BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: AMERICAN EXPRESS COMPANY
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:
I closed my account with my balance fully paid off ( i.e. when I logged in, it says the balance was {$0.00} ). I confirmed with an Amex agent that I would not owe anything or have any sort of balance post-closing ( ie that there would NOT be any reversal of statement credits after I close ), so with that reassurance, I closed the card. 
However, Amex charged me {$350.00} post-account closure ( that is, they reversed a {$350.00} sign-up credit that was credited to my account, many weeks after I closed the account with {$0.00} balance ). This is a fraudulent reversal, since my balance was XXXX at close and the agent promised that post-closure, I would not be subject to the promo offer credit reversal. If I were told that the {$350.00} credit would reverse, I would have not closed the card. The current balance is higher than {$350.00} since they tacked on late fees, and I believe the min payment that is overdue is {$80.00}. I've contacted Amex to no avail, so please remove the credit delinquency from my account so that it doesn't impact my credit score, because I owe Amex {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022, I sent a complaint about Transunion, because they were furnishing my information without my permission, which is illegal. They responded back to me with a stalling tactic on the XXXX of 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 2017-06-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Macy 's store credit card, and typically pay off the balance in full. I have n't carried a balance on the credit card in months, but in XXXX started receiving $ XXXX monthly charges on a {$0.00} balance, with paper statements sent sporadically / not on a monthly basis. Since it takes so long to reach a live agent on the phone ( 20-50 minutes ) I typically paid off the {$2.00} interest charge every month, and imagine a lot of other customers are doing the same. In XXXX of XXXX my Macy 's credit limit decreased from {$1200.00} to {$300.00} with no explanation and no notice, causing my credit score to dip slightly. In XXXX of XXXX my credit report showed that Macy 's closed my credit card account entirely, again with no notice or explanation. My credit score fell again. I called Macy 's and spoke with an agent who apologized and said there was a glitch in the system, offering to re-open my account. I declined and asked that my account remain closed. The agent said that if I wanted to discuss credit report issues I would need to call the credit reporting department. I called that department and was on hold for 35 minutes, then decided the few lost points on my credit score were n't worth the time and hung up. In XXXX I again began receiving sporadic paper statements, each for {$2.00}. I paid off a couple of months and tried reaching a representative to figure out why I was being charged on a closed account. In XXXX of XXXX I was assured that I would no longer receive monthly bills on a {$0.00} balance, and that my account is closed. Today, XXXX XXXX XXXX, my credit report shows 3 late payments, all from Macy 's, on a supposedly closed account. To date, Macy 's caused my credit score to drop more than 40 points. I called Macy 's and spoke with a representative who again apologized and removed the {$2.00} charge for the last 3 months and informed me that I can discuss credit report issues with their credit reporting department, which works different hours. I asked for the status of my account and was told it 's in " Hold '' status due to the remaining balance. I asked the representative to close my account. After a few minutes, she said she could not close it because it 's " showing up as already closed ''.
I 'm frustrated and angry that Macy 's is getting away with this, and am shocked this has n't yet resulted in a class action lawsuit. The shady business practices started ( at least for me ) around the same time that Macy 's reported financial struggles -- closing down stores and letting go of employees -- but stealing from consumers is not the way to stay afloat. Many people are having this experience with Macy 's : 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 monetary relief
Consumer complaint received 2021-09-24
Company: Affirm Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/2021, I made a purchase of a product and software service from XXXX for total cost of {$1000.00}, using Affirm credit services. XXXX failed to provide the product as described and sent a product that was far beneath what was advertised ( both the hardcopy material and the software ). I immediately contacted the XXXX, on or about XX/XX/2021 asking for a refund as I planned to return the products ( there are various emails of this ). XXXX refused, referring to their no-refund policy, which apparently fails to account for defective products and false advertisement. I then contacted Affirm, as the credit provider, on or about XX/XX/2021 to help resolve this matter. Affirm took no meaningful steps to resolving the matter, instead they only kept asking me to provide more information that I had already provided. They wasted time and finally asked me to pay them, saying that there was nothing that they could do to resolve the other company 's provision of a defective product and service that they refused to refund me for. Now, Affirm is trying to report the claim on my credit report and keeps calling me asking for payments. 

I would like to file a case against both of these companies and ask that they stop trying to charge me for a defective product that they refused to accept in return and to refund me for, as would have been appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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: Account information incorrect

Complaint:
Hello I have call Transunion and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the TransUnion and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done, so I have no choice but to put in a complaint the companies I am disputing are : 1.XXXX 2 XXXX 3 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 2017-06-21
Company: Linebarger Goggan Blair & Sampson LLP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter several months ago from Linebarger Goggan Blair and Sampson stating they represent the state of New York Thru Way and that I have XXXX in unpaid tolls through the State of New York through the XXXX XXXX XXXX. I called and sent them a letter advising that I have never been through the state of New York and that those tolls could not possibly be mine. I requested by telephone twice and in writing evidence including dates and photos and they will not provide me with such. I advised them that I will not pay anything until they produce specific evidence as I have never been through the state of New York. The collector I speak with at this point invariably gets nasty. I have to assume this is a fraudulent attempt to collect a debt and perhaps someone is impersonating the law firm? They keep giving me the account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: OH
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:
I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX all the accounts will be highlighted on credit report as well its XXXX that are listed in the bankruptcy and the report XXXX XXXX needs removed never done business with nor should they have my medical info. 
all hard inquires removed except for the two open accounts

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 2017-06-21
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was paying the original " creditor '' ( hospital ) as agreed since 2015, and was sent to collections because original creditor claims a payment plan was not set up, in which it was.
The collections agency is attempting to collect two and one half times the amount of the original debt, and informed me that " it must be interest ''. I am within my 30 days to obtain information from the collections agency to validate debt. Credit Systems out of XXXX Montana is attempting to collect a debt of {$1000.00}, and their interest is {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: BANK OF THE WEST
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had a wire transfer done to a bank in XXXX ... It has been 21 days and the money has not made it into the account.. My bank just gives me excuse after excuse ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yesterday, XX/XX/2021, I C System reported a debt collection on my credit. I do not owe this debt. Today, XX/XX/2021, I called their customer service number, XXXX, and was given a reference number XXXX for my case. I asked them to provide me evidence that I owed this debt, and they were unable to provide any evidence, however refused to delete this from my credit. 

I am filing a complaint, because they are refusing to remove the derogatory remark from my credit, however this is not my debt, and they have no evidence that this is something I owe.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please do not mark as a duplicate. This complaint is intended directly to Transunion. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )

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 2017-09-05
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: Public record information inaccurate

Complaint:
In 2014 XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But XXXX  and Transunion will not remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt was reported to  XXXX , no prior knowledge of debt.    AMSHER COLL R eported on  XXXX   XXXX ,  XXXX  {$1700.00} Account Details Last Reported  XXXX   XXXX ,  XXXX  Collection Agenc y AMSHER COLL Origi nal Creditor  XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1100.00} Remarks Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I 've recently contacted both credit Bureau and credit company and none were no help to me. I recently contacted Transunion several times through letters, online disputes, and phone and advised them of the fraudulent inquiries that were on my profile that I did not authorize and recall doing. I know their was a fraud alert on my account that indicates anyone who runs my report needs to contact me via phone and that was not done which violates my rights as a consumer. I am really upset and tired of trying to get a hold of some one who will actually help me with these fraudulent inquiries. I have not yet heard response from neither letters and online disputes. Below are names and dates of reporting companies that pulled my report with out my authorization and that I consider fraudulent. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2017-06-20
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I WORK FOR COUNTY OF XXXX XXXX. I HAD AND CONTINUE TO MAINTAIN FULL MEDICAL INSURANCE.
COLLECTION CONSULTANT OF CALIFORNIA ARE WRONG AND INTENTIONALLY ATTEMPTED TO AVOID MY REQUESTS.
I tried several times previous to provide all my insurance information. Because I see no difference to my DEROGATORY MARK, I believe that my medical information was intentionally hidden, AVOIDED, or ignored. Yes, my insurance was provided. As I work for the county still. Why are they intentionally avoiding my medical providers and my insurance? I forwarded all my medical information, plus medical insurance copies through CFPB. Reporting this as an intention by the collector to defraud a consumer : by extending a clients medical history insurance information and having it voided later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2018-02-26
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Consumer received a letter in the mail from XXXX XXXX XXXX, XXXX. atty stating from district court, a summary of judgement against all parties stated above, XXXX AND XXXX XXXX, U.S.A., HUD, XXXX AND XXXX were never served or notified regarding any court date or aware of intent to proceed without responding to the request to the letters we have sent. This has cause violation of our rights. U.S.C. 1692 1692p, approved on XX/XX/1977, 3-302.  HOLDER IN DUE COURSE.. I am contacting You as trustee of our affairs and also representing the U.S.A, We are wanting assistance in this fraud.

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 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion Confirmation # XXXX Filed a dispute with Transunion about inaccurate and non verified information on my credit report. I also disputed this information with the creditors, whom were unable to verify or validate this information. I am not sure how transunion was able to, if the furnisher could not. I am filing this complaint with transunion because they've ignored my request to provide me with the documents that their company has on file that was used to verify accounts that i disputed. Being that the accounts can not be verified, under section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks

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 2018-02-11
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2017 Ally financial is reporting late payments to the credit bureau. Payment has never been late. Always make payments on time ever month. Customers is reporting inaccurate payment history.

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