BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I was told this account wiuld be deleted from my credit bureaus when I paid the account off many XXXXyears ago. I am now XXXX and XXXX and asking for them not only to fulfill their promise but also to understand my situation and goodwill delete the item so I dont become homeless in the winter.

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 2022-02-23
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-21
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
OnXX/XX/XXXX I received 3 letters which stated O owed money. On XX/XX/XXXX I sent letter asking for verification of debts and to only be contacted by mail. I continue to get continuous calls at home as well as on my cell phone. The company failed to provide verification. OnXX/XX/XXXX i received 3 letters which state the company was thinking of forwarding my accounts to an attorney for possible litigation. 2 months prior I had a phone conversation with the company and they threatened with the same action. I sent a letter in return and attached a copy of my previous letter from XX/XX/XXXX. OnXX/XX/XXXX I received 3 more letters stating they reviewed information and found their records were correct and again I sent letter in return. While typing that letter todayXX/XX/XXXX I again received a call from them on my cell phone. Unverified information is still being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX GA XXXX EXperian Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TRACKING CERTIFIED # : XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau : XXXX, XXXX, EXPERIAN Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : 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 TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUALABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT

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 2017-05-20
Company: EQUIFAX, 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:
An IRS Tax lien was withdrawn on  XXXX / XXXX /   2017  and after filing multiple dispute with Equifax the lien record has not been deleted from my personal credit report. The status was only changed to " Released '' which is not accurate. I demand that the entry be removed as it has been in all other credit reporting agencies. I am aware of numerous complaints for the same issue against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX* XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX XXXX* {$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2022-02-23
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have an issue with a prepaid visa card that I purchased at XXXX in XXXX of XXXX. Upon trying to use it for the first time there were already unknown charges attached to the card that I did not make. I called customer service who sent me an dispute package and I filled it out and emailed it back. When I did not hear from them I called again and they told me it was never received so another email was sent and confirmed XX/XX/XXXX. To date no resolve has been applied to my dispute and every time I call the call is outsourced to another country and the language barrier makes it impossible to get any clarification. There is no direct number to the dispute dept available and all I want is my gift card replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX sold my loan to a debt collection agency, in the middle of a pandemic. I am unemployed and was under the assumption that student loans were being deferred for a few more months. Also, not sure how federally subsidized student loans can be sold to private debt collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Apple card ( Goldman ) reported a delinquency for a disputed charge XX/XX/19 for a business I did not go to. They finally cleared the disputed amount however it shows that I was delinquent and reported it to the credit bureaus. It had a major impact on my credit score. It was a charge for a restaurant called XXXX XXXX XXXX. 

I made multiple calls and they had someone call me many times to make attempts to collect each time I explained that I did not owe this. This has gone on for months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I received my Macy 's XXXX credit card statement which only showed the XXXX items I purchased for {$46.00}. I did not pay the credit card for {$46.00} which was due on XX/XX/2016 because I know I will be returning the XXXX items. I returned the XXXX items on XX/XX/2016 which was several days before the due date. 

I received my XXXX credit card statement which reflected a late fee of {$27.00} assessed for the XXXX items I returned before the due date of the credit card statement. I called Macy 's to have them reversed the {$27.00} because the XXXX items were returned several days before the due date. They keep on telling me that it 's a valid charge since returns are not considered as payment. Why would I pay for something that I know I will be returning? It was promptly returned. In my opinion, this is unfair for the consumers. Macy 's is enriching its company from late payments on return items. How many consumers have to pay {$27.00} from this unfair practice?

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 2015-04-10
Company: Select Management Resources, LLC
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello my name is XXXX XXXX I took out a title loan on my car XXXX XXXX I borrowed! XXXX dollars I have been paying XXXX a month for past XXXX months. That 's almost XXXX dollars. My father was diagnosed with XXXX. I have been off work trying to help him and my mother. Then XXXX XXXX XX/XX/XXXX I became ill with XXXX. These people called me in hospital they call while I am at doctor with my dad getting his XXXX. I feel like I have paid them XXXX dollars interest. I borrowed XXXX now they want me to walk back in with XXXX plus what I have already paid.. I ca n't do this. I have NEVER seen anything like this. This is NOT right and SHOULD be against the LAW. They ca n't even explain to me how they are coming up with almost XXXX dollars then they want me to sign another contract which is about XXXX pages long plus add another XXXX plus XXXX a day for every day that it 's not paid in full. That would be almost XXXX dollars I do n't have that kind of money.. Please help me. I do n't know what to do. Lone Star Title loans SHOULD NOT be aloud to take advantage of poor people. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: IL
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 # XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: SUNTRUST BANKS, 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:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

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 2022-02-23
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Here we go again ... ... .Loan care blatantly misplacing money. I got a foreclosure notice in the mail because they have misplaced the payment made on XX/XX/2022. My loan is not in default and not behind more than 30 days, don't worry though they already submitted it to my credit report, because why would it matter to them right?? They pocketed the money just like they have numerous times before. 

Attached are my bank statement and their " statements ''.

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 2020-01-15
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
account recovery specialist ' are violating FCRA & FDCPA. They have yet to send out proper verification, validation, and illegally obtained and bought medical bills breaking HIPPA laws. Instead of validation and verification, itemization sheets were sent with DRS names and service rendered were listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: First Technology Federal Credit Union
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019, I received a letter from the company XXXX XXXX XXXX , XXXX, of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from First Technology FCU of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in Spanish as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with First Technology FCU who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: CHECK INTO CASH INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company called XXXX XXXX XXXX XXXX has been calling me as well as several other people I know harassing me and them that I pay this bill. The # they are calling from is XXXX. When I have tried to ask them details about this loan they will talk over me and threaten to get in contact with me employer. They 've also said that they are going to file a criminal and civil complaint against me and have my license suspended. I 've asked them in several occasions to email me the information so I can look over it. They refuse to do so and said that they have plenty of times and that I better pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: IL
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 # XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2015-10-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I made a payment online to pay my Macy 's credit card in full. I received a notification by email that my payment had been applied to my account. I never received any further notification that the payment was rejected. Macy 's contends that they sent me a letter by mail -- even though I had elected to receive notifications by email -- but I did not receive any such letter, nor did I receive an email. I was not notified of the returned payment until my next statement, at which point a {$25.00} returned check fee had been applied. Macy 's refuses to refund the {$25.00} returned check fee. They contend that the check was returned because the account number I provided was for a closed account. However, they admit that the account number they recorded was only XXXX digits long. It is not possible that I entered a XXXX account number in both fields where the account number is requested in the Macy 's online payment flow. I 'm aware that my account number is much longer than XXXX digits, and the Macy 's system should not and would not accept a XXXX account number. It 's clear that the payment was rejected due to a technical error on the part of Macy 's, and that I was not informed of this error in a timely manner. Furthermore, as a result of this issue, I incurred an adverse credit score. I would like to request your assistance with reversing the returned check fee that Macy 's charged me, as well as repairing the damage to my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief