BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I contacted Macys to purchase a sofa and chaise. I called in online to speak with a representative after applying for credit through the website. A few things happened during that initial call. First, I confirmed with the sales agent, XXXX XXXX, that I would be receiving 20 % off of my purchase. She affirmed and said that the 20 % off would apply to the total purchase price of {$3000.00}. This did not happen and I was instead reimbursed only {$100.00} ( rather than {$610.00} ). Additionally, the wrong sofa was ordered. After numerous mishaps with delivery ( first delivery didnt happen because the item was damaged and refused, second delivery did not have the chaise, third delivery had the chaise in the wrong color, fourth delivery was accurate ), I was charged twice for the sofa portion of the order. This was a purchase totaling {$1300.00} with taxes and miscellaneous charges. My credit limit was raised manually back on XX/XX/XXXX ( which is why I had to call in originally ) to a total of {$3500.00}. By charging me twice for the sofa, I was put over my credit limit on XX/XX/XXXX and reported negatively to the credit bureau. 

When I received my first billing statement I noticed the overage on my account. I contacted Macys customer support ( Case # XXXX - XXXX ) and told them all of the details above. I was told that they would open a double charge dispute which will take up to XXXX billing cycles ( for a total of XXXX ) to resolve. I requested that the cease negatively reporting me to the credit bureaus and remove existing negative information and they refused stating they would not do so until the dispute was resolved. That said, I will now have upwards of XXXX total months of being over my limit despite not and the company refuses to correct this mistake. 

To summarize : Macys is incorrectly reporting me to the credit bureaus for being over my limit. Macys did not apply the correct discount to my initial purchase. Macys refuses to stop negative reporting and removing existing reporting until their arbitrary process to resolve my dispute is finalized.

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 2021-09-20
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 have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NY
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:
I hope this complaint reaches you with a sense of urgency and concern, as it reflects the continued frustration and disappointment I have experienced in my dealings with your credit bureau. I initially contacted your bureau in XX/XX/ to report a severe case of identity theft that has caused significant distress and hardship in my life. Despite providing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in resolving this matter. I am compelled to label your bureau 's response as a " nuisance '' because, despite numerous attempts to engage with your organization, I have not seen the progress or resolution that one would reasonably expect in a situation of this gravity. Please have these accounts DELETED : 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 explanation
Consumer complaint received 2023-07-19
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Bull City financial Solutions have placed an inquiry on my credit report stating that i owe debt from XX/XX/2023, i have never known this business or done business with them and theyre sharing my information illegally violating 15usc 6801

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filling this complaint against One Main Financial for various violations of my rights under the Fair Credit Reporting Act. 

I have reached out to One Main Financial several times to dispute the account information that they are furnishing to the credit bureaus. 

My last attempt to rectify the issues with One Main was addressed with the correspondence I have attached to this complaint sent on XX/XX/202. I sent a correspondence to One Main Financial by certified mail stating that I wanted to dispute the referenced account on the grounds of inaccurate information and inaccurate reporting of account history. With my letter I included two correspondences that I received from One Main Financial in regard to the balanced owed. I have two documents from One Main with two different amounts owed. I asked that One Main Financial conduct an investigation and provide to me all payment history along with the accounting methods and the accurate amount owed. If One Main is unable to provide such, I requested that the inaccurate account be deleted from my credit profiles.

Along with incorrect balance information, One Main also is providing inaccurate account history information to the credit reporting agencies. I have also address this issue with One Main as my this company continues to ignore my written requests.

One Main continues to ignore my requests for the requested information. One Main continues to violate my rights under the Fair Credit Act by not performing a reasonable investigation into my claims as I have provided proof with contradicting account information provided from One Main itself. One Main has also violated my rights under the FCRA for failure to notify the Credit Reporting Agencies that I disputed the debt with their company. One Main continues to certify to the Credit Reporting Agencies that the account information is accurate when I have provided proof of the inaccuracies and conflicting account information.

One Main has sent me several letters in which I have included with this complaint. The correspondences that were sent clearly show One Main failure to acknowledge my dispute, even though I provided sufficient proof in documentation.

As a rule, its illegal for One Main to report information that they know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) According to the FCRA, One Main can not, under any circumstances, report information that I, myself, the consumer has reported to One Main is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 XXXXXXXX, 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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 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 non-monetary relief
Consumer complaint received 2021-06-05
Company: Amsher Collection Services, Inc.
State: MD
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:
AM Sher collection agency improperly report my credit report to the credit agency. I have contacted the company four years ago. That was a part of my student loan that is not in a payment program. I was a student at the University XXXX XXXX  XXXX XXXX & took a federal loan. The financial aid office improperly reports to the collection agency & they agreed to remove it. I do not understand why they reported again to the credit bureau in XX/XX/2021. This collection agency is manipulated & falsified my account intentionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Fairway Independent Mortgage Corporation
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I was set up on a reverse mortgage in XXXX by a family friend that's works with refinancing on a reverse mortgage. I was supposed to receive a check for life at XXXX in XXXX that check stop.my son been helping me with the computer. Now I was told tonight by XXXX XXXX located in XXXX XXXX. Hey were supposed to email me the closing figures that's fairway independent mortgage paid they said they would make sure I got a check for XXXX plus XXXX and they paid off my fist Morgage at XXXX for XXXX, now this was supposed to be out of a check written to me for the amount XXXXnow later down the line i had XXXX sent to my bank account so we are plus XXXX in closing cost so now we are at XXXX .this whole time i been paying interest on this loan for XXXX my house is worth XXXX some were some one line there pocket from the XXXX.I am going out there tomorrow to get the original paper work i was never told that i was getting a check for XXXX .all i was told I would get a check for market price at the time XXXX was XXXX, XXXX " " " " " " " " " " i have flied for 4 other complaint 's i am not getting any younger at this rate they are living on my money one of the companies pocket my money. I work hard all my life just to give way my house i don't think so.I have their rules maintain the property paid the house insurance paid property tax XXXX XXXX XXXX XXXX XXXXXXXXI pay my bills on time and now that i found out tonight that i been paying interest on my loan that i never received in all case i am still owed XXXX that a big difference a veteran and this is how they treat a law biding citzen.please follow up on this this is big time h robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: CA
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:
See attached. 
According to the FCRA website, Willful FCRA violations : Legally speaking, a willful FCRA violation must have been committed knowingly and recklessly. Plaintiffs in these cases may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have provided all four necessary documents over four business days ago and still these reporting agencies have failed to uphold my rights as a consumer by deleting these accounts. These consumer reporting agencies are violating my rights every day over the 4 business days they are given by the law to resolve this alleged identity theft. As of today they are violating my rights for 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Santander Consumer USA Holdings Inc.
State: IN
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:
I leased a XXXX XXXX XXXX in XXXX of XXXX. I always made my payments on time throughout my lease. I traded my jeep in for another vehicle around end of XX/XX/XXXX. They received a check for balance of my loan and they received the title on or around XX/XX/XXXX. Since then, they have had my account as past due. I have contacted them several times, as I didn't want anything on my credit report. They stated that they had the check and it was pending and they shouldn't have anything on my credit report. I recently looked at my credit report, and there was a " 30 day late payment '' on my report from them, in which my credit score dropped over 30 points. I contacted them and they put my complaint through accounting. They told me to give them 5 to 7 business days so they can take care of it. This was on XXXX XXXX. I checked my credit report on XX/XX/XXXX, and the derogatory mark was still on my credit report. I called them again, and they informed me that they didn't report it as late payment. They told me my account was cleared and they reported " on time payment ". I asked them to remove that credit reporting error, and they informed me that they couldn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My Kohls credit card was converted over to a XXXX card that I did not approve or request. This was done by Capital One and I know these banks are trying to save their tails by issuing this XXXX card down our throats. We have a right to choose this not forced. I have to pre approve it. Im angry they did this. They arrogantly said I couldnt do anything about it and for me to open another Kohls credit card if I want. I have a balance on my Kohls card and now have to open another Kohls card? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX of XXXX we opened our Synchrony Care Credit Card account with 0 % interest payments through our XXXXXXXX XXXX office for XXXX for me. Our payments were XXXX XXXXXXXX. We paid {$150.00} every month interest free until it was paid off. As far as I am aware, there was no specific timeframe in which a balance had to be paid off. On XX/XX/XXXX, we put another round of XXXX, this time for my daughter, on the card for {$3400.00} and have been paying XXXX XXXX   monthly. 

I never received mail statements from Care Credit. I never received email statements from Care Credit. Periodically, I would receive an email that payment has been received and what my balance was. I used the same credit card from XXXX for the XXXX purchase. Over the course of that period, I was issued a new credit card that had a different number on it. I was not notified that the 0 % interest would run out at the end of 24 months and that I would be back-charged the interest if I didn't pay off my balance. In XXXX, my balance due was {$840.00}. If I had known that I would then be charged interest, I would have paid the final balance of {$840.00}. In XXXX, I received a bill for {$2300.00}! They charged me {$1600.00} in accumulated interest with NO WARNING. This is a SCAM. Because I have automatic payments set up and we were on vacation, I did not review the statement until this month as I thought I had everything covered. My bill is now up to {$2300.00}!

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 monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 states a consumer reporting agency can not furning an account without my written instruction.

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 2023-05-11
Company: EQUIFAX, INC.
State: MO
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:
I Submitted to have this duplicate remove showing twice on my credit report VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXXXXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX  XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX XXXX, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX  owned his account. Unfortunately, XXXX  can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my 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