BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: Carter-Young, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was evicted in XXXX for paying my rent late. It was at XXXX XXXX. Public housing. The time that I lived there the Apt had mildew and the XXXX did nothing about it. I was late on my rent XXXX  times. Each time they put an eviction notice on my door. The first XXXX I payed my rent and was allowed to pay. That is on my credit report. XXXXXXXX XXXX XXXXXXXX is the collection agency and the time has run out to collect. They just put it back on my credit report and I want it taken off. If I contact them it will start the process over. I left a XXXX XXXX abusive relationship to live in mildew. I didnt know until I went to court that I could have filed against her to take care of it. I used legal aid and they never told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CBC Companies, 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: Public record information inaccurate

Complaint:
The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court JP XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX XXXX XXXX, Innovis, XXXX XXXX. Case # XXXX XXXX County

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: BANCO POPULAR DE PUERTO RICO
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called into Popular Credit Services around XX/XX/2021 to cancel my XXXX XXXX credit card. The annual fee appeared on that monthly statement, and I no longer felt the card was worth the fee. When I called in, the representative assured me the card would be closed and annual fee credited. I had made a purchase in the amount of {$33.00} that was also on the statement, so I sent in the payment for {$33.00}, with the rest of the amount due ( {$59.00}, so XXXX = XXXX total on the statement ) to be credited due to canceling the card. 

After traveling for two weeks, I returned home to find two credit card statements and a notice of late payment, showing the {$59.00} was never credited and assumedly the account still open. Due to the apparent non-timely delivery of the statements, the current balance is purported to be {$59.00} + {$0.00} interest + $ {$29.00} late payment fee + {$0.00} interest. None of this is justified as the original {$59.00} should have been credited due to calling in to close the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: GA
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 sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a checking account with Navy credit union in XXXX. I gave the teller all of my information and she claimed the machine that issue the debit card was not working, she gave me a card with a number to call the company that issues the card which I did. After a week of not receiving the card I went to the bank and got another card. I later found out the {$5000.00} dollars that I deposited was depleted in one day around the city of XXXX  XXXX. The bank investigated and saw an older female using the card at ATMs. They questioned me as if l gave that person my ATM card, whom I did not know.The teller and I were the only people who knew the code # and my zip code. I also did not receive the card in the mail because it was already activated by the teller at the credit union. Even if I dont get my money back, I want others to be aware of employees at banks and giving them personal information to get into your accounts. This is my third attempt to retrieve my money, I also wrote an email to the CEO of the credit union. I have not heard anything back.Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Account status incorrect

Complaint:
I sent the consumer reporting agencies a letter asking them to investigate late payments on my XXXX XXXX account due to the incorrect, incomplete and inaccurate reporting. The agencies removed the inaccurate reporting and place a new late payment on my account. At the same time the new late payment was placed on the account the decrease also decreased. Its blatant that the account can not decrease in payment and also be late at the same time. Attached is the proof of this false information. There is also lots of increase to my balance throughout the months and I sent a letter of investigation regarding is this acceptable per the federal government, FCRA, TILA, FDCPA because this entire account has been full of inaccuracies and violations. Please remove this late payment as it is detrimental to my health and livelihood.

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 2021-04-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for an HSBC Premier Checking account on XX/XX/XXXX under a promotional offer whereby HSBC Bank promised to pay a welcome bonus for completing direct deposits. They are refusing to pay the bonus because they say I didn't apply by following a link that would make my account eligible. This is not true. I have followed all terms and conditions and the bank refuses to pay the bonus. See attached terms of the bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This information on my credit files is inaccurate and does not belong to me. My personal information was in XXXX, XXXX, and Experian data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over XXXX inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

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} Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over XXXX XXXX XXXX on my credit files and it has reach its limit and i would like it 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 explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and XXXX said I haven't paid the account in months. After speaking to various people at XXXX I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge XXXX reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called XXXX and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the XXXX 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to XXXX 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please have them remove the remark showing that my credit limit decreased and my score went down XXXX points. This is inaccurate information and please remove this asap. This information from XXXX XXXX XXXX XXXX is inaccurate and they made this error. Please remove this remark asap. 
Remove this ridiculous remark from Transunion 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 non-monetary relief
Consumer complaint received 2021-06-11
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My girlfriend used my Macys credit card to purchase some gifts for XXXX on XXXX XXXX XX/XX/XXXX XXXX. I did not like the clothes purchased, so I returned them to a Macy 's store in XXXX XXXX, Fl on XX/XX/XXXX ( jpeg of return from Macy 's website attached ). I received a credit of XXXX}. The return should have been credited to my Macy 's credit card and my next bill would reflect the credit and be accurate. I am on my Macy 's account and clearly see the return was processed and is on their own website ( attachment below ) But the credit card was never credited. I have my XXXX statement attached showing the purchases and then my XXXX statement showing no credit and no credit on any subsequent statement from XXXX through to XXXX. I first called about this issue in XXXX and told it was resolved and the returns would be credited to the credit card. In fact, I complained and said they owed me a gift card. They actually sent me an email with a promo card saying sorry in the email and so I thought the whole thing was done. Except I keep getting Macy 's Credit Card bills in the mail saying I owe money and they are charging me interest charges and late fees. This is going on my credit report while I'm in process of buying a home. Its incredible. I called again today XX/XX/XXXX to find out the problem and dealt with Citibank who manages the Macy 's Credit Card ... the representative says they have no record of the return or the credit for the return. I was transferred to Macy 's billing and credit and the representative said they had no record of any return. I made the rep stay on the phone as I told her I was reading right off the Macy 's website showing the return was posted right on my account!!! She lied to my face. She said without a record or a receipt should could not and would not help me. Macys has registered my return, but they refuse to credit the return to my Macy 's credit card therefore my credit card is racking up charges for something that I purchased and have returned. They refuse to help me.

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 2020-01-30
Company: Knight Adjustment Bureau
State: UT
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 XXXX # XXXX and Knight Adjustment #  XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Regardless of the multiple written requests, the INQUIRIES listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the INQUIRIES below in my file as they fraudulent 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 2023-07-09
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-08-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
We opened 3 CDs at San Francisco Federal Savings and Loan Association ( SFS & L ), two on XX/XX/XXXX and one on XX/XX/XXXX. We didn't do anything with them until XXXX, XXXX when we came across the bank books and tried to find out where the money is. The SFS & L has changed hands several times becoming XXXX XXXX, then XXXX XXXX, then XXXX, and is now owned by Citibank. We contacted Citibank, who claims no knowledge of our accounts.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 Fair Credit Reporting act this creditor has violated my rights under 15.USC. 16.81 section 602 states I have the right to privacy.

15 USC 16.81 section 604a section 2, states an credit agency can not furnish account information without my written instructions.

15 USC 1666b states that a creditor may not on an open credit card account treat a payment under an open consumer plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
hello, to whom it may concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I acknowledge receipt of your response to my complaint. I would like to thank you for the opportunity to address my concerns again regarding Law Offices of XXXX XXXX XXXX, XXXX. representing Mountain Land Collection. ( Debt collector ) on XX/XX/2021 I made initial communication to demand for this debt collector to cease all communication with me and remove false information On my consumer report, Notwithstanding they have furnished information without my consent. In the initial communication I requested the 5 method of verification under 15 usc 1692g ( a ) on XXXX i received statements from this debt collector after i have requested for them to fulfill these allegations. This company has failed to verify this information or provide me exhibits Accordingly. In their initial communication this unfair debt collector sent me symbols other than the debt collectors address which is a violation of 15 usc 1692f9 ( 8 ) I kindly ask this 3rd party to provide me how this review of this matter was confirmed accordingly. XXXX your internal policies where talking about federal violation laws your client has violated me.I did not ever give consent to this debt collector to communicate with me in the first places which is a violation under 15 usc 1692C ( a ) this office should know this law under the FDCPA since yall are regulated by them. However, in an effort to resolve this matter outside of litigation, im requesting a settlement offer. If the offer is not accepted I would be starting litigation proceeding immediately concerning my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 i noticed some questionable late payments on a closed account. The account also seemed to update monthly. To my understanding updating on a closed account manipulates the statute of limitations. Credit Bureaus are governed to furnish XXXX percent accuracy at all times and with this XXXX XXXX account on my credit report they have failed to maintain accurate records. The late payments you report are unproven. Please maintain XXXX percent accurate records or delete this 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 non-monetary relief
Consumer complaint received 2021-03-12
Company: ID Analytics, 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: Public record information inaccurate

Complaint:
The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX  Sage Stream, XXXX, XXXX XXXX. Case # XXXX XXXX County

Company response to consumer: Closed with explanation