BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I changed my autopay bank account inXX/XX/XXXX. I received a confirmation email that it was changed and thought all was good. I did n't order many things from them during the summer because I was incredibly busy with work so, I did n't bother to open my statements as I figured whatever little I owed, would come out of my bank account. 

On XX/XX/XXXX I was placing an online order at Macy 's my card was declined. That 's when I found out my account was past due. I looked at the autopay and the info was correct but no charges had been made to the account since I changed it. I did n't understand but took care of it immediately even paying the late fees because I did not want to deal with waiting and calling them during the week as I was scared to mess up my credit, which I painstakingly have been building up for the past several years. 

Unfortunately, today I woke up to an email from my credit score tracker saying it changed. It changed from XXXX to XXXX because of a 2 month late balance of {$110.00} in the Macy 's card. I am devastated that my credit could go down so much for so little. THIS WAS NOT MY FAULT! THEIR AUTO PAY SYSTEM FAILED. I called Macy 's and spoke with the Credit bureau representative. Showed my evidence that I had set up auto pay correctly and NEVER received a SINGLE past due notice from them. They said it 's still my responsibility to know if the auto pay went through even though it was their system that failed to collect the money. Now my credit score is blemished over a small balance that I can most certainly afford to pay. But they do not hold themselves responsible at all even though their online pay system failed and they never sent me one " Past Due Account '' email.

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 2017-10-16
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my macys account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

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 2017-08-29
Company: Mitchell Rubenstein & Associates, P.C.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
offices of Mitchell Rubensten & Associates are under courts favor of a garnishment agenst my Wife 's bank account for the amount owed. in sort my wife lost her job and my income was the only one coming in. are bank accounts are connected but sepurate. Mitchell Rubensten & Associates had all the account she was connected to Lock 100 %. this included my account. this lives me and my wife with no money for other bills that are due. I have tried to talk to them about my account. but nothing but you will have to wait until the next court date of XX/XX/XXXX in XXXX county the case number they have 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 2022-08-31
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Daily repetitive calls from Global Lending. They would call from numbers that comes up as Scam Likely. Representative will threatening to sue me, have claimed they are detectives calling to investigate a theft, and stated they will serve me at my place of employment. The debt was sold to a third party collection agency and was informed it was discharged as a lost. The collection agency is trying to collect on a debt that is no longer owed. They stop reporting to my credit report for over a year and in 2021 the collection calls and reporting starting with different dates being reported to all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, my home loan was purchased from XXXX XXXX XXXX by FlagStar bank in XXXX  of 2019.  At the time of my refinance, Flagstar bank was given proof of homeowners insurance.  I have received several notifications from FlagStar that they never received proof of insurance and that they are going to charge me for reinsurance, which is taken out of my monthly mortgage payment.  I have repeatedly called, emailed and faxed this company to proove that I have had consecutive homeowners insurance and yet they repeatedly deny receiving my proof.  I just want them to stop taking money from me fraudulently.

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 2022-03-04
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:
Hello so on XX/XX/XXXX I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX  and the XXXX data breach and may have gotten into the wrong hands.

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 2022-08-31
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 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 2019-08-05
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:
I have sent in all the proper documents to have this item remove from my credit. I was told by Experian that if i sent in the ftc and other supporting docs that they will remove the account

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 2017-08-27
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, After reviewing my credit file, I noticed an account was listed for {$36.00} with SCA Collections. Not only have I never been to this doctor, after speaking with SCA Collections, they had no interested in looking into the matter. I then sent them a certified letter stating that I was requesting a validation of this debt. In return, they sent me a letter stating their process and suggested that they have complied with the validation request by sending me a letter of their process. I have since called them back and demanded this debt be validated. I was then sent to a supervisor 's voicemail. I called back again and asked to be sent to the President of SCA Collection 's voicemail. I have yet to receive a call back after months of attempting to get this resolved with SCA and XXXX. As I have mentioned, I have never been to the doctor they have suggested and despite my attempts to validate the debt, they have refused to do so. In addition, after looking up SCA Collections with the South Carolina Secretary of State, I noticed their license was forfeited in South Carolina.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX  : Account # XXXX and # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXXC XXXX : Account 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 2017-06-27
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX, additional fees of {$20.00} was charged to my loan account through myloancare.com. Address LOANCARE XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This is when my loan got transferred from XXXX XXXX XXXX XXXX. I have asked loancare several times to remove {$20.00} imposed on my mortgage account. This amount was never reported in any of my statements as fees. Thanks.

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 2019-08-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We had filed a complaint with CFPB Ref No : XXXX and XXXX ( AMEX Ref : Ref : XXXX and XXXX ) regarding not receiving initial welcome bonus as per offer on American Express Delta Skymiles Gold Credit Card. 

As per AMEX letter dated XX/XX/XXXX - " You applied and were approved for the Gold Delta SkyMiles Card on XX/XX/XXXX. Your application included the opportunity to earn XXXX XXXX XXXX after {$3000.00} or more in eligible purchases are made on the Card within the first four months of Card Membership. '' However, letter also stated that we were advised that we were not eligible for bonus offer during time of application and I elected to proceed without welcome bonus offer. I wish to state that the above statement is not true. I have not received such message during my application and hence I was not aware of any ineligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: DISCOVER BANK
State: IL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Edfinancial is estimating over 6 months for people to receive their refunds from the CARES act. Not only that but they are claiming that they started the refund process but when being asked about it a few days later they claimed the refund request was never submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After getting a alert from my credit reports I noticed a debt that I know nothing about and contacted the collection agency Credit Collection SVCS and never received any verification that this fraudulent debt belongs to me AND THEY REFUSED TO SEND ANY VERIFICATION!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had/have a auto loan with Chase. In  XXXX  I had difficulties making payments do to a loss of work after a  XXXX   XXXX   XXXX . Then the vehicle started having significant mechanical problems not covered by the warranty. In  XXXX , Per Chase, I owed {$8600.00} total and they wrote/ charged off the account, I was never informed of this until recently and my understanding is this  XXXX  should have been issued in  XXXX  or  XXXX . I tried communicated with Chase at various points between now and then. I asked to communicate through email as it was easier because I worked nights at the time. I was ignored. Other then collection notices and a late night visit by a repo man, he was arrested, I had no contact with Chase. Fast forward to the present. Chase issued a  XXXX  for {$8300.00} to myself and the IRS , Date of Ide ntifiable action is  XX/XX/XXXX . I included it in my taxes. Now Chase tells me I owe them {$8700.00 } ( {$8300.00} plus interest ) to  close the account as the debt was not canceled or discharged like their  XXXX  form states. Chase informed me I still owe the debt it was not canceled, discharged, or forgiven. Chase then stated that when I pay it off I can fix it later with the IRS. If I do not pay it Chase states they will never do business with me again and my credit report will suffer. Chase refused to issue a fix/retraction for the  XXXX  that they state does not cancel or discharge the debt. The  XXXX  also states on the third page Chase sent me, " The IRS requires us to send you this form when we cancel {$600.00} or more of your debt in a calendar year. It can be all or part of your debt and can be issued as a result of Chase 's decision to discontinue collection activity and cancel your debt. '' Chase states my issue is with the IRS and not them. Chase states I still owe the debt even though it was  XXXX  and already claim as income on my taxes. Further, while researching the  XXXX  topic, it seems that it is almost solely Chase engaging in this ongoing behavior that allows them a tax benefit while also trying to collect a debt they discharged/canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent on  XXXX   XXXX   XXXX  my first letter to  XXXX   XXXX   XXXX  of Experian by certified mail  XXXX  asking him about the validation and provide me with copies of any documentation associated with this accounts. On  XXXX   XXXX   XXXX  Experian sent the report number  XXXX  saying that if I do n't send them additional relevant information to support my claim they will not investigate my claims. But they never sent me any documentation regarding my letter dated  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I send a letter replying the results on report number  XXXX  by certified mail  XXXX  requesting again that they failed to provide me copy of any viable evidence regarding the account claimed .Experian never answered my letter dated  XXXX   XXXX   XXXX  .On  XXXX   XXXX   XXXX  I sent my last letter by certificate mail  XXXX  giving them a follow up to my original letter dated  XXXX   XXXX ,  XXXX  regarding an inaccuracy in their credit reporting. On  XXXX   XXXX  Experian sent report number  XXXX  saying the same argument like last report number  XXXX  that they need additional relevant information to start an investigation.   I requesting Experian as they violated Federal law by not property investigating within the required time frame and I have evidence of such via certified mail receipts that remove all the items disputed in my l ast 3 letters  sent

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 2022-08-31
Company: DISCOVER BANK
State: NC
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:
The company, Discover Card, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! They have spammed my file over 20 times in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: General Motors Financial Company, 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: Old information reappears or never goes away

Complaint:
This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. GM financial  is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Banking services or operating as expected. SunTrust, BB & T merger into Now Truist has been a very visible failure. Having been referred to BBT in TX, no SunTrust brick and motor presence, BB & T ( now Truist ) had no banking information as to who we were as long standing SunTrust bankers. 
Long hold times, inoperable banking systems and no assistance after more than a year since the implementation of this merger.

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 2022-08-31
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX Balance : {$210.00} ; XXXX  XXXX XXXX : {$3900.00} ; XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$730.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$7600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO XXXX YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY!
2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN

Company response to consumer: Closed with explanation