BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A couple of months ago I called AA Advantage American Express Citi bank to close my card. We do not use American Airlines in favor of XXXX to the places we go and I didnt see the point in having two of the same cards. Current customer agreement is attached. 
When I called the customer service the customer rep said that under customer service agreement that I signed a couple of years ago it would take 30 days to close the account. I did not see any problem here as I cut up the card as I wouldnt be using it anymore. The following week I received a bill for {$99.00}. Calling customer service I was informed that this was the membership fee for the current year 2021. 
I told the girl that I thought it was ridiculous that I pay a fee that I wasnt going to use. I left the conversation thinking the issue was resolved. At the beginning of XXXX I got the same bill. Again after waiting the ten minutes to get a customer service rep. 
I again explained the above situation to her. She said it wasnt in her job to solve the problem but she had to transfer my call to another department. Again after waiting to get the customer service person she also told me she didnt have the power to solve my problem andI would have to be transferred to a third person. Again after being on hold I told the person up front that if she couldnt solve the problem and waive the fee I would be filing a complaint with the CONSUMER PROTECTION BUREAU. This complaint is the result of that call. 
I would like it noted that I can easily pay this charge. I dont feel the charge is fair because Citi Bank is perpetrating something short of fraud in not being honest with their customers. I did pay any outstanding balance before I closed the card. I also closed my XXXX Citi bank card that I have used regularly for the past 10 years. If you were to check my almost perfect credit rating you would find that I very seldom complain or send product back that I ordered.

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 2023-03-06
Company: CORELOGIC INC
State: TX
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:
I was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Great American Finance Co
State: MT
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:
In XX/XX/2022, a credit card/line of credit was opened in my name through an XXXX XXXX XXXX XXXX Maryland. The financial institution is Great American Finance XXXX XXXX XXXX. The amount spent was {$1600.00} and it has a {$3000.00} credit limit. 

On Thursday, XX/XX/2022, I received a bill from Great American Finance XXXX XXXX XXXX with a minimum balance to be paid of {$150.00} ( {$79.00} current and {$79.00} past due ) by XX/XX/2022. This was not me! 

I spoke to Great American Finance XXXX XXXX XXXX this morning, XX/XX/2022 and they told me to file a Fraud Report with the FTC, a police report, which I just did with the XXXX Police Department in Montana, and provide them with my ID and verification of my address. 

Could you please look into this? I am nervous because it was opened with my social security number and other identifying information and I'm worried other debt has or will be opened in my name. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: IL
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:
I have contact Equifax regarding inaccurate information on my Credit Report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are 4 mo. apart and on the same day. I never authorized XXXX to keep accessing my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are 10 mo. apart. I never authorized XXXX XXXX to access my credit file XXXX   XX/XX/XXXX I have no idea who this company is I never authorized XXXX to access my credit file XXXX  XXXX never authorized XXXX  XXXX to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX  XXXX. The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Account Number XXXX ( needs to be removed ) XXXX U.S. Code 1692e - False or misleading representations XXXX Account Number XXXX ( showing different account number not accurate ) XXXX5 U.S. Code 1692e - False or misleading representations XXXX XXXX ( identity theft ) Account Number XXXX ( please removed ) 15 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-03-27
Company: Experian Information Solutions Inc.
State: FL
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 Have Been A victim Of Identity Theft. I did Not Authorize nor give anyone Consent to open This Account this Account Has to be removed From My Credit. 
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 non-monetary relief
Consumer complaint received 2017-12-08
Company: EQUIFAX, INC.
State: DC
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 several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed errors on my credit report two times with transunion. Once on XX/XX/XXXX and again on XX/XX/XXXX. Each time I disputed that I had not made payments on this account ( I have been making payments since XX/XX/XXXX ). I also disputed that the account was still open not not paid off in full which it was XX/XX/XXXX. No action to remove the missed payments or to show that the account was closed occurred. When I called the transunion customer service line they did not assist me so that I could upload additional documentation. I was transferred multiple times, each time the new representative would pass me off to someone new. I have documentation showing that I've made payments since XX/XX/XXXX monthly until XX/XX/XXXX when the account was paid off. The original creditor was the U.S. Department of Agriculture as a government overpayment ( original amount {$7700.00} and they sent my account to collections thru XXXX I have been making all payments thru XXXX and on XX/XX/XXXX I paid off my debt with them. I just want to information to be updated so my credit can be an accurate reflection of what has occurred.

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 2020-03-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It's Experian Again! 


Today I received another E-Mail from Experian! with a new Alert! Stating that Because there was a new usage on one of my credit cards my score went DOWN! NOW remember this same Credit Score Company, last week told me that my Credit Usage was insufficient to raise my Credit score! So I charged an item on a credit card to increase my usage! Now they are showing on the report that my usage is 22 %! Then when you read down the page at my Credit card usage it adds up to 76 % usage! SO they lowered my Credit score again! What's wrong with these people? They tell you to charge so your score will go up! then you charge and your score goes down! Are we on the same wave length?? There is a Big Problem here with this Credit Bureau!

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 2020-03-27
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This loan was established in 2014 for 6 years. Every year I feel that no matter how hard I try to pay off this loan the loan amount never decreases. In addition the website shows 4 different amounts owed so it is impossible to understand where I am and impossible to devise a plan to pay it off when I sign into my account I see the following amounts due : 1.  Account Balance - XXXX 2. Amount Due - XXXX XXXX. When making the payment ( Outstanding ) XXXX XXXX. Payoff - XXXX Which one is correct? I feel this is a predatory loan as this loan applies unfair deceptive and abusive terms on borrowers and tries to make it impossible to ever completely pay this loan off. This has been going on to long. What are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I got behind on my mortgage payments due to my company placing me on a administrative leave of absence due to internal investigation due to no fault of mine and prior to this my hours had decreased due to COVID-19 at work bc my kids were having to do remote learning and I had no sitter for work. So I was already struggling to make payments and then I was unemployed until XX/XX/XXXX with only unemployment money being received. I inquired about the hardest hit fund but was told that it was closed and not accepting any more applications so finally in XXXX I was approved for forbearance for my mortgage after continued delays in the application process. I made my {$50.00} a month payment as directed for XXXX and XXXX and I was notified in XXXX that XXXX XXXX had transferred my loan to XXXX XXXX. Well today I get notification that I have a major delinquency on my credit report from XXXX XXXX and it states my mortgage is 120 days past due causing my credit score to decrease 27points in one day. I was told that as long as I was in forbearance and making my trial payments on time then my mortgage would not be reported as delinquent to the credit bureau. I attempted to reach out to XXXX XXXX but couldnt get issue resolved

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 2020-03-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a wells fargo account. XXXX  XXXX kept chagring my bank account and caused over draft fees. which lead to a a negative balance and they closed my bank account. Im waitin for my income tax return to come and all of this was out of my hands and now delayed for my paymemnt. I cant wait any longer for a check. They caused my count to get XXXX  up on charghes that i never agreed on. XXXX. {$40.00}, {$26.00}, multpe times. I spoke with XXXX  XXXX  telling them I never agreed on another yearly contract which tehy charged an annual fee. they said because of a back balance, they couldnt remove it. I said that ; 's ridiculuouas I'm a still unemployeed. I dont have a phone. My XXXX   wireless cell phone account and number are compromised with a bugged virus that wont go away which is part of the reason why Im not getting call backs from employers, friends, etc. as well as my identity-related data is compromised which stemmed from my XXXX University account. I've done everything on my end with no money trying to resolve these issues as everyone else justs sits there in pleasure as I'm unnecesarily going through this. It basically put me in poverty, XXXX, my vehicle being taken away, my accounts, cell phones, etc being hacked, abused, by my own family to control me, stop me from moving forward. i have no one else to go and reported it to FTC, IRS, all other sources to get as nothing is being done. My mail is being witherld by my family and what they're doing is illegal, geting away with because they have the funds to do it with some authority figures involved. I need help with this matter because I'm stuck and no one is helping me. Thank you. 

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 2020-03-27
Company: F.H. Cann & Associates, Inc.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX PM on their personal line

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched XX/XX/XXXX transaction date XX/XX/XXXX XXXX Permanet USAA CREDIT {$17.00}. See attatched XX/XX/XXXX Statement CONFIRMING XX/XX/XXXX ( ** {$17.00} PERANET XXXX XXXX REVERSED ). 
See attatched XX/XX/XXXX XXXX Permanet USAA CREDIT** {$25.00} See attatched ( XXXX XXXX, XXXX {$25.00} PERMANET USAA CREDIT REVERSED. ) See attatched XX/XX/XXXX XXXX PERANET USAA CREDIT transaction XX/XX/XXXX See attatched XX/XX/XXXX Statement ( XX/XX/XXXX ** {$15.00} USAA PERMANET CREDIT REVERSED ).??? WHY???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for and received a Bank of America XXXX XXXX card in XX/XX/2021 with a promotional offer of XXXX bonus miles if you spend {$1000.00} in the first 90 days. I spent and paid a total of {$1000.00} by the second month. When I called Bank of America this month they said I did not meet the required {$1000.00} because {$59.00} was a membership fee so I was short {$57.00} of the {$1000.00} and no points. In my view they need to be more open about the fees. Security fees, excise taxes, sales taxes all count. Please see letter attached from them, it states I did not I spend the {$1000.00} of which I have proof. No mention about the {$59.00} not counting. I do not know how many other consumers have been mislead by the promotional offer not stating OPENLY that the membership fee does not count towards the {$1000.00} total. I may have been mislead by this offer, but would hope that they state this in large print SO others do not make the same error in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made several attempts to dispute these accounts from Medical Data System after reaching out to them via a certified validation letter. During the dispute process and after sending a certified letter for debt validation and verification ownership and other requests. During this time, I asked and by rights communication and reporting should cease for the dispute period. Also, during this XXXX period, there were excessive calls from this company. These unfair credit reporting actions were taken before responding to my certified letter. These unfair practices are damaging my credit score and impeding my attempt to purchase a house and car.

For the reasons above, I went through XXXX directly explaining these unfair practices. As resolved The items were deleted. This company immediately reported these same items again, but this time duplicated each item. Notice the same amount reported as the original open date. Please see the below items that are currently on my Credit report with XXXX The company in In Violation XXXX question is MEDICAL DATA SYSTEMS INC XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX {$50.00} First reported XX/XX/XXXX XXXX XXXX Care {$50.00} Duplicate reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} First reported XX/XX/XXXX XXXX XXXX Care {$50.00} Duplicate reported XX/XX/XXXX {$86.00} First reported XX/XX/XXXX {$86.00} Duplicate reported XXXX time reporting after deleting XX/XX/XXXX {$150.00} First reported XX/XX/XXXX {$150.00} Duplicate reported A few examples of excessive and harassing calls See below. 
Voicemail Call log : XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time 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