BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX Citi Thank You Preferred XXXX. XXXX XXXX XXXX, KY XXXX Citibank XXXX. XXXX  XXXX XXXX XXXX, SD XXXX XXXX : Citi Thank You Preferred XXXX XXXX To whom it may concern : I just spent an hour on the phone with Citi agents, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I was informed that my Citi account was two months past due. Surprised, since my husband and I pay all of our bills in full and on time. 

I was told on XX/XX/XXXX, my account was registered online from my current email at XXXX. Yet, the two unpaid e-statements were sent to XXXX, an email account that has not been used in at least 7 years. That address was apparently provided to Citi in XXXX. I dispute the charges by Citi as deceptive and fraudulent. 

I offered to pay the statement in full, less the two late fees and interest that total {$81.00}, and was told once I made a current payment, they would request to waive one of the late fees. I dispute the two late fees and interest charges that total {$81.00}. I have enclosed payment in full, less those charges, in the amount of {$930.00}. I have requested that my account be closed. 

I never registered online for e-statements. 
Citi claims that e-statements were registered from my current email address. 
A search of my current email address has no record of any communication with Citi. 
Citi sent the e-statements to an email address that has not been used in at least 7 years. ( Why would Citi accept a request for e-statements from one email address, yet, choose to send e-statements to an address that dates back to XXXX? ) I confirmed, that prior to the e-statements being sent to the defunct email address, we have never been late in the past year. 
My husband and I do not receive e-statements on ANY of our accounts and would not have elected to receive e-statements from Citi. 




I have also been informed by XXXX that I have XXXX. Please redeem those thank you points and send me a check at my home address at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. 

I am formally filing a complaint regarding the practices of Citi with regard to e-statements and collection. I request a direct response from Citi regarding its practices. 

Sincerely, XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Office of the Comptroller of the Currency Federal Trade Commission Division of Credit Practices XXXX XXXX, Michigan State Attorney General

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 2023-02-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian credit monitoring company which was given to me free of charge due a data breach has been trying to sell me a way to boost my credit score by lowering my current score when I use my credit card. 

What happens I have a cash back credit card that pays me to use it, but the kicker is I never carry a balance I pay it off every month when the bill comes due. I have been able to get over thousands of dollars as cash back and never paid an ounce of interest, I have been using their money keeping my debt low being retired. 

I have tried to get them to respond, and they won't budge, they take away points and the next month it shows no balance but only return half of the points but will give me the rest only if I buy their boost program. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX they purposely are targeting me and discriminating.

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 2019-06-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Took away my ability to pay online and / or autopay

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 2018-09-05
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Disputed inaccurate bankruptcy information and XXXX refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan servicer states they paid my property taxes on XX/XX/2020 in the amount of {$4700.00}. However, the XXXX XXXX County Tax Assessment office still shows them as unpaid although the funds were withdrawn from my Escrow account. Since this time the property was sold and Escrow withheld another {$4700.00} for the unpaid taxes.

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 2019-11-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2019, at XXXX XXXX  I was contacted at my place of work by a representative of American Express debt collection named XXXX XXXX. I was previously contacted by another representative of American Express in the months of XXXX, XXXX and XX/XX/2019 repeatedly during work hours of XXXX. I have asked them to stop calling me at work, and they threaten to continue. My place of work prohibits any personal phone calls of any nature, and I have never provided my work phone number, employers name or address, at any time, to American Express or any of its representatives strictly because my employment would be in jeopardy to receive personal phone calls, even if they are bill collectors. I alternatively provided my home and cell numbers to American Express, yet they repeatedly call me at my employer 's offices threatening me. I have been warned that I will lose my job if the phone calls persist. American Express continues to ignore my request for them to stop calling my employer 's phone number. XXXX XXXX said he would continue to call me at work until the debt is paid, and that is abusive and harassment. Please contact American Express and ask them to stop harassing me. I would like for American Express to stop all phone calls and put their debt collection requests in writing. They are calling me 3-5 times per day, Monday through Saturday ; this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received mailed communication from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX. XXXX on XX/XX/2019, file number XXXX XXXX XXXX and one on  XX/XX/2019, file number XXXX XXXX XXXX. I called their office and they said the file was closed. I spoke with XXXX XXXX she indicated the company had " pulled back the file '' on both of these matters. I asked for a written communication verifying at the present time they were not collecting a debt. She refused, I explained that the legal notice they sent me indicates I must respond in 30 days and I need something in writing from their company telling me they were not collecting a debt presently. I explained if I didn't respond on whether I owed the debt or not within 30 days there were legal ramifications, I couldn't risk not responding by mail and having them take my silence a validating the debt that tried to collect and now refuse to send me written acknowledgement of the status. I asked her to check with her supervisor, she came back on line saying they would not send anything in writing. I asked for her supervisors name and she said it was XXXX XXXX. This entire call was in the office of XXXX XXXX XXXX XXXX of Michigan 's customer service center. I had to take time off from work to try to get this bill straightened out ( 2nd time for these same bills ). The XXXX customer service representative was taken aback by this companies unwillingness to provide this documentation. I assert I have a legal right to a written status of the collection action they started against me. They refuse to provide it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: MD
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:
Per the 1099 OID I filed with the Treasury/IRS this account is paid off in full please show as being paid in full for full amount Please see attached 1099 OID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created a Cash App account and was using the services, I was unexpectedly banned from the service for no reason and they would not disclose why I was banned except a vague " you broke our terms of service ''. I have tried to resolve this with the company and they refused to give me details or support. I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I have tried contacting Transunion and XXXX in regards to fixing the technical issues in my online accounts and they have failed to fix my issues. 

At the moment I am not able to see my free report, manage alers & freeze my report!!! I have called multiple times and have received responses that are a complete lie! 
Multiple representative have told me that it would be fixed in 24-48 hrs, some have told me that they would have an agent call me to fix my issues but so far NONE OF IT HAS BEEN THE TRUTH. I am unable to manage my freeze, see scores and manage my alerts!! I have zero control of my report which is affecting me and violating my consumer rights! Fix this issue ASAP

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 2019-11-12
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was billed over {$10000.00} by a hospital. All of that was paid by my insurance except for a {$75.00} co-pay. I told the staff that I could not afford the {$75.00} co-pay. They gave me " financial assistance '' forms to complete while I waited to see a doctor. I turned them in. They claim they lost them. Regardless, the debt collector has been charging me {$80.00} consistently. They never even sent me correspondence to dispute it. Although I have called and written them via their website disputing it. I also had my ( now prior ) insurance company call the hospital in an attempt to resolve. They refuse to absolve the amount claimed or seek the proper amount, pursuant to FDCPA and FCRA. They have harmed my credit on all three bureaus instead of complying with my requests and the law. Please make them pay and remove it. Thank you.

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 2023-01-05
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing the account ADVANCED COLLECTION BU, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On XXXX the Date Last Active is XX/XX/2022 and on XXXX the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: OK
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 sent a letter to Experian on XX/XX/2021 disputing inaccurate accounts on my credit report and they continue to verify these accounts when they are inaccurate leading me to believe that they did not conduct a proper investigation into my dispute. They are continuing to report inaccurate accounts even after my dispute. I have sent them several letters regarding these inaccurate accounts and not only did they violate the FCRA by not conducting a proper investigation, but they also violated the FCRA by not provide their method of verification. I read on the FTC website that furnishers and credit bureaus have to report information 100 % accurately. If that is the case, why is it so difficult to get inaccurate information corrected or deleted from my credit report if I followed all the steps given by the FTC and CFPB? I would like them held accountable for their lack of investigation and continuing to report inaccurate accounts after multiple attempts to get them to fix it.

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 2022-12-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past years ( XXXX ). Had people supposed to helping with loan modification, several time. Unable to pay mortgage due to loss of income in the past years. I was laid off and my income was less also. Had to pay the expensive insurance for my husband. Lost income of XXXX per month. His S/S did not begin until XXXX. Had to pay the bills with what money I had. My husband needed XXXX XXXX XXXX XXXX XXXX and our daughter to quit her job to be home with him daily. 
Several individual 's I pad to assist in the past stopped when my husband passed away last year. I am pleading for assistance it is just myself and my daughter, we have no other family alive, friends have turned their backs also. It seems the others just helped me into a bigger mess. If a short sale will help ok, I don't have any idea where we go. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: GA
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/XXXX I submitted a dispute to Experian about inaccurate information on my report. I disputed 2 accounts on my credit report and sent the letter out certified mail. Today is XX/XX/XXXX and I have not received a response from Experian about my request to delete two accounts on my credit report. 

I am the consumer and this is a direct violation of, FCRA as quoted, " According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. '' I am a natural person, I am the consumer 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 2021-09-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello I have contacted Suntrust about XXXX charge several time and filed a dispute. Suntrust dont email the dispute documents for me to complete. I have contacted the XXXX  and they are giving me the run around, so I emailed dropping the class before it started. Below is the email I sent to XXXX on XX/XX/2021 Orientation was today. I could not get into the orientation because access information was not provided. I called the day before the tech day to make sure I had the info but, was supplied inaccurate information. I have emailed the instructor and called. I have been on hold for almost an hour. This is the 3rd time I have called about the same problem with ridiculously long hold times. 
Why would an orientation class be held without having help in place? 
Does a school open without staff? 
At this point its hard to see how XXXX really cares about educating students when they leave them hanging like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: WI
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'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Balance Owed : {$11.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Exeter Finance Corp.
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:
This is concerning Exeter finance. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and it seems that this will never end. I check my credit profile weekly and have signed up for numerous credit monitoring services in order to monitor my credit profile. I have submitted a dispute in reference to a fraudulent XXXX account and this account is still reporting on my credit file. i submitted the required documentation and this account is still reporting. I have also submitted a complaint to the XXXX and the CEO as this is not 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 non-monetary relief
Consumer complaint received 2021-11-03
Company: Innovate Managed Holdings, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The date that this loan was open was XXXX XXXX and the amount that they are saying I owe is {$14000.00}. I applied to get a car from the creditor but was denied but they are saying that I got the vehicle and didn't make the payments. I never received the car and when I tried to reach out to them I could never get in contact with anyone. So to my understanding they took this off my credit but within checking my credit report I see that they are still on there. They are saying as of XX/XX/2015 I owe {$1900.00} which is not true!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
U.S. Bank, seeking excessive amount about 800K+. XXXX XXXX of XXXX XXXX told me not to attend the conference. He took the documents but never return them. I will uploaded copies of said documents. He didn't submitted them as exhibits nor challenge the different copies of the note the allonge and the assignment that clearly shows that the note was not transfer to USBank only the mortgage in a discovery. Please note the allonge from XXXX it doesn't have the name ( XXXX ) on it. But, the XXXX allonge has the name ( XXXX ) on it. 
Fraud

Company response to consumer: Closed with explanation