BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I paid off my Citi Simplicity Card in the amount of {$1600.00}. This was the due date for payment. The representative ( I apologize but do not have her name ) alerted me that the account would be paid in full and have a XXXX balance. She even waived the prior month 's interest charges in the amount of {$19.00}. The payment posted to the account on on XX/XX/XXXX. I was then shocked to receive a bill for {$1.00} for the next cycle - 2 days of interest. I thought this would be an easy fix as I had already paid significant interest, paid off the balance and was told the account was " XXXX XXXX '', but sadly I was told they would not waive {$1.00} even after receiving {$1600.00} as they had waived {$19.00}. While I understand that they contractually can charge this, it seems onerous and spiteful to do so. It defies common sense and is some of the worst customer service I have ever experienced. XXXX XXXX XXXX  XXXX XXXX is not going to have any impact on their bottom line in any way, shape or form. 
As a side note, I have already paid off and closed two other accounts with CitiBank due to similar billing and payment issues. My plan was to close this account as well in order to sever any ties with their business.

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 2020-08-28
Company: Valor Intelligent Processing, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The company called me on Monday XX/XX/XXXX, may have been Tuesday. He did not tell me of any recording before asking my name. I did confirm my name. He asked me to confirm my address or social security number, which i refused to do. I asked who he was and he gave me a name for himself and the company as Valor Intelligent Processing. At that point he gave out my information in the form of my address and he also told me the last four of my social security number. He had not confirmed my identity at this point so could not be sure he was talking to the correct person. I hope that it is illegal to broadcast my sensitive information in this manner. I also get numerous robocalls from this company, even after asking not to be called. I think the robocalls are legal unfortunately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Company will not respond to any correspondence regarding old account reported on my credit report. Account was a charge off and is being reported incorrectly. Company ignores all requests for proof the debt is real that I send.

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 2021-04-30
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I consumer XXXX entered into a consumer credit transaction with XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but XXXX XXXXXXXX XXXX XXXXXXXX made me purchase insurance separately.Also, XXXX XXXX XXXX XXXX Violated 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. They are now civilly and criminally liable. all documents are included within this complaint. XXXX XXXX XXXX XXXXXXXX received the notarized original.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have no liability with XXXX due to an asset amount of over XXXX XXXX with XXXX. My credit file should be empty. The last authorized inquiry was on XXXX-2017 with XXXX XXXX. A recent unauthorized inquiry was with XXXX on XXXX-2017 for a vehicle that was purchased with my business account information without my consent. Please investigate. Student loans have been advanced by XXXX XXXX and 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 2021-02-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: IA
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:
In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, Equifax, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX  has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-02-11
Company: Experian Information Solutions 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:
In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from Experian and XXXX   and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.

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 2019-10-29
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Protection Association, a debt collector, has filed a negative credit item with XXXX. I have disputed the item with XXXX. Credit Protection Association has certified to XXXX that the debt is correct. However the debt is related to a XXXX XXXX account that was opened in XXXX of 2019. I have not ever opened a XXXX XXXX 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 explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 tried to have a have a collection company removed from my credit report which I am not responsible for this debt.

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 2022-10-04
Company: EQUIFAX, 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 tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: VA
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:
I recently read through a copy of my credit report and I saw addresses on there that are not correct. Also, I would like for you to correct the spelling of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: PA
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:
There are nine closed accounts from XXXX XXXX FDR CBR on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This dispute has been going on now since the end of XXXXbeginning of XXXX of XXXX with XXXX XXXX XXXX as we had them and their partner XXXX for both our internet provider and satellite TV provider. We would receive one bill and they would split it up as that was the deal that was given to us when signing up with them. When we decided to cancel with both of them at the end of XXXXbeginning of XXXX, we paid our final bill and was told by XXXX billing that we had a refund coming back to us which we received after turning all of our equipment in and making our final payment. XXXX XXXX XXXX has since stated we never made our final payment to them even though we paid the invoice received showing final bill. All of our payments were made online through their billing system in the total amount of {$160.00} each month and XXXX XXXX XXXX would distribute it as needed. They stated it was the portion for XXXX. Starting in XXXX XXXX  we chose to switch to XXXX XXXX. The communication between the companies billing departments I explained to them needs to be worked on because the customers money needs to be applied to the correct accounts so these type of issues don't keep happening. I've now been dealing with this for several years and it just keep going from one collection agency to another all because 2 billing departments won't communicate with each other. I paid my final bill with XXXX XXXX XXXX and XXXX. One company says it's a XXXX  balance while the other won't listen every time I contact them. I've disputed this before on my other credit report and it was removed now they've put it on the 2 that they didn't have it on previously. It's for {$100.00} and they keep trying to ruin my credit for that. When looking at the rest of my credit you would be able to see that I pay all of my bills so for this one company to try to lie about this over and over is ridiculous. I know other customers of theirs that have had problems with their billing department as well. They should seriously be looked at as to how they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion and XXXX  are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.

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 2020-05-13
Company: AMERICAN EXPRESS COMPANY
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:
Under the Millitary Lending Act and formerly the Service Credit Civil Relief Act American Express promises no annual fees for their cards. However, recently ( as of XXXX XX/XX/2020 ) they have not been honoring this promise for those who do not qualify for SCRA, instead, they make excuses that you were not identified as military when you applied for the card which I tried to do by entering my SSN and identifying my occupation as military. Then, proceeded to provide them with the documents and they still do not approve me. This is a problem many Servicemembers have been having recently : XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Experian Information Solutions Inc.
State: AZ
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:
I am unable to see my accounts in detail. This is false advertising since this Credit Report is designed to show your accounts in order to review for any discrepancies. I requested on numerous times to be transferred to a Supervisor but the Representatives refused or made excuses that there's no Supervisor on Staff ( i.e. Representative " XXXX '' who I spoke to today ). I am requesting that the Credit Report detail my accounts and for a Supervisor to call me back on this issue ( my cell # : ( XXXX ) XXXX. 

Your support is greatly appreciated in this matter. 

Regards, 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 2016-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on today 's date on XXXX/XXXX/XXXX I contacted ARS a collection agency in the state of florida located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ph # ( XXXX ) XXXX to verify some information that is reported on my credit report. ARS advised me that I have XXXX accounts placed with them by XXXX XXXX XXXX I requested all dates and amounts they claim was reported and I was given XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$320.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$420.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$240.00}, & XXXX/XXXX/XXXX {$450.00} after questioning ARS as to why they have double accounts on my credit for XXXX/XXXX/XXXX for the same amount as well as other accounts that are just days apart and they did n't seem to have an answer I contacted the original creditor which again is XXXX XXXX XXXX. and I was told they only reported XXXX accounts to ARS and gave them the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX I was then told ARS should not have any other accounts against me which means ARS has FALSELY reported accounts against me to the credit bureaus which has damaged my credit and there is a total of {$2200.00} in fake accounts now on my credit! I researched ARS and they have done this to other consumers as well they have reports against them online and need to be stopped! I want them held accountable for this, I want the accounts they falsely reported removed and I am also seeking money damages for hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, 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:
On XX/XX/2020, I sent letters to the corresponding major credit bureaus about inaccurate reporting false items on my credit report. It's been more than 60 and I haven't received a response from them yet. I feel like I'm being ignored of my disputes. These are deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
There were two accounts opened XX/XX/13. First account for {$1000.00} and the second one for {$1500.00}. Someone fraudulently opened both accounts. XXXX deleted the account for {$1000.00} but not the other, if both accounts were opened on the same day, how would they delete one and not the other ... ... .I would this removed from all three credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to NewRez. When the loan was transferred it included an escrow account for taxes and insurance, which I am still paying into. I recently received notification that they did not have proof of my homeowners insurance and when I called to verify, was told that neither my insurance or property taxes were to be paid from the escrow account. I must now deal with a loan servicing department, which can not be reached by phone, to send a formal request for them to pay for my insurance and taxes out of that escrow account. Additionally, the customer service people I spoke to were from a company called " XXXX '', which is not the name on my mortgage statements. This all seems shady and I have no recourse since I can not choose who services my loan. I feel like I am being scammed into overpaying for homeowners insurance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: MD
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 spoke with a representative with XXXX XXXX XXXX an offered me a re-age program to pay {$93.00} a month on my XXXX credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program XXXX offered to help pay off you credit card balance. I spoke with XXXX  and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.

Company response to consumer: Closed with explanation