BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This is a followup complaint to my previous two complaints, # XXXX and # XXXX against Equifax XXXX XXXX  and customer.care@equifax.com., which are part of the Equifax credit-monitoring services. In my previous complaints, I had complained that I could not access my supposed XXXX XXXX account because I had not been provided with the means to create a password nor had XXXX XXXX, Equifax, provide me with a password. 
I had tried numerous times to remedy this situation with XXXX XXXX, customer.care@equifax.com, and Equifax by signing in to their sign-up site, calling them with the their stated telephone numbers, and e-mailing them. I tried again this weekend -- XX/XX/XXXX and XX/XX/2018. All of my efforts were of no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello I have been subjected to ongoing harassment by Macy 's credit card division since at least XX/XX/2019. Their latest action is what prompted me to file this complaint. 

On XX/XX/XXXX I spoke with Citibank which apparently handles debt collection for Macy 's, or at least that's what they claimed in a letter signed by XXXX XXXX SVP at Citibank. Their representative offered me to enter into the settlement of the debt. I attached the letter from Mr XXXX with this complaint. According to the letter once I paid {$110.00}, I won't owe anything to Macy 's.

However, today I got a letter from Macy 's demanding that I pay them {$140.00}. The letter is also attached with this complaint. Amusingly, the letter mentions that I'm enrolled in a settlement agreement, and in the summary of activity also shows that I already paid them settled amount {$110.00}!

I am planning to sue the Macy 's in small claim court for their brazen harassment, but wanted to bring your attention to their practices. 

thank you, 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 2019-05-14
Company: Reliable Credit Association, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I leased a car and obtained a loan through Reliable Credit. 
I believe the lease amount was {$6000.00}. 
My car was repossessed at my place of employment about 5 months after purchase. I missed a payment of {$290.00} and was unable to make payment arrangements with the company. 
The car was repossessed and sold but my balance left owing was {$4400.00}. They never informed me of the profit amount they made on the car and it looks like the car was sold completely under value leaving me with a balance. Ive tried to dispute this amount and Ive sent numerous letters requesting that they send me information on the loan and the sell and still have not received anything. 

Within the last year or two Ive contacted their company more than 5 times requesting information and all theyve done is report back to the credit bureaus that the information they have on file is accurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Professional Recovery Management
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  is not a licensed collection agency in the state of Louisiana which is where I reside. The state of Louisiana requires that collection agencies be licensed to collect any debt they claim is owed to them. They currently have multiple accounts listed on my credit report with each of the credit bureaus and I would like those accounts removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with TD Bank and was approved at an interest rate of 14.9 percent. I current have a loan with them at 10.99 which is getting paid off with my new loan. I asked why the interest rate would be higher and was told its because my credit score is XXXX. I asked where they get their scores from and was told they pull from XXXX. I actually have an account with XXXX so I pulled my score directly from them which is a XXXX. I sent this to TD bank and was first told this was probably a XXXX XXXX score. I advised them to look at my email again and they will see it came directly from XXXX. At this point I was told they use a module system which had me scored at XXXX. I explained that this odd to me that they claim to use scores directly from the credit bureau but now they are telling me about this module system. As a long time customer of the bank who has always paid my accounts on time without issue, I find it highly concerning and deceptive to alter credit scores that come directly from the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXXXXX and XXXX XXXX on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.

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 2020-12-07
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Dear CFPB, Synchrony bank is defrauding its customers by embezzling their payments. They closed my account XXXX  months ago but never returned my payment which resulted in a negative balance at account disclosure. Not only they try to steal customer 's rewards points, they also try to outrightly steal customer 's payment/money. Please investigate this shady bank.

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Transunion to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. 



Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. 

The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. 

I have never opened any of these.

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 2020-12-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over the years, Ive been a victim of identity theft and/or fraudulent activity with the use of Debit cards, medical, and more. I have been disputing this item on my report from ARS resolutions. The debt is {$1800.00}. I am not aware of this debt which was supposed to take place in XXXX of XXXX. It showed up on my credit report XX/XX/XXXX. Ive been disputing this item and XXXX have not removed it. It it not accurate. I also filed a complaint with a Florida police department via online just to show proof that I did take the proper steps to get this resolved. I am currently fixing my credit and this is not helping. Please remove immediately. Thanks

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 2018-12-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called Navient on several occasions asking for All of my Monthly statements, but I have not received them. 
Since I didnt receive the statements I got a new loan through XXXX ( not knowing they were owned by Navient ). 
I am looking specifically to : late payments applied, misapplied payments, interest rate offered through XXXX at time of loan acceptance. 
I am No longer able to login to Navient to view my specific past monthly loan history. 
I believe the company has also changed the billing statements to be more confusing to the borrower. Originally, the balance would be listed after each payment, this was changed over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I bought a ticket from XXXX with my Arrival plus Barkclaycard on XX/XX/2017 traveling to XXXX XXXX XXXX XXXX, the ticket cost was about XXXX dollars. When I call Barclay to redeem my miles they are saying that my miles are no good because I was suppose to redeem them when my flight was completed ( meaning after 90 days only. ) How will I redeem the miles after 90 days if my flight was on XX/XX/3017? 
Now Barclay is not allowing me to use my rewards and they want me to receive a lower amount in money which reduces the value of my points. Previously they allowed me to use my points and now they are not. Barkclay is been disrespectful and is giving me a big problem. I feel that they are taking me for granted. I have been with them for about three years and have a great payment history. Previously I recommended them to several members of my family and friends however now I am in schock with the way they are behaving. I look forward to your response.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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 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 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 2023-08-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is trying to collect a debt on behalf of XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  are saying I owe rent which is not true. I am on XXXX  XXXX. I always paid my portion of rent and XXXX XXXX XXXX XXXX is responsible for the rest. I moved out XX/XX/XXXX  and any rent and cleaning fee was taken out of my deposit. XXXX XXXX XXXX XXXX reversed rent for XXXX due to my lease ending and I no longer lived there. The account is not owed by me nor is it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX Sallie mae/Navients normal web page was down as far as making payments, and so the site redirected me to a seprate page, I made the payment, but apparently entered in an incorrect number for my account. I realized the mistakes days later when i saw no change in my balance. In realizing the potential problem I called to ask for verification that the payment went through, they told me they will put in a request and then never got back to me. 

Weeks later they call me with one of their automated systems telling me I was being sent to collections for not paying the amount due. At that moment i explain to them my having called previous to ask about it and then paid for both that month and XX/XX/XXXX. 

During XXXX XXXX weekend of XX/XX/XXXX, i recieved atleast 3 calls from sallie mae/navient to tell me my loan payment for the prievious month is late for somewhere between 200-400 dollars. This Automated system did this through the weekend even though when you go through the process during at that time there is no one at debt collection. Meaning every time I was xalled through that weekend it was just to burdun me and leave me feeling harassed! It wasn't till the week after that i was able to reach someone. And in trying to explain my situation to the operator on the phone, she was somewhat grough with me as i tried to explain the money was inappropiately allocated, and acted as if the issue was my fault. It took a second phone call to get someone to actually listen and see what their system did! 

During this time they also inconvenienced and harassed my Grandmother and Aunt who where my co-signers. 

When I called to ask about taking them off as co-signers they told me I would need to be in good standing of paying my loan for 2 years for that to happen, but at that time without the incident at hand that would have been the case. 

I have also had issue with there conduct as far as changing my loan payment schedule. Last year the loan payment due was well over 50 % of my monthly income, and in asking to lower it, they tell me I had no available opinions, and on one specific call to ask for assistance my call was dropped no less than 4 times, and sent to collections 3 times even though my account was upto date. And finally when I did get to finally talk to someone who actually took the time to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was informed by a letter in the mail in XX/XX/XXXX that a XXXX Credit Card was issued in my name. I called into petland and let them know that there was a mistake as Ive never opened a credit card with any store and never would. I gave them my information such as my address, phone number etc and none of my information matched what they had on file for me. The woman I spoke to was part of the fraud department and she assured me that she would close the account and mark it as fraudulent. Ever since I spoke with this woman back in XXXX XXXX now has my up to date information that I provided them with and they are trying to make me pay for an account that does not belong to me. They tell me that the information they have matches up to me but that is not true because the only reason they have my information is because I willingly gave it to them so they could contact me after closing the account and marking it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b  ) to request Transunion to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. 



Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. 

The accounts are XXXX XXXXXXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. 

I have never opened any of these.

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 2019-09-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX I am having issue with a freeze block on my credit that I did not request!! Please remove it at once. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX my SS is XX/XX/XXXX.I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX XXXX Experian, XXXXXXXX. I am in the process of buying a home and I need access to my files asap. This is a very frustrating.

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