BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Balance transfer

Complaint:
Macys turned my account over to a collections agency however my current account is not nor has ever been over due. I requested a replacement credit card when mine was lost in the mail XX/XX/2015. When Macys sent me my new card they actually created a new account and did not sync my old account balance with the new one, I was not informed of this policy which I am told is for security purposes. There was a outstanding balance of XXXX dollars on my old account that I was completely unaware of. I was getting statements for my new account and did not know that I had an old account that was becoming more and more delinquent. I never received a bill or a phone call regarding the old account. It is now reflecting on my credit report. My husband and I are trying to refinance our house and this is making it difficult. I spent 2 hours on the phone with Macys only to be shuffled around to XXXX different departments who couldnt and wouldnt help me. I was told to call the collections agency even after they admitted it was an error on their end. I am currently taking care of my grandmother who has XXXX and can not waste my time on the phone with collections agents especially when their is no error on my end. I need help dealing with this because I am getting the runaround and no one seems to know how to handle this. I have done nothing wrong other than trust that when I was issued a replacement card Macys would do their jobs correctly and provide me with my correct and current account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
For the past couple weeks, I have been receiving letters from Synchrony Bank  (   XXXX .  XXXX   XXXX   XXXX , FL  XXXX  ) to verify transactions on a  XXXX  MasterCard  ( ac count ending  XXXX  ) I never opened. I do not know whether  one  was opened fraudulently in my name or if none was ever issued.     When I called the provided number (  XXXX  ) and talked to a "  Fraud Service Representative '' to clear up the issue and make sure no one ha d opened an account in my name, it became clear this was a fraud. As soon as I gave my name and explained the situation, I was asked for my full social security number. When I refused, I was then asked to give my full address and last  XXXX  digits of my SS #. At this point, I told the representative I would be reporting them and terminated the call.

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 2022-03-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I use Eperian as my credit monitoring service and almost daily I receive an email from them saying that they have identified several credit cards which match my credit profile.I then typically apply for one of those cards and I an always rejected because of info they have obtained from Eperian ; typically because I have applied for too many credit cards.

So here Eperian suggests several credit cards for and when I apply I am rejected based on info from Eperian.

So in effect they, Eperian, are encouraging me to apply for certain credit cards and when I do it adversely affects my Eperian credit

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 2020-03-22
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: Information belongs to someone else

Complaint:
someone had my information not sure but i'm blocked from getting online with all the credit bureaus

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 2018-01-23
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact this company at least 2 time about this company XXXX XXXX XXXX Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX/ nowXXXX XXXX XXXX still XXXX XXXX XXXX I have tried and my attorney has written a letter to Experian as well as your company Payment Status Details Balance {$510.00} Public Record Summary Public Records 0 Yet i recieved a report for credit from EXPERIAN that there is a Public Record that not true Experian is giving false  accounts of Public Record

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 2017-01-05
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
Sears Account XXXX Account inquires XXXX XXXX made at Sears, XXXX, XXXX, XXXX, OK XXXX XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX payment was applied to XX/XX/XXXX bill not to the XX/XX/XXXX bill. Item XXXX payment bill has a statement that I did n't make the XX/XX/XXXX payment. XX/XX/XXXX @ XXXX I called Account Inquires, spoke to Princes, I was informed that the XX/XX/XXXX payment was applied to my XX/XX/XXXX bill. I asked that the XX/XX/XXXX payment be applied to XX/XX/XXXX bill. The options I was given was a removal of late payment fee or the refund of the {$50.00} XX/XX/XXXX payment. I told Princes, that I did n't want that because my credit report would still reflect a no payment in XX/XX/XXXX. Princes connect me to the supervisor, XXXX, who gave same options. I informed her that the current system of payment in store should be updated. The system does n't tell you that you are making a duplicate payment and give you the option to opt out of the payment. The current system will cause the customer 's credit rating to be negatively impacted because you will have a " no payment '' on your credit report that is false. This will reduce your credit score in a fraudulent way.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX  XX/XX/2016

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 2020-03-22
Company: Experian Information Solutions Inc.
State: OH
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 got an alert on XX/XX/2020, that XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ) was in collections. I was so confused, I've never heard of this collection company. No one has called me from their company, I received no letters this just randomly appeared on my credit file. The very next day XX/XX/2020 I received another alert saying the debt was paid in full and the balance was showing {$0.00}. Ive called the number listed I was just put on hold multiple times. My final bill from the XXXX XXXX was paid DIRECTLY to them on XX/XX/2020. So of course the balance was {$0.00} I never owed them in the first place! XXXX. XXXX XXXX had no right to report anything to my credit file since they saw that it was paid through the original debtor. This had NOTHING to do with them. The debt was paid and handled directly with The XXXX XXXX. I am attaching that original receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to XXXX XXXX XXXX to resolve this issue. They haven't sent anything to show that I owe anything to them. They haven't validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have asked Experian for 6 months to verify my information that 's reporting or delete the items I questioned. In the last 6 months after several letters asking in fact begging for them to follow the law they have repeatedly ignored my request. I am not happy. I have attached the string of letters they have been unresponsive to. I need to buy a house and this is severely affecting my outcome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has not updated my accounts from a Charge-OFF. I have XXXX accounts XXXX. XXXX XXXX and XXXX XXXX which were sold to collection companies. Both of the accounts have been settled. I uploaded the documentation -settlement letters and resolution letters for both accounts. Since the collections companies do not orsubscribe to Experian. Experian will not update the accounts. 
I uploaded the letters resolution and settlement letters on XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. Within XXXX hours Experian closed the dispute without contacting the current creditors on the accounts. This laziness from Experian is hurting my credit as I am applying for financing. Experian states they can not update the new updated information unless the collection agencies subscribe to Experian. I am going in cirlces. The collection agenices have confirmed that the accounts have been settled.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more 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 2020-04-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On credit report, they claim the account was opened on XX/XX/2018 and I owed {$530.00}. I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America failed to pay my escrowed taxes that were due XX/XX/2022. I contacted them on XX/XX/XXXX, when I was notified by my town that my taxes were unpaid and had accrued a late fee. They opened up a case and I assumed the taxes would be paid immediately along with the late fee. I followed up with several phone calls after that and was told it was being handled. I then received another letter from my town along with an additional late fee early XXXX that taxes were still unpaid. I called Bank of America and was able to get through to a supervisor on XX/XX/XXXX who told me she can not confirm when the taxes would be paid because they still had not gotten any response back from their escrow/tax dept regarding my case. I now had incurred 2 months worth of late fees and asked her to have me removed from escrow and I would pay the taxes myself. She told me this was not a problem and would remove me immediately and I would have my escrow refunded to me in a couple of weeks. There was over {$4000.00} sitting in my escrow and I had to come up with other money to pay my taxes. I find out today ( XX/XX/XXXX ) that the bank sent out a check for my taxes on XX/XX/XXXX to my town. I paid the taxes on XX/XX/XXXX and told them NOT TO PAY MY TAXES. The town will be receiving a duplicate payment and by law has to return the Banks check to them because they paid second. They also did not even send late fees with their payment. Bank of America said I need to keep an eye on my account for when the amount gets refunded from the town back the mortgage account and then only to call and ask for an escrow analysis before they can give me any of my money back. This is Unacceptable! We are hard working people with a child in college. I had to come up with more money to pay my taxes when they already had my money. There is no mention that I will be even getting back the late fees I paid that they incurred! This would have to be a whole different request. I have paid off a couple of other mortgages in the past with other banks and this has never happened. Someone should be held responsible as they should not be allowed to get away with 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 monetary relief
Consumer complaint received 2022-03-28
Company: Meritize Financial Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am asking for proof of payment of my Loan provider ( meritize ) to my college ( XXXX XXXX  ) but They are not providing me the proof. I have been paying Meritize my loan for the last 4 years and still paying on time. i am getting no response from Meritize.

beucause of this, i am getting my certificate from my College. i called many times to Meritize XXXX XXXX They are not responding me even after repeated calls and request. 


loan Servicer - Meritize XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX https : //www.meritize.com XXXX XXXX  - XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, I have been in communication with Credit Service company Via certified mail regarding XXXX collection accounts. I have requested validation from Credit service company, and in response they have sent me a statement for both accounts. I have absolutely no knowledge of the following company's:1- XXXX od XXXX2- XXXX. 

I have explained this to Credit services Company In which they refuse to investigate. I have contacted the credit bureaus in return thay have stated Credit services company has validated the debts. I attempted to contact both XXXX XXXX and XXXX which referred me back to Credit Services Company. I have been in dispute with Credit Services COmpany for months with no response, Now they keep demanding money to these debts that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage on my building and my Mortgage Company failed to allow me the opportunity to refinance my property instead of foreclosing on it. They would not decrease the monthly payment so it was not feasible for me to make payments. The offer they made was more than what came in from rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX has installed chip readers at its checkouts. If your credit card has a chip the device will not allow you to swipe the card. Once you insert the chip the device asks for your pin. There is no way to process the transaction as a credit card. You are forced to use your debit card. This deprives the consumer of the customary protections credit cards provide and unfairly enriches XXXX by eliminating swipe fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Credit Card Receivables Fund Incorporated
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received notice on my job about a wage garnishment. However, I was not notified of a court hearing. This debt is on a credit card which I have not made any payments for over 10 years which far exceed the statue limitation on a debt in the state of Delaware. I have lived at my present address for over 8 years. I was not contacted over this time period. Nor did I make any payments. I was not notified where to send money. I do not remember having an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
This began as a hunt for information, and after over a month of being provided with information that was different from what I requested, I found out that there is no record of the information about my account that I am requesting. 

My subsidized loans were in deferment from the time my grace period ended until XX/XX/2016. They were then supposed to reenter deferment on XX/XX/2016, as I returned to school. The deferment did not begin until sometime in XX/XX/XXXX, and in that time I was still paying interest on my loan payments. I had no idea how much interest was actually on the account, because my bills only showed " outstanding interest '', which was VERY different each month. 

Fast forward to two weeks before my loans came out of deferment, and I paid over {$15.00} in interest on an early payment I made. I requested that the interest be applied to principal because there should n't be any interest to pay ; they told me I owed interest. My loan came out of deferment, and over {$15.00} ( 'outstanding interest '' ) was capitalized. Based on my records, I paid more than the total amount of money I should have owed in interest in total in the two weeks leading up to my loan coming out of deferment. I requested specific details about all interest ever on my account ; they showed me principal and outstanding interest only. I requested this information again, being more clear than before that I needed to know all INTEREST. They gave me the exact same document as before, this time only with more recent dates. 

I finally just asked to see how much interest was on my account when it went into deferment. Apparently, they do n't actually know. 

I 've never heard of such poor record keeping or transparency with someone 's money in my life. 

Based on the calculations I 've tried to make, with the help of my mother, who is an accountant, very little of what I have paid has made any sense. The interest is especially unclear. But thy continue to avoid providing me with the necessary information to figure out what my account balance should actually be, and today informed me that they do n't actually have a record of how much interest I was supposed to owe.

Company response to consumer: Closed with explanation