BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX ACCOUNTS : -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 Subject has not satisfied debt. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2015-12-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase 's " balance '' on my card and what I calculate from Chase 's own records that my balance should be shows a discrepancy of $ XXXX- {$300.00}. I 've complained repeatedly and they are evasive ; they do n't answer my questions directly. I 'd be happy to provide a spreadsheet, except since I complained they 've made unavailable previous transactions, and in fact, I ca n't see my complete transaction history since I bought the card on their site. I 'll upload XXXX versions of my " complete '' transaction history, XXXX from the day of my first complaint, XX/XX/XXXX and XXXX from today. You 'll see that they allow me very little access to my own information, most likely as a way to ensure that I do n't see what they 're doing. The fact is, the XX/XX/XXXX statement goes back to XX/XX/XXXX, and before that I paid off every single bill in full every month. Combining these XXXX documents should make the current discrepancy clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
XXXX XXXX is telling me something is not right because the company didn't do a right to cure I telephone the police and asked them they said it was not a cure on that vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I submitted a complaint against XXXX in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed an item twice with Equifax. This item is case # XXXX. XXXX and XXXX removed this item after the investigation. Equifax refuses to remove the item. I have attanched a court look up of the file number and the response from Equifax. I have also contacted the courts to ask about the item, but it does n't exist. Please contact Equifax to have this item removed from my file. This is against my consumer rights and is an illegal act. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Macy 's credit card services recently underwent an online site update that has made it impossible for me to view my statements or update a payment. Without my consent, Macy 's changed my automatic payment from minimum+ {$100.00} to simply the minimum payment, causing me to incur interest I do not want to pay. When I talk to customer service they say they can not fix the issue and that I have to login to do so. Macy 's online site has been unavailable for weeks and I am now going into a XXXX billing cycle with this problem. Also, because I have electronic statements, I can not view them. Macy 's refuses to fix the issue with my account and therefore I am not able to review my account, check it for fraud, etc. They also refuse to give me any updates on when the issue will be fixed and frankly will not speak with me regarding the source of the problem. They only state " we do n't know when it will be fixed, try logging in tomorrow. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Late fee

Complaint:
I have a Macy 's American Express card. My payments are ALWAYS on time. For the past 5 months ( I have statements to prove ) they have sent me my bill with late fees, purchases and interest charged. This account was requested to be closed and I do not have a credit card to even make purchases. Each time I have called they give me a hard time then they say your are right we will make the adjustments. They tell my my new balance and minimum payment. I make the minimum payment and again they send me my bill with late fees, purchases and interest charged. I called a few months back and I was told that they were sending my payments to another card. When asked for that account they told me they could tell me. This is beyond ridiculous and I am frustrated and tired of getting this fraudulent bills and then I have to take time out of my day! Please help me as I want to pay this amount off and never ever use an American Express card again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have the same complaint that everyone else has. Macy 's trying collect wrongful change. Macy 's switched my account to an American Express card which I never activated. About six months later I started getting collection calls when all was said and done I owed Macy 's over {$300.00} for billing charges/ late fees. I never charge anything for past 2 years and they keep sending me the bills. Macy 's account showing a past due amount with a late payment charge of {$27.00} plus an interest charge equal to 24.75 % yearly rate on the unpaid balance.I have called Macy 's Customer Service twice to Complain to them about this Charge. I just received this letter saying? I am attaching the letter with this compliant.

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 2016-03-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I have a macys card which was switched over to XXXX and the XXXX folks confirmed that I did n't receive a statement or notification that a balance was due. While they are reversing the late charges and updating the credit agencies, my credit limits were reduced ( on a citibank card which I learned from trying to balance transfer funds ) which will cause me to incur finance charges that I would otherwise not have to incur. While I am not asking for anything I think it would be beneficial for XXXX and Macy 's to communicate to cardholders when there are charges due on an account. I specifically asked if an email notification or other notification was sent via billpay and they said " No, we apologize and will reverse the late fees and update the XXXX '' While this is a basically 'acceptable ' response it caused me to spend time and effort on something that should not happen. Ideally I want XXXX XXXX dollars so I can retire and educate people on this but I know that 's not realistic!

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 2017-04-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX XXXX XXXX and my brother 's being XXXX XXXX XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.

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 2017-03-27
Company: National Credit Systems,Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has been working on my behalf to dispute and remove accounts with National Credit System. The account has been paid for over a year and they are still reporting to XXXX bureaus. I called today to try and dispute over the phone and they told me to send a removal letter instead of a dispute letter like they have on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Rent Recover, LLC
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The issue is that a company named Rent Recover LLC is continuing to report thecollection account as " open '' when it has been discharged since XXXX/15. I have attempted previously to get this resolved with Rent Recover directly. I was told they would not remove this from my credit profile unless I paid it in full. It continues to show as an open account. This needs to be REMOVED immediately.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-02
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Previously I was utilizing a lawyer to prevent a foreclosure on my house. As of XXXX XXXX, 2015 I am no longer using legal services. Prior to XXXX XXXX I had requested multiple times to get a lost mitigation package. The person handling my account would not respond. I called and left messages, emailed and faxed many times but I was ignored each time. Several times my husband called and was ignored too. Our circumstance has changed and now we have a little more finances to work with but the mortgage company wont take the time to hear our pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: P&B Capital Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
A number would appear numerous times a day on numerous phone numbers ( home, cell, work ), but never a message. Today I called the number back to determine who and what. I asked the lady to please tell me who they are and why they insist on calling many times a day without leaving a message. Her name was XXXX and she became very irate. After receiving her verbal abuse for about 4 minutes, I asked for verification documentation. She indicated they already sent the information. I asked her to verify the address. She told me she knows I got it, they have verification of when things are delivered, and I ca n't lie my way out of this by saying I did n't receive the documentation. She blatantly refused to verify or update my address. I admittedly did not react well, called her a few unfavorable names, and hung up. 

I called back and spoke with a very nice gentleman who agreed to update my address ( they had an incorrect address on file ).

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am in the process of buying a home. I have contacted Transunion several times to remove my disputes so that my credit report can process in my lenders under writer system. This has been going on since XXXX of last year when I originally tried to purchase a property. This is effecting my ability to close and qualify for the first time home buyer program. I have called several times over the last year.

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 2015-09-09
Company: Solidus Group LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I recently had a recent installment loan with XXXX XXXX XXXX. I defaulted and agreed to pay down the loan by XXXX a month. In which the company agreed. After doing so for the past 3 months I received a call from someone at XXXX ; advising me that I am being sued and soon to be prosecuted for writing a bad check. I asked what is this regarding and they advised me to speak to Solidus group at XXXX. I Then called, and I was advised the same thing that I am being sued and if soon to be prosecuted criminally for writing a bad check, I advise the gentlemen XXXX XXXX with Solidus group I never wrote a bad check to XXXX ; I changed my checking account info due to the recent XXXX. Credit and checking acct Hack ; and that I have been in a payment agreement with XXXX for the past 3 months so I am unsure as to why you are threatening me. I advised them that I am in a financial hardship due to paying my grandmother medical bills and I am only able to pay the XXXX in which XXXX agreed to ; I was told that payment arrangement is not acceptable and we are going to prosecute you civil and criminally.I continued to ask repeatedly during the conversation is this a collection agency and the gentlemen refused to answer the question. PLEASE HELP.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
After seeing a promotion on my Citi credit card website, I saw that CitiBank targeted me for a promotion which selected Citi AAdvantage Platinum Mastercard holders and offered them XXXX AAdvantage miles if the targeted customers opened up a CitiGold checking account, made {$1000.00} in purchases, and 2 bill pays. 

I called Citi to opt in to the promotion, opened up the Citigold account, made all the spend limit purchases on the debit card for XXXX and the two bill pays - I did all of this and have yet to get my points, a proper response from Citi, and am being totally stalled. 

I have contacted Citi MULTIPLE times via phone, online messages, and chat. There has not been a proper response, and Citi even got the dates wrong and told me one thing and then another for their 'investigation ' into this matter ( I complained on XXXX XXXX, was told I 'd get a response in two business days, never did- contacted them again ... no response, said my complaint was on XXXX XXXX!!! ) I 've read reports online that this is happening to a lot of people, and it is a shame that Citi has swindled so many people.

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 2016-07-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
Macy 's somehow got my XXXX year old Mother 's phone number. They called her 3 times before noon last Sunday regarding debt collection of my account. I am XXXX years old and have never give my mother 's number to any credit card entity. It upset my mother terribly. I called - It took three tries to find someone whose English I could understand. Finally I got " XXXX '', a rep, who refused to tell me how they got her number. He finally did say it was added XX/XX/2015. I have been ill and unable to work. I have told them I will pay as soon as I can. While I was on the phone " XXXX '' over and over kept trying to get me to say I would pay by next Sunday. I told him I would not say that -- that I would pay as soon as I could. He kept on saying the same thing over and over. I feel calling my Mother at all and even worse on a Sunday, as well as the way XXXX kept trying to get me to say I would pay by the following Sunday, when I told him over and over I would not say that and I would pay as soon as I could is out of line and total harassment of both my Mother and myself. My Mother was EXTREMELY UPSET!

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 2017-04-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being 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 2022-04-19
Company: EQUIFAX, INC.
State: NY
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 have been waiting for a late payment to come off my report for 60 days its been almost 90 days, the Creditor of my account sent a letter out XX/XX/XXXX and there is still no change of the account, This late payment is ruining my life. The creditor has requested that the XX/XX/2021 must be accurate to paid on time. I have attached my license and the letter from the Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been waiting for a late payment to come off my report for 60 days its been almost 90 days, the Creditor of my account sent a letter out XX/XX/XXXX and there is still no change of the account, This late payment is ruining my life. The creditor has requested that the XX/XX/2021 must be accurate to paid on time. I have attached my license and the letter from the Creditor

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 2016-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The reply from Equifax WAS NOT the CORRECT RESPONSE from my complaint XXXX. 

1 ) The issue complaint Equifax to remove XXXX from my credit reporting just like Equifax removed other creditors from my bankruptcy Chapter XXXX. 
2 ) I did not had to contact my other creditors to have items removed from my bankruptcy, however, Equifax did removed other creditors that was associated with my bankruptcy. 
3 ) Equifax refusal to correct this problem is a clear action on their part of unfair credit rating with discrimination damaging my credit rating. 
4 ) Equifax refuse to reply with the correct response also clearly is action that they do not want to correct the issue with my credit rating. 

( see attachment : cover up other creditors to prevent Equifax from adding back other creditors on my credit report or committing another unfair action against my credit report ) Thank you XXXX XXXX

Company response to consumer: Closed with explanation