BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MO
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Hewitt-Capital
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to Hewitt Capital who had more information on the situation. XXXX, the representative for Hewitt Capital let me know that XXXX XXXX XXXX was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing Hewitt Capital in a civil suit being levied against my by XXXX XXXX XXXX. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}

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 2016-10-13
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/2016 mailed validation request to Stellar Recovery Inc . They have not responded and the account continues to be reported to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contact US BANK to dispute an fraudulent transaction and I was told this fraud on my savings account can't be disputed when I told them they have my account number the transaction showed my bank account this is Not an Error this is FRAUD money was taken out of my by using my account number which means my account has been compromised and I have sent the claim in for ACH entries I didn't know it was on my account until I looked through all of my transactions and saw this transaction for {$75.00} done on XX/XX/2018 # 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 2016-07-19
Company: Stellar Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On this date of XXXX XXXX, XXXX I received an alert from my credit monitoring stating that a collection account was added to my credit report. Upon reviewing my credit report, STELLAR RECOVERY INC. added this fraudulent account on my credit report again without sending me ANY notification. This account has NOT been validated after numerous written request. I file a complaint with the Consumer Financial Protection Bureau XXXX XXXX, XXXX complaint # XXXX in this complaint STELLAR RECOVERY INC stated that they will delete this account ; XXXX XXXX # XXXX, which they did comply. Since then- STELLAR RECOVERY INC HAS NOT CONTACTED ME VIA ANY METHOD nor have they sent me a signed contract as requested. They have not validated this alleged debt and for this company to reinsert is alleged debt back on to my credit report is a direct violation of the Fair Credit Reporting act, Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and Maryland Fair Debt Collection Practices Act, 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 2015-03-23
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
stellar recovery dba XXXX keeps putting open accounts marked as past due on my credit reports i have disputed and had them removed 4 times since XX/XX/2014 they keep adding them back on my credit report even after admitting that these accounts are n't mine ... this is having a very negative affect on my scores and preventing me from buying a house

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: STERLING JEWELERS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sterling Jewelers calls me 8-10 times per day from random numbers in different area codes. They leave at least 2-3 voice mails per day and will not stop with the frequent and unnecessary phone calls. I work and can not answer my phone during the day. My phone is constantly ringing and I 'm forced to send the calls to voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: MNE Services, Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted on both my personal cell phone and my employment phone by a gentleman stating his name as XXXX XXXX calling on behalf of US Fast Cash from XXXX Pennsylvania with the phone number XXXX He has been aggressive and has used foul language and insults. He has called multiple times in a short period tying up all phone lines. I have been in contact with him multiple times requesting that he no longer call my place of business but he insists that he will continue the calls until the debt is paid. The alleged scenario is that I was given a {$300.00} payday loan from US fast cash with all of my personal info such as account number and SSN involved. I allegedly never repaid this loan and now owe {$680.00} that this company wishes me to settle over the phone in payments or else I will be charged with several counts of check fraud and currency fraud in a " courthouse '' and I can even face jail time. I am not familiar with a company called US Fast Cash nor do I have any outstanding {$300.00} debts or fraudulent checks. I never gave any establishment permission to keep my SSN, bank account number or to call my work. I am being scammed to pay {$680.00} that I do not owe or else face non-stop threats and calls to my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Zakheim Law Group, P.A.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX refuses to send me statements for what is owed, they purchased the dept from sears financial. The dept was incurred when we purchased an over priced air conditioning system for the house seven years ago. When I have called and asked for statements I am told I have to sign up for and automatic payment plan. They do not call and do not communicate by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I enrolled in student loan thru sallie mae in XX/XX/2014 When my loan came due it was very difficult to understand how to enroll in my repayments options ( income driven vs normal ) as well as enrolling the proper account to use in the repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: P&L Acquisitions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have debts that were charged off many years ago. The statute of limitations for collection has long expired. Now, P & L Acquisitions has been harassing me for a year. Several phone calls per week telling me I must respond or I will end up in court. I have spoken directly with a human and told them I know the law and they must tell me the exact creditor, the exact amount they are trying to collect, and I receive absolutely NO factual information. I receive a letter at least once every two weeks. I finally sent a Cease and Desist demand letter to their " FAKE '' business address. After 15 days of never being an open business location, the post office was forced to return my letter as undeliverable. I demand that this scamming, illegal, fake, collection practice be STOPPED!!! Yesterdays phone call, from a female, was the worst. The woman declared she was a processor for the County ( what county? ) and that they will send my name to the Sheriff in 48 hours, for a service summons. THAT 'S IT! I 'm done tolerating this illegal abuse! P & L Acquisitions is all over the internet as a scam and moves from state to state. The supposed signature on their threat letters is also the signature of someone who has been deceased for several years now. SHUT THEM DOWN!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: ZENCO COLLECTION, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. Zenco Collects representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Other

Complaint:
From my citibank credit card account, I received an email telling me how many points my account had. Because I am not interested in this type of information, I clicked the email link provided to, " ... not receive future email updates from ThankYou Rewards, please CLICK HERE. " However, when the window to confirm my choice was displayed, if I chose not to receive emails about my TXXXX Rewards, I would also lose notifications about, " ... changes in my contact information. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
When monitoring my checking account online sometime during the second week of XXXX, I noticed XXXX debit transactions where the transaction detail was shown as " other debit. '' The XXXX transactions, posted XXXX/XXXX/17 and XXXX/XXXX/17 totaled {$900.00}. I contacted Citibank numerous times requesting more detail. After several calls and weeks, I was told by Citibank that the charges were to XXXX. I had contested XXXX fraudulent transactions to XXXX the previous month, so I was surprised that Citibank approved these transactions and debited my account without notifying me of another possible fraudulent transaction. As of today, Citibank has still not credited my account even though I have told them numerous times that I did not make the purchases and I have requested that they credit my account. Citibank has shown me no documentation of these charges and has notations that they have called me and sent me a letter but I have not received a call or letter from them. I finally decided to contact XXXX today and after speaking with XXXX people, they show no evidence of these charges. So I have no idea why Citibank debited my account for these XXXX transactions or where the money has gone. Citibank still has not credited my account or shown me any documentation of the transactions. The transactions are still shown as " other debit '' on my account register.

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 2016-08-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I monitor my credit reports weekly and found that a hard inquiry showed up on my XXXX report on XXXX/XXXX/2016. I contacted Citibank, the company that made the inquiry to find out why. I called the fraud department and spoke to XXXX, he would n't tell me his last name. I called on XXXX/XXXX/2016 about XXXX central time. Since I did n't have an account with them, they told me to disregard it. I told them I would not disregard it because it was affecting my credit and I wanted to know whether or not someone was trying to open an account in my name or if not then why they were pulling my credit. They then hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter back on XX/XX/2021 in regards to some accounts that are not mine and I have yet to see the accounts removed or received investigation results from the credit bureau 's. 

I would like for you to review the letter and affidavit I submitted in regards to the accounts that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have a credit card with Citi Bank. 
I travelled to the XXXX in XXXX XXXX. 
I had a car crash there and I was hospitalized. 
I could not make any contact with any of my US banks for several weeks and could not make payments ( for 30 days ) to XXXX accounts. XXXX with Citibank simplicity credit card and XXXX to XXXX XXXX XXXX auto car loan. 
In XXXX XXXX, I returned to the U.S. after extensive recovery. 
I Spoke to both companies. 
XXXX XXXX 's Vice President of Operations - XXXX XXXX XXXX - understood my situation and acknowledged it was a mitigating circumstance, that I was NOT under financial hardship ( as I have paid religiously on time for several years without one single missed payment ). hence XXXX requested from the credit reference bureaus to rectify and remove the delinquencies from my credit report. The delinquencies have since been removed and reflected in my credit history and credit score. 
Unfortunately, Citi bank credit card department ( and their credit dept. + policy dept. ) refused to take into consideration any of my mitigating circumstances and refused my request. 

Their reason was : " its not a Citi bank error ''!!!! 

This is very unfortunate despite being a loyal customer with them and had never previously missed a payment on my credit crd with them prior to my car accident. 

And just like that, without any common human decency or appreciation for what I went through in the XXXX, they flat out behaved like a heartless robot and kept the delinquency on my credit report. Now this is hampering my ability to borrow or use my credit history. 

I ask for you to investigate Citi banks policy regarding this unjustified flat out refusal to help me restore my credit history to its pre-accident state. To help me, their customer, when I needed them most. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a XXXX checking account on XXXX XXXX, 2016. This account came with a promotional bonus of XXXX XXXX points once certain terms were met. Those terms indicated that {$1000.00} would have to be spent within 60 days of the account opening. I have written confirmation from Citi on XXXX that my account was eligible for the promo. I completed this task and wrote to Citi on XXXX, XXXX confirming my eligibility in the promo and that I met the terms. Citi wrote back that I was in fact qualified and " all promotional requirements have been met. '' I was told the bonus miles would be accredited to my account my XXXX/XXXX/16. 

Once XXXX rolled around and no points were awarded, I reached out again to Citi. This time they 're telling me they need to check for eligibility, despite already confirming. This has been a back and forth conversation with no real answers as I 'm getting charged monthly services fees. I was original told on XXXX that a response would be received in XXXX4 business days. Despite multiple attempts, I still have not received a response from Citi.

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 2015-06-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Late fee

Complaint:
The credit card company for Home Depot ( Citi ) removed a late charge on my bill that I paid completely, but by the time they removed it, another late charge on the late charge happened. These cascading late charges ( on the late charge waived ) are the only outstanding amounts due this company. The only balance on this card is late charges on late charges for XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$35.00} ) and interest for XX/XX/XXXX on this " promotion balance ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
My credit monitoring service has flagged a hard inquiry from CBNA, XXXX XXXX XXXX, XXXX XXXX, IA XXXX on XXXX/XXXX/2016. Online research seems to indicate that this is Citibank. While I have held Citibank cards for many years I have neither used one recently nor have I applied for credit with Citi. I have not authorized this hard inquiry and want it removed from my credit report ( so far at XXXX ). I have had some attempted credit fraud earlier this year and want to be sure that this is not unauthorized activity but can not seem to get any response to my inquiries at Citi.

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 2016-10-26
Company: ASTA FUNDING INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had a law suit filed against me back in XX/XX/2007. I never received any papers on it. I did not know there was a judgement. This year they sent me a letter stating that they wanted to reopen it. Went to court which did no good. They said that they agreed with the company and ordered me to pay the amount I owe plus interest. It is very involved and would like to talk to someone about this. they have refused to give me a copy of the original loan. I am very upset, now they want to garnishee my wages. I do not owe any XXXX and need this to get cleared up as soon as possible. Please help I am at my wits end and seems like no one wants to help me.

Company response to consumer: Closed with explanation