BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-27
Company: Jason A Craig, PC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was billed XXXX for a XXXX I had back in XXXX. This debt was eventually included in a bankruptcy filed in XXXX. This debt was included in my bankruptcy, and Jason Craig & Associates was notified. They continued to try and collect this debt despite this fact. Today is XXXX XXXX XXXX, and this collection agency has sent a letter to me at my new address threatening to submit this old debt to the credit bureaus. Writing them has clearly done no good. Please make them cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I never had an account with Citibank for student loans. There was someone else that opened up accounts in my name and I did not receive any benefits from the loans. None of the money went to my college, for my degree. Now, Citibank keeps bothering me and taking me to court. This is embarrassing because they keep sending court documents to my job. They froze my bank account XX/XX/XXXX to XX/XX/2016- when I had the issue resolved in court. They froze my account again on XX/XX/2016. They will not answer my calls, emails or fax. The only time I was finally able to talk to someone XX/XX/XXXX, the woman cursed me out and hung up on me. I never had an account with them and they keep making up this this {$10000.00} plus amount. I have sent several letters to them via mail, fax and email and they will not respond. I can not take care of me and my baby because they keep freezing my account, whenever they feel like it. This account is not even on any of my credit reports and I check several times a month. They refuse to tell me how I received this balance. They are very rude. They sent this issue over to XXXX XXXX attorneys. I am very upset about 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 2022-11-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made Unauthorized transactions using my American Express credit card. I did not have access to my account in XXXX XXXX it does not work so there was no way I could make those transactions. I contacted the financial institution. to inform them of this situation. American Express customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account Remains Open as I pay down the balance. There has been no reversal of the fraudulent transactions. I sent in all my supporting documents. I would like for American Express to reverse the fraudulent transactions and place my account back in a positive status I think that would be the correct resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hyundai Capital America has failed to review the affidavits and identity theft reports ive sent them on numerous occasions. Ive also sent a letter of debtt verifcation and they have YET to give me the information ive requested under the consumer laws. 

I will be requesting {$1000.00} per violation and seeking pain and suffering damages for them slandering my name with identity theft and already have been paid with this loan on multiple charge offs XXXXXXXX XXXX XXXX 

Ive had to take a bad credit auto loan because of this paying 29 % interest rates. I will be seeking damages in full soon if this is not resolved, investigated and deleted from my consumer report. 

Ive also requested the send me the disclosures in this contract I allegedly signed along with a validation of debt. 


SEE ATTACHMENT OF NOTARIZED IDENTITY THEFT IVE SENT TO XXXX ALONG WITH VALIDATION OF DEBT REQUEST SINCE THEY ARE NOT FULFILLING THEIR DUTY

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 2016-12-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I placed a security freeze on my account a year ago after my wallet was stolen with all XXXX credit reporting agencies. I am now trying to lift the freezes so that I can get new lines of credit opened in the future. XXXX and XXXX lifted the freezes immediately, but I can not lift the freeze with Equifax despite contacting them via their website, by phone, and in writing. Every attempt is met with the same form letter to resubmit my request including social security number, proof of identity, etc. in writing even though I have already done so and have a proof of delivery from USPS priority mail that this information was delivered to them. 

I have all of the required information available and my XXXX digit pin, but I can not get them to respond. I also have their hardcopy form letter response. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX Issues : 1. In XX/XX/XXXX, Citibank 's system mistakenly stopped my automatic payments which resulted in a negative report that I was late. I fixed it immediately by paying and they put me back on autopay. The agent said they would put in a request to remove the negative item, but apparently they never did because it 's still on my report, affecting my credit. I called today to follow up. They had no reason for failing to have it removed. They are " investigating. '' 2. Misrepresenting a deferred payment promotion. At Best Buy, I bought an IPAD in XX/XX/XXXX. The Best Buy agent told me it was XXXX interest, and if it was n't paid in full, then I start paying interest at that time. He never disclosed that I would be charged for BACK interest! I never would have signed up for the promotion had I known it 's true nature, or I would have made sure it was paid off within the time period. I do auto payments religiously so had no idea what happened. Then, I found out that my credit is negatively affected bc of Citibank having my account OVER my credit limit due to the back charged interest, of over {$500.00}! The IPAD cost that much for goodness sakes. I offered to pay in full, minus the deferred interest, to which the supervising customer service agent said he could n't do anything, and there was no one else I could talk to. I said, not even general counsel, a VP, another supervisor? In the entire Citibank organization, there is no one? He said, no. 

This card is the only negative item on my credit report. It has hurt my credit, and is now subject to inquiry when I seek credit. Citibank refuses to rectify either situation.

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 2017-03-23
Company: CITIBANK, N.A.
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I sent money to my mother 's account, from XXXX to XXXX, and she never received it. This happened more than 2 months ago and Citi Bank still " ca n't find my money '' and is not giving my money back.

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 2022-11-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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 XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran five times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to Toyota financial multiple times so their lawyer reached out to me from XXXX XXXX XXXX in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AES/PHEAA
State: IA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have been contacted by mail from XXXX. representing National Collegiate Student Loan Trust. This os the same company that tried to collect from us back in XX/XX/XXXX At that time the company was also known as XXXX XXXX XXXX at law. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. To the best of my knowledge I nor my husband XXXX owe anything to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CITIBANK, N.A.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a Macy 's American Express card and someone stole my credit card information and charged over {$2000.00} to my card on XXXX XXXX, 2015. I was alerted by Macy 's of the situation and they closed the account, sent me a new card and asked me to fill out the appropriate paperwork and send them a copy of my driver 's license. I did everything they have asked me to do. The charges are still on my account along with late fees and interest. I have called them several times and they said it may take 90 - 120 days to clear. In the mean time I have been getting harassing phone calls by XXXX multiple times a day from Macy 's. They call my office, home and cell phone. I find this all very disturbing that this is not cleared up by now. I have a XXXX credit card also and when I have had fraud on it, it is cleared up within a week. I do n't know what else I can do at this point. They have dinged my credit and I have sent them a letter about all this. I do n't feel as a consumer who was a very loyal Macy 's customer for years that what they are doing is appropriate and I am very frustrated with their whole process. They are wasting my time and their 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been victim of XXXX scam ad XX/XX/XXXX all XXXX transactions are unauthorized as of XX/XX/XXXX on recorded I was told after submitting affidavits I will get my money back please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX  XXXX  in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.

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 2017-01-31
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
my loan servicer fed loan servicing is failing to keep accurate track of the number of loan payments i have made with regard to public loan forgiveness. i have submitted the proper documentation and called to follow up multiple times. in addition i have previously received other borrowers private information via the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I paid off my card balance in XXXX 2016. Apparently, I was charged {$53.00} in interest fees AFTER paying it off. I was not sent a statement either by mail or by email alerting me to the fact that I had a payment due, despite the fact that I am set up to receive e-statements. Because I was unaware that I had a remaining balance ( believing I had paid it off and having checked it in XXXX to make sure the payment went through ), I incurred late fees in XXXX and again in XXXX, bringing my total to {$110.00}. ONLY THEN on XXXX XXXX, 2016, did I receive a statement asking for payment in full. That was when I checked my account and discovered the problem. Citibank has refunded XXXX of the late fees ( {$37.00} ), but they need to refund the {$27.00} from XXXX as well. I would also like as much of the interest refunded as possible or at least check it to see if the charge is legitimate, since I had paid off the balance in full the month before. I am asking for a total of an additional {$80.00} in restitution.

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 2020-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Good Morning - I called Kohl 's ( XXXX ) XX/XX/2019 at XXXX XXXX. I was on the phone for 32 minutes and 19 seconds about my credit interest. I spoke to one man who couldn't explain to me why I was being charge interest twice. He said if you pay your balance off each month you won't be charged interest. I told him I was VERY aware of this, however, when I carry a balance why was I being charged twice. He couldn't answer so I spoke to a manager. He couldn't answer the question either. This is VERY bothersome because I work for XXXX XXXX as a XXXX XXXX. My statement shows I'm being charged " Interest on Protected Balance '' and " Interest Charge on Purchases ''. My questions is what is the difference and neither of them could tell me. There is not explanation of the difference on my statement or on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: MI
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. nothing happened, they stated was verified but could not send me any information on who verified or anything. 

I have sent 3 letters, the last has been attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: NV
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:
I have tried to call XXXX several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.

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 2017-05-24
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I feel that I have continued to make paymentsure and my account is n't decreasing the correct amount. I have the account number and information that I will provide. I am also an  XXXX  and do n't have the income to continue to pay amounts that are n't correct. I owe under {$3000.00} and they are in a lawsuit for this correct issue. I attended school from   XXXX - XXXX   at  XXXX   XXXX  University.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Form letter received for undisclosed debt for {$19000.00} to be reduced to only {$6000.00} if I contact by phone by XX/XX/XXXX. Letter arrived with no address on envelope or letter. Today I received call and voice mail on my cell and my alternate phone number harassing me to contact asap or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: SYNCHRONY FINANCIAL
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:
a request for credit was sumitted without my approval.bank agreed sent me a letter stating the inquiry would be removed, now 4 months later still appears on my credit report. 
Please advise if i have to hire a copany to fix this problem.

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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are multiple accounts on my credit report that are not mine

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 2015-12-15
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I been contacted several times by some individual claiming to be a representative of ARA Inc, a collection company based out of IL. 
Despite having made clear the fact that I owe no such debt and I have never engaged in any business with the associates bank the original creditor of the collection account.ARA Inc has continued to contact me about an outstanding account in the sum of {$5200.00}. 
The contact has been through phone call as well as letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Brown and Joseph, Ltd
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Brown and Joseph LTD. Keeps trying to collect a debt of XXXX dollars for XXXX. I never had this account, policy or collection. They have reported the collection to XXXX and it is affecting my credit report. I do not owe this money and this is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
TO WHOM IT MAY CONCERN THIS IS MY SECOND COMPLAINT AGAINST MACY 'S FRAUDULENT ACT THAT BEGAN XX/XX/XXXX.WHY DO I SAY FRAUD BECAUSE AS OF THIS XX/XX/XXXX MACY 'S HAS FAILED TO REVERSE A LATE A FEE OF {$27.00} WHICH THEY CLAIMED THEY DID .INSTEAD THEY APPLIED THE LATE FEE TO MY MINIMUM PAYMENT WHICH HAS NOW BALLOONED TO {$100.00} XXXX MORE LATE FEES HAVE BEEN APPLIED WHICH HAS RESULTED IN MY HAVING A PAST DUE {$42.00} .RECENTLY I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL TOO? Y MY ACCOUNT HAS NOT BEEN CORRECTED YET & THERE RESPONSE WAS A PHONE # I SHOULD CALL BECAUSE THE ACCOUNT IS IN A SPECIAL UNIT.I'AM VERY CONCERNED THAT MACY 'S FAILURE TOO CORRECT MY ACCOUNT IS DUE TO THERE BANKRUPTCY.

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