BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 I received a text message from Equifax stating a freeze has been placed on my credit report with a confirmation number XXXX. I contacted them and they stated there was no freeze on my report, a few months later I applied for a loan and was denied because there was a freeze on my Equifax report and they were unable to get my score. I contacted Equifax again and they took me through the verification questions they did whatever on their end and told me it would be fixed in 3 days to no prevail. My credit karma app stopped showing my Equifax score in XX/XX/2021. I have contacted Equifax at least XXXX times and I still can not get my credit report and I was denied again for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Fraudulent Charge Details : XX/XX/2021 - XXXX - XXXX XXXX XXXX / Reference # XXXX / Posted on XX/XX/2021 for an amount of {$59.00}. 
There was a fraudulent charge posted to my XXXX  XXXX 's Visa credit card account which is managed by Bank Of America. After I had noticed the charge on my online statement, I had notified the bank of such. 
I have had this fraudulent charge opened and " investigated '' now seven times without proper resolution as each time it has been denied without any explanation or detail as to why.

I have requested from the bank for information and documentation about the charge, the order, and the merchant seven times without it never once being provided. 
The bank representative on the phone was never able to tell me any details of the merchant, I never receive a phone call from a supervisor about the merchant, and I have never received any detailed paper documents of the merchant or the charge/order. Each time, the representative says that they have submitted for the documentation to be mailed to me or a supervisor to call me, but no response ever comes. The bank once claimed to have a package with a USPS tracking number, but has not provided the number nor what the order or the contents were supposed to be. 
To be clear, as I had told the bank, I did not place nor authorize any such order and I have not a clue what it is supposed to entail. I have not received any such kind of package/order and have no documents of such. I do not even have a XXXX account nor do I do any business with them on any sort of regular basis and I certainly do not know who or what XXXX XXXX is. I truly do believe this charge to be some sort of scam and I am completely frustrated with the bank for not giving the claim its due diligence or proper communication to me. 
As such, I have no information or details of the charge, order, or merchant other than what has been posted to my account which has been provided above this writing. 
This charge has been in on-going dispute since around that time and the most recent denial letter was posted to me on XX/XX/2021, received on XX/XX/2021. As I am not able to have any effective communication or resolution with the bank, I am reaching out to you, the CFPB, for help and I thank you in advance for any and all help you can provide.

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 2020-05-07
Company: CITIBANK, N.A.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX i had a dispute with Bestbuy. 
I tried to get in touch with them for about a month. E-mails calls letter to supervisor by mail. Because i had no luck with contacting them! I called Citibank the bank the card is with .... 
In XXXX Citibank listed this dispute with all 3 credit bureaus ... .I called an spoke to XXXX XXXX supervisor she said shes was going to see what shes could do. Not very helpful .... the account has a XXXX  balance but I cant get Citibank to remove it!!! Im trying to re-fiance because of this virus times are really tough ... But because these dispute are on my reports i can not make the loan until they are removed ... shame on Citibank for doing this at this difficult time. This has caused a lot of Stress Iv written letter e-mails called many many time only to be disconnected. 
Please help I need this loan .. 
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 2021-09-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The month of XXXX my promotional period for three items came to an end and they told me I had 30 days to make the payment of {$2800.00} to have the interest reversed I made the payment at the end of XXXX and Ive been calling them for one month to get my credit interest of {$1400.00} which I was charged due to the promotional period ending. As of today XX/XX/21 they tell me the amount that I paid which was the XXXX was the wrong amount they gave me. I made over 5 phone call in the month of XXXX and no one said this to me until today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22
Company: EQUIFAX, 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 disputed it with XXXX  and they are still reporting the information is correct. Someone used my information. I have no recollection of this account and it is killing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: IA
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:
My daughter booked a hotel for XXXX XXXX in XXXX XXXX on XXXX XXXX, XXXX. When my credit card statement arrived I had a charge for {$2200.00} to XXXX XXXX XXXX XXXX. I had no idea that was the charge for XXXX so I had a different daughter help me put that charge in dispute with Citibank. Later that day I realized that it was a legitimate charge and contacted Citi Card to  take the charge out of dispute, so they charged me back for the {$2200.00}. On XX/XX/XXXX when we arrived at the hotel, we were told we had no reservation, that the room had been canceled by XXXX when we put the card in dispute. My daughter, XXXX, who has been trying to help me get the money credited back to my account has made many calls to Citi and hasn't been able to get a straight answer on how to get the money credited back. She contacted them originally on XX/XX/XXXX and made many calls since, but because of the covid virus, now can not get through to anyone.

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 2021-09-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, I spoke to the leasing agent of the apartments I was living in at the time about needing to move out of the city due to certain personal reasons. In XXXX and XXXX of XXXX, the owed debts were reflected on my credit report. As the statute of limitations in Texas for debt collections ( not considered mortgage debt ) is a maximum of 4 years, I have disputed said debts with the reporting credit agency. However, my disputes were resolved and resulted in the debts continuously being reported on almost 7 from the date of my first delinquent payment. I also would like to highlight section XXXX of the Texas Property Code which states that debt is owed only until a replacement tenant is found. Though I lack proof of any leasing tenants after my move out date, with the entity being located in a prime real estate market ( XXXX XXXX County - XXXX, TX ), I feel that it is more likely than not that the unit has held subsequent tenants. 
Thank you for your time and help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank will be closing my account that I have never missed a payment on due to a Macys account that had to closed because I went on XXXX XXXX early during the Fall of 2018 and fell behind. I did my part and called Macys and was told I could get on an auto draft payment plan until balance is paid off. I had no idea that Macys was under Citibank. Macys statements do not indicate that they are under Citis umbrella. Citibank emailed me that my Citibank credit card would not be reissued because of a payment plan I had. The letter doesnt specify what account and I only have one Citibank credit card. I called customer service and talked to 3 people and they couldnt tell me account was on a payment plan and that they couldnt do anything. Mind you I have never missed any payments with Citibank.I had to ask for a supervisor and he couldnt tell me either then he mentioned that they have several umbrellas such as Home Depot and Best Buy. I had to go over what store credit accounts I have with the supervisor in order to find out it was my Macys account that is effecting my Citi card. Citi does not equip their reps with the info they need to assist their credit card consumers. Yet even though I have not missed any payments on either account and have paid on time Citi fails to care about their customers that pay on time. I practically spent my income tax return on making big payments on my accounts to work on my credit score and finally got it up to XXXX because I am trying to open my own XXXX. Once Citibank closes my account my score will drop again. This is unfair and a waste of money if Well paying consumers receive the same consequences as if they delinquent. Please help. Im just a single parent of XXXX  trying to make it on own my own and be financially responsible and stable to provide for my kids. This is not the time to penalize consumers during this pandemic. Like everyone else I have not been able to work and I still made sure that I paid both my Macys and Citi credit card and this is the way Citibank treats their loyal paying customers. I have attached my Citibank payment history and my auto draft history to Macys from my banks app along with Citibank letter. 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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$24000.00} 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 2020-08-03
Company: CAINE & WEINER COMPANY, 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:
Caine & Weiner is reporting an erroneous debt on my credit file that I do not owe. This is for an insurance company that I switched out of but called and paid in full before doing so I called directly to the original creditor to pay the balance and I was under the impression that I took care of it. There shouldn't be a balance and this account should of never gone to collections. I was never made of aware of a balance. I never received calls, letters, or collection notices which is a violation of my 30 day right to dispute for this account that shouldn't even be in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.

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 2020-08-03
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Iam trying to connect my pnc bank with my XXXX XXXX & XXXX but its saying it wont connect due to changes with pnc prevents you from linking accounts .. my Name Is XXXX XXXX please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXXXXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX XXXX responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was a car loan that was taken out by me and miss XXXX XXXX and she turn the car in and when they sold the car they never try to reachout to her and only went after me in the process and when I asked for verification of debt the paperwork was not the original paperwork it was a whole different company and then they did not want to fix it and they have been garnishing my pay check for the last at least 2 years with no real proof

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 2019-02-11
Company: Specialized Loan Servicing Holdings LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A previous complaint was lodged against Specialized Loan Servicing, and now another problem has come up. 

About 2 weeks ago I received a letter from the servicing company stating they were increasing my escrow payments by more that {$200.00} a month, and their own figures on the document did not show a need to increase the escrow payments Since I am required by my home insurer to pay the annual insurance in XXXX myself and that they will not accept the servicing company 's payment.

I phoned and spoke to a customer service person with the servicing company and they said I could not speak to the escrow department and they would send them a message that I have to pay the home insurance myself in XXXX, and to figure that into new monthly escrow payments ; last week I received a letter from them stating I could not eliminate my escrow account, which I did not ask to do! 

I called and spoke to another customer service person and was told that is their final answer, and that even if the home insurer requires me to personally pay the annual policy, that they would require me to make the increased payments into my escrow account, adding more than and excess of {$2400.00} in my escrow balance that they would just leave in my account and not refund to me for the foreseeable future, which is against the law. 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT 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 2021-09-09
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX was added to my credit report as my employer. This is incorrect reporting and i want this removed immediately. I do not work for 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