BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1 : 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation. Multiple requests have been made via 1- ( Customer Service Telephone call ) ; 2- ( Customer Service Telephone Number which gives this option ; 3-Certified, Notarized written request XXXX and XXXX sent to XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXX , SD XXXX received XX/XX/XXXX, and XX/XX/XXXX respectively. 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation does not list any exceptions and specifically states : " 1026.11 Treatment of credit balances ; account termination. Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : Credit the amount of the credit balance to the consumer 's account ; Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; " I have complied with " within seven business days from receipt of a written request from the consumer '' and now am afraid of retaliation for asking for my due rights per this statute. Macy 's credit card customer service number has not really been any help with continued follow up requests : greater than 1 hour hold times ; no explanation is given except to write and ask for one ;  credit balance amount has multiple times been provided by customer service implying that this was an amount owed not a credit balance ; efforts to charge down the credit balances have been verbally granted multiple times but the card does not work even for small fast food meal purchase attempts. No calls have been received from Macy 's credit card except as a follow up on declined charges for identity verification and verification of attempted charge with the card still not working after the call. Additional payments to clear up supposed pending transactions have resulted in a larger credit balance and the pending transactions have dropped off because they were in fact not pending transactions but declined transaction.

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 2020-05-17
Company: FC HoldCo LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

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 2023-06-02
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:
The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. The account is listed below : XXXX  XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent Hunter Warfiield two certified letters on separate occasions asking them to verify the debt owed. They sent back a print out that did not include the last payment that I made, my signature or the signature from the original debtor. When asked to verify Hunter Warfield told me " no, the print out is enough ''. I have sent them another certified letter ( this makes three letters that have been sent out via certified mail to Hunter Warfield ) requesting that they remove this account from my report since it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 at XXXX XXXX I received a phone call. I wasnt able to pick up the call, but saw that I received a voicemail at XXXX for 28 seconds. It was a female stating to please call back before XXXX and said to call this number ( XXXX ) XXXX. I originally called the first number I received which was ( XXXX ) XXXX. I spoke to a male agent and I provided him my social to look up my account and he asked me if the person who left a voicemail had provided an extension or account number, I said no. He checked my first account and said its in good standing and doesnt understand why I was called. He then pulled up the other account which I initially provided a court order judgement signed by a FL Judge stating that the vehicle is not my responsibility to pay, only for the other vehicle which I am still paying. 
The agent advised me that the second account has a legal status and therefore, they were not able to attempt to make a call in regards to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Jim Bottin Enterprises, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated calls after repeatedly trying to remove my name and number from this debt collection agency. In violation of the Telephone Consumer Protection Act ( TCPA ) makesit illegal to solicit sales to cellular devices, via call or text message 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). This company has called me 27 times since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NETNET NEVER INFORMED ME TO PAY A MONTHLY INTEREST RATE. MY ONLINE ACCOUNT SHOWS THERE IS NO RE-PAYMENT UNTIL XX/XX/2020. THIS HAVE NEGATIVE IMPACT ON MY CREDIT REPORT AND SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification but was denied. The written explanation does not make sense based on the information provided for loan modification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XX/XX/XXXX National Business Factors , Inc. of Nevada have been trying to collect interest on debts not contracted with interest clauses

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The issue is with one simple transaction that I sought to dispute with an unresponsive online business who has repeatedly failed to process transactions as instructed and instead used ACH to process. In this case it was a small transaction. 

I complained through ALLY. Ally then called to verify my complaint. After some discussion they explained the policy of ALLY to shut down all ACH transactions. This was not agreeable to me. As a consumer, this process may be or become punitive in nature. 

The ALLY procedure, as it was explained, permanently shuts down ACH on ALL transactions. This would cause great damage to my reputation, financial ability, and credit score. 

I asked to not have the complaint and asked it be rescinded or reversed - I was told this is not possible. Again, damaging. 

This issue was with XXXX transaction with XXXX merchant. It is damaging to consumers to have such a policy. There is no ability to turn off disputed ACH items on ALLY.com - again potentially damaging. 

I want this repaired. If not I will bring my complaints to federal authorities. Its not that I want to spend time on this simple issue, it is that now ALLY has caused me great trouble and cost over a simple matter and potential damage to my finances. Consumers rely upon these transactions and it is improper to have a policy to resolve a simple matter that causes damage to consumers in the process.Consumers should have the ability to turn a specific complaint on or off on a specific transaction or specific business, or if they so choose on an entire account. Merely having a company wide policy to shut en entire account holders ability to avail themselves of ACH forever on their account is not only anti consumer but rises to punitive levels because this policy makes consumers unlikely to use complaints to protect themselves after they have suffered the effects of a complaint and its resultant costs ( fees, interest, credit score damage, reputation, etc.. ). 

I want ALLY Bank and XXXX XXXX XXXX, XXXX of ALLY Bank to repair this issue within XXXX hours.

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 2020-05-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I received a late payment alert on my credit after I advised Toyota that someone in our household had been furloughed due to COVID-19 and we needed to get on a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
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: Information belongs to someone else

Complaint:
There are three accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX/XXXX. The only reason I found out that these accounts are on my credit is because I applied for a personal loan today XX/XX/20 and I was not approved because of these three accounts. I have no idea who opened these accounts in my name without my permission but I did not receive any type of benefit such as money, goods, services or any other benefit as a result of these accounts being open in my name. I never made any payments towards these accounts and I do not have any type of contract or relationship with those companies and I did not give them permission to run my credit or view my confidential information. I have filed a police report regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Bread Financial Holdings, 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:
There is an inquiry on my XXXX report that Comenity Bank placed, when they claimed they could not access my report. So I contacted Comenity and they sent me a letter stating that they would remove the inquiry. 

I have sent this to XXXX  several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked Comenity several times why is the inquiry still there and they can not answer that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
to whom it may concern I was the landlord of XXXX XXXX XXXX, XXXX PA XXXX XXXX. The tenant failed her agreed obligated duty to pay for trash collection fees for a considerable time without acknowledging us, resulting in a 300 some Dolar accumulated debt to XXXX XXXX. 
We have since removed her from the property and paid XXXX XXXX {$350.00} on XX/XX/2019 over the phone with a spoken acknowledgment that the debt is cleared. 
But after XX/XX/XXXX, we still receive a letter every two months from Caine & Weiner with a debt collection letter with interest own addition to the debt. I've contacted both Cain and Weiner and XXXX XXXX regarding this issue 3 times on three different occasions and ended with no solution nor answers I need. I'm very concern for my own credit rating and the future impact this may have. 
The property is sold on XX/XX/2019 and I no longer have the property. But I receive the same latter from Caine & Weiner today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I paid this balance in full! And it is still showing a past due balance????!

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 2019-08-11
Company: EQUIFAX, 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:
There is an inquiry on my Equifax report that XXXX XXXX placed, when they claimed they could not access my report. So I contacted XXXX and they sent me a letter stating that they would remove the inquiry. 

I have sent this to Equifax several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked XXXX several times why is the inquiry still there and they can not answer that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

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 2019-08-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We sent to Select Portfolio on XXXX - XXXX XXXX a loan modification packet to modify our home loan to save our home Select portfolio is refusing to review our loan modification paperwork. 

We want to save our home and Select Portfolio is only interested in foreclosing on our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
In XX/XX/XXXX y call to de XXXX XXXX XXXX XXXX because i receive a letter whi indicates my Auto Loan is in past due and i made all the payments before 30 days of past due, they told me, i have a payment without the late fee and if i dont pay the late fee they dont apply the payment to the loan and now i have 3 remarks on my credit of 30 days past due. They broken or damage my credit score, all my life i have a very good credit score and they ruined all i made for my credit, i have all the evidence i make every payment. Its wrong ruined my credit for a late 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 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting false information about me and their negligence is preventing me from obtaining credit due to this serious error.

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 2019-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For over ten years now, Equifax has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by Equifax reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

Equifax must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX Synchrony Bank JcPenney card took a double payment from my bank account with auto pay. I have had auto pay set up for over 2 years never had this problem. I called them they said they didnt see it but there system had a glitch in XX/XX/XXXX.  So she gave me a fax number to fax a bank statement so I tried to do that and the number didnt work it was a line to talk to someone. So I called again they gave me another run around. So chase filed a claim and showed them they took 2 payments now Synchrony Bank sends me an email and is charging me double payment and a late fee but they still have one payment that they need to apply.

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 2019-08-11
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: Information belongs to someone else

Complaint:
Over the last year, I have since Equifax and XXXX multiple letters and documentation asking their companies to provide the documents that was used to verify the accounts I disputed. The last letter I sent was 30 days ago and they still can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete a information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
State: FL
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:
I have tried to call, email and log into my account with equifax well i think its equifax. 
on XX/XX/2019 and no help again. My information has still not been corrected on my report. My date of birth is still incorrect. My name has not beem corrected. Also, when I call it seems like the people are from another country so I dont give them my information. I dont know who else can help me.

Company response to consumer: Closed with explanation