BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2016 I made a purchase on my Macy 's store card. Within the next two billing periods, I paid off the balance, and did not use the card again. I rarely used the card in general, therefore did n't have need to constantly check the website. In XXXX I began receiving increasingly more phone calls about an uncollected debt. After calling Macy 's Credit and informing them that I paid off the balance, they informed me that somehow a small charge of interest was made to the account that then began accruing late fees. They told me that they would take care of the fees, and agreed that I had paid off the balance, and the account would be back to XXXX. Fast forward to XXXX, and the exact situation occurred, where an interest charge was added to an account balance of XXXX, and late fees had accrued on it again. I explained the situation all over again, and they reached the same conclusion. The error was on their part, and they would reverse the fees, and this time, I closed my Macy 's account completely. I had them send me letters of confirmation of account closure as well as to the credit bureaus to inform them of the error Macy 's Credit had been making to my credit. Now again in XXXX, I received more harrassing calls saying that my account was past due and I owed more than {$150.00}. In reviewing the statements, I see that the exact same situation has happened again, and Macy 's has continued to blatantly disregard my credit and time. The most recent offense shows that they did not in fact remove all of the late fees in XXXX when they said they did, and the amount that was left on the account accrued late fees again, which led to more harassing calls on an account that is now closed, and had promised to me to have been resolved. I keep having to call their customer representatives for them to just tell me that they see exactly what I have been saying all along, that the balance was paid off long ago. This vile attempt to collect fees, and harassing me continuously is unjustified, and horribly apparent that this scam that they are perpetrating to collect more money than ever spent in their stores is grossly wrong. I am so tired of having to deal with this, and were it not for my diligence in the matter, I know they would continue to try and bully me into paying them more undeserved money.

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 2022-08-03
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
XXXX removed this from their database as it is proven to be inaccurate. See attach letter and my account number as proof of the removal. 

Please delete this from my credit report Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I can not use XXXX  to sign into my bank account in apps that require it, for example XXXX and XXXX. PNC is blocking sharing my banking history and does not allow traffic to third party data-providers : XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XX/XX/XXXX my credut report clearly shows im register owner for realestate, finance, insurance, amusmentXX/XX/XXXX my mutual fund forged fraudlenty traded by citigroup, XXXX XXXX citigroup fraudulenty underwriting commercial property from XX/XX/XXXX-XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is not reporting account # XXXX with the correct limit. I have XXXX XXXX Credit Card with a XXXX limit. This is information is not being displayed and is affecting my credit score. Please have Experian to fix this issues ASAP.

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 2017-04-27
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear  sir/madam I  had a credit card account with  MACY 'S DEPARTME NT STORE, Due to some personal issue I was unable to make my payment for some time but later in the year   XXXX   a collection agency sent me a letter on behal f MACY 'S DEPARTMENT STORE, Th e collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until no w MACY 'S still have it o n my credit report that I am still owing the debt. I attached a copy of the note on my credit report regarding the payment.

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 2016-11-05
Company: TENET HEALTHCARE CORPORATION
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent the doctors bill to XXXX XXXX but sent services bill to collections plus the bill they sent me was missing Provider TIN #, Diagnosis Codes, Procedure codes/Revenue Codes, and several other items which delayed XXXX XXXX settling the bill for months after I finally got the bill sentand it was settled and paid by XXXX XXXX minus my portion-XXXX dollars and I have the proof.I was a victim of Identity Theft also and my address changed also and Ive taken a huge hit due to this hospital bill and related issues due to the Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Good afternoon. In XXXX 2015 I requested a skip payment on my auto loan from my lender. They obliged and told me to continue making payments the following month. The stop payment did not go into effect, subsequently causing my lender to publish a 30 day delinquency on my credit report. Since then I have requested my credit report be updated with no success for over 6 months. I have been reassured my issue was valid and they are sorry for my inconvenience and that it is being taken care of numerous times, as well as been told I would receive a call back and other general lip service to get me off the phone with no result. My credit report has since been updated by the bureaus themselves show that my account status is " pays as agreed '' but has not removed the erroneous 30 day delinquency in question. Further attempts with Pentagon Federal Credit Union have been fruitless, most recently starting the dispute process all over again with no guarantees or communication with anyone in the back office responsible for the previous disputes - I 'm only able to speak with front line representatives who place me on long holds while communicating information back and forth to the appropriate department. I 've had to pay out of pocket to obtain an updated credit report to fax over in order to begin the dispute process - otherwise face a hard pull inquiry on my report by Pentagon Federal Credit Union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: Windham Professionals, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a text message from Windham Pros with a link to download a statement from them. When I clicked on the statement it said I owed another debt collection agency {$530.00}. I called the company informing them that I had already paid the debt back in XXXX of XXXX 

I was previously laid off and had amassed some credit card debt and paid it all off with some inheritance in XXXX of XXXX. I expressely remember paying this debt because I had to do it on my lunch break because they close at XXXX pst. 

The debt collector threatened me and said the burden of proof was on me to verify that I paid. They've refused to contact the former debt holder and are now harassing me.

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 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had a checking and savings account with Bank of America. Both accounts were transferred to Bank of the Cascades automatically, without my doing anything, early in 2016, when XXXX took over some Bank of America accounts. The checking and savings accounts I had with Bank of America were free - NO FEES because I had a combined balance of over ten thousand dollars. But my the last Bank of America statement, just before the balances were transferred to the XXXX XXXX, Bank of America took {$10.00} from my savings and transferred {$42.00} instead of {$52.00}. I called Bank of America in XXXX 2016 to ask why, and during that call it was agreed the {$10.00} fee should not have been taken out and they would send me a check for {$10.00} to my mailing address - a PO box . They said the check should arrive by the first week in XXXX, by about XX/XX/XXXX16. It never came. So today XX/XX/XXXX16 I called XXXX to see if maybe it was sent to them or transferred into my account - it was not. I asked them to tell me who to call at Bank of America about this. They told me to call XXXX. I did, and a very snippy woman named XXXX said she sees the request on record for the {$10.00} to be sent to me but it was not sent to me because the bank employee who requested it did not have authorization to do it. She said only members of the " Transition Team '' can place those requests and she said the bank employee who made the request to send me my refund check " was not a member of the Transition team and never has been '' and she went on to try to chastise ME for not putting my request in with the right person. Keep in mind this woman can clearly see into my account history and she can see the issue was reported, that the money was taken and due to be refunded, but her only concern was to tell me I was at fault for not speaking to the right person in the right department. I told her if they would not send me a check I 'd report this issue for investigation with federal agencies, and her reply was to say, sure you can do that if you want - instead of offering to help me or instead of offering to correct the problem and sent me the {$10.00} check. Her attitude was that I put in my request for a refund with the wrong department so it 's my fault I did n't get the check and she had little more to say.

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 2022-08-24
Company: EQUIFAX, INC.
State: TX
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 the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, 2014 I received a collection notice from Aargon Collection Agency ( XXXX XXXX XXXX, NV XXXX ) requesting payment for {$7900.00} for an alleged medical bill. 
I immediately responded back, via certified mail, requesting some form of documentation, financial acknowledgement or media. 
After careful review I noticed their was n't any social security number, treatment date or a breakdown of any services provided. 
I wrote back to the collection agency advising them to contact their client and have the account removed, because clearly this was n't my debt and I was never a patient at the facility in question. 
Recently, I pulled my credit profile and noticed the collection agency placed this balance on my credit report knowing they had the wrong person! 
Aargon Collection Agency has clearly violated FDCPA and FCRA and has placed inaccurate information on my credit report knowing they have the wrong person.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-10-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Initially Heartland ECSI started auto debiting monthly an amount just under my quarterly payment amount without my consent.  The loan terms were that payment be made quarterly and that is how I set up my auto debit on their website.  I only realized this was happening when I received a late payment notice in the mail along with late fees.  I had been in essence over paying by hundreds of dollars a month and still generating late fees because the monthly payment that fell on the quarterly payment's due date was slightly less than the quarterly amount due.  All of this was without my consent.  In addition, I had auto debit set up from the beginning of this loan.  I called to rectify and was met utter incompetence and a complete inability to grasp the issue.  Finally after multiple phone calls and transfers to different people I thought I had successfully gotten to the bottom of the issue, had late fees refunded and re-establised my recurring quarterly payment.  However, on XX/XX/2016 I received a past due notice in the mail again with additional late fees.  I called ECSI on XX/XX/XXXX to rectify but again was met utter incompetence.  There appeared to be a problem with the due date and and the payment date which they could not seem to rectify.  In the end, I paid the loan off in full to eliminate any further confusion and avoid reporting to credit agencies which happened to wife with this same company for the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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, On XX/XX/2021 I sent over certified letters to all three credit bureaus Transunion, XXXX  and XXXX  in regards to incorrect information reporting to my credit report. Ive also sent over to them demand of comply letters and the companies have not complied to their own policies in a timely matter.

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 2021-07-07
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: Was not notified of investigation status or results

Complaint:
I have not received any response from credit bureaus regarding this account : XXXX XXXX Account # 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 2017-03-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good Evening, I must start by saying I am very upset I needed to reach out to you for help. I am a XXXX and have been over 20yrs, I feel these should never have to get this far. On XX/XX/XXXX my American Express BlueBird account had 3 transations taking out of my account without authorization, as soon as I realized I didnt have my card and the last time I used it was at XXXX atm by my work. I immediatley contact AMEX and the first rep told me she cancelled my card and she would immediatly send me out a new card and have the 3 unauthorized transations reversed once they post " at that point still was in pending ''. She then transfered me over to the fraud department where I basically repeated myself and she repeated the prior girls response, they both said 72 hours I would have my money and a new card. Now this card has been open since XX/XX/XXXX I have NEVER had this happen, never even contacted them. But this card has everything coming out of it and I get paid weekly direct deposit. I have also FAXED there complaince department with confirmed receipts it was received stating this and still nothing. Since XX/XX/XXXX I have spoke to over 6 people all tell me to call someone else and never get back to me, I have sent 4 faxes as well, and still no card and no refund??? ITS XX/XX/XXXX!!! So my direct deposit hits the account every thursday I have to go online and send all my deposit to XXXX, leave work go to the customer service desk where I sent the money from that card to basically myself. I cant purchased anything online, XXXX, ex ... ..I have been very patient now I feel this is unexceptable. I am a XXXX and still would NEVER treat anyone like this, they request there money back after they make a payment and actually owe the bill I still refund it. Its XXXX dollars, 3 transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax keeps reporting XXXX account 30 days late and is not 30 days late They have reinserted previously deleted report they remove from negative and inserted again They had removed the 30 days late and they reinserted again They report as a negative account and its not negative Not 30 days See attached bank history " Days '' column never 30 days late Please have Equifax remove from negative remove the 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus is reporting late payments on my credit report that are not accurate. They are listing me as being 120 days late from XX/XX/XXXX until XXXX and then 180 late from XX/XX/XXXX until XX/XX/XXXX. 

This is damaging my credit score and by no means accurate. I have disputed this in the past and my dispute was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: MD
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 've had several inquiries that I did not do! I 've had my financing thru my credit union prior to me shopping.     I 've disputed several times

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 2021-07-07
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am completely disappointed with the fact that Harris & Harris, put this debt from XXXX XXXX XXXX on my credit. In the middle of a global pandemic, when not only I but the world population had been effected by massive layoffs. 
I was not only out of work for nearly a year, but could barely pay any of my bills, less alone a {$5000.00} ER bill from a XXXX XXXX that developed when I didn't have insurance. 

I feel that this unfairly has effected my credit and buying power during a time when not many people on the planet had control over their financial situations. Please have them remove this item from my credit report and give me time to recover from the pandemic by establishing a new job, then getting on some kind of payment plan with the hospital. 

This is wholly unfair and damaging. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation