BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other

Complaint:
This incident happen in XX/XX/2017 and also one time over a year ago. I had a balance of less than {$50.00} with Macy 's Credit Card. I attempted to pay the full balance online and I paid either the payment due or the current balance. Even though I paid the balance before the due date I accrued less than 1 penny interest in the billing cycle and by the terms and conditions of the account was billed a minimum of {$2.00}. I complained each time and the store reversed the fee. I do n't know what would have happen if I would not have complained but most likely I would have continued to receive a fee for {$2.00} every month. 
The problem is that the minimum balance shown on the payment web page does not display 0 to 30 days of accrued interest and thus results in a {$2.00} fee even if a person selects the pays current balance option. The web pay system does not allow one to pay the {$2.00} fee in advance. My concern is that if this happens to other clients it may go unnoticed.

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 2021-04-12
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I noticed my " XXXX County Property taxes '' of {$10000.00} had not been paid by my Mortgager " Guaranteed Rate '' via my escrow account. I called Guaranteed Rate and asked why they had not been paid ( they had no good reason. ) They advised me to email a copy of my " Property Tax '' bill and they put in a work request to the escrow - property tax dept to get them paid. They acknowledged at that time if they were not paid on time they would be responsible for the 7 % Penalty Fee ( {$710.00} ) I made several phone calls from XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to resolve this issue as we ended up selling our home and closing on it on XX/XX/XXXX. Because the property taxes were not paid, our escrow company paid XXXX County property taxes {$11000.00} through the proceeds of our sale. When I spoke to the " Supervisors '' on XX/XX/2018 & XXXX. They all acknowledged that Guaranteed Rate was responsible for the penalty Fee of {$710.00} and assured me that Guaranteed Rate would reimburse me when the loan was paid off. 
With no recourse in sight and no follow up from the elevation of our complaint with the reps at Guaranteed Rate, We filed a complaint with on XX/XX/XXXX with the XXXX with no response or On XX/XX/XXXX we spoke to " XXXX XXXX '' who follows up with BBB complaints who said he would look into it and call me back by XX/XX/XXXX - Again no call back. We finally called him back today XX/XX/XXXX. XXXX stated that Guaranteed Rate would NOT be refunding me the late fee because 1 ) The account is closed and 2 ) I put a stop on the payment?! ( after a recommendation from their representative who noted that since the escrow would be paying the taxes the next day it made no sense for Guaranteed Rate to make a double payment to XXXX County. The rep again acknowledged and reassured me that since Guaranteed Rate failed to meet their Fiduciary Responsibility we would receive a reimbursement of the Late Penalty. ) Although Im sure Mr. XXXX is sincere in his trying to help me, Im not confident that the Loan Servicing department he is working with is using any common sense in this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: OR
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:
This is regarding a significant drop in my score without any evidence that caused it. 

I chatted with XXXX at Experian, who thought I was looking for financial advise and who said that they could not explain the drop. I am not interested in financial advice, I do need an explanation for the drop. As a consumer, I am entitled to know why and as reporters you have a responsibility to be transparent. 

My score dropped 22 points in a week with no hard credit checks. My credit use has remained the same for many months. 
I need an explanation about where this came from, who reported it and why my score dropped 22 points.

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 2021-07-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Since XX/XX/2021 I had been receiving calls from a restricted number and in XXXX XXXX I decided to answer. They said they were with Commenity. I told them to stop contacting me and yet since then until today XX/XX/2021 they continue to contact me from a restricted number. Today XX/XX/2021, they called around XXXX and told the representative to not call me again. An hour later I received another restricted call and it was Commenity. I also told that representative that I talked to someone an hour ago and if I was called again from a restricted number that I would file a report and ended the call. 

I have attached screen shots of my call history for the restricted calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: CAC Financial Corp
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I had go into XXXX XXXX XXXX XXXX in XXXX XXXX Arizona. The doctor installed a catheter into my urinal bladder. On the next morning XX/XX/2019 I had to return as the catheter nurse practitioner failed and came out. XXXX XXXX XXXX XXXX XXXX sent me a bill for {$590.00} for failed procedure done by his nurse and charged again for this malpractice another {$590.00} on XX/XX/2019. The payments were made by check : {$960.00} and which includes XXXX payments they did not credit me with and another approved allowed amount of {$350.00} from XXXX XXXX insurance that they refused because they claim in was out of network. 
XXXX XXXX  Physicians hired CAC Financial Corp to collect more money from me this collection company from XXXX XXXX ( XXXX ) XXXX or XXXX XXXX has been continually calling me to collect and will not stop. They claim that I need to send money to them. I made payments directly to XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I have a Bloomingdale 's credit account ( via Department Stores National Bank ) that has charged me a recurring interest fee. When I call to make a payment, it gets paid, but then since there was a fee after the start of the billing period, they charge me another {$2.00}. I 've had prior issues with this organization ( I filed a complaint back in 2014 regarding similar unfair practices ). This is completely absurd and I am sure I am not the only person who has had to deal with this type of activity.

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 2018-12-18
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I open an account with XXXX XXXX a light company. In XX/XX/XXXX i was aware that my contract was over, so i switch light company because to my knowledge I was done with them, and i need something to cheaper. My husband and i were working at the time, my husband was just going to start his new job. So anyways after i switch light company thinking my contract was over. I never got a called, nor a later from them ever again. But now is XX/XX/XXXX and the last week of XXXX i received a called from Credit Management control company. Saying that i owe money, but i wasnt sure if it was my account because this had my old last name. The rep said she would look into and call me back, but i NEVER got a called back. Just recently i notice the put this on my credit as a collection, so as soon as i saw that i gave them a called. Ive spoke to a rep, that was completely rude after i ask if i get a deletion letter if i paid them off. Which if is my account Ill take full responsibility and pay for it, but i NEED this delete it off my credit. I ask to speak to a manager, same thing he was rude and disrespectful. Would not help ONE bit.. i called again and same thing spoke to a supervisor and again he was rude and even threaten to hang up on me. Was giving me false information that is up to the credit bureaus to delete this account after i pay it, which is a lie. I know is up to them to delete it, because they are the ones reporting. This company is very unfair and treats people very rudely. Ill take full responsibility and pay for the account if is mines. But all i ask if for them to get deleted of my credit. The way the spoke to me was very wrong. It can really mess with someones mental health, the way the abuse their power is very wrong, and it should not be permitted for a company to talk to anyone the way this company does.. and another thing they said they have send me letters so i can know about this matter and is a lie because even if they send it to my old address, i have not gottten anything because i had all my mail forward to my new address and i get everything else to my new adress BUT this. How come? Because they have send me anything. They just lie.. its not fair to us..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XX/XX/XXXX I have been asking LVNV Funding to provide proof that this is my debt as I have no knowledge of this alleged debt. I have attached letters dating back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To date they have refused to respond or provided any proof that this is my debt. My understanding is that if they fail to provide adequate proof, they must remove the reporting on my credit report ( see attachment. ) Additionally, this item goes back to XX/XX/XXXX which means that Statute of Limitation in Florida ( 4 years for a credit card debt ) which means that the debt is also uncollectible and should be removed as it is violation of FCRA to attempt to collect a debt which is known to be uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. The Credit Burueashave failed to comply with the FCRA section 605b and continued reporting these inquiries without proper veriofication and authentication. I am tempted to pursue legal action againsts the Credit Bureaus But I will be giving them one mor wechane to remove the inquiries completely from my Credit report. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-04-22
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have contacted the collection 's company, United Auto Acceptance, to set up an online account to see my official receipts. The company has stated that there is no online website, over the phone, but they actually do. I have made payments from, XX/XX/XXXX to XX/XX/XXXX, without ever seeing the official receipts or current balance. My XXXX as well as myself have expressed that I need to see the receipts. I have looked online to see customer reviews and they are all the same. The company does not help the customers that are in need of assistance. I can provide proof of payments but as of now I am unable to make any further payments due to their office being closed from the Covid-19 epidemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I received an unusual notification from Santander Bank stating that my password was reset. I notified the bank immediately to freeze the account ; however, the thieves had already withdrawn a total of {$4200.00}. The following day I filed a claim with Santander Bank for the stolen funds. Soon, I received a telephone call from the fraud department of Santander asking me to explain what I remembered about the series of events of XX/XX/XXXX. I explained that my emails had been hacked and my cell phone had been sim jacked. The representative whose name was " XXXX '' said I needed to submit documentation from my cell phone carrier, XXXX XXXX XXXX, about the interruption of service that took place. I also stated that the event was overwhelming and I could not particularly remember the precise sequence of events that took place on XX/XX/XXXX. After 2 weeks and through the help of the FCC, I was able to communicate with XXXX XXXX from the XXXX XXXX XXXX president 's office, who provided me with a letter to forward to the fraud department of Santander. 

Nevertheless, before I could submit the letter, Santander notified me that they have denied my claim. 

Santander has wrongfully denied my claim. They never provided a fair and thorough investigation. The representatives never provided sufficient time to submit the requested document, nor did they provide me with any name, address, email or fax to send the supporting documentation. Their response has been unconscionable.

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 2017-04-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The accounts below are not mines? 
XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

XXXX Account number 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 2022-07-20
Company: Experian Information Solutions Inc.
State: VA
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX XXXX XX/XX/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 2022-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. Equifax is refusing and I need help because they are going against the law and not doing what is right. 

There are several inquiries on my credit report that need deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: General Motors Financial Company, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They claim I missed my XXXX payment. Spent hours on phone. Sent bank statements showing that check was processed with check # and dates when sent and when it went through my bank. Last billing statement had 2 different payoff amounts which we were told is wrong and gave us yet another figure. Told us we needed to send payoff amount to a different address. We told them yes is with the billing statement which they said no, that's not right either. They want me to send in more money for XXXX and they owe me money now. If I send what they say they want me to send in to save my credit score I will have over paid over XXXX dollars. Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This XXXX and XXXX account is not mines and has been deleted by XXXX. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX not mines. 

1. XXXX XX/XX/XXXX Open {$5900.00} 2. XXXX Other XX/XX/XXXX Closed XXXX Missed Payment {$1400.00} 3.XXXX Other XX/XX/XXXX Closed {$0.00} 4.XXXX XX/XX/XXXX Closed {$1000.00} This account is paid in full. 
XXXX XX/XX/XXXX Open - Current {$45000.00} These XXXX accounts are not mines.

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