BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been notified in the month of XXXX 2018, that my personal info had been hacked on the XXXX website. I recieved a notice via mail about the hack. Then I was told to put a freeze on my person Reports. Which I did immediately!!! Still I have contiued to recieve hundreds Robo callers weekly for years now. I have recieved caller 's where the Robo caller 's called on one phone line then. I recievd another call just minutes apart from the other call, threatening and saying, " You owe the IRS a lot of debt, '' and, added that, " They were the IRS and that they were gong to take me to court and sue me ''! I was a bit shaken, I recieved a call simular to this last year and ran to my CPA! This time i could tell that It wasn't a real voice. I did get very upset, to the point to where I have decied to fight back now! It has to stop! It's like a bully of some sort. Well I am not going to take this anymore!!! These thieves have taken control of my XXXX XXXX, all of my social media sites that I was with, they have even gotton into my XXXX account and all of my records, I am extremely concerned that this has all gotten so out of hand? Below I am discribing what has happened recently to my bank account. 

I went to my bank. While at the outside window, I notice somethnig odd. This company called XXXX, which is a singing APP that I used to use on my cell phone.. I notice the amount of {$39.00} had been debited on my card. I knew I hadn't done this??? I could see the problem so i went into the bank to investigate this problem. I ask the Banking Rep to please give me a reciept of this transaction. I called over the phone to XXXX who said they could see the charge, and that they be opening an investigation. I also talked to the XXXX Rep and she said that she would be reporting this to the Investigation team of XXXX. She said it will take some time to complete. 
These hackers have taken over everything in my life. i am very discusted and fear for my personal safety. I do not want to go any where alone without my husband. I have put freezes on my account and still they manage to hack in some how. I have put up cameras, so much to protect myself and my family. It's a nightmare to have to live like this on a daily basis. I need your help. Thanks in advance. 

I also recieved a call from XXXX and I was told that someone had compromised my XXXX, and XXXX Account and to report this. The gentleman told me to report this to every one, and put the word out! 

Can someone please help me to stop this huge anoying problem. Urgent!!! Everyone, Seniors please, be aware of this IRS scam!!! It's not real it is fake. It is ment to scare you out of your money!!! Call and report this crime to the local police right away! Don't be a victim!

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 2018-12-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
my prior complaint with CFPB is XXXX and the Huntington Bank case # is XXXX. I thought they had fixed the errors but it isn't. They have now take the one line of credit that was paid off and reopened it adding around {$3300.00} in debt and now have subtracted that amount from the other line of credit that should have all the debt. 

On another note I just had my credit run and now the XXXX who is guarantor on these lines of credit shows they have charged of {$23000.00} in this debt, yet I have never missed a payment to Huntington Bank and I am continuing to make payments to Huntington on a monthly auto pay system. I have frequently called the Huntington reps and am getting blown off again. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 28 USC 1746 Unsworn declarations under penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX child support. They threatened to have me arrested. They do not identify as a debt collector. They collect on debts that they do not own .... ie a debt collector. The person they collect for has to pay them an annual fee to maintenance the account. In none of the correspondence sent from the company has any mention of them being a debt collector. They violate all kinds of laws regarding debt collection. They stole my stimulus check. This company is a bad actor and needs to be shut down.

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 2022-01-22
Company: Westlake Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am submitting this complaint without any influence from any third party or agency. Please refer to the attached documents as it contains Westlake 's letter, my correspondence, proof that it was delivered via Certified Mail, my letter requesting to speak to the Legal Department, fax cover sheet and fax confirmation. On XX/XX/XXXX, I received a letter from Westlake and on the same day I responded with a handwritten letter ( attached is a copy ). My letter stated that I conditionally agreed to pay upon the condition that they provide me with the 'contract ' that was mentioned in Westlake 's letter because I seek clarification of the 'contract ' and its 'terms ' since I do not have possession of the 'contract ' or any material disclosures pursuant to TILA. I also requested for the accounting records and a signed invoice. On XX/XX/XXXX my letter was received by an individual.at XXXX XXXX. Since then, I have not received the 'contract ', 'accounting records ' or a 'signed invoice '. On XX/XX/XXXX, I was violated, caused distress and damaged because my car was repossessed without notice. I believe that the repossession was unlawful and that this matter should have been brought to arbitration, not repossession. On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX and she informed me that my letter was received but was not 'put into the system ' and the repossession was sent out on XX/XX/XXXX ( after receiving my letter ). XXXX told me to fax a letter requesting to speak with the Legal Department about this matter, which I did but have not received any response from Westlake since.

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 2021-07-22
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.C systems inc reported a collection account on XXXX XXXX and i have not had any accounts or past due balances i opened in XXXX or XXXX because i was working on my credit. Then they just listed a collection account without notification or anything.

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 2017-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have twice requested SCRA benefits from USAA Bank regarding my credit card balance. I am a member of the XXXX XXXX was called to XXXX XXXX under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX for XXXX ( XXXX ) several times in 2017 during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However USAA rejected my request, stating I did not qualify stating that the SCRA only applies to service members on XXXX XXXX for 30 days. However it appears that provision is specific to XXXX XXXX members and I am a member of the XXXX XXXX and subject to XXXX XXXX XXXX. It is very disheartening as USAA prides itself on being military friendly yet denies this request. To contrast this, my other banks, XXXX, XXXX XXXX XXXX and XXXX have all honored this request. The denials were made on XXXX XXXX, 2017 and XXXX XXXX, 2017. I also sent a subsequent correspondence in XX/XX/XXXX to  dispute it again with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The account ending in XXXX contains a billing error. 

Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of id theft and it has been an on going issues for me verifying accounts reporting on my credit some of which are unknown to me, I request that you please forward all information pertaining to the opening of this account opened without my authorization.

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 2017-07-25
Company: Comerica
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a small business in 2014 with a term loan and a line of credit from Comerica Bank. We signed a term sheet that did not disclose any prepayment penalty and it was not discussed with us. The final term loan contract included a clause about a large prepayment penalty that was difficult to understand. We are now trying to refinance the loan and are being told we owe a {$6100.00} prepayment penalty on a {$150000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: WELLS FARGO & COMPANY
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 had a promotional balance transfer balance of {$3100.00}, entering the statement cycle. That cycle, XX/XX/XXXX to XX/XX/XXXX, I made four purchases and two payments. The purchases : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of the month, the promotional balance was XXXX, meaning that XXXX of the payment on XX/XX/XXXX was applied to the promotional balance, rather than the charges made on XX/XX/XXXX and XX/XX/XXXX that carried the higher balance. When I called Wells they said that they " generally '' apply the payment to the higher balance, as " a rule of thumb '' but that " there is no guarantee ''. The customer service rep even admitted that it it two lines in the terms of agreement. I feel like I have been punished for proactively paying down my 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 monetary relief
Consumer complaint received 2022-01-22
Company: Amsher Collection Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company is harassing me about a debt that was fraud and not mine! I demand they cease and desist under the fair credit reporting act and fair debt collection practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions 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:
In XX/XX/XXXXI filed Bankruptcy/case number is XXXX. Attorney XXXX XXXX added XXXX XXXX XXXX  XXXX without my permission. I was discharged in XX/XX/XXXXfrom wageearner. The case number was XXXX, XXXX XXXX was my mortgage. I learned he was working with XXXX XXXX/aka XXXX XXXX XXXX who posed as a paralegal with the XXXX XXXX XXXX. The XXXX Family have been working with an attorney name XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Tennessee XXXX. My credit report shows the date for XXXX XXXX XXXX XXXX purchase was for XX/XX/XXXX. Which is impossible because that is the year I originally purchased the property at XXXX XXXX XXXX XXXX TN XXXX. I told the trustee XXXX XXXX I was a victim of identity theft. I was told to notify my counsel. Neither Attorney XXXX or Attorney XXXX XXXX XXXX would listen to me. The sell of the property was done without my presence. I never received anything. All the information I now have is what I 've pulled. My mail was being stolen. A attorney was kind enough to pull information for me. XXXX County Register office sent me a copy of the deed. The number is XXXX. It shows the property was sold for {$18000.00}. Yet a XXXX was reported to IRS using The Department of labor Federal Identification number. Which is XXXX. The amount reported to IRS in XX/XX/XXXXon the XXXX is {$23000.00} + {$9900.00} using my social security number. Account number XXXX was referenced. A different address was used for Tennessee Housing Agency. The address reported to IRS is XXXX XXXX XXXX XXXX XXXX. The address on the deed for Tennessee Housing is XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. I received a letter from IRS dated XX/XX/XXXX. They are still investigating the XXXX identity theft form I sent them. These people needs to be prosecuted. IRS sent me the transcript in XXXX. I recently learned of this fraud. Court documents have been tampered with.

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 2022-01-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, I applied online for the XXXX credit card with Comenity Bank using my current address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. The application was under " submission. '' As my credit score was and is over XXXX, I immediately contacted Comenity regarding the my application. I was told that I had to wait until I received a decision in the mail. 

I later received a letter ( attached ) from Comenity dated XX/XX/2021 stating that I needed to call and confirm my address. I immediately called the number listed on the letter and confirmed my address of XXXX XXXX. Also, CLUE NUMBER 1 to Comenity in verifying the XXXX XXXX address, is the FACT that I received the letter at the XXXX XXXX address and called them. 

I later received a letter at the XXXX XXXX address ( attached ) dated XX/XX/2021 informing me that my application was denied since Comenity couldn't verify my address. I was instructed to call XXXX to resolve the issue and then I could reapply again. Again, I called Comenity after I received the first letter I called to verify the XXXX XXXX address. 

There is no conceivable basis as to why my application was denied. I understand security and the extra protection for consumers by verifying addresses, but this was not handled properly by Comenity as I verified my address.

I can only surmise that it is discrimination based on my age, among other things, or Comenity 's ineptitude in handling this matter, or both. 

I subsequently attempted to dispute the hard inquiry on my XXXX report, but Comenity confirmed the inquiry to XXXX. 

Now I'm left with a hard inquiry and a lower credit score on my XXXX credit report due to Comenity 's discriminatory practices/ineptness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights .

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX ( BANK ) CREDIT INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX  ( BANK ) CREDIT INQUIRY NOT AUTHORIZED XX/XX/XXXXXXXX XXXX XXXX ( FINANCE ) CREDIT INQUIRY NOT AUTHORIZED SECTION 604 OF THE FAIR CREDIT REPORTING ACT ( FCRA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery sends me a letter wed account is no me I sent a letter back asking for information they never send me nothing Not a XXXX the account is my

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In response to a promotion by Key Bank which offered a {$200.00} bonus for opening a checking account and having {$500.00} direct deposited to that account, I applied online for a checking account using the online promo code with Key Bank. I was approved ( see attached ). However, when I attempted to access the account online it confirmed my user name but I could not get a new password. I was told that I was locked out and should call XXXX where I spoke to XXXX at great length on Saturday, XX/XX/2022. He concluded that the account was indeed open and that someone from tech support would sort out the problem and send me an email next week. After no email came, on XX/XX/2022, I called the same number and spoke to XXXX who insisted that I must appear in person to confirm my identity. I told her that was impossible and she told me there was nothing she could do. In the meantime, I have set up direct deposit with one of my employers who has sent {$0.00} to this account and two other banking institutions have send test deposits. I have no idea what the problem is with identity since that was checked in the application which was approved. XXXX told me that as of XXXX am XX/XX/2022, someone at Key Bank decided that I must appear in person to validate my identity. There was no explanation nor logic to this request. I am elderly ( age XXXX ), not in good health and can not make a trip to XXXX, XXXX. I live in Massachusetts. Key Bank needs to open the account and be done with this foolishness. The offer was to open online which is what I did. To do otherwise is bait and switch and fraud. To further show how chaotic an operation Key Bank runs I received an email on XX/XX/2022, encouraging me to make at least a {$10.00} deposit or the account would be closed as of XX/XX/2022. No written demand to appear in person was listed in the email. I think Key Bank hides behind the boogeyman of fraud to cover its general incompetence. Clearly they do not know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING EXPERIAN AND XXXX  THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES FICO SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.

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