BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a letter from Citibank stating that I was not eligible for the promotional XXXX XXXX miles ( XXXX ) that was promised to me. They said that the reason was that I did not make a {$400.00} debit card purchase within the 60-day time frame. 

However, I did make the {$400.00} debit card purchase within the 60-day time frame. I made the purchase with my Citibank debit card on XX/XX/2019. Looking at THEIR records of the transaction ( screenshot enclosed ) it even says that the purchase was on XX/XX/2019. This is within the 60-day time frame from when I opened the account. 

I would like the XXXX miles credited to my XXXX XXXX advantage account. 

Citibank continues to XXXX $ XXXX fee for this checking account. Every time that I call the answer is always " wait 4 weeks for an answer. '' In that time frame, I do not get a satisfactory answer, and then they collect another fee.

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 2019-03-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a small XXXX loan from this company in XX/XX/XXXX for XXXX work. They charged my XXXX XXXX   account automatically every month for 3 years. They were always paid on time because it was automatically drafted. When I found they were still charging me well after it was paid off I contacted them and they did it again. Then i submitted the bank statements for 3 years to them and their accounting department that was located in another state. Supervisors worked on my file, apologized and promised me repeatedly, that they would send the message to stop reporting negatively on my creidt report and I did in fact have a zero balance.They would because my bank statements proved i was never even late yet this company kept calling and reporting me late. They finally stopped calling but its still reporting late, chargeoff and it should not be. I paid this on time in full for 3 years. If anything they actually owe me money because I overpaid for months and didnt even realize it. 

Account Name SYNCB/CARE CREDIT Account Number XXXX Account Type Charge Card Date Opened XX/XX/XXXX Status Closed. {$1000.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} Terms NA

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms

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 2019-11-04
Company: Caliber Home Loans, Inc.
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/19, two days following the due day for my mortgage, I received a phone call from Caliber Home Loans regarding my mortgage. During this phone call, I was told by the agent that the phone call was being recorded and its purpose was an attempt to collect a debt. I was shocked that I received this notice two days following my due day, particularly in view of the fact for the past eighteen months my mortgage was paid on the XXXX and XXXX of the month I believe that the recent phone I received from Caliber Home Loans regarding my mortgage was inarguably a form of harassment. There was no need for Caliber Home Loans to contact me just a few days after my mortgage was due given the pattern how I have paid my mortgage during the past eighteen months or so. I believe that Caliber Home Loans used the fact that my mortgage was not paid on the XXXX as a form of harassment and intimidation given my ongoing efforts to obtain documents from Caliber Home Loans to corroborate the accuracy and veracity of the settlement statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, I purchased an Equifax Complete Premier Plan on XX/XX/XXXX directly through Equifax 's web site. I purchased the plan to protect myself and my financial accounts from identity theft. I also purchased the plan to have my personal credit reports monitored and protected. 

Unfortunately Equifax did not protect me or my accounts. I was informed from my father-in-law that there had been an Equifax breach and I was completely shocked and alarmed because Equifax was supposed to protect me, not violate me. Till this day I have never received an email or letter from Equifax informing me of the breach. 

In addition, I paid in full for a service that I did not receive. Equifax withdrew {$1.00} from my bank account on XX/XX/XXXX and {$190.00} on XX/XX/XXXX. 

I have contacted Equifax several times via phone and I can not reach a live representative. My phone calls are either disconnected or re-routed to another automotive system. When I have accessed my account via their website I 'm kicked off and receive an error message. 

I was able to log onto equifaxsecurity2017.com however they asked for more personal information which made me uncomfortable. I did speak with a live customer service agent but they could not help me get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I reached out to the cash app to dispute a transaction that took place on XX/XX/2021. I also reached out on XX/XX/2021, and XX/XX/2021, to try to resolve this issue. And they have failed to dispute this matter and this falls under their policy and procedures to dispute an unauthorized transaction, especially if the full consideration has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i paid my XXXX XXXX Bill with my bank card. The amount was : Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Fith THird bank claims they didnt process it when I I disputed some other chrages on my card. Fifth Third said that the payments was pending. But never told me they were paid. After 14 days they ( Fith Third ), charge back my payments and casued my account to be in the negative as of now. I'm very upset. The people at XXXX XXXX have received their monies since XX/XX/XXXX and not Fith THird is trying to hold me accountable for these payments that was made and thye screwed up. I'm asking for my account to be in the positive and hold them accountable for the monies that thye should have paid to my XXXX XXXX account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Due to previous fraud and or my personal information being exposed. I am requesting for the information of my current Employer, to be removed from being visible on my credit report. This is not acceptable for my job employer to be exposed on my credit report. Please removed immediately from all 3 credit bureaus. As I observed when checking my credit report for unauthorized 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 non-monetary relief
Consumer complaint received 2021-05-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
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:
I received a letter from Equifax stating that my information was accessed in the Equifax Breach. I have 3 inquiries on my credit report with Equifax that I didn't authorize. They are the following : XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX and XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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: Account status incorrect

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days a so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 some of the information was erroneous. The 3 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 investigate and corrected for erroneous reporting in my file and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/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 XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-06-04
Company: American First Finance, Inc.
State: SC
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:
My identity was stolen and I have no knowledge of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was stolen, among millions of others, in the recent " leak. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Renew Financial Holdings Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I obtained a loan for energy improvements to my home, through the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).
I have been making payments on that loan until, unbeknownst to me, the company that services that loan XXXX XXXXt/Renew Financial stopped payment through the automatic payment method that I had set up with them. It appears that this occurred XX/XX/XXXX. 

I have not received any written communication from XXXX XXXXRenew Financial to explain why payment was stopped. On or around XX/XX/XXXX I became aware that these payments were no longer being made. When I attempted to log in to my XXXX XXXX/Renew Financial account, I found that my account was no longer accessible. When I was able to access their website with new credentials, my loan was no longer linked to my account. I still have no access to any information about my loan, since this was all done via the web account ( paperless ). I also have not received any emails from XXXX XXXXRenewal about the account. 

Around XX/XX/XXXX I received a call from a bill collector notifying me that they were collecting the debt on the account. I told them that I would not pay the debt until I was able to establish contact with the lender. Since this time I have been attempting to contact Renew Financial. 

The phone number at the Renew Financial office apparently doesn't pertain to loans outside of California or Florida. When I call this number I am internally forwarded to a third party bill collector, XXXX. 

I have also attempted to contact Renew/XXXX XXXX via email and through the form on the Renew/XXXX XXXX website but have not received a reply. 

I am unable to contact the lender to confirm or understand the reason that my loan payment stopped or why this was referred to a bill collector. As I have no information from a trusted source regarding this loan, I am contacting CFPB to understand the legitimacy of the claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery is currently reporting a false account to my credit file, this account is the result of an XXXX XXXX XXXX. During this breach, my personal information was stolen and used to open accounts against my knowledge. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This afternoon I received a call from XXXX. This auto-dialed number left a robo-voice message saying that it was from " XXXX XXXX   : a debt collector '' and telling me to call XXXX. I do not have any outstanding debt and I pay my credit card in full every month. So, there is no reason a debt collector should be calling me.

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 2021-01-22
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a collection that showed up on my credit report for XXXX XXXX at XXXX. They have sent it over to Professional Finance as a debt collector. I have called PF to ask for details of what the charge was for - they have refused to provide that and instead sent me back to XXXX which I have documented XXXX different billing departments and phone numbers to follow-up with to determine what was sent to collections and NO ONE can tell me what it is. I have gone through all my insurance EOB ( explanation of benefits ) and there is nothing that shows I have {$150.00} due as a patient responsibility. 

When I went back to PF and told them this was erroneous they told me to just pay it. I said it fraud - its not backed by any data or fact and you can't even tell me what it is for - I was then hung up on. I tried calling back and got a voicemail and left a voicemail asking that they send me the details in writing via email or snail mail or take this off of my credit report until they can find the details that shows this is truly an amount due as XXXX - all XXXX of their billing departments can't track that this is due and you have no prove up - so remove it. 

I have now repeatedly received calls with XXXX XXXX, demeaning words, telling me to pay it or my credit will be ruined due to my paying what is due. I still to this day can't get any details from any of the XXXX XXXX entities or this collection company. Based on how they have treated me as a human - I want this removed from all three credit agencies at once.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
RE : The Equifax Security Breach. I have been trying for well over a week to contact somebody ... ANYBODY at Equifax to help me place a " freeze '' on my credit reports to avoid fraudulent use of my credit. IT IS IMPOSSIBLE TO GET THROUGH TO THEIR WEBSITE OR ANYONE IN CUSTOMER SERVICE ... PERIOD. I understand that I have to pay for a credit report freeze ( even though the problem is their fault ), BUT IT SIMPLY CAN NOT BE DONE ... no way to contact any Equifax Personnel or use their website ( it is always " Unable to process request ''. Therefore, this company 's negligence and incompetence is PREVENTING ME from protecting myself! Please help if you can with a formal complaint on record from me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After a recent pull of my consumer reports, I noticed the furnishing of inaccurate information on accounts damaging my credit score. After I disputed with the credit agency to my surprised it was verified as accurate. However one glance at what is being reported one will notice it is clearly not accurate. Charge off dates do not align, failed to pay on one bureau, paid on time on another.

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