BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Incomm Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a XXXX prepaid Visa Gift Card today for {$90.00} ( {$85.00} for the balance and {$5.00} for the activation fee ) at my local XXXX today. When I got back home, I went to securespend.com, their website to active the card and check the balance on it. I entered my information into their website and it took it on the 3 or 4th try. I was just making sure that the money that I had put onto the card was there. And it was, it said for my available balance {$85.00}. After that I went to the online store that I bought the card specifically for since they dont have their own gift cards ; XXXX. I got to the final page on their checkout in which I had to input my payment information, then I clicked submit. It said that the card information was invalid, I reviewed the card number and the other information and it was all correct so I tried again, but I retyped the number again to make sure I havent looked over an error on accident. After this it denied again so I went back the website to check my balance and it wasnt accepting my information. It said that the card number was invalid. So after this I tried calling their phone number at XXXX and they said that my card was invalid. I also tried calling their customer support which I just got answered by a bot and got hung up on multiple times. This card was issued by XXXX, XXXX. and the card is distributed and serviced by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2022 someone opened up an account with Citizens in my name to purchase some gaming consoles. The information used was at an address I had not lived at for 15+ years, but the people who opened the account XXXX used my email address and i got notification that it had been applied for. I called Citizens immediately, before any purchase had gone through and told them to cancel everything, it isnt mine. they told me everything would be canceled and any impacts to my credit would be updated.. Citizens continue to try and collect, they refuse to return my calls to the fraud department and keep sending me collections emails. This is not my account, I tried to stop it and they still opened it without my permission and allowed charges to be made even though they knew at the applications origination that it wasnt mine and were told to stop everything. Stope trying to collect on something that doesnt belong to me and remove this from my credit! This is not my account, I did not authorize or benefit or receive anything from it and it needs to be gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the XXXX data breach of XXXX also part of the XXXX data breach  Of XX/XX/XXXX. As well as the Transunion breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR 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
Consumer complaint received 2023-04-23
Company: Block, Inc.
State: SC
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:
My phone was stolen and once I recovered my phone I noticed a unauthorized charge made on my account. I filed a dispute about this unauthorized transaction cashapp denied my dispute when I didnt even authorize this transaction. My phone was stolen and I have proof that I wasnt in possession of my phone when this transaction occurred. I already recontacted law enforcement to inform them that yall are allowing my money to be stolen from my account. I also contacted XXXX XXXX XXXX  and the other major companies to XXXX XXXXXXXX I will not give up on this complaint until I get my money back that was stolen from me. I will not give up on this complaint until I get my money back that was stolen from me, I will take this to court and XXXX yall if thats what it takes for me to get a refund for the unauthorized charge that was made on my account I will do whatever it takes. If you refund me for the unauthorized charge I will close the complaint and I wont take it to court. I filed a complaint against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Mr. Cooper Group Inc.
State: VA
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 to the fair credit reporting act acts by XXXX is violating my rights. Under 15 USC 1681 section 602 states I have a right to privatcy. 15 USC 1681 section 604 A section 2 states the consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666 B states a creditor can not treat a payment on an open mortgage or credit account under an open consumer credit plan as late for any purpose Nationstar Mortgage LLC XXXX Reporting Lates : XX/XX/2022 XX/XX/20XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX, have filed a dispute with the respective three credit bureaus Experian, XXXX, & XXXX. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XXXX XXXX  in which it is now XXXX XXXX XXXX XXXX days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.

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 2023-03-06
Company: National Credit Systems,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:
Today marks 2 years i have been fighting inaccuracies on my credit report. National Credit Systems has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit score suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving. 
After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. National Credit Systems has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Albert Corporation
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A direct deposit was sent to my account on XX/XX/2023, my bank refuses to deposit it in my account. They said they received it, but wont give me a reason why they wont put it in my account even tho my account is in good standing. I have a trace/tracking number for the deposit as its from the family support pay ( Missouri child support ) and the bank still wont give me the deposit. The deposit of over {$2700.00}!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: OneMain Finance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Refinanced my truck with one Maine financial and they said for the loan to be valid in Texas it needs to be registered in the state so I paid them XXXX XXXX dollars to register the truck and its been over a year now and I still havent received my registration and every time I call about it they blow smoke up my XXXX about some excuse or another

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2022, I got XXXX  checking Bonus offer flyer by mail ( Promotion Code XXXX ), and I walked to the Citibank , N.A . XXXX XXXX and asked if I am qualified for this bonus offer. XXXX personal XXXX XXXX XXXX helped me and checked my situation. At that time, I told him I have a checking account with Citibank. He did research and told me that I am qualified for this bonus offer and helped me to open a saving account. And he told me that I have to make a deposit of {$75000.00} to earn the {$1000.00} bonus by XX/XX/2022. I also asked him if I can make the deposit on XX/XX/2022. He was very positive in confirming that is not a problem. For the checking bonus offer, Citibank required me to keep my money in my checking account for 60 days. After 3 months, I still didnt get my bonus, so I went back to XXXX XXXX XXXX He told me not to worry and that he will investigate my case. I went to his branch every weekend and asked the result for three weeks. After more than one month, I still didnt get any results. So he forwarded my issue to his XXXX XXXX XXXX XXXX. XXXX helped me conduct another investigation. After about two weeks, she told me that I am not qualified for the bonus because I didnt make the deposit within 20 days after I opened my account. I told her that is not true, because XXXX told me I can make the deposit on XX/XX/2022. So she forwarded my issue to her XXXX, XXXX XXXX. After one week, XXXX called me to tell me that I am not qualified for the bonus offer because I opened a checking account with Citibank within 180 days of opening my savings account. This means that XXXX employee XXXX XXXX provided me with incorrect information when he said I qualified for the bonus.

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 2016-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account does not belong to me and I was unable to verify this debt. I sent a debt validation letter out to XXXX XXXX XXXX and was unable to reach them. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. My letter was 'returned to sender '. Please see attached photo of returned letter and credit file address.

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 2023-01-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/ i Certified mailed Equifax Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Equifax ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer. 

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates. 

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAME : XXXX XXXX  / ACCOUNT NUMER : XXXX XXXX ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX I have uploaded all of the proper documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX of this year, I opened my checking account on Citi online, before that I called the bank to ask if I could have one since I live in Texas and there are no branches here they said yes so I did. 
I then recieved my debit card on XX/XX/XXXX and I transfer funds from my other bank to here. I Just transferred {$800.00} dollars. 
The main reason I opened the account is because I also bank in XXXX  which is a bank from the same company of city but in XXXX  which Ive had no issues at all And I wanted to be able to transfer funds from these 2 accounts if needed, because Citi states that you can do that between 2 Citi banks even if theyre from another country So I sent {$100.00} to see if I would get the money the same day, so I did And I then sent the remaining {$700.00} and my account was blocked and it said error MFA and to call the bank I called the bank on XX/XX/XXXX and they told me they couldnt verify my account even tho I have the number and email I use to open the account So they said the would sent a letter to my house to verify my identity in 7 days, and I never did, I had called the bank and they keep hanging up on me, they tell me theres nothing they could do And I cant log in, transfer anything, use my card So they have my money and I cant use it and Theres no one I can talk to

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 2023-03-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This loan was started on XX/XX/XXXX for XXXX and the monthly note is XXXX. In XXXX I was out of work due to a health problem. I called the company to let them know, so I was granted a few months that I can make payments for XXXX a month, when that time was up the company called me and said that my car is on the list to get repos unless I can make a full payment of XXXX. I let them know I am out of work and I had applied for XXXX and I am waiting to hear back. I also told them to give me until Friday I have a friend who can let me borrow it that was the agreement that was on a Wednesday apparently it was fine. Then this happened Thursday, XX/XX/XXXX my car was reposed Credit Acceptance did not even wait until Friday to come to see was the note going to get paid. I call them on the phone to ask why they repose the car we had agreed for Friday. Then I was told that they can't do anything about it, I was told the only way I can get my car back is to agree to a payment of XXXX a month if I don't they want to tell me where the car is and I can't get it back it will go up for auction. I had to agree to their tern and send them XXXX first before I can know where the car is and get it back. Now I have been getting help for 12 months paying XXXX on the car now I was approved for XXXX i ask the company can we try to settle this loan for what I had already paid or drop the note. I was told they can't and that maybe I should surrender the car. The remaining balance is XXXX which includes a past due balance of 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 2023-03-05
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo continues to damage me and crucify my credit score over a debt I settled by tender of payment back in 2017. The debt is over 8 years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in 2017 and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage.

I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! 

I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to kill me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!

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 2023-03-05
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a will produced letter from First National Collection Bureau , Inc. on behalf of XXXX XXXX XXXX and XXXX Bank. 

I have no recollection of opening an account with this company and do not recall making any purchase at XXXX XXXX XXXX for {$120.00} The letter was offering to remove all " {$120.00} '' if I paid them {$56.00}. 


When I looked on XXXX to check for any collections or outstanding accounts, there were none. 

THIS WAS A WELL DONE SCAM. Very scary and very real looking documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: BARCLAYS BANK DELAWARE
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made a transfer of {$1500.00} from my credit card with a limit of XXXX, received the money in my checking account. They then transferred {$1600.00} from where I don't know I was over limit at that point. They said they sent me a new credit card I have no new activated credit card I don't know where the money went from this transfer but they are charging me for it ruining my credit and wanting me to pay back {$1600.00} I never received. They can not prove I received the money, I can prove the {$1500.00} original into my checking account and will certainly be paying that back. I did not receive another {$1600.00}, and will not pay that back. I want this account fixed and my over limit repaired so my credit rating is not ruined by this fraud transaction.

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