BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Several months ago I tried to order groceries online when I was in quarantine for Covid-19. It took me HOURS to get a time slot and order the groceries. After I finally placed the order and got a delivery time slot, I received a notification that my order was canceled and I thus lost the time slot that I spent so many hours over a period of days to get. I tried calling CIti, not possible. The online grocery store customer service agent finally told me that my card didn't work. I later found out that ONCE AGAIN CIti had problems with their security and thus for at least the 10th time, canceled my credit card! Since I was in quarantine in XXXX, rather than at my house in XXXX and no one would answer the phone at Citi, I had no way to get my card. So I had to spend the past 6 months using someone else 's credit card to buy essentials. 

The excuse Citi uses for charging not only an annual fee, but an extremely high one, is that they give miles on XXXX XXXX and a free checked bag. Since I can not reach a live person, and they removed the Secure Message Center link, and only have a " live chat '' which wastes time and tells the user to call -- again the number no one answers during Covid-19, or MAIL a letter, which clearly does not help in less than a few weeks, if ever, I asked, on more than one occasion for a refund of the annual fee -- I have screen shots showing that I requested that IMMEDIATELY. There were always excuses. I did not agree to this fee, I do not pay a fee on any of my other cards, and they give me benefits that I can actually use. 

Please help, as Citi is taking advantage of customers, especially during the Covid stay at home period when people can not go to banks or stores in person. I do not like that they get away with what they do by not having a manned phone line or email. They put customers in a useless loop.

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 2020-06-09
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CACH LLC, a Company I have no idea who they are, and XXXX XXXX XXXX are trying to collect a debt. from me. As far as I remember, I never signed any documents with the mentioned above organization. I had in the past a loan with the XXXX XXXX for a loan. I was making my payments until I lost my job in XX/XX/2015. Even without any income, I continued making my scheduled payments until I ran out of funds. At that point, I informed XXXX XXXX about my financial hardship and they agreed to work with me on making moderate Goodwill payments and try to keep the account off my credit. After several months of making payments, I got a call from claiming payments on the account and demanding a higher amount than the amount discussed with XXXX XXXX. They never identified themselves or said who they were. In fact, anytime I asked, the customer service rep would give me an evasive answer, implying that they worked for the XXXX XXXX. Under the assumption that they were still my lenders, I agreed to the new higher payments.I had checked my Credit Report, months ago and it was noted that the account had been written off, I kept making payments. 
During this period even when I was paying, calls kept coming several times a day When I could finally answer, new demands for higher amounts were demanded Because I was paying religiously, I asked first of all, why were they changing the amount when we had an agreement, ( Funds were being withdrawn from the bank ) why was I getting so many calls at work when they weren't supposed to do so especially because I was making payments, and more importantly, who were they. At this point I informed them that I was more than happy to continue with the arranged payments, but demanded to know exactly who I was dealing with. They refused to give me any information and I informed the person calling that until they could tell me exactly who I was doing business with I'd stop payments. 
As I mentioned before no written communication was given. And recently I found out that a third party Collection Agency named XXXX XXXX, XXXX has joined the venture. 
CACH LLC among other thigs, failed to provided the requested information and expected compliance. The stop payment occurred because THEY refused to provide the requested information. They also : Called several times during the day, and harras me every time I answered the phone ; Used lies or deceptions to collect the debt. They before and XXXX XXXX now, implied they could garnish my wages. All because they failed to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent out a dispute letter via certified mail to TransUnion on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from TransUnion. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: MIDCOUNTRY FINANCIAL CORP
State: AE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Pioneer services has a loan of ours which we stopped paying on because they cant send us proof of a signed contract. the time this loan was taken out our ID and SSN were stolen and a lot of drama came from it. For some of the stuff we actually thought it was us but turns out a lot of it was n't. Now they keep harassing my mom who I have n't talked to in a long time and calling her day in day out We are stationed overseas and do n't have any contact with her since my dad passed away. 

She is getting XXXX at us and we still do n't have papers showing a signature. 

We looked online and the papers on there do n't even have a signature. They have called her over 20 times now and its very tiring to hear from someone who we do n't even speak too!! 

They need to stop RIGHT AWAY with contacting her or any other person they think we might be related too. We do not live in Indiana nor will we ever and we are n't related to her in any way other then she was my dads wife while he was alive!!!! 

CEASE CONTACT WITH THEM ONLY CONTACT US DIRECTLY AND ALSO DO NOT CONTACT OUR EMPLOYERS!!! 

give me proof and I will gladly pay!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Someone used my name and credit information to open a XXXX credit card at a XXXX ' in XXXX, LA at store XXXX on XXXX/XXXX/15. I called the fraud dept at XXXX and the card has been closed. I filed a police report in my town. I got in contact with the XXXX credit bureaus to put a XXXX fraud alert on my account. When I get the police report, I will extend this to 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX account 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 states 2 : it also states a consumer reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: MI
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Recently I disputed a bankruptcy with transunion that was verified as acurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that transunion is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my transunion report and has long been gone from the other credit reporting agency 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: R & B Corporation of Virginia
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I believe it was in XXXX of 2020 that my cable/internet service with XXXX XXXX was disabled due to a storm. I called and informed the company that my service was down. On Friday I was informed via voicemail that a repairman was coming to my house on Monday for the pending service call. He never showed up and I was without service for 2 weeks. Since no one showed up to fix my cable/internet I called and cancelled my service with XXXX XXXX. Then I contacted XXXX to have service installed. Each month since XXXX I have received a bill for service even though I canceled my service. Now I have received a letter of collectionsstating that if I don't pay the collections company ( Credit Control Corporation XXXX XXXX XXXX, Va ) a balance of {$110.00} that they will report it to the Credit Bureaus and damage my Credit Rating. I called today to talk to XXXX about the issue and the Collections Dept. operator named XXXX just gave me the phone number for Credit Control Corporation. She didn't even bother to discuss the issues with me about no service and no repair.

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 2015-07-30
Company: ALLY FINANCIAL INC.
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I changed my address for my account at Ally bank to a local address in XXXX, WA. Ally bank once again locked me out of my account without even contacting me at all and are stating that they need verification that i live at that address. This address is for a food bank. I am homeless and therefore do not have any utility or other bills sent to this address. This is an ongoing problem with ally bank, but not a single XXXX of my other institutions. not XXXX, not XXXX, not higher XXXX ( my student aid bank ), not a single other financial institution has a problem with me or my addresses, but ally immediately shuts down my acct everytime i try to change my address with them. They even once changed my address against my will and without authorization, then tried to lock me out yet again. I am sorry that i do not have a permanent address like most people but surely there are other people this is happening to. my dad retired as a XXXX and had a XXXX for years and never had a single problem, but yet ally wants to give me problems all the time. This is discrimination against the homeless and i am sick and tired of it. this is like the XXXX or XXXX time ally has locked me out of my account and refused to allow me access to my own money. How are they allowed to repeatedly do this???!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Chapter XXXX Bankruptcy filed in XXXX. However, the Bankruptcy was never confirmed and was dismissed in XXXX by Court order. Order of the Bankruptcy Court specifically states ORDER DENYING BANKRUPTCY OF CHAPTER XXXX PLAN and DISMISSING CHAPTER XXXX CASE. EQUIFAX does not report this correctly. EQUIFAX only reports the Filing and the Dismissal on the credit report. EQUIFAX fails to report the DENIAL OF CONFIRMATION which effectively moots the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX account 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 states 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
I have been a victim of fraud I see several inquires on my credit report in which I did not provide my information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The debt has been resolved and should reflect XXXX balance

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 2017-05-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had  XXXX  store credit cards with Synchrony Ban k Walmart and Sam 's Club st ore cards. Then in late  XXXX  early  XXXX    XXXX   my  XXXX  cards were blocked because o f Fraud is what I was told. The fraud was that there were several accounts opened up in my name within a short amount of time all with Synchrony Bank. These accounts were fraudulent as I did n't authorize this. So instead of just closing those accounts they blocked the accounts that were mine Walmart and Sam 's Club and sent me a report to fill out wanting my tax documentation and I refused to do so because that was n't the  issue. So I had to close my  XXXX  cards along with the fraudulent accounts. I hav e since received four letters  from Synchrony which is attached stating that those  XXXX  accounts that were opened was fraudulent because I sent an FTC Affidavit and Police report. Now, my issue is why did n't they re-ope n the Walmart Store card and the Sam 's Club Store card which was blocked because of all this mess an d was my accounts.

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 2020-06-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I left my banking information on paypal and my account was hacked, paypal doesnt have any trace of what happened and were very reluctant to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BARCLAYS BANK DELAWARE
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
{$69.00} XX/XX/XXXX Annual fee that I have previously canceled. 

Barclays Credit Card - Specifically Frontier Airlines Credit Card I have a Frontier Barclay Credit Card - in the past, I happily paid a {$69.00} annual fee for additional benefits- more miles when you spend on airfare, restaurants, etc. Since Covid, I am not traveling and dining out as much. Last year, XXXX, I canceled the {$69.00} fee and downgraded my card to a {$0.00} annual fee with fewer benefits. I thought that was the end of it. Now, they just bumped on another {$69.00} annual fee and are refusing to reverse it. I find this highly inappropriate and scamful? Without my consent, after canceling the annual fee arrangement, they popped on the charge again. I called them today, talked to supervisor, etc,- and NO - they are not going to refund the {$69.00} annual fee- I called them and successfully removed/canceled it last year- but it suddenly popped up again. 

I called today asking to please reverse charge, I still use the card, but have down-graded to the {$0.00} annual fee card and they gave me a hard NO. They are not budging and I think this is criminal. A class action perhaps? All I'm looking for is my {$69.00} back. I do not want anyone else in this boat. Thank you for listening.

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 2015-07-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I hired XXXX XXXX XXXX " XXXX XXXX '' at XXXX to act on my behalf to renagociate ( XXXX ) interest rates. On XXXX of my cards, XXXX XXXX, I chose to close the account, stop interest charges and pay off debt. I was told that this would be reported as account closed by consumer. This did not happen. Per XXXX and Equifax this account is reporting as closed by credit grantor. When I contacted the firm working on my behalf, I was told that this information is incorrect and that this has never happened. I assured them that it does and that it did. I was told that it was to me to get this reporting corrected. I have no way of knowing how to do this. This firm was paid very good money to protect my credit rating yet a problem occurs and it is not their responsibility? how can that be? I do not know how to fix!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed a collection account XXXX XXXX who has been reporting false information on all XXXX of my credit reports. I inform Equifax and disputed the information on my report along with documentation regarding the false and inaccurate information. Within one week the return with The Company states it 's my account and it will remain on my report. I would like to file a complaint for them failure to properly investigate and continue to report false information on my report. I 'm also complains about XXXX XXXX XXXX XXXX Credit Card that was included in my Bankruptcy and they refuse to put a XXXX balance as I previously disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX - Unverified Account XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX. XXXXXXXX XXXX XXXX  Unverified Account XXXX. XXXX XXXX XXXX - XXXX XXXX Unverified Account

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