BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This was a credit card which was opened and used fraudulently and when I reported this to Macys they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CITIBANK, N.A.
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:
( 1 ) I have been a card member with Citicards for more than 30 years. 
( 2 ) In the past year, I have reported to Citicards that I had not been receiving monthly statements. Since then, they have been notifying me when my statement was online, so I have been viewing my account and paying my monthly amounts on the Citicard website. 
( 3 ) On evening of XX/XX/XXXX I went on the Citicard website and made a payment of {$40.00} ( 4 ) Citibank then sent me a confirmation of that payment headlined " You're All Set '' confirming values " Before Payment '' and " After Payment '' ( attached - see " After Payment '' amounts ) ( 5 ) Shortly thereafter I went to the Citicard website and saw numbers much greater than the " You're All Set '' values shown as " After Payment ''. 
( 6 ) I got the run around when I called Citicard Customer Service on XXXX XXXX, XXXX ( 7 ) Following that call, I wrote my letter dated XXXX XXXX, XXXX to Citicards ( attached ) ( 8 ) That letter was sent via USPS Priority Mail on XXXX XXXX, XXXX. 
( 9 ) That letter to Citicards was verified by USPS as " delivered '' to Citicards on XX/XX/XXXX @ XXXX ( see attached USPS Confirmation of Delivery ) ( 10 ) I called Citicards today ( XXXX XXXX, XXXX ) to get an update. The Citicard representative, XXXX, stated that they had not received my mail, had no email address where I could send a duplicate and no fax number that would be received in a timely manner. 
( 11 ) After speaking with her supervisor, XXXX stated they would not correct my account back to the {$0.00} Minimum Payment Due and {$1500.00} Current Balance as shown on the " You're All Set '' page. 
( 12 ) A screen shot of the XX/XX/XXXX Citicards website verifies the inflated amounts, well above the " After Payment '' values with no transactions made by me during that period!

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 2023-01-18
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
the middle class debit card i received was already used.everytime and everyday for the past 3 weeks i been calling everyday to speak with a representative about my fraud account and i wait for hrs and when someone answers i get rerouted to another call and then it hangs up..i need help solving this issue..i been calling both numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: WA
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: Problem getting your free annual credit report

Complaint:
XX/XX/2020 Attempted to get credit report : failed with " Sorry, we are experiencing technical difficulties. '' XX/XX/2020 Attempted to get credit report : failed with " Sorry, we are experiencing technical difficulties. '' Experian makes it difficult to get my credit report and impossible to get my credit report online.

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 2018-05-13
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows Chase Opened XX/XX/XXXX Closed XX/XX/XXXX Chase opened XX/XX/XXXX closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
I had XXXX  XXXX XXXX student checking account long time back and it is already closed in XX/XX/XXXX. I recently tried to open an online checking account and it is showing negative information about my previous XXXX  XXXX XXXX Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: TX
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 have two collections from XXXX on my credit report that I am not familiar with, I have disputed these collections multiple times asking for verification from the credit bureaus and they have failed to verify these accounts. 

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 2019-08-13
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: Information belongs to someone else

Complaint:
I see a hard inquiry in my Equifax credit report made by XXXX which i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Madam or Sir, XXXX, Experian, and XXXX are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, XXXX, Experian and XXXX. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )

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 2020-02-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our Lakeview Loan Servicing LLC have failed to pay our XX/XX/XXXX W Taxes from escrow account. I have made several attempts to contact them to resolve this matter with absolutely NO response. I have been calling and have requested management and/or supervisor assistance to no avail! Not even a call back or reply to an email or post on social media. I have been placed on hold over days and weeks for hours and no representatives pick up. 
We have received a notice from our City about the delinquency and tried to resolve with our services with not so much as a concern. We pay our loan on time and they should be held responsible for not paying our taxes on time. 
We need help to get someone to rectify this issue immediately as this company does not and can not provide sevice to their customers. We did not get to chose this service provider, as our VA loan was sold to them. This company should be shut down for operating insuch an irresponsible capacity!!

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 2023-05-22
Company: EQUIFAX, 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:
Credit Karma and XXXX continues to report false and fraudulent accounts on the consumer credit report. They continue to not verify the information that was passed to them without consent and has also gave my private source data information to third parties a that i have never done any business with. I never gave consent for my private source data information to be shared with XXXX XXXX nor have any contracts with XXXX. I have filed a complaint with the fTC as well as the SEC and it has been longer than 90 days they still continue to violate federal codes. Reporting false information and transactions that are not consumer credit transaction. XXXX funding continues to try to contact me after a cease and desist has been sent through certified mail and still have not produced the contract they allege they have not any documentation showing I went into a consumer credit contract with them. This company continues a to breach my trust contract by using my private source data information without consent or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can not get them to remove my fraud alert. 
I would like for them to REMOVE the fraud alert from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX Card will not allow sign ups from XXXX ( .ca ) e-mail addresses This amounts to discrimination based on country or origin. Changing my XXXX ID is not a reasonable option because so many other things are based on this ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Madam or Sir, XXXX, XXXX, and Transunion are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, XXXX, XXXX and Transunion. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )

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 2017-09-19
Company: EQUIFAX, INC.
State: NC
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:
I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, XXXX and Equifax remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XX/XX/XXXX and the end of XX/XX/XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing , Inc., does send my monthly mortgage statements in a timely manner. The statements often do not arrive at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from Specialized Loan Servicing ( SLS ) stating that our payments were going up and we were short in escrow of the amount {$2000.00}. Our loan was transferred from XXXX XXXX XXXX XXXX   to their company in XX/XX/XXXX. Our payments with XXXX XXXX and SLS are current and up to date. So there should not be a shortage with our escrow account. Our bankruptcy was discharged early last year and we received a noticed that there was an escrow overage and we received a escrow refund check for {$2100.00}. We received a refund because XXXX XXXX was supposed to apply the pre-petition payment of {$2600.00} to the escrow account. I called XXXX XXXX on XX/XX/XXXX regarding the matter and the escrow representatives and customer service understood and verified that the pre-petition was not applied to the escrow account as stated. Please review all verified bankruptcy documents from my attorney. If the escrow was short as XXXX XXXX as stated they would not have discharged the bankruptcy as stated in the documents.

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 2020-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2017, my payment of {$57.00} did not process. I reached out to the company 's customer service, who said that a payment did not go through. I was not notified that this payment did not go through correctly and that it was considered a late payment. I am now unable to qualify for a line of credit. When I contacted the company 's customer service, I was told that it might appear on my credit report but that there was nothing that could be done about this unfair situation.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

XXXX - XXXX - This is not mine - this belonged to a patient who is no longer living. Remove this from my report. - Please remove it from my credit report XXXX XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Kentucky Higher Education Assistance Authority
State: NJ
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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted USA on XX/XX/XXXX and notified them of a balance transfer of {$4000.00} that I did not authorize or initiate. I was told that it would be corrected within 2 to 5 business days. I made repeated phone calls to have the charge removed from my balance. As of today, XX/XX/XXXX, USAA has not removed the charge from my credit card. 

I called today to close my account with USAA and request a final payment. I was given a final payment that I will pay at the beginning of next week, XX/XX/2018. 

I have made numerous phone calls to USAA to resolve this problem. They have yet to remove the charge from my account. 

Because of that I called today to close my credit card account with USAA. I can only determine that they are incompetent. 

I will never work with USAA again, they failed to correct the fraud transaction in my account after I notified them the first day of the next week, a Monday, XX/XX/XXXX. It is now XX/XX/XXXX, and they have failed to reverse the transaction. 

Do not trust USAA, they will not protect you from fraudulent translations or transfers. They may not be capable of fixing the fraudulent transfers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, TransUnion and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.

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 2021-06-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was about to withdraw my money in PayPal and my request got rejected, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation