BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-05-10
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
Inaccurate information on credit 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 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I disputed this account with TransUnion file # XXXX and asked for the contract and i received a respond saying that this account is being reported accurate, This account is being reported to the credit agency by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX # XXXX, When contact XXXX they have no information or contract of this item. They gave a number to a agency that they say is handling this item as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX # XXXX. When contact this company they said that they are not handling this item, Though it's being reported by XXXX XXXX XXXX on my credit report i will like this item to be removed because it is being reported fraudulentiy to the credit reporting agency.

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 2018-04-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Iv got a Best Buy Credit card And on my last month on paying off on XX/XX/2016I payed the full amount of under {$100.00} at the store then couple years later iv decided to purchase a car from the dealer and they told me your Credit score was low because you missed 60 days on your Best Buy credit card payment which I strongly believe is not true

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 2021-04-12
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:
XXXX XXXX has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at XXXX XXXX. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 DISPUTED VARIOUS ACCOUNTS AND THE MAJOR CRA 'S HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES THEM TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT THEIR CLAIM, ORIGINAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.

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 2023-05-15
Company: Factor Trust
State: NV
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:
These companies are selling buying and reporting my information with consent which is violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We have been a customer for 12 years and never missed a payment. We received several calls marked as spam, and finally, on XXXX XXXX, we picked up one, and we started saying, please take our name off the list, and the rep said, " this is XXXX  ; you are late on your bill. '' We talked to the rep, paid the entire amount ( ~ {$240.00} ) due on the phone, and even waived the late fee ( {$40.00} ). A few days later, I received an alert from my credit monitoring service saying my account is delinquent, and when I checked, it was the same Macy 's account. So I called Macy 's, and they informed me that I was late for XXXX and XXXX, and yes, the account is paid in full. I told them I never received a paper bill and went to the post office, who reviewed our past 60 days of mail and confirmed that we did not receive anything from Macy 's. The rep then said that we had been signed up for electronic bills. I then searched my email account and found that all Macy 's emails are directed to the junk folder. I believe Macy 's used predatory practices to switch people to electronic billing and deceptive marketing to collect the money without informing the customer that waiving the late fee does not equate to removing the negative reporting. I ended up closing my account with Macy 's and will never buy anything from them. Even though they claim that we signed up for e-billing, I received a bill from Macy 's In XX/XX/2021 of {$2.00}

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 monetary relief
Consumer complaint received 2018-04-27
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: Their investigation did not fix an error on your report

Complaint:
Ive previously submitted a complaint for the actual company. Which removed its remarks from XXXX and XXXX .This one is for experian credit reporting who has not yet removed the XXXX XXXX XXXX XXXX XXXX remarks.. the other complaint was back on XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 a collection account was opened for a debt that I was not notified of. The original debt was from XXXX XXXX XXXX The collection agency is IQ Data International. The current amount is {$1600.00}. I have disputed this as the debt is erroneous. I have taken this to court and won. Attached is a copy of the court record/judgment. Please help me get this removed from my credit report. IQ Data international has been nothing but rude and not helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citibank froze my account in XXXX and requested proof of residential address in order to unfreeze my account. I sent in the requested documentation, and was been told it was accepted and no further action is required. Then 2 weeks ago they froze it again and have requested the same documentation already submitted, except now they will not acknowledge receipt of the documents and will not allow me to close my account. In XXXX I was able to email the documents and get confirmation of their receipt and validity within 2 days. Now they are asking me to fax the documents, which I did a week ago. I was told it would take 24-48 hours to review the docs and unfreeze my account. Today I'm being told it will take 7-14 days to review the docs and unfreeze my account. Each time I call I'm passed from one dept to another and back again and placed on hold for inordinate amounts of time between each transfer. I have spent over 4 hours on the phone in the past 6 days to no avail. I have asked to close the account so I can put my funds elsewhere, and they tell me I have to wait for the document review to be completed before they will close my account. It's like a " who's on first '' routine. These are the same documents sent and accepted in XXXX, and the same ones I faxed last week, but every day that I call the time to review is extended exponentially and I'm left without access to MY money. They have already received the documents and are now refusing to give me access to my money. I have attached the email chain from XXXX and on page 15 you'll see the confirmation of receipt and verification that the account was validated and no further action required on my part.

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 2018-06-12
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Due to my financial situation and being on XXXX I took out a loan thinking that I would able to pay it back, but due to the amount of accumulated interest rates and other fees, I'm unable to do anything about it. 

I have contacted this company ( XXXX XXXX ) on numerous occasions and have requested that they not call me, but they continue to do on a regular basis.

One day last week, they contacted me and just as I hung up the phone, they called right back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Changes were made to my account to were I could not leave link it and have not received a notice of this change, very inconvenient

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a letter yesterday from Truist bank that XXXX of my children 's old custodial accounts ( opened at Suntrust several years ago ) had been overdrawn, allegedly " for several weeks. '' The letter was dated XX/XX/XXXX. 

I had no knowledge of ever overdrawing any of my accounts. I received no notice in the mail of an overdraft, no online banking notification, no email, no text, statements. I received no phone call or voicemail. I had no knowledge of it ; I don't even know what kind of transaction could have been made to cause an overdraft. 

The letter informed me that the account had been overdrawn for weeks without me doing anything to correct it, so it was now charged off and in debt collection. 

They added a {$30.00} charge-off fee to the alleged overdraft balance of {$14.00} and asked that I send payment for {$44.00} dollars in an included envelope. 

I've searched through my online banking. I can no longer find any account information for this account now that they've closed it. 
I can't see any viable documentation to substantiate the allegations and demand of this letter. 

I had been a Suntrust account holder for a very long time and have never overdrawn any of my accounts before. 

I called the number on the face of the letter today, XXXX times to try and resolve this. I was answered by an automated system which placed me on hold and then sent me to voicemail. The recording said " They are not taking calls due to high call volume. '' When the automated system first answered, it prompted me to enter the XXXX phone number from which they left me a message to call them ( they never left a message. ) I entered both my number and my former number, though, but neither of was a match in their system. 
I then called Truist 's main number to work on the issue, but the representative was only able to transfer me to the line I couldn't get through to. 
Every facet of this matter seems like illegitimate/predatory banking practice. 

I'm being asked to pay something I'm unaware of owing with no supporting documentation or prior attempt to reach me and no means of communicating with Truist except an envelope to send them money.

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 2019-03-25
Company: JPMORGAN CHASE & CO.
State: NY
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/19 at XXXX I received an email stating that I requested new credit and debit card, because mine were damaged. I did not make such a request. 
On XX/XX/2019 I went to the Chase branch and informed that I did not make such activities. Chase employee suggested closing the old accounts and opening a new one. I agreed. As of XX/XX/2019 my accounts were closed and I do have a written confirmation. 
On XX/XX/XXXX I received a temporary ATM card. I asked chase employees if my previous accounts were closed for sure, they confirmed. I asked if them if its safe to deposit money to my new account. They stated that my accounts are safe and secured. On XX/XX/XXXX I deposited XXXX $ on my new ATM card. 
I received a new debit card in a week of XXXX of XXXX. I activated but never used it. On XX/XX/XXXX there was ATM withdraw for {$500.00} and XXXX $ dollars that I did not make it. Also i never shared by debit card pin or I never asked anyone to withdraw money for me. 
On XX/XX/XXXX I called chase and I made a claim. 
On XX/XX/XXXX I was informed that my claim was declined because whoever used my card knew my pin. They also informed me that the money where withdraw using my old debit card that supposed to be shredded on XX/XX/XXXX by Chase employees. 
On XX/XX/XXXX Chase representative informed me that they wont proceed with an investigation and that I wont be able to get my money back from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was serviced by XXXX for many years, in XX/XX/XXXX, after I got damage from Hurricane Irma they send me a letter offer me not to pay for 9 month mortgage without any penalty to help with home repaire, after that they offer me to extend my mortgage because I was owed them about {$3500.00} principal for two more years, mature mortgage date was originally in XX/XX/XXXX, they offer to extend until XX/XX/XXXX, and I agreed, and start paying them trial payments one month earlier in XX/XX/XXXX. Then they sent me a letter saying that my mortgage was sold to Selene finance and that from XX/XX/XXXX I have to pay my all payments to them, I was sending them calculated payments of {$590.00}, since then. In XX/XX/XXXXthey send me modification agreement to sign and notarized with a new mature mortgage date in XX/XX/XXXX, for {$590.00} per month which included taxes, principal and interest, hazard insurance included in my condo association fee, I pay separately, And Homeowners insurance I pay quarterly on my own.Since XX/XX/XXXXSelene Finance asked for proof of insurance and I sent them proof 5 times, my insurance agent also sent 3 times, and they still sent me letters saying that they going purchase insurance for me. Since XX/XX/XXXX they steer charge me {$710.00} instead of {$590.00} mortgage payments, I called them since XX/XX/XXXXabout 20 times, sent them more then 20 emails, and twice was trying to despite {$230.00} they overcharged me for XX/XX/XXXX and XX/XX/XXXX,  talked to them recently asked to recalculate escrow, they could not explain why escrow balance {$2400.00}, which {$1200.00} taxes {$1300.00} what that was for, since my mortgage payment included taxes? Also Had to overpay again and sent them payment {$710.00} on XX/XX/XXXX, by phone to not have a late fee, and they just sent me a statement for XX/XX/XXXX again overcharging me monthly mortgage payment and {$30.00} late fee! I feel totally helplessly and taken advantage of, and was seeking a legal advice, in this point, and they suggested take a first step and write this complaint.I really hope this would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX has mishandled my payment instructions and has delayed for several weeks in fixing its error. Submitted payment of {$95000.00} on XX/XX/XXXX, which XXXX misapplied ( even though I uploaded payment instructions per their direction 10 business days before sending this payment ). Previous CFPB complaint " resolved '' by XXXX and marked closed by CFPB, wherein XXXX stated on XX/XX/XXXX : " [ b ] ecause you provided special instructions for how you want the payment applied, the payment will be reapplied according to your instructions. Although it may take a few business days to process the reapplication, once it has been reapplied the payment will still be effective the date it was received, XX/XX/2018. '' It is now XX/XX/XXXX and no change. I now need to complete my annual re-certification of IDR and my loan balance is not correct due to XXXX 's continuing error. XXXX must do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Macys credit card company, DSNB, never sent me a bill or even attempted to contact me about a delinquent charge then refusing to fix the negative report on my credit after the small balance was paid in full.

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 2020-09-23
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: IL
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:
Once again look at all the previous complaints about Experian I have submitted. They are constantly lying about where they got information and how items were verified. I have disputed 2 Bankruptcies Chapter XXXX # XXXX and Chapter XXXX XXXX with them about 5 times now. They are constantly stating the item is verified. First verified by the courts and I have submitted proof that is not true and then they states XXXX  XXXX. XXXX XXXX has removed the bankruptcies because they can not verify the information themselves. Experian is constantly violating the FCRA. Attached you will find a letter from XXXX XXXX stating they deleted the accounts because they can not verify any information. Experian is constantly changing their stories. If they do not have any documentation in your files to verify the accuracy of these disputed account, then they are suppose to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report they damaging my credit. XXXX  and XXXX  have already removed these items. This has been going on since XXXX  and I have filed numerous complaints. the next step is the states attorney office as well as a law suit.

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 2020-06-28
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I felt shortchanged by the activities of the international remittance agencies. I have used Western Union and a host of other online platforms like XXXX, etc. Their exploitative tendencies needs to be curtailed. Thank God there is the Consumer financial Protection Bureau. For equity sake their RATES should be a two-way traffic.If {$1.00} = N371. Fairness demands that they accept transfers from both ends at same rate outside their transfer fees. Its criminal to take my {$1.00} and give me N374 but when i bring N374 you would refuse to give me {$1.00} because the real rate is $ 1=N430 or more. Please let them effect a two-way equitable transfer and rate.

Company response to consumer: Closed with explanation