BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
On or about XXXX XXXX, 2016 I booked my traveling arrangements including my flight and hotel ( bundle ) reservations for a 3-day stay at the XXXX XXXX XXXX in XXXX XXXX, FL. The arrangements were booked through XXXX. I agreed to pay the airplane tickets for a listing price of {$190.00} each and proceded to booking XXXX seats ( XXXX adult, and XXXX kids ), but inseated was charged {$370.00} for each ticket and XXXX for hotel reservations and insurance. Back in XXXX I called both XXXX and American Express to advised them of this error and provided them with the opportunity to amend this error. Yet they XXXX have failed to make me whole again. Upon reviewing my credit billing statements in XXXX my total fees amounted to {$1700.00} plus the {$190.00} listed three ( 3 ) times. My American Express Card # XXXX and the disputed amount was listed for {$950.00}. To date American Express data base claims they have no records for my account or the claimed I filed with them. The only information I received from them was a survey on the billing inquiry. American Express failed to investigate my billing error according to the billing and error resolution timeliness as prescribed under Regulation Z. To date they have n't resolved this claim and have not admitted they have made a mistake in resolving the error. My account was sold to XXXX Bank in XXXX 2016 with a new assigned credit card # XXXX, I have reached out to them too and they do n't have a record of any of my statements or this claim. I would like for you to investigate the results of my claim.

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 2016-10-03
Company: CHARLES SCHWAB CORPORATION, THE
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Charles Schwab stockbrokers control Schwab which generally consists of XXXX people ; they illegally operate interstate banking using a combination of primarily brokerage account, BU THEY CONTROL THE BANK, They are attempting to close my checking account which they have no legal authority to do. They are NOT happy when I shorted Schwab stock and bought a put option. 

We believe that the FDIC could shutdown for unlawful banking activities We believe the CFPB should assess Schwab {$500.00} XXXX. 

We wrote perhaps {$55000.00} in checks against a {$90.00} thousand deposit and these check including a check for the purchase of a car need to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a previous complaint number XXXX. The letter the company put on your website, which was correct, is different from the one the company has in their system. I am also concerned about what is going on with my overpayments, as it is not addressed in this letter. I continue to receive collection calls. The agents and supervisors state there are numerous misapplications of my payments. This has been going on for 6 months. I spend HOURS every month on this and have not been able to get this resolved.

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 2020-04-20
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Us bank is reporting to credit bureaus that my account is 30 day past due for the month of XX/XX/XXXX. I requested this company to investigate this matter multiple times but failure to do so. My account was never 30 days past due. My payment was late but never 30 days past due. My due date was on XX/XX/XXXX. A payment made was XX/XX/XXXX. Posted on XXXX. That is not 30 days past due. 30  days past due would be XX/XX/XXXX. This creditor is falsifying information on my report.

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 2022-09-15
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2022 I bought a {$400.00} XXXX  gift card from XXXX and I tried to purchase something online and my card got locked, when I called the gift card service to get it fixed they said it was suspicious website was probably a scam that I purchased from so they locked my card and I requested a card and didn't receive it so I called them and requested another card and I still didn't receive and for my first card request they sent it to the wrong address the second request they made me wait 20 days just to request for a second card so I decided to request for a check of my money back and it's been almost two months it's XX/XX/XXXX, and I still haven't gotten my refund and I called them today and they said I have to wait another 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked the credit bureaus to do a verification of everything on my credit report, they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did full research. In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # ending in XXXX, XXXX XXXX ending in XXXX, all XXXX XXXX XXXX  Accounts ending in XXXX all have 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 non-monetary relief
Consumer complaint received 2015-06-16
Company: Solidus Group LLC.
State: FL
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I am receiving calls from fake process server named XXXX XXXX saying he will come to my place of employment to serve me. He gave me the phone number of the " client '' to contact. I called the number XXXX and spoke to XXXX XXXX. She began by stating I had committed fraud maliciously and I was going to be prosecuted for a payday loan that involved XXXX XXXX checking account in Florida. When I asked her if she was a debt collector, she replied " yes ''. I asked her why she did n't read me the XXXX warning as is required by the FDCPA. She then began to read the XXXX warning. I told her that she was violating federal collection debt practices law by having someone call to threaten me with serving a warrant and by not identifying herself as a debt collector. Then she began to yell at me that I was a criminal and I was going to be arrested for stealing money. I hung up and XXXX minutes later she called me back to tell me that she was n't afraid and I was going to be sued and then she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Reporting inaccurate data information

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my 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 2016-03-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Macy 's Credit Card issued a card to an old address and debt incurred was not made by me. After getting odd calls asking for me and then they would ask for customer identification info. When we ask to have a contact # back they gave the following XXXX # 's XXXX, XXXX which are neither Macy 's credit card customer helpline. After inquiring which company, they stated they were Macy 's XXXX XXXX collecting on debt. I contacted Macy 's Credit Card at XXXX and cleared the fraudulent charges with their fraud department. Afterwards, the XXXX continue 's to call every morning.

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 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Orginally I had an   XXXX   XXXX   XXXX   (   XXXX   XXXX    spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score w ent up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?

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 2017-10-13
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 information incorrect

Complaint:
XXXX XXXX of CA incorrectly has listed XXXX debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the XXXX credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.

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 2016-03-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have been a Macy 's customer for about 40 years. In XXXX 2015 I paid the account in full. In XXXX I received a statement stating I owed {$2.00} with no explanation. I tried calling but was left on hold or the call was dropped. In frustration, I went to the Macy 's store in XXXX, CA. 
They no longer have a credit office. One of the clerks called their credit department and it was explained the {$2.00} was for maintaining the account open!!! I was never noticed that if I have a XXXX balance I would be billed {$2.00} per month. The person agreed to waive the {$2.00}. charge and I told them I would be closing the account. I cut up our cards and sent them a letter telling them to close the account. Then I received a statement from Macy 's adding another {$2.00}. charge plus the {$2.00}. from the previous month for a total of {$4.00}. and giving me a credit on the account of {$33.00} stating it was a refund for a late fee. I did not pay any statements late. The are continuing to bill me {$2.00}. month for maintaining account that I closed in XXXX. I believe the {$2.00} a month fee is illegal. I want them to stop billing me and if they think I have {$33.00} credit, I want it mailed to me. If they are billing {$2.00} a month to XXXX of credit customers who have no balance due, they are billing the public XXXX of dollars a month for nothing.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 78 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/2022 I have paid the outstanding amount owed as well as all of the collection fees that were due to the XXXX county clerk of courts for MIDLAND CREDIT MANAGEMENT INC. they have refused to accept payment and notify the credit bureaus this payment has been made they are falsely reporting that I'm occurring interest each month on a debt that has been paid in full this account needs to be removed and updated to the credit bureaus with the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 XXXX purchase via app. 2 charges- XXXX and XXXX. Filed dispute with Wells Fargo. Given provisional credit XXXX. Wells Fargo completed its review. In spite of me moving to another city Wells Fargo refused to give me the resolution over phone. That is their policy. This did not allow me anytime to plan in case they retracted the credit. After my move I went to a Wells Fargo branch in XXXX XXXX NM and spoke with XXXX. She checked what was done and said the credit would not be retracted on XX/XX/23 the XXXX was taken back out of my account. I am on social security.

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 2020-03-26
Company: EQUIFAX, INC.
State: IL
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:
Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent Experian 3 seperate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccuratly, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Experian claims to have " verified with creditor '' and I believe this to be false. How can Experian verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Experian to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you** Please see the last page on our credit report we have attached, It shows the address listed for XXXX XXXX and also see the returned letter sent to that address**

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a copy in writing from Annual Free Credit Report of my credit report ; I received a notice from XXXX and Experian stating they had sent it to me ; I did not receive a report from XXXX or Experian ; ( Note : I did receive my free copy from 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