BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A purchase was made at Macy 's for {$56.00} on XX/XX/2019. An online payment was made when the statement was received in XXXX, XXXX. When I had not seen the payment clear my bank, I called and was told no payment had been received. The online payment did not go through. I made a payment of {$560.00} on XXXX XXXX and was told the late fee would be dropped. The account given to the customer service evidently was missing the final number. The representative did not realize there were only 9 digits instead of 10. The bank of course could not process it. A {$27.00} returned check fee was added then when I called explained the fee was removed on XX/XX/2019. I paid for the original purchase of {$56.00} and the late fee and returned check fee were removed from my account by Macy 's. I then received a statement for {$31.00} when I should have had a XXXX  balance if all the charges they said they would remove were removed. 
I contacted Macy 's credit office and was told the charges would be removed. I continued to get statements with penalty and interested added. I continued to contact the credit office and was told again and again it would be removed. 

I finally contacted the central office and explained the list of promises not kept and that I owed Macy 's nothing. 
XXXX XXXX refused to accept the fact that I was promised by Macy staff that those charges would be removed. I now have a bill for {$230.00} for late fees and interest when an honest mistake of leaving off one number on my checking account was made and the costumer service representative consistently assured me the fees would be removed. For an honest mistake and the unkept promises of Macy customer representatives a XXXX  balance has now grown into a statement of {$230.00}.

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 explanation
Consumer complaint received 2023-08-24
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 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 explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NE
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:
Experian credit report # XXXX Experian I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below are reporting 100 % accurate. However, these accounts are still inaccurate, and Experian is still continuing to report errors on my credit file which is causing damage to my credit score. 

XXXXXXXX XXXX  account # XXXX inaccurate payment history, past due amount on Charge Off {$1200.00} XXXX XXXX  account # XXXX inaccurate payment history I have previously requested that you investigate this information and you have failed to correct these errors, you are reporting on my credit report NOW is not the time to update I demand that you immediately DELETE this information from 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 non-monetary relief
Consumer complaint received 2017-06-25
Company: Real Time Group, Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my home in XXXX. There was a first lien and second lien on my home. In XXXX I lost my job and could not pay the second loan. The second loan was XXXX and now it 's XXXX. After speaking with my mortgage company at that time ( XXXX ), who holds the collateral, I was told that I could not lose my home if I continued to pay the first loan. I have struggled to make my payments to keep from losing my home. It 's been 12 years and now Real Time Solutions sent me an eviction citation with intent to foreclose on my property. They are the second loan which the banks have already written this judgement off but yet they are coming after me. I have a court date to go before the judge, Thursday, XXXX XXXX, at XXXX XXXX. I need help! I have nowhere to go! So unfair. The original company for second loan was XXXX, acct # XXXX, then sold to RTS. XXXX XXXX XXXX holds the collateral, acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with Citi bank last month and my Account got locked and supposedly closed I sent XXXX everytime I call there costumer service they never help with the situation and always giving me another number to call I sent all my money there to last time I called I was told account would be closed and I would be sent a check now Im calling they say my account is just blocked I honestly just want my money so I can go back to my regular bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-20
Company: Central Portfolio Control Inc.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice via an alert from a credit monitoring service on XX/XX/2023, that negative information was added to my credit file. Upon checking my credit report dated XX/XX/2023, I encountered a collection account being reported from Central Portfolio Control. 

I have not had any communication with this company, and now they are reporting negative information on my credit file. 

The collection account indicates {$320.00} due, an open date of XX/XX/2023. It shows an original creditor as XXXX. Contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: LA
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 am so displeased with the way my information was used, I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point where I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-05-27
Company: Experian Information Solutions 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:
Despite providing Experian with the FTC identity theft report, involving XXXX XXXX XXXX ; this Consumer Reporting Agency fails to comply with the law. According to 15 USC 1681c-2 , a consumer reporting agency shall BLOCK the reporting of ANY information in the file of a consumer THAT THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - A copy of of an identity theft report. Experian was provided this identity theft report and still has not blocked this fraudulent 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
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$23000.00}.

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 explanation
Consumer complaint received 2018-10-26
Company: TIDEWATER FINANCE COMPANY, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I returned a phone call to Tidewater. I was advised my account was " under director approval '' for non-payment. The agent asked if I intended on making a payment to which I replied " Yes, I usually pay around the XXXX of the month ''. The agent replied " Actually last month you paid on the XXXX and the month prior the XXXX ''. While her intent was to argue, she actually affirmed my statement and also affirmed that I had indeed been making payments ; which Tidewater has accepted with no issue.

I again advised her I would be making a payment for {$320.00} plus a late fee on the XXXX. She then placed me on hold to speak to my " Account Manager ''. She returned advising Tidewater would not accept any payment unless it was made via Debit Card.

By doing so, Tidewater has violated consumer protections in regards to abuse/deceptive business practices. She also made a comment they do not accept check payments from me.

As my account clearly reflects, my payments are made via Online Banking Bill Pay through XXXX XXXX  XXXX. If my account is truly documented in such ways, why would Tidewater honor previous payments?

I was advised if I made a payment it would be returned and not honored unless I agreed to make a debit card payment through them. Further, I was advised my account would he escalated for non-payment even though I just offered to make a payment. For the record, all phone calls to and from my cell phone are recorded and retained for legal protection. Tidewater has been previously made aware of this and also records conversations on their end. This voids any recording notice that they feel they should be entitled to.

Tidewater charges for payments initiated through them regardless of the method used. Tidewater charges {$10.00} for all payments made regardless of amount. Tidewater 's business practices not only allow it to make substantial profit via this practice but also pass on added costs to consumers. This practice is clearly abusive and aimed at producing additional revenue. ACH payments cost lenders less than {$3.00} per transaction. This business practice is a ploy by Tidewater to take advantage of customers financial situation by offering sub prime lending products and charging unreasonable and unethical fees for such products in regards to servicing.

Tidewater also violated collection laws by contacting 2 parties that are not of any relation via blood or marriage to me about the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$670.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, MD  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; STUDENT LOAN XXXXXXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX STUDENT LOAN XXXX XXXX XXXX : {$31000.00} XXXX STUDENT LOAN XXXX XXXX Balance : {$44000.00} XXXX XXXX  XX/XX/2021. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX XXXX and 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 2023-02-24
Company: CITIBANK, N.A.
State: CA
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 have tried to communicate with Macys About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.

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