BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On  XXXX   XXXX ,   XXXX  , I purchased mattresses from Macy 's using my store credit card for {$980.00}. I chose  Macy  's for my purchase to take advantage of their interest-free financing so I could pay the purchase off over time. I am currently under-employed due to health issues and have limited resources. At the time of my purchase, I did not remember that I had set up my Macy 's online account for autopay for the full statement balance, which I had done years before when I was in better financial shape.     On   XXXX   XXXX  , I received an email from  Macy  's that my statement was available. The email did not give any information about the amount that was due or the date that my auto payment would post.     On   XXXX   XXXX  , I received an email alert from my bank indicating that an ACH transaction to Mac y 's f or {$980.00} had posted. I did not see the email until   XXXX   XXXX  , at which point I immediately went onto the Macy 's credit card site ( which is handled by   XXXX   XXXX   XXXX   XXXX   ) to change my payment options so this would not happen again.     YOU CAN NOT CHANGE YOUR AUTOPAY SETTINGS FROM THE WEBSITE. In order to change them,  one  is required to call a customer service phone number, which is not a 24-hour service. I was unable to reach customer service because my call was outside of their office hours.     I believe it is an abusive practice to allow autopay but (  1  ) not inform customers that you will not be able to change the settings online, and (  2 )  force online customers to call a call center that is not open 24 hours to change online settings. I also believe that all credit cards that have their own autopay mechanisms should be required to alert consumers prior to the posting date of THE AMOUNT AND DATE OF THE UPCOMING PAYMENT. Given the exhorbitant interest rates they charge, this is the least they can do.

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 2016-07-20
Company: Caliber Home Loans, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This will be the fifth complaint against CALIBER HOME LOANS, INC., that has been submitted with CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The other XXXX CFPB complaints that have already been submitted to CFPB in the last twenty ( 20 ) days are XXXX, XXXX, XXXX, and XXXX. These XXXX ( XXXX ) prior complaints against CALIBER HOME LOANS, INC., has been and continues to be about the same subject matter. 
XXXX XXXX XXXX passed away on or about XXXX XXXX, XXXX. There was a BARGAIN & SALE DEED filed and recorded with the XXXX XXXX RECORDS & LICENSES OFFICE as XXXX or XXXX, which the rights of survivorship went to XXXX XXXX XXXX by operation of law because of the BARGAIN AND SALE DEED. XXXX XXXX XXXX got married since then and now goes by XXXX XXXX XXXX XXXX XXXX. 
CALIBER HOME LOANS, INC. then decides to mail a " Notice of Servicing Transfer '' dated XXXX XXXX, XXXX. Immediately after that XXXX XXXX XXXX XXXX XXXX faxes CALIBER HOME LOANS, INC., a " General Power of Attorney '' that instructs clearly to CALIBER HOME LOANS, INC., where to send any and all correspondences, XXXX mail, XXXX, regarding this matter to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. An " Affidavit of Survivorship '' that includes a Certified Copy of XXXX XXXX XXXX 'S DEATH CERTIFICATE as Exhibit " A '' was also faxed and sent to CALIBER HOME LOANS , INC . 
CALIBER HOME LOANS, INC., sent an acknowledgment letters about making the proper adjustments and changes dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 
After informing and warning CALIBER HOME LOANS, INC., about FAIR DEBT COLLECTION PRACTICES ACT violations by THEM continuing to harass and XXXX the people who are at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX mailing address, CALIBER HOME LOANS, INC. mails a " Mortgage Statement '' dated XXXX XXXX, XXXX, after being properly informed and notified on numerous occasions to mail and ship everything only to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX!!! 
CALIBER HOME LOANS, INC., has also been warned on numerous occasions that the property is not under XXXX XXXX XXXX, nor has it ever transferred to THE ESTATE OF XXXX XXXX XXXX because of the " Rights of Survivorship '' that XXXX XXXX XXXX XXXX received automatically by operation of law, with the evidence of the BARGAIN AND SALE DEED, XXXX XXXX XXXX 'S DEATH CERTIFICATE, and the AFFIDAVIT OF SURVIVORSHIP. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a very old alleged debt. Navient consistently call, text, emai and leave messages. During the pandemic when loans were supposed to be suspended, Navient has harassed me and did not cease from damaging my credit reports by not affording the protections encoded by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filled a dispute for the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Premier Portfolio Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
An agency going by the name premier portfolio group keeps calling me and several people I know from several numbers all over the country saying I have XXXX hours to respond, that I 've committed fraud and the likes. They never say who the original debt is from, and I am yet to be served with any papers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, 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:
fcra wrong info : Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/2021 XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery is responsible for violating multiple of my rights according to the FDCPA. I have sent Portfolio Recovery a notarized Affidavit of Truth with documented proof of their violations according to the FDCPA. According to 15 USC 1692B and 15 USC 1692F this company has repeatedly violated me and I am well within my legal rights to sue this company due to their repeated refusal to comply with the Federal laws they are obligated to abide by. After sending my Affidavit I received another phone call from an agent of this company attempting to collect this alleged debt, which is another violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion continues to report that XXXX of my loans from XXXX XXXX are filed in bankruptcy. All XXXX loans were paid, never late and in full. I have provided them with a letter from XXXX XXXX that states these accounts are being reported incorrectly. Transunion sent me a letter stating that the information would be updated correctly and sent a new report with updated information. Now, a few months later the report is saying included in bankruptcy again. I have disputed this multiple times. They will no longer accept a dispute online. I have to mail the same information to them over again. This has caused me multiple credit denials in the last few months. I want to know how to fight this once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union does not want to respond to my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for '' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist.

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 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wife and I declared Chapter XXXX bankruptcy in XXXX, 2013. Our petition was accepted and we have been current on all of our plan-related obligations to date. However, XXXX creditor, XXXX Bank, has continued to report late payments almost every single month to all XXXX credit bureaus. 

Last month I submitted a direct dispute request to Transunion via XXXX XXXX, but about a week later the dispute was completed with no change being made to my credit report. 

What are my rights and how should I handle this?

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 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX my ex wife used my social security number and ruined my credit without my knowledge of her doing so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Farrell Holdings, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car from XXXX XX/XX/2016. They had me finance through prime acceptance. The title to the car was never supplied. In a year and three months through 2 bonded title processes and making a complaint with the MVD, i drove around on a dealers plate, 2 90 day tags, and 3 30 day tags the company went out of business. The finance company repossessed my car three days ago stating the claims was because of 2 late payments. However, the title had never been furnished for me to get hard plates. And the car went to the auction the next day. I was told the only way I could get the car back was to make the full payment on the loan. Will from prime acceptance told me that they ship their cars out of state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report from Equifax and found the following item to be error. 

The following address listed below does not belong to me & must be removed immediately : XXXX XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account from XXXX state which is corrected by the university and it has been fixed on my XXXX and XXXX but transunion is still showing that account. This is account was established because I did n't submit proper paperwork to the university but with the help of the treasury department president everything was corrected. They have already sent the update out deleting the negative information and balance. Transunion has failed to comply with the FCRA standards and displaying correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote a dispute letter to TransUnion on XXXX XXXX, XXXX notifying them that they were reporting inaccurate credit information on my report. This letter went unanswered. Therefore, I wrote another letter on XXXX XXXX, XXXX to notify the credit bureau that my previous request for investigation had gone unanswered. As a courtesy I included a copy of my first letter as proof. I requested the item be removed as a proper investigation had not been conducted nor a timely response within 30 days as outlined in the FCRA sent to me. The FCRA states that if a credit bureau fails to conduct a reasonable investigation or respond to a request for investigation of a negative item, then they must remove the item from the consumer 's file. It is now XXXX of XXXX and no resolution of this issue has been made by TransUnion. The credit bureau, TransUnion, is in violation of the FCRA and should give this matter the immediate attention it deserves. This item should be removed from my credit file immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XXXX las year paypal limited my account. 
they ask me for document but when i try to send the info, they just close my account. 
they told me i have to wait 180 days for get access to my money but after they send me the email my money is avalible, i never can get access to my funds. 
i try to call and they just said wait for another email. 
more than 180 days and paypal still hold my money that is not good. 
your agreement said just 180 days no more. 

Paypal im really tire to hear said, fraud activity, suspisius activity or dispute, Please dont said that becouse my account do not have any of those thing associate. 

I want you tell me if when i can withdraw my money becouse, im really tired of wait. 

Paypal just gave me my money please. 
I know you dont want me use your services anymore but gave me my money, that all that i want. 
my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a medical collection debt on my credit from a XXXX XXXX that does not belong to me. I have disputed with all XXXX credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX  and Experian both have a judgment on me on file which was discharged in XXXX-XXXX  and refused to remove it from my credit report. Experian refuses to re-investigate it AT ALL. It is up to these bureaus to make sure they maintain the most accurate information as these items affect peoples lives, even if it means contacting the bankruptcy court directly. XXXX  already did their own investigation this year and the negative bankruptcy was removed from my credit report. It has been 10 years. I want this off my credit 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 2021-05-15
Company: Experian Information Solutions Inc.
State: PA
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:
Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached documents

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 2016-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Disputed previously with Transunion. 
XXXX XXXX Reporting is outside of the statue of limitations. Date opened was XXXX/XXXX/XXXX. It is XXXX/XXXX/XXXX. In the State of Ohio, a debt can only be reported for up to 7 years. This has been on my report now for 8 years and 11 days. I want this removed from my credit report within 24 hours, and a reward of {$25000.00} for Defamation of Character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This has been an ongoing issue with Transunion credit reporting. I now have copies of what 's being reported as my score. And the score they are giving others for me. I have attached a copy of my online report the I pay for. And have a copy of my report that was sent to creditor. This caused me another chance to get approved for my loan XXXX Again! I am paying money for a true credit score and am not getting it.. Both of these reports are right from Transunion and NO ONE ELSE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX My only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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