BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been a Best Buy Credit Card holder since XX/XX/2012. I am trying to pay off a balance but I have noticed that it does n't seem to be changing, so I decided to go online and review my account statements. I normally just go online and pay my bills since I have a general idea of what I owe. When I took a closer look I noticed I was charged a fee for what I now know is a " Debt Protection '' program that I never signed up for. I immediately called the credit card company and questioned this charge. After speaking to a " Debt Protection Specialist '' I found out that I was signed up for this in 2012 ( which I never did ) and I have paid {$820.00} into this program ( Not including any potential interest accrued ). They could not tell me where or when I was signed up for this program. I immediately had it cancelled. Again, I asked specifics of how I was signed up for it and proof. The woman, XXXX, put in a request for the proof and a request for a possible refund ( I was told it will take 30 days just for a response ). I asked for documentation that there will be an inquiry and was told that the documentation I would receive in the end was the only documentation they could provide me with. Basically the specialist can only submit requests and can not help you with any documentation. After the phone call I scoured my records and found my original paperwork from the initial credit card application. There is no mention of any form of " debt protection '' fees that I allegedly signed up for. In fact, the fees section is completely blank on my paperwork. I would have never knowingly signed up for such a thing because it is simple not cost effective ( I recently read about the details online ). I did not sign up at the time of the credit approval ( no documentation of fees on my paperwork ) nor would I have done so after. I did n't even notice the charges because they were small to medium amounts and I normally pay my bills online and since this has been happening for so long, my balance never looked " wrong '' to me ''. I do not know if this is some sort of scam guised under false pretenses to deceive the consumer or if it was an honest mistake. I know that I should have caught this sooner, but regardless it was something that happened that should not have happened. I am outraged that this is a practice of the company and expect them to remedy 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 monetary relief
Consumer complaint received 2021-10-28
Company: Northwood Asset Management Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had someone named XXXX XXXX who falsely identified himself as the compliance officer of Florida from the number XXXX call my phone saying he was coming to my house or my job to make me pay money for something I owed. This was the voice mail he left me after calling my aunt and my mother, trying to make them give out my personal information. Also on the voicemail he left the office number which is XXXX. I called and spoke with someone who turns out to be a debt collector not the compliance Officer of Florida. They demanded payment from me of {$5000.00} which was {$4000.00} over what was really owed. I hung up and called the original creditor who explained to me they never tried to sue me they sold the account to a collection agency and lucky provided me the information to the collection agency. Because when speaking to the collection agency they gave a false name of the company and lied and said they where an attorney office. Their real name is Northwood Asset Management Group, the address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The first point of contact was XX/XX/2021 at XXXX I missed the call and they left there first voicemail they called my mom at XXXX and my aunt at XXXX all on the same day. Trying to bully them into giving my address. I called the office on XX/XX/XXXX at XXXX to discuss the calls and the threats they were making. They continued to lie and make up different amounts of money I owed. I hung up with them and that was the end, or so I thought so today XX/XX/2021 at XXXX the calls and the threats stated back as well as calling my family once again. I called mad and said stop calling my family with out identifying myself the worker starts telling me XXXX XXXX XXXX your broke, your poor you have a XXXX credit score. How do you accuse me of a name and never verified the call I never stated my name. But it gets better he then goes on to say he wishes I have a XXXX XXXX and my XXXX XXXX as a mother when she had me then hung up and blocked my phone number. This is unacceptable honestly, pure disgust.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Zingo Cash Illinois LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX, zingo cash, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted from my credit report. 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 explanation
Consumer complaint received 2017-01-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
what Citibank to remove erroneous late payments from all XXXX credit bureau.

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 2022-09-11
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: Was not notified of investigation status or results

Complaint:
I am reaching out to the CFPB regarding the illegal practices XXXX, Transunion & XXXX are engaging in concerning my consumer credit reports. I, XXXX XXXX have had my consumer and privacy rights breached and violated in which I reached out to the credit bureaus respectively and asked them to conduct a reinvestigation into these matter of fraudulent inquiries and collections in which my information was tampered with without my knowledge and consent. I reached out to the credit bureaus in which XXXX failed to conduct an investigated and continued to report illegal information in which I will include the attached documentation. XXXX XXXX XXXX XXXXXXXX received my dispute information and on the XX/XX/XXXX literally the following business day an investigation was completed in which none of the fraudulent inquiries were removed or the collections? This company illicitly ignored my concerns and demand while continuing to furnish inaccurate information that has caused me emotional and financial distress while causing me to lose my job of XXXX XXXX. They must be held accountable. The same situation happened with Transunion XXXX XXXX in which they did not conduct a 30 day investigation. Transunion has failed to open a dispute and XXXX opened 3 different disputes all completed within 5-10 days in which I was not notified of the investigation procedures or given the results and why this information is verified in which once again these bureaus simply brushed off my concerns regarding the validity of the information on my credit report. These 3 Credit Bureaus XXXX, XXXX, & Transunion must be held accountable for their violations against my privacy and consumer rights under 15 USC 1682 ( b ).

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 2022-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Rights Accounts : 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 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions.

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: FORD MOTOR CREDIT CO.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Car was on price and when I went to finalize the deal price and interest was very high .I feel I been XXXX against. XXXX as a senior

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to harm the consumer by knowingly reporting fraudulent information to XXXX ; when there in fact HAS NEVER BEEN A CONSENSUAL CONTRACT BETWEEN CONSUMER AND THIS COMPANY. Despite the requests for debt VALIDATION, this company continues to violate the consumer in numerous ways and XXXX accepts these fraudulent reports as accurate despite the multiple disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Synovus Bank
State: MO
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. 

I asked for them to Close the Account because I do n't Trust Them. 

I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Loan has passed 7 year period on credit, date of 1st delinquency was XX/XX/2009 and its still showing on my credit report. I called and disputed it with credit bureaus and I was informed that it is reporting as a good debt and will not be removed. Wells Fargo has updated my credit file by changing the reporting date which may be causing account to remain on credit even longer. Status of this account was foreclosed and sold and reporting as a foreclosure this is not a good debt.

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 2020-04-03
Company: Crown Holdings, LLC
State: NJ
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 made disputes with the credit reporting companies and the debt collectors, who dont even have accounts that are mine, just keep harassing me over small amounts that they split and renew so it never leaves my report.

Ive also been informed that my identity was stolen by my bank. They caught it early but there are 12 inquiries that I cant get removed. 

The biggest problem is that credit reports are not easy to read for consumers and debt collectors are able to find loopholes like what I explained earlier. They have harassed me over a bill that belonged to a previous owner of a house I lived in 10 years ago! It started as {$68.00}. But its the principle. I looked at my credit report today and they were able to sa it was a new date as of XX/XX/2020. How is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
A vehicle I had leased through Chrysler Capital was wrongly repossessed without warning though I had no overdue payments and had already received, signed, and returned a lease extension authorization, extending my lease until XXXX XXXX, XXXX. My car was repossessed on XXXX XXXX of XXXX, despite multiple phone calls from/to Chrysler ( from XXXX XXXX ) stating that my lease extension agreement had been received signed and that I had " nothing to worry about. '' The wrongful repossession appears to be due to Chrysler 's inability to communicate between departments and technical deficiencies on the part of Chrysler to access their own documents. I was given verbal confirmation, multiple times, that there would be no penalty for extending my lease, and then my car was repossessed without warning. Had Chrysler told me anything different I would have been glad to return the car on the date stated on my original lease agreement, but instead they took the car and sent me a bill for over {$20000.00}. I am young and just getting my career off the ground and this may severely damage my credit, though I never missed a payment and was in constant communication with Chrysler toward the end of my original lease date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX 2015, I transferred money to my son via Western Union. Today my son told me that he received a debit card in the mail! I have a problem with this. Obviously, my son was in need of money at the time, and I believe Western Union is using the transfer of money as an opportunity to scam, defraud or otherwise take advantage of the disadvantaged by mailing debit cards to those recipients ( with name and account number imprinted on it ). 

I am hoping the Federal agencies will step in to require Western Union to discontinue mailing solicitations to my son ( who is considered a " XXXX person '' under the XXXX and other landmark legislation ) and others who are similarly situated in the form of debit cards to incur a debt that he/they can not possibly repay! 

Since then, I have also been inundated with emails from Western Union and others. If I recall, there was an option to unsubscribe to updates and further communications. Yet, I receive spam from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
i have hired the services of XXXX to help me with the credit car situation. 
the creditors call me non stopmthe worst ones citibank and XXXX. 
i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. 
heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is not now nor has there ever been a consensual contract with this company. No personal information was ever supplied by consumer, the reporting of derogatory account activity to XXXX and any other Credit reporting agency is extremely harmful and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was abused and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA. This have caused my family and I financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( e ). These are the violations that were committed against me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: PNC Bank N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I overpaid my credit card bill in the amount of {$120.00}. I asked XXXX to return the credit to me in check form and asked for this amount to be returned via mail to my primary mailing address. Ive called five times and each time my calls were dropped by the customer service rep and tried to connect with customer service via chat and each of these times nothing has happened. Im getting frustrated with the lack of service. I would like my money back please ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I went into home Depot an aplied for a credit card an I was approved for XXXX {$.00} They asked if I would like to use it for my purchase which was some XXXX like XXXX $ I declined an said I would like to wait till I get my card so I paid with cash.well when I got my card 3 months later I went into store to use it an it was declined for a purchase of XXXX $ that turned into XXXX $ with late fees I told them it was a mistake I just got my card well they told me that I was just XXXX since I did n't keep my recite that was 3 months ago for a piece of XXXX an that has messed my credit up since then an they will do nothing to help over XXXX $ that I would have been taking care of if I knew about it what can I do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: LEXISNEXIS
State: FL
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: Problem getting your free annual credit report

Complaint:
Lexis Nexis will not send me a credit report. XXXX I sent a letter requesting, then sent a letter back requesting more information on who I am. I sent them driver 's license, copy of insurance, and IRS tax for XXXX. XX/XX/XXXX i got a letter case number XXXX ( XXXX ) stating Reinvestigations. Reason for contact- Dispute... Results on three disputes : that data being reported inaccurate???? 
So I never disputed anything. 
I've disputed with XXXX, XXXX, and XXXX asking them to verify creditors ' information from the leader. I asked these three companies for I understood they are pulling data from Lexis Nexis who won't send me my credit report. Can you help me with this circle Im stuck in?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: VYSTAR CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The company used against me the following 4 Key factors they are saying had adversely affected my credit score : 1 ). Number of accounts with delinquencies 2 ). Too few accounts currently paid as agreed 3 ). Length of time accounts have been established 4 ). Time since delinquencys is too recent or unknown These are the 4 reasons I was denied and all of them are lies. These reasons are untrue and doesnt actually portray my credit report or me. I actually feel they made up that scrap because they noticed from my ID I was a XXXX male.

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