BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am attempting to pay off old charged-off debt and have been successful in either paying or receiving payoff information from the creditors. Most, if not all of the charged-off debt should be paid in full within the next upcoming weeks. 

There is one creditor however, DSNB/Macy 's , that shows a {$0.00} balance yet continues to report the account as charged-off. I understand that if I was not paying or attempting to pay but their credit services people tell me that the account shows NO BALANCE so they are unable to take payment, negotiate payment, etc. 

My dilemma is that other creditors, who are now paid-in-full, or will be paid-in-full would then be updating my credit reporting as PAID. My understanding is that these showing as PAID should remain on my credit report however there should be a positive effect to my FICO. The issue with Macy 's is, with no ability to pay them, their continued reporting, as if I have ignored them entirely, has no resolution. 

NOTE : The choice in your website wasn't an exact match, so the choice of " from bankrupcy '' is not an exact match. This is an earnest attempt to clean up and improve my credit reporting history. 

MY Request : either allow me to paid this off is a satisfactory way or show as paid or other status that doesn't continue to hurt me. 

I will provide what documentation I do have from the XXXX credit report. 

Thank you for your consideration. -- 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 2019-11-12
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: Account status incorrect

Complaint:
I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2018-09-06
Company: EQUIFAX, INC.
State: NY
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:
Every since i started making complaints with CFPB about Equifax, they have blocked my internet access to view my credit report or dispute items on my credit report at ( https : //www.ai.equifax.com/XXXX ) now that i have complained about Equifax Inc i am having problems i did not have before. 
I would like Equifax to stop bullying me and restore access to my account, credit reports and my dispute results. 
I also believe Equifax Intentionally mispelled my address again after it waas corrected. 
( They have my adress as XXXX XXXX XXXX ) - ( My address is XXXX XXXX XXXX ). 
That intentional change of that 1 letter has caused me problems and financial difficulty. 
It should be listed as XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called about a debt showing on my credit report for a hospital bill from rmp services but I have had insurance. I did not receive any bills from the original creditor or from the collections company. Her tone was condescending. She lied about insurance being able to pay for said debt I owed and was at first refusing to give me all information related to said account when she did I called my insurance to relay information and upping further investigation the bill way paid by insurance for services on date rendered But not only that she was rude condescending telling me life isnt fair get use to it that I cant cry about everything that isnt fair and other rude remarks that I will choose not to disclose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative information reporting. Sure enough, there was a collection account reporting as XXXX XXXX in the amount of {$1400.00} for XXXX XXXX. I have never had XXXX XXXX and this account is not mine. There is another collection with XXXX XXXX in the amount of {$66.00} for account that I never had. There is also a closed account for a company called XXXX   that I never had. I have contacted the local police department and have amended my current police report to add these additional accounts.After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have also submitted a complaint to the FTC and have a report from them as well. The fraudulent inquiries are XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX   and 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 2019-11-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday, XX/XX/2019, I went to Chase Bank at XXXX XXXX XXXX XXXX, XXXX Fl, XXXX Between XXXX XXXX. I went to ATM terminal number XXXX, which is located directly to the right once you enter the building. I used my debit card through XXXX XXXX to withdraw {$1500.00}. When it asked me how I wanted my receipt, I choose an email. After that screen, The atm restarted as if the transaction did not go through. I advised the teller that the atm did not provide me with the money, and she advised me to try another one. I went to the other ATM, and it said I reached my limit for the day. She then advised me to contact Chase 's claims department, which was approximately XXXX XXXX. 
I spoke with the claims department to open an inquiry ( Claim XXXX ). They advised they would research the matter and then credit my account for the inconvenience. It took two days ( XX/XX/2019-XX/XX/2019 ). I called six times and spoke with six different customer service reps and supervisors. Finally, on XX/XX/2019 at XXXX XXXX, I spoke with my 6th supervisor. He had to cancel my old claim because he stated they did not include that the transaction was not done with a physical card. It was done with XXXX XXXX debit card. He noted that the coding was different. He created a new claim ( XXXX ). He stated that he would be able to issue me a temporary credit, and they will research the issue. On XX/XX/XXXX, I received an update that chase completed the research, and they determined the transaction was processed correctly. I spoke to a supervisor, and they stated that they received information from the bank stating the transaction was complete. However, It was not complete. I did not receive the funds that day at the ATM. They also stated that they would be removing {$1500.00} from my account on XX/XX/2019. I called Chase at the location above and spoke to the Manager on Duty. He stated that he would escalate the issue. I also called back the claim department, and they said they would escalate the issue and allow 3-5 Business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
XX/XX/2019 Charge for {$250.00} SQC*CASH APP - USAA - CASE XXXX XX/XX/2019 Charge for {$110.00} SQC*CASH APP - USAA - CASE XXXX These charges were never authorized by me and I never received any money. I contacted XXXX XXXX but they have no phone system and attempted to message them with their in app support system. It usually takes many days for a response. I never heard back from CASH APP so I called USAA and started a dispute. It was very easy and got temporary credits in my account. I believe I had the credits around XX/XX/XXXX. Then on XX/XX/2019 USAA sent me 2 plain emails with pdf attachments. It does not say in the email that any information is required or my immediate response is requested. But hidden away in the pdf files is a request for more information. Because I don't check every email I receive from USAA because usually they are junk mail, I never opened the pdf, and then USAA DENIED my dispute. They never called me or sent another email. They never sent me a letter or anything they just denied it and took my money. After a few phone calls speaking to a supervisor I was able to resubmit the information. On XX/XX/2019 my one dispute is finally reopened XX/XX/2019 Charge for {$110.00} SQC*CASH APP - USAA - CASE XXXX. XX/XX/2019 Charge for {$250.00} SQC*CASH APP - USAA - CASE XXXX DISPUTE # 2 for {$250.00} has not been reopened since I uploaded information about the case.____ ______________________________________________________________ ORIGINAL COMPLIANT I have called USAA at least 5 times since I have filed the last complaint and I have no 0 progress getting in contact with anyone. I do not even know if they are looking at the 2nd complaint. How can I call this many times and still not know if my complaint is being looked at?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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: Account status incorrect

Complaint:
I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.

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 2023-06-25
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/23, I visited Ally to make a bill payment using their automated check-writing service. The website showed the bill pay service was suspended on my account. As background, I have an pending yet unrelated dispute with another company who used an expired and terminated autopay agreement to withdraw funds from my Ally account via XXXX. XXXX transactions are not related to Ally 's check-mailing bill-payment service. 

I called Ally to find out why my bill payment service was suspended and to restore it. After dealing with with an hour of holding punctuated by rude conduct from a supervisor who identified herself as XXXX XXXX, employee # XXXX, I was told that outside of revoking this pending dispute, there was nothing I could do to restore the bill pay service.

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 2022-11-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 2nd attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Selene Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a letter from my mortgage servicer Selene Finance stating my mortgage assistance request and mortgage assistance was appealed, because of credit information received from XXXX credit bureau and other credit reporting bureaus. The mortgage assistance request was denied. I have read in my research the servicer or bank is not suppose to deny mortgage assistance because of credit. Selene Finance customer service and staff do not know the government requirements for mortgage assistance, It appears to me Selene Finance do what they want to do and will not apply the law. I have been affected by XXXX and my health was compromised. 
I am resubmitting my request for mortgage assistance, I have received several denials, each denial denial reason is different. 

See Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 reached out to company on XX/XX/XXXX about credit inquiries that were not authorized by me. I spoke to XXXX and I even tried to talk to her about getting them removed. I then filed a report about identity theft and they still did nothing to protect my account or remove the inquiries. I have attached the identity theft 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 2019-08-22
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:
inaccurate information on credit report has not been removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2018-09-06
Company: Experian Information Solutions Inc.
State: OH
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 have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.

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 2019-03-23
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal limited my account on XX/XX/XXXX right after I had opened it. I submitted documents ( incoices, ID, proof of shipment, reciept of purchase ) and paypal permanently limited my account right after on XX/XX/XXXX and thay I was no longer allowed to do business with them with {$210.00} in my balance. They will not release my earned money and will most likely hold it indefinitely. I called many times and never got a clear reason as to why my account was limited and tried e-mailing multiple members of their escalations department with o satisfactory response or explanation. One of the reasons given was that my products were suspicious when i had clearly submitted invoices of my original purchases. Paypal should not have the right to hold my money for extended periods of time with no legitimate reasons.

Company response to consumer: Closed with explanation