BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: CITIBANK, N.A.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, prompted separation from spouse, a move to healthier environ that led to homelessness, joblessness. <P/>I contacted Citibank with address changes, told of the issues, that I would continue to pay and communicate online as I had to give up phone. <P/>I used up savings and notified them of the amount I could pay from odd jobs. They accepted for just a few payments, ( breaching the contract made by phone, recorded per Citi ) then refused my payments beginning XX/XX/XXXX stating to " Send the entire amount ... '' which was not in any way possible. Citi continued to refuse payments, did n't reply to any contact, but continued to add late fees, penalties and interest. <P/>I believe that they further breached the contract by writing it off, getting the tax credit and turned in to collections, the paper being bought by XXXX XXXX for what appeared to be XXXX cents on the dollar and they began sending collections demands in XX/XX/XXXX, and only a statement for the full amount every 6 - 8 months, ignoring every contact of mine with description of the history, what I felt was fraudulent billing by adding penalties, late fees. NO reply. XXXX XXXX XXXX re : ID FOR COMPLAINT SENT TO XXXX XXXX Ignored, only a statement for full amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by XXXX, XXXX, and Equifax. XXXX, XXXX, Equifax are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. XXXX, XXXX and Equifax has not been truthful in their investigation practices. They are reporting the following incorrect information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2019-07-22
Company: General Motors Financial Company, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 Americredit Pulled my credit after sending a letter stating that they didn't the following attachment you will see the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My brother XXXX XXXX and has no wife or kids. He XXXX X/X/2017 and his only heir is his mother who ca n't tend to the estate so I was awarded the Executer to the Estate. I have sent this company sensitive and personal documents on numerous occasions and to several names within the organization. The Estate hired a Real Estate company to look into a short sale. The Real Estate company has an offer to purchase that is very consistent with the market and has been  sending information representing the Estate for months. The company is not recognizing the fact that my brother has passed and continues to send information on refinancing the loan.

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 2020-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX or XXXX we purchased a XXXX XXXX XXXX for my son. The vehicle has since been paid off. In XXXX my son was XXXX. His daughter is now XXXX and would like the car for herself. I lost the pink slip in a fire and the only item I could locate was an old registration. The registration indicates that Wells Fargo is still the lien holder, as a result I am unable to transfer the title to my granddaughter.

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 2021-07-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm dealing with wells fargo bank since 4 years what's happening with them since few months ago and these days speciffecly is after i tried to purchase for a fly ticket it shows on my checking account that the is gone it doesn't appear anymore but it didn't show as payement submitted or in the account activity i cancelled a fly ticket in the same day which means that if they took the payement they will refund or if it's on hold it should show up in my checking account, i called my bank i have the payement history i have screen shots showing the card i used to pay, the agents seem like they don't know they put me on hold and the cut the call the amount was XXXX $ on XX/XX/XXXX XXXX another amount of XXXX $ on XX/XX/2021 for Business funding solution

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 2022-01-11
Company: EQUIFAX, INC.
State: TX
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:
XXXX, Equifax, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX Equifax, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX Equifax, and XXXX remove this public record off my credit report asap. My XXXX and age is playing a big part of XXXX Equifax, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX Equifax, and XXXX is very XXXX and doesn't put accurate information on certain people credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
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 To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction.

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States.

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT.

THIS COMPANY INFORMATION IS INCORRECT ON MY CONSUMER REPORT IT HAS ON BEHALF OF AMERICAN HOMES FOR RENT I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, 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 non-monetary relief
Consumer complaint received 2022-01-11
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've gotten several calls now from a company called Sequium.

Sequium has several times now called my business phone number ( I own my own company, XXXX XXXX ) with an automated recording saying I owe a debt to be collected, does not describe or name the debt, and when I try to follow their menu through to a real representative, it says " searching for your account information '' and then the line disconnects. It has also called and the automated recording calls me by another business name, ( mixed up the phone numbers somehow? ). Again, I could not reach a real person. 

The calls are harassing. I've received multiple just today and I owe no such debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received the attached Notice of Unpaid Tolls and Penalties from XXXX XXXX XXXX XXXX XXXX in the mail on XX/XX/XXXX and XX/XX/XXXX. I did not receive an Initial Toll Violation notice from the XXXX XXXX XXXX for XXXX violation. I called the LGBS number onXX/XX/XXXX and  spoke with XXXX. I explained that I had not received an Initial Toll Violation notice from the XXXX XXXX XXXX for this violation. He stated the original toll notice was returned on XX/XX/XXXX and that the address was XXXX XXXX instead of XXXX XXXX. This explanation does not make sense as the US Postal Service delivers mail to my townhome community regardless of the Unit or Apartment designation. I have paid previous XXXX XXXX XXXX violations received at my same address and subsequently opened an account with XXXX XXXX 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 2022-05-04
Company: Peterson Enterprises, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Peterson Enterprises Inc has repeatedly called and shown up at my property attempting to serve me for a debt that was paid. I paid it using certified mail having all the proper documentation. I will be moving forward and opening a lawsuit against them. 

The company called me XX/XX/XXXX after showing up on my property twice, asking if I would meet with them to be served for an already paid debt. On XX/XX/XXXX i went over all documentation advising the debt was paid. Then again for the third attempt the collector came to my property XX/XX/XXXX again attempting to collect and telephonically harassed my husband via his phone XX/XX/XXXX after already making telephone communication with me XX/XX/XXXX twice that day. 

I have cameras on my property and have detailed logs of the payment and each telephone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received an online statement which said my payment was due XX/XX/2017. However went on line to make payment and they wanted my checking account number which i did not want to give so I went to Old Navy to pay bill. They stated that I could only pay on line with my checking acct # or by phone. When I called the phone # they stated my bill was XXXX which was a XXXX late fee. That is outrageous. I went on line today and gave my checking account # and paid XXXX which was the amount of my bill. that XXXX fee is outrageous. I also want to cancel my card. There is no option to do that.

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 2021-07-26
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has come to my attention that American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX  never loaned me money. Banks can not loan money, Congress never gave banks the power to loan money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been denied credit several times over the last year due to Equifax having a freeze on my credit report. I have contacted their credit freeze dept several times to address this issue only to be told that there is not a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am the owner of account number XXXX. 

I am disputing the following transactions that were charged fraudulently to my account without my authorization :XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$210.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$190.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$98.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$83.00} # XXXX XXXX XXXX HI XX/XX/XXXX {$54.00} XXXX # XXXX XXXX HI XX/XX/XXXX {$11.00} XXXX XXXX XXXX HI XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX HI XX/XX/XXXX {$7.00} XXXX XXXX XXXX XXXX HI XXXX XXXX, XXXX {$37.00} XXXX XXXX XXXX HI XXXX XXXX, XXXX {$13.00} XXXX XXXX XXXX HI I did not make or authorize these transactions that appear on my account. The debit card used was not in my possession and to the best of my knowledge was stolen on approximately XX/XX/XXXX. I immediately reported it as stolen as soon as I learned of the fraud. I do not have knowledge of the identity of the person who illegally used my card and did not receive any benefit from the transactions listed above. 
I give my consent to Navy Federal Credit Union to release any information regarding my card and/or account to any federal, state, or local law enforcement agency so that the information can ( if necessary ) be used in the investigation and/or prosecution of any person responsible for fraud involving my card and/or account. 
Please adjust my account information to reflect that I have disputed these transactions, remove these items from my statement, and send written confirmation that you have done so. Under the Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) my maximum liability is {$50.00}. Further, Navy Federal Credit Unions Zero Liability policy ensures that I am not responsible for false charges to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is inaccurate and unverified information on my credit report

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: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In view of the XXXX fiasco I wanted to place a freeze on credit reports. XXXX XXXX web site took took about 3 minutes to complete, with reasonable requirements for verification of identity. 
XXXX XXXX process took far longer and multiple attempts to complete with ridiculous questions about former residencies and loans, more of a marketing ploy than a service but eventually completed. 
Transunion 's process is obviously either designed to prevent access or is done by incompetent IT people. It required name, address, SSN etc as expected, but then required creation of a user name and password, and then multiple questions about previous mortages, residencies, banking history, and phone numbers etc. After submission I got a message something like " can not identify you based on answers '' but no suggestion of which answers or how to correct. A reattempt generated a message that I already had a user name and password, but would not accept those just set up. A " contact us '' phone number was given but was the same format via a menu of choices. 
I attempted to complete by touch tone phone with same results. Obviously their information is faulty. An address is given to apply by mail, but no form or list of information required or human contact info so no chance to correct " errors ''. 
The obvious carelessness of these companies, along with revelation that at least 2 of them give different reports to consumers and merchants and lie about it, destroy any credibility. Fortunately I am no longer dependent on loans or mortgages, but have had difficulty in the past despite never having defaulted on an obligation, and very rarely late. I now understand why. 
More concerning to me is the likely exposure of other accounts and information to hackers, either against the bureaus or their customers. 
They should at least be required to obtain permission from their victims before collecting and disseminating private information and have actual contacts available to correct errors. 
Computers will never be hacker-proof, but criminal negligence such as that by XXXX should result in jail time for the culprits, not in fines paid by stockholders.

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