BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: Concord Resolution Inc (Closed)
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
These scammers keep changing their number and keep trying to get me to return their calls. They call multiple times a day to my job and to my cell phone. This is harassment and I want the calls to stop. Someone named XXXX XXXX keeps calling and leaving messages saying to call him at XXXX. I do not owe anyone any money. Please make the phone calls stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
the creditor has approved to settle my account at 60 % of the {$150.00}. I pad them the {$94.00}. THATS THE 60 % .BUT THEY STILL SAYING THEY WHAT MORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: WELLS FARGO & COMPANY
State: AE
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:
Wells Fargo closed my account due to two payments being returned. The payments were returned because the linked bank account was compromised from a lost debit card, which I did not know when I made the payments. I have always made all of my payments on time and have never had a late payment. Even after Wells Fargo closed the account, I continued to make on time payments and the balance on the account bringing the account within terms of the cardholder agreement. The account is planned to be paid off with a {$0.00} balance by the end of the month. As a XXXX XXXX we sometimes do not get communication that our accounts may be compromised.

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 2017-09-23
Company: The CMI Group, 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 just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. Credit Management Service 2. XXXX 3. XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This card is being reported as individual and it's a corporate credit card. This should not be reporting to me. 


Account info Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$64000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$1500.00} Credit limit {$57000.00} Highest balance {$67000.00} Terms NA

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 2020-07-10
Company: 21ST MORTGAGE CORP.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted 21st Mortgage to inquire about payoff. I was given a payoff amount of {$11000.00}. A payment was due on this account on XX/XX/XXXX. I was told this payment was not included and that making the payment on XX/XX/XXXX would save the amount of the payment due XX/XX/XXXX. I paid the account in full on XX/XX/XXXX in order to save the {$280.00} payment per quote and was informed that this payment would not draft as account was paid in full. On XX/XX/XXXX, a payment for {$280.00} drafted from my account. I contacted 21st Mortgage at this time and was told it was an error and that I would be refunded by check. On XX/XX/XXXX, I received a check for {$40.00}. I contacted 21st Mortgage at this time. They now state that the payment was due after the account was paid in full and that it was an error on their part. They will not, however, issue any refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  M XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  # XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Old information reappears or never goes away

Complaint:
Nissan motors is reporting from an account that was opened almost 9 years ago and thus should be removed. 
XXXX is reporting collections for the Nissan account and is double reporting the Nissan account that should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi It was surprising to hear when FCO collection department called me up and started saying I owe $ 5300+ amount for XXXX XXXX XXXX XXXX, XXXX NY XXXX I did tell FCO I do n't owe any amount, I did pay additional {$1000.00} while leaving the apartments before lease breakage and informed that I will share all evidence documents, which I did send on XX/XX/XXXX, after that I told them whenever they contact me do send email communications but never heard back after informing to send emails I shared the Voice recorded message, document that I had signed and shared with XXXX XXXX XXXX , never got response back from collection department. On XX/XX/XXXX No damages were informed by XXXX XXXX XXXX when I called them XX/XX/XXXX and collections department was saying different messages every time they call - I did ask for evidence none of them I have been received I did pay {$300.00} as non-refundable amount which covers for the apartment damages if any I do have evidence documents of lease breakage, voice recorded for the agreed amount proof for {$1000.00} as lease breakage Initially XXXX XXXX XXXX XXXX Manager said for lease breakage pay amount of {$2400.00} ( attached the copy shared by XXXX XXXX XXXX via email ), later after negotiating she agreed for {$1000.00}, the same amount I paid off and left the premises. I left when Leasing office is open and communicated properly before leaving, handing over all keys, shutting off water, Electricty, Internet at XXXX all the information. 
Even while leaving the premises, handed over the letter took the copy of it ( original is with XXXX XXXX XXXX ) XXXX/XXXX did say " you are good to go '' if any amount is due they would have told me on that day itself there was amount for close to $ 600+ for apartment damages which they were mentioning I did ask for proof but never heard back, I told them based on the evidence document and further evaluation I will pay any differential amount if it exceeds {$300.00}, as I did pay {$300.00} for covering the same to XXXX XXXX XXXX apartments. 
I tried reaching XXXX XXXX XXXX apartments manager last week and left Voice message never heard back as well Request you to please have this issue closed 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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 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 2022-05-06
Company: Experian Information Solutions Inc.
State: GA
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 have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to Experian about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.

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 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 setup auto pay to make a {$250.00} payment on a balance of over XXXX. BoA instead drafted from my personal checking account the entire XXXX at another bank. I called over two weeks ago and they claimed to reverse the process but have yet to do so. I was initially told XXXX business days but that hasn't happened. I was then told XXXX days and it still hasn't happened. There is no pending deposit or modification to the BoA credit card showing the new balance. The bank is keeping my funds and is required to return it. Don't trust BoA or what customer service informs 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 monetary relief
Consumer complaint received 2016-06-07
Company: CITIBANK, N.A.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi Gold Checking account in XXXX, XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX Thank You Points ( worth approximately {$500.00} ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account. 

I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus points will post within XXXX statements of completing the requirements ( which would have been XXXX, XXXX ). 

It is now XX/XX/XXXX, and I have paid {$90.00} in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, and requiring that I provide proof ( which was a postcard mailed more than 6 months ago ). I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. 

Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. 

My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.

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 2022-05-06
Company: Bread Financial Holdings, Inc.
State: NC
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:
I had a XXXX XXXX XXXX Credit Card with XXXX and out of the blue my card was declined at a store I was trying to make a purchase. It was declined. I opened my XXXX app that service the account with and it was blank and said N/A. I contacted XXXX and they said the account has been turned over to another servicer. I have a balance on this card i want to pay off in full like i do every month but XXXX will not give me information due to the account being switched. i have no idea who the company is or when my balance is due. The one lady at XXXX named XXXX said i had two cards with XXXX which is false. i told them this could be fraudulent but they said they cant speak to me... What am i to do when i am sure i have a due date coming up but no way of verifying this is fraud or my purchases. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, charges were made on my TD Bank debit card account ending in XXXX in the following amounts by a company called XXXX : {$480.00}, {$500.00} and {$100.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on two credit cards of mine. The company name changed once it processed on the bank statement to XXXX XXXX XXXX XXXX XXXX. 

After one of the credit card companies called me to inquire about what appeared to be fraudulent activity on my credit card with them, I checked my bank account online and saw fraudulent activity as well. I called TD Bank immediately the morning of XX/XX/2022, to report these unauthorized charges. The representative confirmed she would put a hold on my debit card and she assured me I would be notified that once the transactions were posted, TD Bank would contact me with an update. The reference number is : XXXX. I have not heard from TD Bank fraud department to date. 

On XX/XX/2022, I went to TD Bank located at XXXX XXXX XXXX, XXXX XXXX NY XXXX, and spoke to a representative named, XXXX. He issued me a new debit card and assured me I would hear from the fraud department within two weeks. I have not heard from anyone at TD Bank unless it is me calling to which I am told that I will hear from them. 

It has been over a month since I asked TD Bank to reinstate my money into my bank account that was removed because of these fraudulent charges. Please note when I was at the bank getting a new debit card, the {$100.00} charge was removed before posting to my account. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
okay my original debt was with a company called XXXX XXXX who i tried to settel before i asked to close my account. this happened in the middile of the pendemic and i offered to pay them a lower amount until things changed they refused my {$30.00} offer and them sold my information to LVNV funding LLC without my permission then this company started calling me until i blocked thier number from my phone. i have never conducted any business with lvnv funding and this company never issued my any line of credit so why is this on my credit report {$540.00}? PLEASE ask this company to you an original aggrement with my signature on it to verify that we conducted business together... thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After already receiving confirmation that my mortgage payment for the month was made & without penalty, I received a threatening notice that " my payment was late '' & that " it still needed to be made ''. This is the same harassing contraction that I had to go through last month with the same mortgage company ( Caliber Home Loans ). For a monthly mortgage payment of {$1700.00}, THIS KIND OF UNPROFESSIONALISM NEEDS TO STOP! The unnecessary stress it is causing is compromising my ability to relax in my personal life.

Company response to consumer: Closed with explanation