BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I was charged a $ XXXX late fees on a monthly basis after I enrolled in auto-pay with Macy 's credit card, which totalled {$230.00} plus {$10.00} interest for this year alone. I authorized the auto withdrawal from my checking account on XXXX/XXXX/XXXX when the billing due date was XXXX each month. Macy 's changed it to XXXX without my knowledge and started to charge late fees since XXXX until now based on the two days difference. I did n't notice this until receiveing the current statement yesterday, XXXX/XXXX/XXXX, and called Macy 's, and was only given a {$19.00} refund. When I set up this auto-pay, the due date and withdrawal date was arranged between Macy 's and my bank. I have no hand in the process. I do n't understand why Macy 's changed their due date but persisted on the original withdrawal date so as to create a gap for late fees and allowed it to continue for almost a year? I have more than XXXX other auto-pay arrangements with other businesses, but none of others ever charged me a late fee for any excuses. I believe I deserve a full refund of the {$250.00} charges for 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 monetary relief
Consumer complaint received 2022-02-28
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This account with FMC-OMAHA SERVICE CT with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok Trans union XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX ( XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.

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 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and recognized these hard inquries I did not approve or recognized. 

XXXX Inquiry from XX/XX/2018 Inquiry from XX/XX/2018 Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Wells Fargo is failing to properly itemize my balance transfer ( s ) on my billing statement. 

If you review my account history, you will see that the entire amount of the balance on my card is in balance transfers. There is a {$2900.00} balance remaining. The statement reflects my balance transfer promotional rate will end XX/XX/XXXX,  and the remaining balance is $ XXXX.The problem is the remainder of the balance is not itemized on the statement. 

I spoke to two representatives onXX/XX/XXXX. The first representative advised me the remainder of the balance would expire XX/XX/XXXX. This promotional expiration date for the balance transfer as well as the balance is listed nowhere on the statement. I finally asked to be transferred to a supervisor because she didn't seem to understand my problem with the statement. The supervisor I spoke to was XXXX. He also didn't seem to have a clear understanding of the problem on the account. He stated someone from their executive team would contact me regarding the problem, but I advised XXXX that I planned on filing a complaint with the CFPB, because clearly the statement should accurately inform customers when his or her balance transfer is expiring in order to better prepare the customer for the interest that will begin to accrue. My recent statement is attached to this complaint.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

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 a 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 explanation
Consumer complaint received 2020-03-03
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The attorney has engaged is unfair and deceptive practices in violation of FDCPA in his actions related to the attempted collection of a credit card debt which his firm bought from another agency. 
The debt is time barred, and as such can not be used as grounds for legal action. 
This attorney referenced an entry of judgement for which I was not aware nor properly notified nor properly served. 
In my attempt to resolve the debt in good faith, I provided financial information as a means to establishing a repayment plan. The attorney represented that they would cooperate with me in arriving at resolution. 
Instead, the attorney, without due notice levied my personal bank accounts. 
With the difficulty I have encountered in making contact with this attorney and his firm via phone, email, and correspondence via mail, I have not been given sufficient opportunity to communicate effectively nor has the attorney been forthright in their communication with me. 
My demand is that this attorney immediately be order to cease and desist all and any actions against me in the matter of collecting a debt, and be investigated by your office for disciplinary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid Upgrade off XX/XX/2022. On XX/XX/XXXX, I decided to close this account. I called Upgrade and told them to close this account, well they said they closed the credit card, but in reality, they closed nothing. I called again on XX/XX/XXXX and told them to close the entire account, XXXX card and credit line, everything. To this day, nothing has been done. I also sent them an email on XX/XX/XXXX telling them to close down everything, and they still did nothing. I am not going to continue to call them and they do nothing, Im through with calling them. I want them gone and to leave me alone. This is a horrible company and has a reputation of not closing accounts when ask tolots of dissatisfied customers besides myself. They get some type of sick enjoyment out of doing people this way. A shystie company. Please close this account in its entirety, and also reference it on my credit report as Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Their investigation did not fix an error on your report

Complaint:
Hello, The problem has not been fixed my two banks can't connect to see my credit report. I can't see anything past XXXX, I'm still missing XXXX, XXXX, and XXXX. Equifax just sent me a physical report which is not what I need. 


PLEASE SEE ATTACHMENT, I logged into the website on the XXXX and the data only goes back to XXXX the issue is not fixed. 

Again Banks can't pull my credit score, I need help fixing the issues. I also tried multiple credit monitoring company they can't see anything as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase closed my credit cards on XX/XX/XXXX, and I was told that I can transfer my Ultimate Rewards Points to a partner program. I tried to transfer all my points ( XXXX ) to my XXXX account ( account # : XXXX ) online, but, I received an error message. 
Then I tried to transfer my points via a Chase secure message, but an agent responded that he couldn't because my account was closed on XX/XX/XXXX, which is completely incorrect as my accounts were closed on XX/XX/XXXX ( as on the letter saying my accounts were closed ). 

Please correct this issue and transfer all my UR points ( XXXX ) to my XXXX account ( account # : XXXX ) as soon as possible. 

In addition, I wish my accounts were not closed. I have enough liquidity to maintain my accounts solvent all the time, and I have never been delinquent. If possible, please reinstate my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Neither the company nor the collection agency would verify all of my debt. I also have been unsuccessful in attempts to reach both parties on separate occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: ERC
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:
Enhanced Recovery Company had contacted me numerous times indicating they were acting on behalf of XXXX in an attempt to collect an outstanding account balance. However, as I repeatedly told them I have NEVER had a XXXX account. My phone service has always been by a different provider. In addition, my phone for the past 15 years has been supplied by my employer with service through another provider. 
Despite my repeated explanations, today my XXXX Credit report showed a major decline ( 92 points ) because Enhanced Recovery Company apparently did not inform XXXX that I had disputed this account. I have spoken today with both a representative of Enhanced Recovery Company and XXXX to inform them of the error and requesting that it be registered as disputed if not removed.from the report. The twoother credit reporting agencies do not show any such information.

I believe Enhanced Recovery Company and XXXX both acted in bad faith in this situation, to my personal detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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 XXXX  Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
Few years ago someone stole my identity and started opening credit cards under my identity. Ive filed 4 police report in the last 3 years because someone either applied for loans or credits. And Ive been filing dispute with the credit card companys but they keep saying they have me verify but wont show me proof when I requested them the documents. Ive been sending them letter for the last 6 months and I havent received a letter from them. I need to remove this account that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife and I never applied for any health related magazines or books. XXXX used to and now RMCB collection agency from XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed us a letter for debt collection. 

This is fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I reached out to Mr. Cooper requesting that my PMI be removed. I made major repairs to my home and purchased the home below market price. I know my have has a minimum equity of over XXXX. I requested that the mortgage insurance be removed from my loan as I have made substantial repairs and upgrades that makes the LTV to be over 70 %. The representative that took my call informed me that based on the repairs I qualified and that the home had to be appraised. I waited over a month and nothing happened. I called back and they informed me that the order for the appraisal was cancelled but could not say why. I asked why I was not notified and she said a letter had to go out. I informed the lady that I would not receive a letter as my account was set up to receive all correspondence via email. 
She then said, she would escalate to a manager. She then called and informed me that the reason for the cancellation was sent electronically. Which I did receive on XXXX that the reason I did not qualify was " Other and that I should call the customer service desk. '' Which I found this to be an in appropriate reason. I called back and they said that I did not qualify as my loan was not seasoned for two years. Again, I was puzzled as I did not find that to be a qualifying factor when I looked at their guidelines. I again informed the representatives of all my upgrades and the market value of my home. She said she would escalate. Two days later she called to tell me that I did not qualify as the guidelines for the loan to be seasoned was not Mr. Cooper 's rule. 
I informed her that under the Homeowners Protection act, my loan did not have to be seasoned and that I insisted that this matter be reviewed again. She said they would and that I would receive a new letter with the reason clearly described. I have yet to receive a letter from Mr. Cooper and now they claim that my matter is closed. I emailed them the below information and I still can not get them to appraised my home so that the PMI is removed. 



Other things to keep in mind about the Homeowners Protection Act Loan investors, including XXXX XXXX  and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the XXXX provides. But these guidelines can not restrict the rights that the XXXX provides to borrowers. For example, the XXXX does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). 

With this information, please advise how quickly can the appraisal be scheduled since you have had my request for over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and XXXX removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA does not follow FTC guidelines and Collects on ID Theft reported to them.See attatched Experian Report. USAA notifys them THEY DO NOT KNOW FRAUDLENT CHARGES WERE MADE AND THAT I NEED TO CONTACT THEM. * THIS IS INACCURATE REPORTING. USAA HAS KNOWLEDGE OF FRAUDLENT CHARGES see attatched letter FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS DID OCCUR. see attatched ID THEFT REPORT USAA has recieved. FTC. gov web States : FCBA settlement procedures INCLUDE : 1 ) Unauthorized Charges see FRAUD CLAIM OF XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED 2 ) Charges list wrong date Credit Reversals Charges list wrong new purchase date ( CLEARLY NOT NEW PURCHASES ) 3 ) Charges for goods or services you did not accept or that were not delivered timely see attatched Criminal Investigation Letter NO Deliveries in that zip area under investigation. 4 ) Failure to post credits 5 ) Charges for which you ask for explanantion OR WRITTEN PROOF OF PURCHASE. I have had all 5 of these occur on my account from XX/XX/XXXX to XX/XX/XXXX USAA DOES NOT FOLLOW FTC GUIDELINES see attatched FTC statutes of REQUIREMENT OF USAA. UNDER DUTIES WHEN ID THEFT OCCURS. USAA DOES NOT FOLLOW THESE STATUTES USAA COLLECTS ON ID THEFT DESTROYS CONSUMERS CREDITS WITH FALSE REPORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation