BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. When I got the loan I filled out all paperwork to do automatic payments. They made me do it. But then they failed to set up the automatic payments. I did not realize this until a month after the payment was due. They never sent me a letter, email, nothing. 

2. So I called in on XX/XX/XXXX at XXXXXXXX XXXX and made two payments. One for XXXX and a separate one that was supposed to post one day later for XXXX. They made the XXXX payment and did not do the XXXX one. So I called in again on XX/XX/XXXX when I realized this. I spoke to a supervisor. She reviewed the call from the previous week. She stated that the 'associate ' failed to make the second payment. So here it is XX/XX/XXXX and the still have not taken the money out of my account. 

This is fraud. How can I be current on my loan if they refuse to make the payments even after I give them full routing and account numbers and verbally authorize the payments?

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 2023-08-28
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-17
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of a XXXX XXXX XXXX  XXXX XXXX XXXX please investigate and remove all unauthorized unvalidated accounts from all three credit reporting 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 2023-06-19
Company: EQUIFAX, INC.
State: WI
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/22 I received notice from my credit report monitoring service of a new balance on my Citi card. I tried to login online but my password didnt work, so called CIticard and found out there were 8 purchases made out of my state between XXXX for a total of {$7500.00}. None of these purchases were made by me. My card was canceled and the charges were disputed and was told could take 2 billing cycles. After reviewing my credit report I noticed an address out of state that is not mine and disputed it and froze my credit report. I called back was told the investigation was closed because I needed to answer questions but I never received the email, so I answered their questions on that phone call and was told investigation would be reopened. I called back again and was told investigation was closed based on the card having a chip being used for these purchases in other states that I have not been to. They told me to file police report, postal report and send an email to their security operations manager to reopen investigation which I sent on XXXX. I called back to confirm they received email but was told they would make a note about my call. Upon further questioning I found out my citi card had been mail to the wrong out of state address on my credit report. So it seems someone changed my address and had new card sent to that address and then used my card to make fraudulent purchases. Its been over 2 months my card is accumulating lates fees and interest on these fraud purchases. I dont want my credit to be affected. I need help with disputing these fraud purchases with Citi card. Thanks.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following credit card account and hard inquiries currently listed on my Trans Union, XXXX and XXXX credit report is not my credit card account or hard inquiries : XXXX XXXX XXXX, {$100.00}, XXXX XXXX XXXX XXXX XX/XX/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

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 2023-05-03
Company: CAVALRY INVESTMENTS, LLC
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 do not owe cavalry portfolio any money. I understand they are debt buyers. But I do not have a contract signed with this company. Im requesting they ceast & desist from collecting debt since I do not owe them any money. Im also requesting they delete this collection off my credit report per fcra laws. Also I since Im requesting ceast & desist all communication should be by postal mail and all phone calls should stop. If they call me. I can sue XXXX per call per fcra law. 

Delete this off my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Old information reappears or never goes away

Complaint:
There are multiple inaccuracies being reported on my credit report and I have disputed them all through Transunion and XXXX along with the creditors. I have supplied my bankruptcy discharge paperwork that listed these specific accounts, and they keep re-appearing and damaging my credit. 

The credit bureaus keep stating that this information is " accurate '' but it is not. These accounts were all included in bankruptcy, and they keep getting removed and then re-appearing after a few months with a new creditor, but they are the same account, and the process starts all over again. 

XXXX XXXX XXXX : {$3200.00} through something called XXXX : This account is not correct because I have NEVER had them. I called XXXX and they failed to produce any proof that this account is mine. No contract, proof of my ID, proof of my address, absolutely nothing. In addition, they claim the account is from a period prior to my bankruptcy, which means this debt is included in the discharge and shouldn't be on my credit anyway. 

The following other creditors have been notified multiple times about being included in my bankruptcy and they have failed to stop reporting the debt : 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

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-03
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe lobel financial any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages named FAIR COLLECTION AND OUTSOURCING IN THE AMOUNT OF XXXX $ And same collection in the amount of XXXX $ on my credit report. According to the 15 USC 1681 Law these damages are defamation to my character. I have tried to reach out to reporting agency 3 times starting from XXXX of 2022 to resolve error and have only gotten a system generated response. No proper investigation or proof/ method of validation.

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 2023-05-03
Company: EQUIFAX, INC.
State: CA
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 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. XXXX XXXXXXXX Date Opened : XX/XX/2017 XXXX : {$0.00}. Please delete the late payment and update my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XX/XX/2019 Macy 's has been removed from my credit report.I have documents printed out from XXXX showing that.Before it was deleted, my Macys account was in negative standing because I refused to pay them for the item, that was falling apart after few months of using it but I bought extra warranty at the time of purchase and they were supposed to either fix it or replace it.I have all documents supporting what I did in order to notify Macys about the problem.Since they neglected me all the way so I stopped paying them. That was the moment, when suddenly they knew how to call me back.After few long months of frustration, I received the check from Macys for the damaged item.However, they never refunded me for interest I paid over XXXX period. 
After sending all documents to XXXX, OH, Macys removed my account from credit report at my request since it was killing my credit history and it was impossible to apply for any kind of loan.Now its showing again and my credit dropped down drastically.Calling XXXX wasnt a good idea. Professionally rude, trying to convince me I am wrong and that they dont see in the system what I am claiming happened.She wasnt even willing to take the report number from me so she could see clearly what I meant.Horrible experiencePlease help with removing Macys from all credit reports.You are my only hope.Thank you.

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 2019-07-09
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I ask on XX/XX/2019 to make a later payment like at the end of the year, but I was never told if I could now they are asking for a payment that I dont have right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recent Dispute Dates : XX/XX/2023 Reason : Dispute XXXX of the credit card that doesn't belong to me. The credit card has due pay for over 150 days. It severely damaged my credit score. 

Actions I have taken : I filed multiple disputes regarding XXXX of the mis reports of the credit card that doesn't belongs to me. The XXXX told me they did investigation and won't change the record. 

I also called BofA to help correct it, my XXXX XXXX got back to XXXX in XXXX after I call BofA. 
But somehow the wrong bad record comes back to my report again, decreased my score to XXXX. 

It is so obvious that the owner name of the card is not mine, and I double confirmed with BofA that even the XXXX of the card is not mine as well. 

The XXXX refuse to give out details of how they do the investigation, how they ignore the obvious mistake on the record.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of anydebt- 15 us 1692b ( 4 ) not communicate by post card ; 15 us 1692b ( 2 ) not state that such consumer owes anydebt ; 15 us 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt

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 2018-08-09
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Below is the letter that I sent the company describing the issue regarding payment fees : To Whom it May Concern : Paying your bills on time is a must in America. What is foul is that you charge individuals after the XXXX of each month. The usual terms in a mortgage is that you must until the XXXX of each month to pay. It is the XX/XX/XXXX and XXXX XXXX applies that it's ok to charge people via the phone or the website. The only ways to avoid these charges ( $ XXXX- {$12.00} prior to the XXXX of each month ) is to do bill pay thru my Bank and or mail a check. This is not XXXX 's, its XX/XX/2018. The methods that are convenient for consumers and your company has a toll. Thats between $ XXXX- {$140.00} annually just because my loan was sold another loan company. As a consumer I have no power over who sells my loan. 
When I first used the phone payment, it takes two business days. Thru my Bank it's going to take 5 business days. I contacted LoanCare via phone and talked with XXXX XXXX XXXX. I communicated with her regarding the issue and she even told me that her loan ( Different Loan Company ) allows payment without extra fees prior to the XXXX. XXXX XXXX is an asset to your company because she explained the issue and it basically over her pay grade. I'm contacting the Consumer Financial Protection Bureau to voice the issues. Check what XXXX says about your website. Stop stealing from hard working Americans that understand the value of paying their bills on time. 

Regards, XXXX 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 2023-08-29
Company: Glass Mountain Capital, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed glass capitol mountain XXXX dollars. I called and agreed to settle the account and consider it paid and closed for XXXX dollars. I had them send an email saying so. I'm trying to fix my credit and waited for the credit bureaus to get the paid off debt and it said after 2 months that I still owed the rest of the XXXX dollars after I already settled for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am workinging with a lender on XXXX t nightI applied for a loan. By XXXX am XXXX I began receiving calls and texts from other lenders. I received XXXX calls and XXXX texts in one day. When I asked how they received my information they all said fro. trans union. 
I never had to sign up to use trans union it is an automatic punishment for needing credit in this world. I only have access to my own credit report once a year, I can't even get an accurate credit number. yet somehow they have a right to sell.my personal.information to anyone. if I could fire them I would but again I have no choice. This in itself is some sort of fraud but to then sell my information. They should be dismantled.

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 2019-07-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Paypal closed my account XX/XX/2018 and they said my money is blocked for 180 days. 

After 180 days i cant get my money back. It is only XXXX euros but its my money and they are no responding mails. By phone everytime they invent somthing. Amazing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: 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:
On XXXX I redeemed cashback I earned via XXXX for an American Express XXXX XXXX XXXX in the amount of {$4.00}. At first, I tried to use it at XXXX and it didn't work. So I decided to add it to my XXXXXXXX XXXX  and use the XXXX XXXX  method of payment at a local store and that didn't work. Today, on XXXX I tried to reload my XXXX account with this gift card and it didn't work. I also tried to add it to XXXX, but that wasn't allowed. This ordeal has wasted a significant amount of my time and I read on XXXX how lots of other users are having this same issue of trying to use American Express gift/reward cards.

Company response to consumer: Closed with explanation