BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ever since I opened my Macys credit card account its been extremely difficult accessing the payment website. Each time I attempted to pay my Macys card through their website, I would click make a payment then asked to add my Macys card. I would add my credit card then go back to make a payment and continue on this loop and never actually able to make a payment for several days. It usually would take me 2 weeks to successfully submit my payment. A couple of times I called, ( pre-covid ) to make a payment, I was told I would be charged a fee to make a payment over the phone so to avoid that I would again go through the process of attempting to submit my payment online. Sometimes I would have to go into the store to make a payment. Once the pandemic shut everything down I wasnt able to go into the store to make my last payment of approximately {$41.00}. I tried making a payment online and kept getting stuck in the never ending loop. I called Macys in XXXX of 2020 and received a record message that due to covid there was no one available to take my call followed by message number then a random string of numbers and an extremely loud ear piercing beep. I dont believe Ive ever been late in making my Macys credit card payments and Ive mostly been able to pay every balance due, in full. Unfortunately now that small amount due has ballooned into over {$300.00}. Theyve reported it to the credit reporting agencies & it has negatively impacted my credit. I believe Macys XXXX purposely made it difficult for customers to make a payment online which then caused me to owe more than I spent.

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 2015-05-28
Company: Northern Alliance Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company NAM continues to call my cell phone even though the debt is for the person who had my phone number prior to me. 

I have told them to stop calling and they continue to do so. When I call to tell them I am not the debtor, they hang up as quickly as possible to avoid having to remove my number. People are rude and threatening. Their Phone number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by United Wholesale to XXXX XXXX in XX/XX/XXXX. Since then both companies have withdrawn {$1500.00} from my account twice ; once on XXXX XXXX and again on XXXX XXXX. I have contacted United Wholesale MULTIPLE times to resolve this problem, they have repeatedly said they have no record of our mortgage and yet continue to withdraw money from our account. As a consumer, I have the right to not be caught in the crossfire of mortgage lending companies buying and selling my mortgage. Now I am being subject to overdraft fees because of four months worth of mortgage being withdrawn in two months. This can not go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a call that there will be a warrant out for my arrest of I did not pay a delinquent payday advance loan from ACE cash express a few years ago. I was willing to make payments towards the debt however they told me if I did n't pay half of the full amount or {$500.00} then I will be arrested. Since the loan I have moved a couple times and have had a change of numbers this is the first time I am hearing of this and am being given little to no time to respond or make payment arrangements. Can they arrest me if I did not receive any information until now?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I XXXX XXXX XXXX, submitted a complaint on XXXX on Experian, by law Experian had 30 days to reply to my complaint. Today is XX/XX/2021, which is over 45 days. 

I'm asking CFPB to have Experian remove all items that are attached to complaint number removed from my credit report immediately according to the letter I wrote. 

Complaint number is 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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.

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 2017-01-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX, I had a number of items presented to my checking account for payment. At the time the items were presented, I had an available account balance of {$290.00}. The following items were presented : {$30.00} {$30.00} {$20.00} {$100.00} {$440.00} I knew that there would not be sufficient funds to pay all items but at least the top four items to totaling {$180.00} would be covered since there was {$290.00} available in my account. 
The next morning, I received notification that I was charged three fees @ {$34.00} each. I called the bank to inquire why there were so many fees when there was enough money to cover XXXX out of XXXX items presented. I was told that the bank policy is to pay the largest item first then all items follow. I still disputed that because there was n't enough to cover that {$440.00} item. I told the rep that was an unfair practice designed to overcharge their clients. She could n't dispute and said sorry but there was nothing she can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: PA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 15 USC 1681 section 602 A states that I have the right to privacy 15USC 1681 section 504 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section states : no consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 USC 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated 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 2016-02-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX XXXX, XXXX I came to your dealership to test drive a XXXX XXXX. I had no intentions on buying a vehicle but I did eventually buy a XXXX XXXX XXXX. My sales person was XXXX XXXX XXXX XXXX, XXXX. I specifically told XXXX XXXX if their ( XXXX XXXX XXXX XXXX ) could not finance the vehicle for me, then I will not pursue getting the vehicle and do n't run my credit with any other financial institutions because that will drop my credit score. Because I did not authorize these inquiries I ask Equifax , XXXX and XXXX to remove them and I was told to contact XXXX XXXX XXXX and have get in touch with them to remove those inquiries. So, I wrote a certified letter to XXXX XXXX XXXX asking them to have those inquiries removed and I have n't heard from them and the inquiries are still impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, 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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$6100.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Their investigation did not fix an error on your report

Complaint:
I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Credit Bureau : Equifax Account Name : Unkown Account No : XXXX Account Balance : {$140.00} Credit Bureau : Equifax Account Name : Unknown Account No : XXXX Account Balance : {$200.00} Furthermore, Equifax is reporting a derogatory account that has not been validated by Equifax in a timely manner and the other bureaus XXXX and XXXX have already removed this account from my reports and Equifax has failed to do so. They need to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX Balance XXXX {$5100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX am filing this complaint on my own accord and will. There is no third party present in or helping in the creation of this complaint I XXXX XXXX consumer, natural person, and original creditor of an open end credit plan was harmed by XXXX XXXX Santander XXXX XXXX XXXX Santander consumer USA specifically under XXXX XXXX XXXX consumer awareness, when i called to ask why my substitute check attached to my statement for remittance purposes was not clearing for deposit at the FDIC institution i bank with. I was immediately disconnected from the call after the XXXX from another department waited almost an hour with me on hold to get me to the XXXX of customer service and explain the issue i was having. A deposit in fact was made with their institution via my credit card and open end credit plan pursuit to 15 U.S.C. 1602 - Truth In Lending Act in which they are required to issue remittance coupons with periodic statements to consumers to show credits due to that said consumer. The adverse actions taken against me are seen as willfully noncompliance with the federal law as well as negligence towards a consumer. XXXX XXXX Santander XXXX XXXX. is now civilly liable to me pursuit to XXXX Cfr XXXX as well as 15 U.S.C. 1611 up to { {$5000.00} }.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I attached my social security number, drivers license and FTC report below.

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 2021-11-22
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Caliber Home Loans, Inc.
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I have been trying to refinance our mortgage with CALIBER HOME LOANS for over 6 months. We have had to call them several times a month to get any feedback on the loan, and we are still waiting to close this loan. At this point we don't have a close date and the paperwork we filled out at the beginning of this loan request has been refilled and our credit reports re-ran ( due to no fault of ours ). 
I am beyond frustrated as we had to pay for the home inspection and we continue to receive the run around from this company. 
I did ask in XXXX if I would have to pay another inspection fee if I pulled this loan and found another lender. I was told the paper work with with the final person before being handed over for closing. I understand COVID has affected the process but speaking with a few people connected to this loan ( outside of XXXX  has said this is way out of the norm and with my credit rating their is no reason why this loan has not been closed. 
I hope I am wrong, but the lower interest rate may be what is causing my problems. Is it wrong of me to think they have now received 6 months ( almost 7 ) months at the higher rate instead of the XXXX VA rate? I would sincerely appreciate any help you can provide as I have purchased many homes and refinanced many home loans and have never experienced anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed a charge of medical bill from account XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to 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 2022-04-11
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : TransUnion : XXXX XXXX Balance : {XXXX} XXXX : XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {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 non-monetary relief