BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX my Macey s American express account is XXXX last four of social XXXX date of birth XXXX XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX my complaint is that I'm trying to get a emergency increase on my card to XXXX or XXXX XXXX limit from my XXXX limit reason is that my furniture and items were damaged in a flood. Can you please ask the wonderful people at maceys if they can increased my limit to a higher amount 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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-24
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX, have noticed that there is information on my consumer report that is a result of identity theft. I did not authorize nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on a basis of a material misrepresentation of fact by me relevant to the request to block then identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date oof the receipt of this notice. I look forward to your response. 

Thank you! 
Sincerely, 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 2023-09-22
Company: Global Lending Services LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2023 - I called Global Lending Services to request my due date to be changed as their website states I can do. I was advised that since the statement has already been generated XX/XX/2023 I couldn't change the due date and I would have to make the payment that is due on XX/XX/2023 or I would be assessed a late fee of 5 % of the payment. Their website states a payment date change can be requested once per life of loan as long as first contractual payment minimum has been made, which I have furfilled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There appears to be a resolution miscommunication between Consumer Financial Protection Bureau ( CFPB ) and Nationstar regarding my complaint ( case # XXXX ). In the email I received from CFPB today ( XXXX XXXX ), you indicate Nationstar has provided a partial response to the aforementioned complaint with steps taken so far to address my issue and I should hear from them within XXXX days. After viewing the response, Nationstar indicates they will respond within XXXX days from the date of the letter ( XXXX XXXX, XXXX ). The company 's response does not identify any steps taken as per your message when the path identified in your Auto-Response section is clicked. You are directed back to the 'Complaint List ' without any additional information. Nationstar has a designated time-frame in which to respond and make corrections to this problem as per CFPB regulations. Your email states within XXXX days and Nationstar states within XXXX days - which is it? Nationstar also sent a letter which arrived at my residence today ( XXXX XXXX ) and dated XXXX XXXX, XXXX indicating they would respond no later than XXXX XXXX, XXXX. I am terribly confused and wondering why there are so many mixed messages regarding resolution. Since there are mixed messages regarding the complaint, I would like to change the dates in my original submission indicated in the 'What happened ' section - XXXX XXXX should be XXXX. Also, in the 'Desired Resolution ' section, the XXXX and XXXX XXXX should be XXXX and XXXX XXXX. The mistake made was a typographical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/23 submitted a dispute to remove or show that my XXXX student loan was paid in full. Experian told me that my dispute did not specify what I wanted them to do so I had to submit another one. I also submitted verification of the debt being paid in full which I had a letter from Department of Education detailing this back in XX/XX/2023. I submitted another dispute in XX/XX/XXXX which again verification was submitted. I contacted experian today ( XX/XX/23 ). I was told that documentation was never submitted to verify that my loan was paid in full by the first agent. I requested to be sent to another agent to reprocess the dispute. I spoke with this other agent who was able to see the documents that were uploaded prior but did not provide a reason why it was not sent before. 
In the mix of everything I had already spoke with XXXX approximately 2 weeks prior and I was told that the credit bureaus would be notified by XX/XX/2023 that the debt was paid in full. XXXX and XXXX have already sent me letters last week confirming that the debt has been paid in full but for some reason Experian has not. I do not appreciate the way this has been handled by Experian

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 2021-04-16
Company: CNG HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from XXXX XXXX XXXX XXXX around XXXX XXXX 2020. He told me his company had one of my debts for Tempoe LLC for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ 50/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone repeatedly hacked into our pnc checking and savings accounts and drained thousands of dollars. We had alerts turned on and never received any about these Transact! We immediately contacted pnc and spent hours filing disputes all of which pnc summarily DENIED without any questions to us or requests for additional information or any communication at all and then they closed our accounts that we have had for over 10 years with them without any notice whatsoever and refuse to even give us the balances that remained in the accounts. We have offered them proof from XXXX that my husbands phone was hacked and that is how they gained access and they wouldn't even review the extra documents simply stated their investigation was final and that we were out over {$10000.00} ( plus fees and harm to credit AND We are in the middle of buying a house and this has made our loan almost impossible and much more expensive because of their refusal to treat this as fraudulent like it is. A police report was files and sent to them and they werre notified of each transaction within 24 hours of it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX from the family of XXXX. I am a living man, coming with clean hands to state these herein facts without any influence from any third party or agency. He who comes into equity must come with clean hands.-Maxim of equity. XXXX scribing this for the benefit of the beneficiary of the created trust ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ( Equity wiLl not suffer a wrong to be without a remedy.-Maxim of Equity ). Now knowing where I stand Im invoking such is law It is ignorance of the law when we do not know our own rights.XXXX XXXXXXXX XXXX XXXXXXXX. Not once do I recall the bank who claims are the creditor ever having consent from the XXXX to even have dealings with me. How could I know if the said arrangement was INJURIOUS to the XXXX? The companies ( EXPERIAN XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ) have taken the liberty of reporting wrongs & requesting payment for something thats been discharged per the INTERNAL REVENUE SERVICE ( Equity acts in personam-Maxim of Equity ). See attachment supplied so with that being said justice has to be served XXXX follows the law.- XXXX of 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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts blow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX Service/ XXXX # XXXX Service/ XXXX. # XXXX Line of XXXX/ XXXX # XXXX XXXX XXXX # XXXX XXXX/ XXXX # XXXX Service. 
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. 15 U.S.C 1681c. ( aX5 ) Section : no comsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX  Account name : XXXX XXXX Date : XXXX XXXX. Account name : XXXX Date : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-04-20
Company: Millco Management
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
What AmeriFinancial/24 On Physicians is doing is, taking a legitimate bill and are changing the account numbers by one digit or the dollar amount by a dollar or so and resubmitting them to the credit bureaus. They will keep getting around it by changing the amounts or account numbers. 

I wake up every day and see that my disputes are successful but they turn around and change the numbers and/or amount and they pop back up again. 

The last number on the account number is an X so I dont think theyre accurate since both collection agencies are doing this. 
As you can see on the screenshots, they have a {$150.00} account and a {$55.00} account. BOTH OF THESE ARE THE SAME BUT DIFFERENT AMOUNTS. Its made to look like I have 2 accounts in collections with them when I dont. 

MY ATTORNEY HAS CONTACTED THEM AS WELL AS THE ORIGINAL CREDITOR BUT THEY CONTINUE TO HARASS ME AND DAMAGE MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: In progress
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
it has been over a month i sent transunion a dispute for some information on my credit that should never have been there. I even called to followed up and was advised my dispute would not be processed.

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