BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in myreports with XXXX, XXXX and TransUnion credit reporting agency. These items wereopened fraudulently. Ive informed all parties of the issue & provided the necessarydocumentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the creditreporting agency & data furnisher have not provided me with any evidence of an opencontract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX : {$3600.00} XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Balance : {$4100.00} ; XXXX XXXX : {$190.00} ; XXXX XX/XX/2021 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
Consumer complaint received 2018-01-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a comforter and some sheets from the XXXX website, upon arrival of the items, I notified the company they needed to be returned because it was NOT what I purchased and sent them back. 

A week or two later the XXXX folks called in a very hateful manner saying they would refuse to issue a refund or replacement because what was sent back was not what I ordered -- - tried to explain that the problem was exactly that, the items they sent were NOT what I ordered, therefore they were returned and wanted a refund at this point ratehr than a replacement due to their hateful attitude. 

They said too bad, that they were rejecting the items back and that I would be forced to pay for the items I sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-03-12
Company: MiraMed Revenue Group LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get called daily from this company which I have since blocked. I still get notification of blocked calls and voicemails my phone just does not ring. The company is MiraMed Revenue Group. The phone number that they use to call me daily is XXXX. 

They always leave the same message which is that I owe a debt and need to contact them. I have answered the phone calls numerous times telling the company to stop contacting me to which they did not and led me to blocking the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Citibank charged me a returned check fee on a paycheck citing " unable to locate account '' as the reason. This does not make sense, as they were provided the original, undamaged paper check. Other payroll checks submitted to Citibank at exactly the same time as the problem check also originating from the same employer/same account were successfully deposited into my newly established savings account ( opened XXXX2 weeks ago ). 

As this error is due to Citibank 's lack of thoroughness and the actual check was in their possession, I feel that fees generated by their inability to locate an account that was located for similarly issued, clearly typed paychecks at or around the same time, are due to the result of their actions. I should not have to pay for Citi 's incapability to perform basic banking duties. This was not caused by transmission/transcription errors ; it 's simply not my fault. 

My employer remarked on the poor copy of the check Citi provided me. The check is valid. I am unsure how they made such an illegible scan. I refuse to pay Citi 's unfair {$12.00} fee for their lack of accountability. 

As I have only recently opened this savings account with them, I would like to now close my account without incurring any fees if there are any for early closure XXXX {$25.00} if closed within 90 days of opening? ) due to this negative experience immediately after opening an account. I can only anticipate more unjust and inane fees and would like to sever my banking ties early. This is not worth the frustration when several consumer friendly options exist. 

Thank you for facilitating this communication. I appreciate the CFPB.

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 2016-12-22
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX I opened a Macy 's XXXX card at the recommendation of a sales person even though I had a Macy 's Credit Card. When my bill of approximately {$410.00} was paid in full as I do monthly with all charge card through my online bank payment service, the funds were inadvertently sent to the Macy Credit Card address rather than the new XXXX address. Since that time I have spoken monthly to representatives from both Macy 's Credit Card and XXXX to try to get the money to be credited to the XXXX. Each time I have been assured that it would take a month but it would be resolved. At some point in this XXXX process. The money was moved to the XXXX but then Macy 's Credit Card began calling saying I had a bill of the same amount. I have had service charges of over {$600.00} and those were removed with the promise of having the funds I paid applied to the XXXX Now it appears that Macy has XXXX the {$400.00} charge back to the XXXX card. I DO NOT intend to repay a bill that was paid because of your inability to apply it to the correct account. I have talked to both companies for 9 months and they admit the error and assure me it will be fixed but then it reappears. I do n't want my credit ruined because of their errors. By the way, when trying to submit a complaint on Macy 's website, my submission gets rejected because of " special characters. '' There are no special characters since I only submitted what I 'm submitting here so you should tell them or penalize them for this anti-consumer behavior. There is only XXXX choice of the company but my problem involves both Macy 's old credit card and their new Macy 's AMEX card.

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 credit file, incorrect information was found in my reports. TheTransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the items that arereporting on my Credit Reports : XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$28.00} ; XXXX  XXXX : {$96.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$10.00} ; XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$21.00} XXXX XXXX : {$80.00} ; XXXX  XXXX Balance : {$310.00}.

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 2021-08-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/2021, TD Bank/Target closed my account without my authorization. I only opened the account about six months before and had a XXXX balance when they did so. I had made all of my payments on time and did not carry a balance. I wrote the bank about two weeks later to reinstate the account and they replied in writing that they would/could not do so. 

The closing of this account cause my credit score to drop overnight by 32 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I deposited {$15000.00} and was told I would get {$400.00} in interest. The bank, instead, and without disclosure, subtracted fees. They have not credited my account with {$400.00} and they refuse to return my 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 explanation
Consumer complaint received 2022-03-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from XXXX  school in XXXX with just over {$200000.00} in federal student loans, all FFELP. When the pandemic began and the Administration paused interest and payments for most federal loans, I contacted my loan servicer at the time -- Navient -- to see if my loans qualified. At the time, my husband and I were struggling to cover the costs of child care because our daughter 's school was closed, requiring us to pay someone to watch her and help her with remote learning. We both work XXXX-XXXX. Navient told me that the type of loans I have did not qualify. They did not tell me that I could consolidate my loans and that this would allow me to qualify for pandemic relief. I had no idea that this was an option. They instead directed me to a forbearance, which I ultimately had to do in XX/XX/XXXX, because I simply could not afford my student loan payments along with the ongoing increased child care expenses of the pandemic. In Fall of XXXX, I was able to attend a seminar regarding the Public Service Loan Forgiveness program, in which I learned that I was required to consolidate my federal loans in order to qualify for PSLF. I did consolidate, and was then surprised when my consolidated loan then qualified for XXXX interest and XXXX payments due to the pandemic. Navient should have informed me about this back in XXXX. The interest that I paid to Navient during the time when I could have had XXXX interest should be reimbursed to me. This was deceptive and a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: MO
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 submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however upon checking, I found out that you have closed my complaint. Again, I am submitting my complaint to you today to update this suspicious account. I think the credit bureaus have not validated this account XXXX XXXX XXXX Balance : {$8100.00} in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a home equity loan with Citimortgage and 6 years ago I was given a loan extension. The information on their website ( and information that I was given ) stated that the interest was due by XX/XX/XXXX. The balance on the original loan was paid off in XX/XX/XXXX ; however, Citimortgage chose to not credit this payment because " their system '' would n't allow for this to happen. I continued to pay at least my normal payment until the balance of the extension interest was paid in full in XX/XX/XXXX. Then " their system '' allowed for my payments to be credited to the account. My credit report shows 5 months of missed payments when in fact there were XXXX months of missed payments. I paid everything per their agreement and this should be reflected as on time payments until the account was closed. I contacted Citibank throughout the process and employees said that they agree with me but there is nothing that they can do for me because their system wo n't allow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: Securus J Holdings, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
From XXXX I've utilized jpay to message my incarcerated love one. During this period I've spent {$130.00} purchasing stamps to send videos, emails, and pictures. After jpay made a switch to how they message utilizing a parent company XXXX  I no longer have access to the emails, pictures, and video grams that I sent, nor the emails, pictures, and video grams that was sent to me. Regardless of the switch, I should still have access to information that I paid for. I tried calling Jpay on XX/XX/22 and was told it's nothing they can do and it's nobody I can talk to or no number she could pass on to me to resolve the issue, as she hung up the phone while I was still speaking. I'm asking for access to those valued sentimental emails, pictures, and video grams, or a full refund for the stamps purchased. I've included a screenshot of transaction but the full amount isn't disclosed because my bank only allows me to search for particular items up to 18 months, however I did attach a written receipt with the dates and amounts and if needed I will send the actual bank statements, I just didn't want to attach it because it's sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 
Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: EQUIFAX, 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:
I asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter to Experian, XXXX, and XXXX regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

Experian : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by Experian : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : C Zardin, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
bank of America is calling my home ever day and night threating me and my wife.be cause we paying the morage late .one month late because I get pay every two week.i informend theme about a 100 time that I am the only one work .my wife is very sick. she wont be going back to work. she file for s.s.but she still waiting.they are making threat.thatthey are going to come to my home.XXXX.send cop sand they also got the XXXX.calling and making threat.

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 2020-03-12
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company double paid my property taxes. Have been waiting for months for the second round of payments to be refunded back into my escrow account but they have not yet been refunded. During all of this, Ive also received letters from the school district saying that they havent even received their tax payment and that my taxes are now overdue.. title company has not done anything or made any efforts to fix this issue. School district is now sending me letters saying that I owe {$3600.00} to them ( originally {$3000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Several months ago, I made a purchase at a XXXX Sears Store. At that time I changed my billing address. Giving the store my new address. I thought the bill came in and was paid months ago. Yesterday, I received XXXX Sears bills in my mail box. They were placed there by the person that purchased our previous home. All with late charges. Today, I called the XXXX number and spoke to XXXX Citi Bank reps. I paid the original purchase however, they will not waive the remainder late fee. XXXX of the XXXX reps disconnected our phone conversation. I have an excellent credit score. The gentleman at Sears did not tell me that I had to contact XXXX XXXX directly to change my billing information.

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