BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-11
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This started with the XXXX  credit bureau. On my credit report it detected a DORMANT Macy 's activity on XX/XX/19. I think it started out with only {$78.00} and change. It's now up to XXXX and change. Like I've told them, it's no problem for me to pay if it were my bill, but it's not so I'm not paying it. I have shouted to the rooftops over and over to this day that I do have that card and have never used it at all. I began a dispute with all three credit bureaus the very next day XX/XX/19 and since I'm new with that, my first mistake was including cleaning up everything else in the reports so they ignored my Macy 's dispute. I finally filed a FRAUD report on XX/XX/19 on Macy 's. They did what they're supposed to do, locking my account for one year and letting me know I can extend it to seven years, etc. BUT no investigation. I had to file disputes against Macy 's at least 3 times or so and each time it came back however the results say that I'm responsible. I went to Macy 's and had a chat with them 2 different times ( I'm deaf ). I saved the transcript, faxed them to the credit bureaus and nothing yet but XXXX seems like they do want to help. They wrote back and said my fax was too blurry and asked me to send everything by postal mail which I'm going to do today. It would've been much sooner had I not have so many health issues , dr appointments out of town and in town, and so on and so forth. But today is the day I'm getting everything printed, copied and mailed. I just happened to see your site and this is hopefully my nail in the coffin with all my hard work since this all started in XX/XX/XXXX. Macy 's is very uncooperative. They refuse to tell me any type of paper trail of how the transaction occurred, who paid any bills, etc. They did manage to tell me the transaction in XX/XX/XXXX was for a pillow! I said no way would I ever purchase a pillow online,, that is something I need to purchase right there in a store, to feel it to see if it's comfortable, etc. The chat agent hurried up and disconnected before I had a chance to tell her no, I can not call that number I am deaf. Then I inititated another chat right away to say just that and the next agent did the very same thing, cut me off while I was saying hey don't do that to me! So the credit bureaus were NOT investigating at all, just going by Macy 's word, and Macy 's never cooperated and still isn't. Meanwhile, my credit score has taken a major plunge. This has been a total nightmare. I had just built my credit score up to close to 700, now it's down somewhere in the 500 's, I don't even want to look at it, it makes me sick.

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 2019-11-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased new XXXX in XX/XX/XXXX had a car for ten days and got totaled. It was hit and run not even my fault. I made two payments one in XXXX and second one in XXXX because Toyota didn't want to release any information to my insurance because car was under my name. Finally in XXXX check was sent to Toyota Finance and car was payed in full. In month of XXXX I ever received a phone call from them if I am ready to get in a new XXXX. In middle of XXXX I received Billing Statement from Toyota Finance which I am attaching as a evidence. In this statement they are stating how I owe {$550.00}. So from XXXX until XXXX it took them four month to realize there was a difference between check they received from my insurance and there documents. They already release the vehicle and title so if there was a difference in a pay off amount why did it took them four month and why did they release title if vehicle wasn't paid in full? Also look at the dates please statement date on the billing statement is XX/XX/XXXX and due date is XX/XX/XXXX. Toyota Finance already put me on collections on XXXX of XXXX. I recently checked my credit because I am looking of buying my first house and seen what they did to my credit. Toyota finance should be prosecuted for this. 
Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has charged a total of {$3400.00} to my credit. I did not have a lease with them. They do not have any information about this when I call. I rented month to month from them in XXXX and XXXX. I moved out in XX/XX/XXXX, after a 60 day written notice. The rent was {$750.00} a month. There is no way I would have accumulated {$3400.00}, that's nearly 5 months of rent. Fair Collections and Outsourcing is now the debt collector in charge of this account. They continue to update my credit report every month to make it look like I'm missing payments on an account that is to be dropped from my credit in a matter of months. Also, I've never made a payment arrangement with them, as this is NOT my debt. It is an illegal thug tactic by a slumlord to weasel me out of more money. 
They've also messed up the date the account was opened. If I left in XXXX, the start date for the account should be 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 2023-03-12
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage is being serviced by the company XXXX after it was sold to them from my original lender. When the mortgage was originally obtained, I did not put down the 20 % and had to include mortgage insurance in my contract. Per my mortgage contract, the mortgage insurance is required to be lifted once my mortgage is at 80 % of the home 's original value. On XX/XX/, my mortgage is past that rate but the company has continued to remove mortgage insurance in both XXXX and XXXX of XXXX  and have ignored all of my requests for them to stop doing so.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A indigo credit Card was opened in my name. Now its been reported on my credit as closed account due to inactivity but still reporting of payments has been late and then on time the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PDQ Service Inc. has requested an amount I dont owe. I have provided documentation from XXXX XXXX. Courthouse showing the debt owed and refused by XXXX XXXX. PDQ Service Inc. still demands and reports the incorrect amount. Considering that this is an landlord debt, this is hindering me from moving. I have trying to resolve this for the duration of the last few years it has shown up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I HAVE HAD ISSUES WITH FRAUD IN THE PAST AND I WOULD LIKE MY REPORT TO BE BLOCK AND NOT INFORMATION RELEASED WITHOUT MY CONSENT. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear CFPB : I have a HELOC loan with Huntington National Bank. AccountNumber XXXX. Back in XX/XX/2023, Huntington National Nank asked me to provide flood insurance for the property. I called them and uploaded all of the required proof of insurance and the Huntington representative told me that I am fine with the insurance requirement. However, today I just found out my HELOC was charged {$830.00} for insurance that I didn't authorize to pay. I didn't get any notice or warm for this charge.

I tried to call Huntington National and was told the customer service of their HELOC department is not working on the weekend. 

Hope CFPB can help solve this issue on the unauthorized charge. 

Thanks a lot! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: U.S. BANCORP
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 made a transaction with US Bank on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on US Bank 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. US Bank is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.

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 2019-11-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is continuing to report three inaccurate public records after multiple dispute attempts online. I have verified with the data furnisher that they do not provide any information to any third parties. Therefore my report contains inaccurate non verifiable information that needs to be removed.

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 2020-11-26
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: Their investigation did not fix an error on your report

Complaint:
My Complaint, is based on Experian not verifying an alleged bankruptcy that continues to stay on my Credit Report XXXX with their bureau. I contacted them online XX/XX/2020, they responded XX/XX/2020 stating the item is Certified to Experian. The Bankruptcy is not accurate and I was quite upset as this was an automated response. 
On XX/XX/2020 I requested from Experian a re-investigation of how their Bureau came to have this erroneous data on my report, per FCRA 611 ( a ) ( 6 ) and ( 7 ). I asked them to provide the person, address and telephone number of each Court official contacted regarding the alleged record. Also the Court that Validated the information, and the EXACT address. I also requested any documents from the Court regarding their initial investigation in my Experian report # XXXX. My request allowed them 15 days to complete their RE-Investigation as FCRA states. I requested in the absence of Documentation they immediately expunge the inaccurate record permanently from my record under XXXX. I received NO response so on XX/XX/2020 I wrote them requesting they immediately remove the Bankruptcy as they violated federal law by not doing so. I am uploading a letter from the Courthouse stating they do not verify BK filings with CRA 's, also my return receipt documents that show the company received my XX/XX/2020 letter on XX/XX/2020, also my 3rd letter XX/XX/2020, which Experian received on XX/XX/2020. I also enclosed a suppression letter, a security freeze from XXXX on XX/XX/2020 due to dark web activity on my accounts, and credit report requests by various banks in XXXX I did not authorize. Its very disheartening how Experian continues to verify inaccuracies on my report, and not respond in a certain timeframe that the FCRA allows them. My frustration is why I am making this complaint to the CFPB. Experian is NOT contacting the Court or any 3RD party data furnisher, just continuing to keep unverifiable items on my report. I appreciate any enforcement you can perform on my behalf to get this inaccurate information off my report quickly. I will upload my documents so you can see how I have attempted to resolve this wrong information many times, in a professional manner. 
Thank you very much. 
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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.

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 2023-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A USAA representative encouraged me to add overdraft protection to my account that would be linked to a USAA credit card. I was not properly notified at that time that overdraft protection charges would be classified as cash advances. As a result, I was unaware of {$4.00} of new interest charges on my credit card account, despite a payment in full the previous month. Over 5 months, without any new charges on the account, additional interest was accrued on the {$4.00} until the total amount due exceeded a {$5.00} dollar threshold and USAA notified the credit bureaus that I was 30 days late. The damage done to my credit seems punitive and could have been avoided if USAA notified me properly, if I was not encouraged to sign up for this feature, or if I was not encouraged to opt in to paperless billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: AZ
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 have disputed the late payments on this XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months.The credit bureaus did not reverse the late payments.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-07
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX debt collector called and reported I owed a debt they are collecting. From check n go in 2018. They verified my name and then the last 4 digits of my SSN. I expressed my disbelief in this debt, as I have never used this type of service and was hung up on. I called the number back, another individual answered verified my name, again the last 4 digits of my SSN, and I then asked for my address to receive dispute forms, which was then read to me. I expressed my disbelief and was then again hung up on. The debt, they claimed, stemmed from 2018. I have never used check n go services. Frankly I am in high disbelief that i would have been able to qualify for their services in 2018. XXXX debt collector called from XXXX. I will wait to see if this company can provide proof of this debt. I contacted Check n go, Allied Services debt collector for Check n go, they state they have no record of my SSN. As of now this appears as though a phishing scam or bad collecting practices if this is a real licensed debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: WA
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:
Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to Equifax with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has re aged the entry on the XXXX ( XXXX XXXX XXXX ) to XX/XX/XXXX. A dispute was filed XX/XX/XXXX and it came back as " verified ''. The furnisher of the account is reporting inconsistent information between the bureaus so how can anything be considered accurate? Another attempt to delete this information has been submitted as of 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