BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am in receipt of my XXXX credit report number : XXXX, dated XX/XX/XXXX, and I noticed Macy 's, ( XXXX XXXX XXXX, XXXX, OH, XXXX, ( XXXX ) XXXX ) placed an unspecified inquiry dated XXXX XXXX. I have existing accounts with Macy 's and did not request the following ; 1 ) open a new account 2 ) complete or request an application for a new account 3 ) place a request for an increase of line of credit on existing accounts. 
Therefore, under the FCRA Macy 's had no validate reason to place an hard inquiry on my consumer credit report and refused to delete said inquiry until XXXX. 
I believe Macy 's is engaging in XXXX profiling and intentionally using techniques designed to lower the credit scores of minorities. In XXXX, I filed and complaint with CFBP against Macy 's for failure to report my accounts with the XXXX credit bureaus which lowered my credit score. Macy 's intentionally placed an hard inquiry on my XXXX credit report as an retaliatory action in addition with the sole purpose lowering my credit score.

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 2018-03-20
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have XXXX credit protection through XXXX because my information was compromised through their security breach. There are now collection notices from Sunrise on my report. I am not behind in any of my debts. I never received a bill or any other notice that I owed money to XXXX XXXX XXXX XXXX prior to this notice on my credit report. I was not aware of this alleged debt in any way prior to this notice. I have disputed this debt in writing with Sunrise Credit Service. I do not believe these businesses should  be able to phish for a response from me by placing a notice on my credit report without first sending me an actual bill that I don't actually pay. I do not do business with XXXX XXXX XXXX XXXX in any way and do not have a debt with them.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: GA
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 my consumer rights have been violated.

The companies are violating my consumer right to privacy Pursuant

to 15 U.S.C 1681 section 602 A. States I have the right to privacy. The companies are violating my consumer right Pursuant to 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. Pursuant to 18 USC 8, I owe no debt. The following accounts are violating my consumer rights. Please immediately remove the accounts from my credit report. 

XXXX 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 2022-10-17
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son, XXXX XXXX XXXX, received notice that American Express sent him to XXXX XXXX XXXX XXXX to collect {$900.00}. This was his former employer, XXXX 's American Express XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and American Express says they can't access the info because it went to XXXX and XXXX hangs up on you siting an " error '' while on hold. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Nelnet, Inc.
State: SD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My loan was transferred from XXXX to Nelnet back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the XXXXXXXX XXXX  back in XXXX at XXXX percent interest. Under the current law, my credit shouldn't be affected at all. Nelnet keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi my name is XXXX XXXX. Recently my step dad had a XXXX   XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX XXXX because of his XXXX XXXX. Long story short, we tried getting my mom an XXXX XXXX XXXX ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ trans union and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/trans union/ and my XXXX report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged 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 2017-08-26
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Credit Systems is reporting an account that had been removed from their files. Last year, this account was deleted from all three credit reporting agencies for inaccuracies. Once an account is deleted for cause, it can not be reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Bankers Auto Acceptance
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Time Finance company is calling me repeatedly today XX/XX/2017 The called 6 times in a row around XXXX I was at the doctors and left a voicemail they have called 4 times after through the day ... .a voicemail is considered contact as well

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 2022-05-31
Company: Chime Financial Inc
State: TX
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/XXXX XXXX XXXX unauthorized transaction {$8.00} XX/XX/XXXX XXXX -XXXX  XX/XX/XXXX unauthorized transaction {$66.00} I have been with chime for 2 years. I am so sick of telling this story but I am filing wherever I can because this bank is treating me like my business is worthless. 
I keep my life savings at this bank and it was fine until last saturday someone stole my debit card and used it at XXXX gas stations in another city. I immediately recieved a notification and called chime. I wanted to stop the pending transaction obviously because I didn't authorize it and I cancelled my card. Chime told me they had to let my payment post before they could issue a credit. I should have seen this as the scam that it was and asked for a supervisor immediately but I was trying to do what I thought I should do. Now here we are on Monday I called I filed a very detailed dispute and they refused to refund the money from these illegal charges even after me reporting them. So basically they aided in the theft of my money I am guessing to protect the merchant instead of helping me as a consumer that banks with them. 

I have asked them several times in several ways to give me my money back but they wont help me. I am a mother of XXXX boys I go to school and work full time and my rent increased I need that money back I have never reported anything before I am not being dishonest but they don't care. I really think this bank is a scam. I tried to dispute the charges before they posted and it wouldn't let me then I called and asked for a XXXX and they sent me to someone in another country with kids screaming in the background who told me that she couldn't re-open my dispute. Then we I emailed support they basically told me I have to find these random XX/XX/XXXX stores and beg the merchant to return my funds... I feel like this isn't even legal and I feel like im being robbed by my own bank. I went ahead and created another account with XXXX hoping that I can invest in a better institution but I know this situation is some kind of a scam and I am not going to stop reporting what happened to me. I just want my money back for the transactions I didn't initiate. If that had happened I wouldn't even be considering another bank. I just think I have been scammed by this bank. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered a product online but when I received the package was empty so I contacted the merchant first, which told they would open an investigation and follow up with me but they never did. Then I contacted XXXX XXXX and sent them all my evidences, they gave me my money back. Unfortunately my Costco XXXX XXXX credicard was not longer valid, Costco and XXXX XXXX ended their business relationship and all accounts was transfers to City. City without my knowledge return the money to merchant and is charging me the amount. I called City customer service and explained the situation but they totally washed their 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 monetary relief
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was granted forbearance for a loan at the early days of Covid. The bank suggested that the amount owed during the Forbearance period would be placed at the end of the loan. Instead, at the end of that period Bank Of America insisted on the full amount owed during the forbearance period. I could not pay it in full and contacted the bank. I was instructed to start paying the normal monthly payment and I did to this date. The bank sent me a loan modification form and I filled it out but they wanted more info and I dropped the ball at that time. I have since paid the full amount owed during the forbearance period {$9800.00} but now see on my credit report that they reported me late for 3 months. I paid {$900.00} every month, on time. I had great credit. By the way, I had two other mortgages that placed the forbearance amount at the end of the loan. What's up with BOA?

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 2018-03-20
Company: RSH & Associates, LLC
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 wrote XXXX several times regarding the inaccuracies they are reporting on my credit report on behalf of RSH & Associates LLC for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask XXXX to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to XXXX  was XX/XX/XXXX and again on XX/XX/XXXX. XXXX responded that after the investigation they concluded the information reported by RSH & Associates LLC was accurate and the collection remained on my report. XXXX did not require the company provide them or me with debt validation as I requested and XXXX was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to RSH & Associates LLC to demand they validated the debt they are reporting to XXXX. RSH & Associates LLC has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX student loans with the Dept of Ed/NELNET. 

DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$6200.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$4300.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$7700.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$5600.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$79.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$2200.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$3700.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$2800.00} I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days late as of XXXX XXXX and 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: DISCOVER BANK
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
From the covid- i was in deferment and i been making payments since XX/XX/XXXX but since showing i owe over {$40000.00} which is incorrect. 
i have called mutiply times, they refuse to assist me, i request to speak to a manager. they refuse to give a manager, i ask for there supervisor, refused me that also. 
they mention it a few weeks to update my files- it's have been months i have document to back this up. 
i believe interest has been adding up and they have been adding to the principle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
After numerous problems using the credit card, I am now unable to use rewards Citi promised me for using its card. I receive the following message when I attempt to use the awards after logging into my account : You must be the XXXX Account member generally the Citi primary cardmember or primary signer on the enrolled Citibank checking account to access the associated XXXX XXXX Account from this website. XXXX Account membership and Points redemption are subject to applicable Terms & Conditions. 

I chatted with Citi customer service after being on hold for XXXX minutes. They told me they couldn't help 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 explanation
Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.

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 2017-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I was moving and made a purchase of XXXX for a bed at XXXX online with my citizens bank visa credit card on XX/XX/XXXX canceled transaction on XX/XX/XXXX closed bank account on XX/XX/XXXX and I was told that if the refund was rejected because of a closed account then a check will be issued I did not receive anything so I called again and again and they kept telling me that it was refunded and when I called citizens bank they said they did n't I finally went into a citizens bank and they said that the account is still closed and the refund was not issued I had a bank representative call with me and XXXX said they will issue a refund and I received an email on XX/XX/XXXX stating that a refund was issued and I should contact citizens so I went back to bank and called again and got a response from XXXX that a full refund was issued and contact bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off this loan and it was overpaid by {$650.00} in XXXX. XXXX ( I think is Santander Bank ) said I would have the refund no later than XXXX XXXX. I called and they said they issued me a pre-paid debit card through XXXX, but I never received. I have called several times and have not been able to get my issue resolved or my funds released back to me. At one point they were telling me it was my responsibility to contact XXXX to get them to re-issue the debit card. When I called XXXX, it 's an automated voice response system that requires a XXXX digit account number. Because I never got the pre-paid card, I have no account number so XXXX could n't help me. I called XXXX back and asked for a manager and said if they did n't help me I would go to the CFPB and the agent said because I said that she had to hang up on me. I called back again and asked for a manager, who told me again I would have to go to XXXX. I told him that XXXX could n't help me and that I wanted to speak to someone above him. He then transferred me to the " office of the President '', where I left a message. Noone has contacted me back to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$800.00} XX/XX/XXXX - {$800.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$1000.00} XXXX XXXX - {$1000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} All transactions were supposed to be going to stuff, but I never received any receipts for the transactions and never received the service that was paid for from any of the transactions.

Company response to consumer: Closed with explanation