pay for the balance when our divorce is final ( and this is only my hope and my lawyer 's hope ), this Best Buy/Citi card has been on my credit file for 8 years without my knowledge, and as a result has affected my credit score and financial health for 8 years without my knowledge. I'm surprised that Best Buy/Citi allowed my wife to open the card in the first place - that their business practices are so fraud-prone and unethical ; and I'm even more surprised that after I informed them 8 years later, they will do nothing to correct their mistake, and I continue to pay for a card I did not even open, nor know about.

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 2022-07-06
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : I C SYSTEM Account XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-02-03
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is after a debt they believe a family member owes. They have threatend to report a negative credit report and tried to collect payment from me. I never signed up for the internet service or have had an account with them. I never submitted to co-sign or use my information for my family member to get an account. This family member also paid all the fees for early termination and turned in equipment and they are after this person also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
Company: EQUIFAX, INC.
State: NC
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:
XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NC,  XXXX  SSN : -- -- --  XXXX  Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your   failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX and I have recently viewed my EXPERIAN credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted EXPERIAN directly and was assured by a customer service rep that the inquiries would be removed. I let the rep know this was of mych importance, as it was stopping me from purchasing a home. This causing me and my children much harm as we can not get a place to live with this matter pending.I contacted the Federal Trade Commission in this regard. They told me I should contact the CFPB with this matter and to get back to them if It can not be resolved. I've called EXPERIAN everyday for past month and nothing has been removed. Please help. My family needs a place to live and this is stopping our process.

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 2022-02-03
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since early XXXX, my wife and I tried numerously times to use our jointly owned checking account debit cards to make about {$4000.00} purchase at XXXX. When it was first declined due to a block, I called and was told, after verification, the block has been removed. So I went back to use the card and was surprised it was blocked again. Next time, I called ahead of time before heading to XXXX and I was told the purchase has been noted and it will go through. It was declined again. So I have to call and get it unblocked. This cycle went on for many many times and so far, I still can not use the card. Each and everytime I try to use it at XXXX or XXXX, I got declined due to temp block. I communicated numerously times with customer service. Each call take about 15 minutes. Was assured it would work but only to find out it is declined again when I try to use it. I think the bank is purposely holding my money without letting me have access to my money and that doesn't sound right. I demand an investigation.

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 2018-10-30
Company: EQUIFAX, INC.
State: FL
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:
XXXX refuse to remove the fraudulent accounts listed that do not belong to me. I have sent them a police report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted your office to settle an account. On XX/XX/XXXX I received a settlement offer letter from you company with XXXX different payment options. At that time I did not have the money to take advantage of either option. I'm a single mother and only have XXXX income. I've now saved enough money to take advantage of the first offer on the letter I received in XX/XX/XXXX. The offer stated a single payment of {$410.00} by XX/XX/XXXX. I called your office today to see if they would allow me to take advantage of the offer even though it's has expired. Like I explained earlier I did not have the money at the time of the offer. I spoke with a young lady in your and explained what I was calling about. She stated she would have speak with the operation manager to see if the offer could still be accepted. A young lady by the name of XXXX XXXX returned to the and explained that I wanted to settle an account and that I could pay the {$410.00} today, XX/XX/XXXX. She said she would attach a letter stating that your company would agree to accept the offer of {$410.00} and settle the account. I stayed on hold while the letter was being prepared. Once I received the email with the letter attached, it stated an incorrect balance and stated that I was agreeing to a payment plan. I never stated that I want to make an arrangement for a payment plan. At this time I was place on hold. I again held the phone for 10 minutes waiting for XXXX XXXX to return. Finally I was told that XXXX XXXX would return my call. My call was not returned. I also attempted to contact XXXX XXXX via email. I have not gotten a response yet. I was very disappointed that we discussed a payment of {$410.00} to settle the account and received a letter stating something completely different. I felt like I was being made a fool. No matter the circumstances, I don't feel customers should be treat in this fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.

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 2022-07-06
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) with account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.

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 2017-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One extorts money from elderly clients. My XXXX year-old father who has XXXX 's and XXXX never requested a new card. Captial One sent him a new credit card after his old card ( ending in XXXX ) had expired in XX/XX/XXXX. Along with the new credit card ( ending in XXXX ), Capital One charged a membership fee of {$39.00}. Capital One sent the new GM credit card AFTER I called, faxed, and mailed POA documents. Despite all the documents I have submitted, Capital One refuses to add me as POA. They insist I must provide them with my annual income and social security number. I have requested Capital One to provide a copy of their policy that verifies they will not share personal POA information with affiliates. As of yet, Capital One has not provided any such proof. Meanwhile, the initial {$39.00} charge has now become {$110.00}. Capital One began calling my elderly   father 's residence to collect payment on charges he never made. Captial One invented all the charges. Whenever I answer their calls, I explain the situation. Nothing is resolved. And on XX/XX/XXXX,  my father answered the phone and allowed Capital One to deduct payment from his bank account. ( My parents have also been the victims of prior financial abuse. They are {$450000.00} in debt. They have little money to spare! ) On XX/XX/XXXX, I wrote and sent ANOTHER letter to Capital One with POA and all required paperwork, ( save my annual income and social security number ). Capital One 's response was to send a form letter with an entirely DIFFERENT ACCOUNT NUMBER THAT WE HAVE NEVER SEEN BEFORE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between XXXX, HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX location currently XXXX XXXX  failed to return interest owed for safe deposit in which payments was being made to by a checking account. The account at HSBC belong to my father whom was deceased for XXXX years before HSBC acknowledged his death. Here, and at all times HSBC benefited solely from my father checking account that paid for a safety deposit box that was entered into by government officials in the XXXX. In XXXX DEA approached HSBC with a search warrant for safety deposit box belonging to XXXX XXXX, they seized the assets in the amount of {$280000.00}. No communication was made to XXXX XXXX XXXX from HSBC to XXXX XXXX XXXX until the Summer of XXXX when XXXX XXXX approached the said branch in persons after numerous failed mail, email and communication portions. It must be noted on XX/XX/XXXX XXXX sent a check to XXXX unclaimed funds for safe deposit box rental without communication. Here HSBC failed to provide correspondence to our Estate regarding any settlement of the said safety deposit box in order to dispute the amount to be refund to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For years on many occasions, I called XXXX XXXX to inquire about student loan forgiveness for XXXX working with XXXX XXXX XXXX and XXXX XXXX XXXX. I was continually told, by XXXX XXXX, I did n't qualify because my beginning loan date was before a certain date. 

I found out many years later, all I would have had to do is refinance my loans. I refinanced two years ago, so instead of having my student loans forgiven years ago ( XXXX for 18 years ), I still have eight more years to pay. 

I would very much like to share the details of my story and receive guidance joining the lawsuit against XXXX XXXX!

Company response to consumer: Closed with explanation