BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-25
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On the XXXX of, XXXX XXXX, was in process of ordering 2 pairs of XXXX XXXX sunglasses. During the second order that order was instantly swiftly taken from me on my computer and charged to, my Macy 's charge account which was a XXXX XXXX balance. I, had to stop and for the next while cancel the order. I, tried different ways to let them know. The employee 's were in. I, had paid the 1st. order with my debit card and that is what I was using with the 2nd. pair. When I, received my sunglasses I, received two. The second order address was to XXXX, Tennessee. The order was delivered to her the next day. The next morning I, was charged {$100.00} without my consent or, acknowledgement. Again after several attempts I, talked with the shysters. No remorse. They lied to me a few times and told me on XX/XX/20 XXXX would p/u.. It didn't happen nor on XX/XX/20 and the mistake they made has " bate and switch '' got my money free of charge! City Bank services Macy 's account. There is not a " dept. store service bank ''!. On XX/XX/20 my account still has my money. The cancelled order is still outside for p.u. since XX/XX/20 @ my expense. I, definitely want to be compensated. To me this is a Federal Offense. I, prefer charges be brought upon them. I, am filing a formal complaint and I, want charges brought against Macy 's employees that have been involved. 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 2020-07-07
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2020-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DID NOT BELONG TO ME. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: NC
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:
In early XX/XX/XXXX we received a statement showing a payoff amount and due date of XX/XX/18. XXXX XXXX   proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XX/XX/XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts.

This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of my apartment, XXXX XXXX XXXX, and was told I did not owe a balance prior to moving. I was told my balance reflected and amount of {$0.00} and I could simply just move out. A few weeks goes by after I moved and I receive a letter in the mail from a debt collector demanding a payment of {$160.00} to XXXX XXXX XXXX, I immediately contacted the property and was told the amount is due because I did not pay my utilities being trash, pest control, water, and sewage for the month of XX/XX/2019, XX/XX/2019, and XX/XX/2019. This is false because my utility bill is included with my monthly rent. The lady I spoke with did not fully explain why I was being charged that amount and refused to send me any information pertaining to the amount. This was not disclosed to me when I moved out or prior to me moving out and the property did not give me a chance to pay the balance nor did they tell me a balance was due prior to me moving. They turned me in to a collection agency and I had not been moved out of the apartment not even 30 days. Also, the property has since changed management companies and I even spoke with the regional director, XXXX XXXX, who told me over the phone that he would look into the issue, but never called me back and I called him four times after our conversation and did not hear back from him pertaining to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days 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 2023-02-07
Company: Resurgent Capital Services L.P.
State: NC
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:
Please note that I do not recognize this account and have asked several times for actual debt validation. I only received statements for this account that I am not aware of. I have placed a fraud alert on my accounts, and reported identity theft. Please be advised I was notified that my information was apart of the XXXX data breach and my personal information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/18, I sent freedom mortgage an email requesting 12 months of mortgage payments deferment under section 8 because I was fired from my job XX/XX/18 ( documents provided to them as proof on XXXX ). 

The request for deferment was denied by freedom mortgage on XX/XX/18 because they don't do deferment.

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 2018-03-09
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been in the process of trying to repair my home for a month now. With current regulations the mortgage company holds all funds from the insurance company to make the repairs. During this process I have been told daily that the funds would be released to my account so that I can pay the contractors. I am now 3 business days past the original date I was told. The company is unresponsive and gives the same answer but offers no solution and will not follow up on their word. Dovenmuehle has been in possession of the insurance check for two weeks now and has yet to release a dime. I have completed all paper work and they have stated that the funds should have been available to me.

I have called multiple times and I get the same answer that they will be available tomorrow but it never happens. I am beginning to believe the company is fraudulent and I am being scammed out of $ XXXX in home repairs. I am now paying contractors out of pocket and will be negative in all my accounts causing more headache and fee 's all because this company does not care about the consumer/customer and has taken an excessive amount of time in completing the simplest of tasks. The LOSS DRAFT DEPARTMENT should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Midwest Recovery Systems
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:
Just checked my credit report on XXXX XXXX and seen an account in collections for a payday loan which I did not take out. 

XX/XX/18 Mw Rec Sys {$310.00} Read up on the collection agency and it turns out they're known for payday scams. Also, my bank recently cancelled and reissued my bank card saying my information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In review of my credit file, I noticed a collection account. The account is in the amount of {$730.00}. I have written the collection company to validate the debt in XX/XX/2020, but have not received an response. It has been over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: COAST PROFESSIONAL INC
State: FL
Product: Debt collection
Sub-product: Private student loan 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, Coast Professional called my personal cell number. They asked for me. When I asked if they consented to the call being recorded they hung up the phone.This is the second time that Coast Professional has called me after I sent them a cease and desist letter that dictated that any and all future communications are to be in written form. This is also the second complaint that I have made through the Consumer Financial Protection Bureau. After the first complaint I received a reply that " At this time your account has been updated and placed into a no calls status. We apologize for any inconvenience this may have caused ''. This is evidently not the case and this phone call is in violation of section 805 ( c ) of the Fair Debt Collection Practices Act.

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 2020-07-24
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
They refuse to honor fraud protection. There was an unauthorized charge on my credit card by a scam merchant. The merchant stole my email address, card number and billing address, yet Barclays still put the entire charges back on my account.

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 2020-07-24
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was in correspondence with a gentleman from XXXX to purchase a pomsky puppy from him for the price of {$810.00} all seemed promising he informed me to transfer the money through Zelle I signed up for a zelle account and was only able to send {$500.00} so he and I agreed I'd send that and when he shipped the puppy I would send him the remaining {$310.00}. I was guaranteed that the money was 100 % refundable and was no risk if I changed my mind. After hours of waiting for him to send the agreement paperwork I got suspicious and questioned him he told me to relax and he would email me the agreement which he did at this point I was uncomfortable and realizing I had made a very poor decision. I contacted my bank to cancel the transaction and was informed that I couldn't cancel the transaction but would have to file a merchandise dispute. I than reached out to the gentleman once more in hopes that he would refund me the money and to no surprise I got no response from him so on XX/XX/XXXX I was back in contact with my bank and ultimately filed the dispute to which I was denied because I sent the money through zelle which doesn't offer any protection to the sender for fraud. I contacted zelle after speaking with the bank and was told the same thing. They would do nothing I asked what they planned to do with the gentleman who stole my money and was informed that they would close down his zelle account but that was all they would do in this case. After this I XXXX  the phone number of the gentleman with the puppy and there are 1000s of complaints about this animal scam and nothing has been done to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting erroneously on XXXX, Transunion and XXXX  credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX  has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.

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 2023-07-12
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: Old information reappears or never goes away

Complaint:
I have written and talked to them on the phone and was told they would investigate and update it in XXXX days. Nothing was changed. They claim no discrepancy was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/20 I called and requested my full disclosure consumer file from LexisNexis. My identity was verified and my report was mailed. On XX/XX/20, I sent in proof of identity ( copy of ID and social security card ) and correspondence requesting removal of bankruptcy, ALL old addresses ( and email addresses ) and requested to update my new address ( case number XXXX ). During this time, I mailed a letter to the US Bankruptcy Court and I received mailed correspondence dated XX/XX/20 stating they don't validate or verify bankruptcies or public records for LexisNexis or any other 3rd party companies. On XX/XX/20 I called in to request a security freeze on my consumer report, I verified my identity, and a PIN was created and mailed to me. On XX/XX/20 I emailed LexisNexis the letter from the US Bankruptcy Court and I requested the bankruptcy to be removed due to inaccurate reporting. On XX/XX/20 I spoke with XXXX and stated the 30-day statute ( from XX/XX/20 ) had passed regarding my dispute to remove inaccurate information. XXXX goes on to say that my identity couldn't be verified and that was the reason nothing was mailed. Any time I send correspondence, I always include a copy of my ID and social security card. Now all of a sudden, my identity cant be verified. In that recorded conversation, I requested yet another investigation for the proof of method of verification of the bankruptcy from my file ( case number XXXX ). Again, I didn't receive anything after the 30-day statute, so I sent another email on XX/XX/20. This time I received response via email stating to call LexisNexis. I called on XX/XX/20 and spoke with XXXX and he told me my identity could not be verified so that's why nothing was mailed. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to  contain only the last 4 digits of the individual 's social security number or tax identification number. FRCA 611 ( a ) ( 1 ) ( A ) was violated in each instance, therefore I request that this public record be removed from my report and an updated report be mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Ascendium Education Group
State: FL
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:
Unsubsidized FFEL Consolidation Loans I have been paying income-driven payments by an automatic deduction for years. At some point, the XXXX decided to change the way they do things unbeknownst to me and stopped my auto payment, thus defaulting me. When I figured I had to be close to payoff, I inquired so I could pay off any remaining balance cash I learned about the change and that there are no added fees. 

I never wanted to stop any payments, even when I was in school again or when the covid pandemic allowed for the temporary halt of payments. I should have been fully paid off by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Revolving XXXX credit account in good standing was terminated by Experian in error in XX/XX/2020. At that time I filed a dispute against the existing balance, as I had paid it off completely and it had not been reported. Instead Experian deleted it and I discovered the error about 2 weeks later when my credit dropped 24 points and pointed out the mistake. However, Experian refuses to correct the error or contact XXXXXXXX. XXXX says they are reporting the account as active but refuses to contact Experian to clear it up.

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