BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Every time I pay my Macys credit card bill in full I get charged a {$2.00} fee the next month. Before I knew about this shady financial practice I would ignore my Macys bill because I knew I had paid it in full previously but then that {$2.00} fee doubled and endured late fees and even went to collections. Several others are complaining about the same issue. I feel this is a fraud and possibly even worthy of a class action lawsuit. I would like all of the fees and late charges ever charged to my credit card after it had been paid in full to be reversed. Please look into this issue. It is not right.

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 2018-08-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XX/XX/18 - I initiated a dispute for wrong information online XX/XX/18 - I checked my report and found that my auto loan account had been changed ( This was not part of my dispute and up until XX/XX/18 it was reporting correctly.

XX/XX/18 - I called Equifax, spoke with XXXX, totally unknowledgeable and unclear English.

XX/XX/18 - I called back after XXXX refused to transfer me to a manager.

XX/XX/18 - Spoke with XXXX  who transferred me to XXXX  ( Like XXXX he continued to tell me I had to dispute the information, which is ridiculous since they changed it in error )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: PA
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:
The Equifax security breach is a horrible act of neglect on their end, and being affected by this has caused me to waste hours of my personal time in an effort to see if I 'm affected ( at best ), and may result in personal damages to my financials ( at worst ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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 information incorrect

Complaint:
THIS COMPANY IS REPORTING THAT MY PAYMENTS ARE DELINQUENT BY A FEW MONTHS THIS INFORMATION 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 2018-10-10
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried several time to discuss this information with company. I have no information to give company when asked. I have tried several times/years to get the information removed from credit. I have never had a cell phone other than the one that I have from the free service. I am home bound and have a landline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: STATE FARM BANK, FSB
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with STATE FARM BANK , F.S.B . I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and STATE FARM BANK, F.S.B with no successful resolution. XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX, XXXX, XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$12000.00}, {$4500.00}, {$4700.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -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 explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.

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 2018-10-10
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: Account status incorrect

Complaint:
I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, 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:
I recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is in reference to a Barclays Credit Card, XXXX XXXX XXXX XXXX. 

I closed my credit card account on XX/XX/2018 after paying all outstanding charges. 

On XX/XX/XXXX I recieved an email that I was past due on this closed credit card. 

After contacting the company on XX/XX/XXXX, I was informed that on XX/XX/XXXX, a company called XXXX XXXX submitted a charge which they claimed was made XX/XX/2018. 

I tried to contact their fraud department but they did not pick up the phone after 20 minutes on hold. 

I do not have the credit card number since I cancelled the card.

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 2018-07-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on Equifax reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am concerned about the validity and accuracy of the account which is having a late payment status on my credit report. XXXX XXXX XXXX XXXX is an on time paid account and should not be reported as such. Given the fact that I send my payments before the due is unfair when you see this error on your 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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 these late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for months. XXXX and XXXX have reversed them but XXXX is refusing too. 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. 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 2018-10-10
Company: EQUIFAX, INC.
State: HI
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 am concerned about the validity and accuracy of the account which is having a late payment status on my credit report. XXXX XXXX XXXX XXXX is an on time paid account and should not be reported as such. Given the fact that I send my payments before the due is unfair when you see this error on your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Simple Cash Loans, Inc.,
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
Someone took out a title loan on my car because they had stolen the my title from my residence. I did not know about this until very recently and I believe the title loan was taken out about a year ago. I have a XXXX XXXX XXXX XXXX XXXX XXXX. I purchased the vehicle in late XXXX of XXXX. I payed cash for it. The company that did the title loan was montana capital. I never authorized or would even think about taking out a title loan on my vehicle. The loan was for somewhere between {$7000.00} and {$8000.00} I believe. I do not want them touching my vehicle because it is mine and not theirs. I have the bill of sale and everything is in my name. I did not even know the title was missing. Can you please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: FISERV INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Transfer from XXXX to XXXX was stopped. Fiserv is currently holding {$500.00} from me. This money has to be returned to my XXXX account. XXXX is also known as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested validation of the late payments for my student loans with XXXX and US Dept of Education on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.

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 2018-07-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am presently working with a debt consolidation company to resolve my debt with XXXX XXXX. For over a month, I continue to receive up to 20 calls per day, and family members do as well. Now, texts are being sent to my family members with my information. I have communicated to XXXX several times to only contact me, but this has not been respected. My family members continue to be harassed, and my place of employment was contacted as well, which I know is not allowed. This is unacceptable to me. I have now requested that ALL calls cease immediately. I have not been successful resolving this issue with XXXX XXXX, and I am aware that the tactics they are using are not allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I entered into an agreement with XXXX to service my mortgage. After entering into the agreement, XXXX commenced to breach the agreement by refusing to credit timely payments to my account and instead reporting me 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 2019-08-28
Company: MIDFIRST BANK
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019, I tried to open a new savings account with Vio Bank ( additional name or website for MidFirst Bank ). After completing the steps for the application and providing all my personal information, a page opened telling me that they were unable to process my application and provided a number for me to call ( XXXX ). I called the number and spoke with a representative where I provided my name, the last four digits of my social security, and my date of birth. I inquired about why my application could not be processed and I was told that they would not provide me any explanation. I called again and was once more told that they would not provide me with any explanation for why my application could not be processed. I asked to speak with someone else about the matter and they refused. Left with no other option, I hung 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
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 writing to dispute the following information in my file. I recently received a copy of my XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately.

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 2020-06-03
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Commonwealth Financial Systems, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to dispute a medical debt that was never submitted to my insurance company. I have had the same insurance for over 23 years and have provided documentation two the debt collector however, the collection remains on my report. The date of service for the debt is XX/XX/XXXX however its reporting on my credit XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation