BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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: 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive experian, XXXX, XXXX  continue to report neg. items not belonging to me. have contacted crediter. no response. experian stated they will not dispute said items again. experian states by law they do not have to dispute over 1 time. experian, XXXX  have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. XX/XX/XXXX XXXX  breech. info provided to me that my info was lost.

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: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased XXXX  XXXX  through Best Buy .com and paid with a Best Buy credit card. I only received XXXX XXXX. I have called XXXX and they confirmed someone else has been using and activated the lost XXXX with a different XXXX ID. Per XXXX they advised this item over XXXX should have had a signature required request for delivery. If someone stole this XXXX prior to reaching my hands by law I am or not legally bonded to pay for this item. I demand that Best Buy send me the item I paid for or reimburse my credit card for fees plus interested.

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 2022-09-05
Company: JNR Adjustment Company, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I booked a car rental via XXXX XX/XX/XXXX. I paid a deposit of {$110.00} and the balance was {$52.00}. XXXX merged me with XXXX. The day I picked up the car, I paid my {$52.00} balance and they said {$50.00} hold for tolls. I paid the balance on my XXXX account. After dropping the car off, XXXX charged my card {$180.00}. Then they charged my card as XXXX in the amount of {$110.00} XX/XX/XXXX and as XXXX XX/XX/XXXX in the amount of {$110.00}. I began receiving collection charges in XXXX and called the number, I was advised to ignore the letter as my account was paid. I received in XXXX XXXX and called again. I was advised must be a system glitch. 
In XXXX, I received a collection notice from JNR collections in the amount of {$180.00}. I already paid all monies that were due to XXXX, to XXXX. I wrote a letter to JNR advising that I am disputing the debt as I don not owe XXXX anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Servatus Corporation
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A review of my annual credit reports disclosed a debt being reported from a Credit Solutions Corp in XXXX XXXX, CA. The debt collector has falsely reported information to the credit reporting agencies. A collection account is being reported as an open account and the type of loan as a factoring company account ( debt buyer ). Furthermore, the collection is being reported as a high credit of {$200.00}. The term frequency is monthly ( due every month ). The date opened is being reported as XXXX XXXX, 2015, and the date reported as XXXX XXXX, 2015. The date major first delinquency first reported is XXXX 2015. In related CFPB case XXXX Credit Solutions Corp indicated the debt would be referred to the original creditor and they would notify the credit reporting agencies to remove the trade line. However, a review of my credit reports indicate the debt is still being reported by Credit Solutions Corp as a trade line and/or collection item and has not been deleted. It also appears several different addresses are associated with their collection agency in order to prevent consumers from disputing debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Genesis FS Card Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a genesis credit card sold to XXXX XXXX debt collector in amount of XXXX I made payment arrangements and have paid XXXX and only owe XXXX remaining. Which will be paid off in 3 weeks. The debt collector for genesis card services sold my account or transfered to a SECOND collector for XXXX XXXX XXXX XXXX  in the amount of XXXX although I only owe XXXX which is auto ach from my bank weekly for XXXX ( I have proof of payments ). They have 2 collection agencies collecting different amounts for the SAME debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX y.o mother has a checking account with PNC bank branch : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX She does not have a debit card, as so she does not have access to her funds with this bank. 
The bank has closed, the bank phone has no information ; in fact, the phone rings until you get a XXXX error message. There is a sign posted on the door of the bank saying it's closed, with no other information. 

This bank branch is in a community of elders and vulnerable adults. XXXX  XXXX XXXX is one of the largest retirement communities in the country. PNC has closed this branch, ( the closest open branch is in XXXX XXXX, FL, ; XXXX XXXX XXXX XXXX , XXXX XXXX, FL and is only accessible by car, if you are lucky enough to have one.  The faster route to the open bank is logged at 40 miles  from the XXXX XXXX branch via XXXX XXXX. 

PNC 's decision to close the branch, along with the reckless lack of communication to its patron is unconscionable. It's as if PNC has deliberately closed this branch, where they know its patrons have limited access and mobility and are unable to access their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I'm trying to purchase a home and my credit report was pulled twice the first report was accurate at the time it was being pulled then the lender pulled my credit again and old information showed up on my credit report ie child support, credit acceptance, web bank, and professional adjustment which isn't mine I reached out to Equifax and asked them what was on my report they said child support, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I said to them that I'm looking at my file on my Equifax dot com and  the credit file I see as of XX/XX/2020 says different and besides the XXXX XXXX it's the accurate report. Equifax is not reporting any of my positive credit on their side but on the web site the positive credit is being reported but they are reporting all of the old stuff causing me problems with the purchase of my home this is not the first time I've had a situation with Equifax and I'm prepared to file a lawsuit in Federal Court. note : when I contacted them I was told to hold on while they research the issue and I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I can not uploaded the items needed to correspond with my complaint XXXX. 
Wells Fargo has not provided email or fax number to send attachments either. 
As stated in XXXX XXXX correspondence, XXXX fees are my responsibility. Which you are correct, however I had a XXXX balance and a XXXX illegal lien on the property in XXXX right after my bankruptcy XXXX another XXXX lien placed with no money due except excessive legal fees, in XXXX and XXXX the management company placed XXXX other liens XXXX for XXXX and XXXX for XXXX and I knew nothing about these, they also had a judgement that I was paying. All of these liens were on title, if the title company did there job properly I would have found out about them and not incurred XXXX in legal fees and XXXX in maint fees since XXXX XXXX could have been sued for falsifying data and not providing to me. Attached is the PROPER FULL TITLE and suit. 
this is not a matter of the township or XXXX not providing or updating its a matter of the title company not providing this information to myself or Wells Fargo since im now paying this at XXXX per month and cant make my mortgage payments. 
My account was not handled properly as you can see from the proof I am providing you. 
And to top this off I went to make a mortgage payment and I am locked out of my account so your forcing me to go past the 90 days down if I can not make a payment by 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 explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXXXXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has 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 a 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 2020-03-26
Company: TRUIST FINANCIAL CORPORATION
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
For the last three weeks I have tried to call Sun Trust now Truist to discuss options during these hard times. Each time I give up after being on hold for five hours plus. After reading all the comments on there XXXX page Ive come to realize that any one calling in for relief due to the Corona Virus is experiencing the exact same thing. The customers that have won the lottery and actually have been able to speak with someone are only given the option to put the loan in forbearance for three months and then have all three months of payments due immediately. I understand that there a business so free to do what they want but when they flaunt on there website how there donating XXXX XXXX to help with the Corona Virus but unwilling to help there millions of customers thats just plain XXXX and a PR stunt to look good!!!

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 2015-09-08
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Other fee

Complaint:
I have had a Macy 's credit card XX/XX/XXXX as this is the best way to get coupons and save money purchasing items in the store. The discounts are good. Up until about the XX/XX/XXXX I have not had an issue with my card. I pay off my card immediately after using it and I only have it to get a better deal. The sales people push their line of credit while you check out in the store. On XXXX XXXX I made a purchase of {$150.00} and paid it online when I returned home through the Macy 's Credit Card site I never received a statement, I am signed up for paperless statements through my email. This did n't surprise me because I had already paid the bill and did n't have a balance, or so I thought. At the XX/XX/XXXX I was billed {$150.00} plus a {$25.00} late charge and finance fees. The bill was now {$180.00} and change. I called Macy 's who said my bank must not have processed it. I called my bank who told me that the issue is with Macy 's site as that payment was made on their system. I called Macy 's again..They were not helpful and continued to blame my bank. At that point I made XXXX payments in XXXX to get the balance to zero as I do n't want to ruin my credit. I did n't use the card again until XXXX days ago XX/XX/XXXX. The bill was {$56.00}. I was about to login today to pay the balance when I received an email with my Macy 's statement which seemed odd since I had just made the purchase. The bill was {$60.00} and change. I attempted to login to the website to see what the extra {$4.00} charge was. The site was down. I called Macy 's credit card customer service and spoke to XXXX different people before my issue was resolved. I spent over an hour on the phone. XXXX of the persons I spoke to did say the site was down and that some could login and others could n't. I do n't believe the first person even listened to what I was saying and kept trying to get me too pay the minimum {$4.00} payment and telling me that there was a late charge as the bill was due XXXX. I explained to him multiple times that I received the bill today so I could n't understand how there was a fee on a product I bought XXXX days prior. I am annoyed that I did n't pursue the fees from XXXX. I did some research and I noticed there are many others complaining about the same issues I had, website not working, getting late fees and not receiving statements. I believe this is fraudulent activity and I would hope Macy 's would care enough about their customers to do something about their horrible credit card company, especially because they push it on all of the customers that are checking out and it is the best way to get good shopping deals. If you check the history of my account prior to this XX/XX/XXXX you can see that I have consistently paid all my bills in full. This credit card company needs a wake up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I do have a loan with SPS XXXX # XXXX. This is my PR. During pandemic and lock down we got a deferred payment on our mortgage. XX/XX/2021 we got a letter from lender ( SPS ) that they are going to put our last 12 month mortgage payment in a deferred account and when we decided to sell or home it will be paid at pay off. Since than I have been in contact with SPS and requested to please reduce my mortgage interest rate, since during the pandemic my interest rate has been adjusted to 4 % and my mortgage payment with up. I asked lender ( SPS ) to do a loan Modification to help. After 6 month I have received a letter that the put me on a repayment plan!!! with that plan my payment has been increased more than a {$1000.00} a month!! I told them how you came up with this solution!!! " I asked to reduce my payment not to increase my payment!!! They have took the deferral payments ( Payments during pandemic and lock downs ) and added to my mortgage payment. and when I asked them I asked to do Loan modification, I got a letter that we can not reduce your mortgage amount. I never asked to reduce my mortgage amount All i asked to reduce my rate to 2 % and give a fix long term loan. 

Please help me, I really don't understand what these people are thinking, I tell them I can not make my regular mortage payment, than they increase my mortgage payment a {$1000.00} more! My loan was modified once with a rate of 2 % and why now they tell me my loan is not qualified?? it was qualified once, what happened now that it is not qualified again!!! I have never had a chance to speak with my relationship XXXX, always spoke with customer service and unfortunately they were not a help. 
This is my only home and do have an elderly living with me too. the amount of stress and anxiety this lender cost me is unbelievable. We have gone through alot due to this pandemic and have lost a lot. 
Please help. XXXX bless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank had lied to me and continue to playing a game with me. Their deceptive practice is unacceptable. Need to be corrected immediately. I heard there were thousands complains about the Citibank on purposely delay or deny customers ' bonus. I think all the victim customers should file a class action lawsuit to against Citibank. 
I successfully deposited {$15000.00} to my bonus checking account and waited for bonus to credit to my account. Until now XXXX more days had passed I have n't see a penny. When I open the account, it was stated on Citibank 's website and I had personally confirmed with their representative, that If I deposit over {$15000.00} in to the account within 30 days of account open, and keep the minimum balance of {$15000.00} for 90 days, then I will receive {$400.00} bonus. My account was opened on XX/XX/2016 with {$10000.00}. My promo code is : XXXX. And on XX/XX/2016 I added {$5000.00} to make the total balance to {$15000.00} to meet the requirement. I called Citibank multiple times about my bonus, they all said I 'm qualified for the bonus, but they gave me a deference date the bonus will be credited to my account. Today, I had contacted them and they said they do n't know why I did n't have the bonus and I should have had already. By logic, they should just credit the bonus, XXXX, they said they need open a case to do a " investigation ''. What a baloney! This is the dirty trick they are playing. Unbelievable! My account is clear as pure water, there was a deposit date and deposit amount, and the total amount never changed during these XXXX more days. What to investigate? Citibank is just do n't want to honor the offer on time and playing a game. This kind of dishonor behaviors should not be tolerated.

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