BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a bed under a promotion from Macy 's using my Macy 's card in XXXX of 2014. The promotion was 1 year no interest if paid before year was up. I set up to receive bills through XXXX Bill Pay online and pay {$75.00} a month in response to bill received. {$75.00} was the amount of the bed divided by XXXX to be sure it was paid by the end of the promotion. That was not the minimum payment, they do not give you the correct minimum payment to meet the promotion, they give you what they consider a minimum payment. Every month for 11 months I received a bill into XXXX and a payment of {$75.00} was initiated, except for XXXX 's bill. It was not received, therefore the payment was not automatically initiated and paid as it had been for the past 11 months. So when XXXX 's bill arrives into XXXX, it had a late fee and all of the accrued interest charged. 

I called Macy 's and was given absolutely no help. They said they would do a XXXX time courtesy waive of the late payment since I had a perfect payment history. I was then told that in order to initiate an inquiry they would need me to pay all of the past due, which included the interest. I paid the past due only and told them to get the account to someone that could handle it. I should not have to pay then wait for them to refund my money and I refused to do so. I have yet to hear from Macy 's and I have called as well as sent secure messages through their website. When they asked why I had not made the payment I explained that the bill had been delivered to Quicken for all but the last month of the promotion, ironically I might add, and that was why the payment was not made, it was automatic. 

I have asked everyone I have talked to why I would pay more than the minimum payment every month to meet the promotion but not pay the very last month? No one has a good response, because it makes no sense. 

In my opinion this is a fraudulent way of collecting money from consumers by using their reliance on payment systems. Macy 's knows that I use XXXX and they also are in control of sending the bill monthly. There is no way around this being anything but fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid my bill in full of {$2000.00} on XXXX 2016 by deducting from checking account that included any and all purchases, cash advances in advance. DISCOVER took all payments and processed timely. The acceptance of payments and processing is [ willful agreement ] sufficient and substantiates remittance in full by DISCOVER closing my account after receipt of payments. 

DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date. The communicating through electronic emails [ automated ], phone calls, third party collection agencies and or Reporting false or misleading information, to Consumer reporting agencies outdated and negative or erroneous information about previous business transactions IS CUURENT is " gross fabrication. These and other insidious and unfair business practices is retaliatory action and discriminatory in its applications.DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date by automating system for collection in violation of my constitutional and fundamental rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding CFPB complaint # XXXX. 
Attached are the proofs. 

On XX/XX/22, I wired {$66000.00} from XXXX Bank to pay off the mortgage balance which was verified by several NewRez representatives. More NewRez  representatives repeatedly assured me not to worry about the per-diem because XXXX XXXX XXXX not post my payment for days after I already paid off {$66000.00} that I owed. On XX/XX/22, XXXX XXXX returned my wire without any explanation. After endless inquiries, I submitted XXXX Bank statement and letter from XXXX that NewRez  asked for only to be scammed bXXXX NewRezXXXX 

XXXX NewRez 's XX/XX/22 reply : " After our investigation on the returned wire, We did receive a wire in the amount of {$66000.00}, but the wire details lacked identifying information. The wire was rejected due to being unable to locate an account with the information provided. You will need to resubmit the funds, and to be sure to include your loan ID ( XXXX ). '' On XX/XX/22, NewRez replied with a different excuse, " The payoff funds were not received until XX/XX/22. The payoff was completed when the funds were received. '' Again, what I owed was {$66000.00} that I already paid off on XX/XX/22. 

Attached documents show that XXXX followed NewRez 's instructions correctly on XX/XX/22. While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per NewRez.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/2020.  In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/2020, XX/XX/2020 and XX/XX/2020 remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on Equifax, XXXX  and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The government has made it so that an individual can place credit freezes on your credit reports. XXXX  and XXXX  have allowed me to freeze my reports while Experian has not. Experian will not allow me to place a freeze on my account, and is requesting I send all my sensitive information together in a mail to them to request a freeze. This delays my ability to freeze and thaw my reports electronically when needed, and leaves all my information potentially vulnerable to anyone who might put hands on and or open the mail I send with all of my sensitive information. And when the mail gets to Experian, I have to hope whoever opens the mail, doesn't steal or leak my information. I'd much rather take my chances with electronic encryption. My only option is to pay them to lock my account. I feel Experian is failing to comply to Federal standards.

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 2020-03-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, Experian and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).

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 2020-09-25
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per XXXX  iao . Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Dyck-O'Neal, Inc.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I received a notice from a debt collector company called Dyck O'Neal, that in XXXX I used a XXXX XXXX XXXX loan through XXXX. I am being notified that on this date ( XX/XX/XXXX ) that I had not paid on that loan through XXXX XXXX, not XXXX XXXX. But, I contacted XXXX XXXX and they said there is an underwriting problem because the mortgage had been transferred so many times and we still own the home. 

I contacted HUD and spoke with a lawyer then I contacted the debt company and tried to explain who is trying to collect because the papers said it was from XXXX and it was applied to the mortgage. Dyck O'Neal told me it was an unsecured debt, but XXXX XXXX told me it was a secured debt. 

I had to take part in the housing crisis of XXXX and I needed to acquire that loan in XXXX of XXXX with XXXXXXXX XXXX XXXXXXXX. 

Please help because no one can find the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
ExperianXXXX XXXX XXXX TX XXXX : Report # XXXXOn Monday XXXX XXXX I called Experian to dispute XXXX XXXX private student loans. I spoke to the representative to dispute the relevancy of the contract. I had recieved a copy of the contract by XXXX due to a complaint I had filled with the XXXX. The contract has " missing information such as date missing and other identifiable information that is not consistant with my information with their files ''. The name listed on the application is not my birth name. Further, the account number listed on my report is XXXX ... there are XXXX accounts listed with these numbers, the account number specified is listed differently on XXXX correspondence they list account number XXXX. Due to new regulations required by the FCRA account numbers are no longer supposed to be listed as social security numbers or reported to the credit bureas as numbers that begin with social security numbers. 
The accounts were previously unrated and reported previously as " NO STATUS '' in XXXX 2015 that had changed. I request that " no status '' be reported on my file due to FCRA, FCBA, FACTA and other statutory and procedural violations that may have occured. The creditor has over XXXX credit and billing consumer complaints filed online along with SEC and Consumer Financial Protection Burea investigations for similiar or other pertinant issues regarding private student loans currently held by XXXX. ( see link : XXXX XXXXRemedy sought. 
I request that detailed information including names and a description how the previous verification process was conducted per section 607 15 UFC 1681. 
I would like Experian to rienvestigate and the following information herein. 
1. Verify last 84 month account history ( See attatched doc ). 
2. Report the assigned account number provided by XXXX ( acc # XXXX. Valdiate and authenticate information supplied on original contractI request that bot accounts be unrated due to errors and ommisions on the account and credit reports. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The online credit report at XXXX states " XXXX steps to your free credit reports ''. Its is not true, these steps dont work and havent worked for over a year as far as I can tell. After you fill in all the info about yourself they tell you that you must write them. When you write them they tell you some information is missing and you do n't get your free credit report. Why do they falsely tell you its an online credit reporting system when it is not. I got an alert regarding my credit and dont think I have time to wait for all this unnecessary delay. Its obvious, they want to stop doing this by putting these roadblocks in front of people. When is something going to be done about these crooks? I know that Im not the only one this is happening to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX of this year I had gone online to buy a plane ticket. In order for me to get the maximum discount of {$100.00} dollars the company, Spirit Airlines, said that I would have to apply for a credit card through Bank of America. I went through the procedure, but lo and behold, after I had gotten the ticket, the discount was n't applied. I contacted the airlines and told them that they did n't add the additional discount and they told me that that was too bad, and then I told them if that 's the case then I am canceling my flight order. They told me that was n't possible, and I said if you do n't honor an agreement, then the agreement is null and void. They told me that the flight was non refundable and so then I contacted Bank of America the same day, and told them that I was canceling the credit card and it 's order. The said it would be under review and I did n't hear anything about it until XXXX XXXX of this same year. Bank of America told me that Spirit Airlines had filed for compensation and that they, Bank of America, felt obligated to honor their request.

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 2021-01-07
Company: EQUIFAX, 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:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX I had a online email stating my credit card account was showing on " Notice of suspended Online Bill Payment service '' so I called citi bank customer service immediately after receiving the email, spoke to XXXX XXXX same day & she explained that a payment showed returned, because the account was not found, it then made me realize perhaps it was an old inactive account still showing in history, so I said ok, it was probably an error that account was used, and she agreed too and waived return fee, also I paid through the phone with XXXX, so we could restore the account in good positive status. Next day found out my account had been closed, I called customer service again mentioned only the night before spoke to XXXX XXXX, she did n't tell me anything about the account being closed or going to that status, and infact saw everything fine from her end. I was advised today that in order to open the account they need to do another credit inquiry, I do n't feel this is fair at all given I made all and any attempts to resolve as per the direction of Citi banks email to contact customer service. I resolved things from my end, paid the balances owed from my debit card on the phone and still the account went to closed. I am worried this will affect my credit score, as they will now report the account closed, and also worried that by re-opening the account they need to do another credit inquiry which is not necessary. They are saying to me there is no other way, but asked me to write to the president of citi bank for him to review my request, I will send the letter XXXX in the mail but need help also from an agency like your 's to please review my case, this is not the right way for credit card companies to take advantage of customers. I did everything in my power to call the customer service and resolve things from my end immediately, they should n't have closed my account when I made a payment through customer service that went through just the night before. This has put a very concerning view on Citi Bank 's practices especially since I have been with them for 4 years and currently even have another credit card with them in good standing and active status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: SYNCHRONY FINANCIAL
State: NY
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of 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 2020-11-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has refused to correct my information from my name to date of birth and even address. I don't use any address but a XXXX XXXX for many years and they added several without getting the information from me. They got the information from a creditor that I have never done business with and refuse to fix it. They have many names that are not mine and my date of birth is wrong and continue to refuse to fix. I have made several calls to them about this and still refuse. You can't verify personal information from a creditor that I have not done business with.

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