BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I need a payment history showing a running balance and payments made from when I opened the account until now. I paid this account off in XX/XX/XXXX in the amount of XXXX and there is a balance and now fees due. I need a running balance history with payments to resolve this. Plus they have not followed any of the Reg F guidelines on my account. I have been working with them since XXXX of XXXX and getting no where. I feel like I need an attorney or small claims court. Just provide me with the running daily balance and payments I made to verify this amount owed.If it's mine I will pay it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
YOU HAVE MY PAYMENT / CURRENT PAYMENT STATUS IN COLLECTIONS CHARGE OFF I NEVER RECICVED NOTICE THAT I HAVE A COLLECTION ON A SOLD ACCOUNT PLEASE VALIDATE THE COLLECTION YOU SOLD ACCOUNT HOW CAN I BE IN COLLECTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I don't think you can help me, but wanted this on record. Maybe it will help other victims. I've had several problems with my Citibank card getting hacked even though I rarely use the card ( it sits in a drawer as an " emergency '' card in case something happens to the card I use almost on a daily basis and never had issues with ). After not going online and looking at it for over six months, I noticed there was an unauthorized charge on the account for {$35.00} made in XXXX or XXXX. Citi has blocked my account, so I can't even access it now for the exact date. I called them in the beginning of XXXX when I logged on and told them it was a fraudulent charge. For six months, they kept charging me a late fee without notifying me. I never received a statement from them and didn't know about the charge until I went online to check my statement ( with plans on closing the card anyway ). They stated they would have someone contact me, but sent this charge to collections instead. Citibank needs to be investigated thoroughly. I don't have any problems with my other card that I use for online purchases, purchases in other countries while traveling and just daily use. The Citi card that sits in a drawer somehow has constant problems. I think someone inside the company is selling customer information. I have over XXXX credit, so this really won't affect me, but I know there are other people out there struggling because of the shady practices at Citi. Please help these poor victims who are suffering from the abuses of this criminal company. Thank you.

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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
They automatically enrolled me in a monthly subscription billing service that I did not enroll in. They have already started charging my credit card without my consent or knowledge.

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 2016-02-04
Company: Risecredit, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TSC Accounts Receivable Solutions
State: CA
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:
TSC Account Receivables is reporting a collection account on my credit files that is not mine. This account was opened fraudulently and is causing great harm to my credit score. I have never conducted business with this company or the company that sold this debt. TSC Account Receivables has never tried to communicated with me about this fraudulent account. DOB : XX/XX/1988 ; XXXX Account : XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax recently had a major security breech ( XXXX2017 ), failed to inform 140 million affected customers for five weeks (! ), had three executives sell stock worth millions (! ), did an incredibly poor job of managing mine and 140 million of my closest friends Personal Identification information, and then created a " Fraud '' alert system ( XXXX XXXX ) which opts consumers into legal situations were they may not join in a class-action lawsuit. This behavior and conduct is completely unacceptable.
I enrolled in a 90-day fraud alert to hopefully protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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:
Equifax mishandled my personal information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax mishandled my personal, sensitive information, and now I have been identified as potentially at risk, due to a security breach. 

This is a very real, potentially life-changing issue, and I want to know how equifax will be held responsible to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: UT
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:
Equifax happened A company I 'm forced to opt into and cant avoid handing over my information over to has open security policies that allowed the more nefarious types get all the personal information that matters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax had a major data security breach and my personal data was affected and could impact the following : Social Security number, Birth date, Home address, Drivers license number, Credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA
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:
We called in XXXX to end shut off service. Our lease was ending and we where relocating to XXXX. They did not disconnect the service on XX/XX/XXXX as requested. The new renters continued to use the service under me well into XX/XX/XXXX. When we received the bill and disputed why it was not disconnected when we requested. After the investigation, they found that the final bill should have been {$160.00}, however they sent us a final bill and reported to credit agency without allowing me to pay the bill. This should never have went to the credit agency since it was their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Scott Fetzer Financial Group Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My account has been in a dispute queue since XX/XX/2019. The company continues to have me make payments of a falsely advertised product that is a Ponzi scheme. The product is from XXXX ; who makes a molecular hydrogen machine that does not produce as advertised. It also requires filters to be changed every 9-12 months that was never mentioned when purchasing. This is a health hazard. I demand to not be charged for this product that I am not even using anymore due to health concern that may arise. UCFS clearly did not do their due diligence when taking over the loan. They are just as responsible for this machine as XXXX. I especially should not be making payments while in a dispute process. Multiple loan companies have forgiven loans for this product because of the reasons mentioned above. There has even been an XXXX article about the bogus product this machine is and the loan companies who have stood beside it. Some are now distancing themselves and lawsuits are occurring. Shame on UCFS for continuing to take money from the sick and poor.

I have made several attempts to resolve this matter with UCFS to no avail. I have made payments for the amount of {$360.00} since XX/XX/XXXX. I want that money back and to have my loan forgiven immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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:
I settled the account with XXXX back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from Trans Union however it is still reporting to XXXX and 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 2016-06-27
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Over the past two months, I have been charged a Credit Life Insurance ( XXXX ) fee on my Macy 's American Express credit card. I did not authorize or enroll in this product. It appears Department Stores National Bank ( card issuer ) may be enrolling cardholders without their knowledge or consent. On XXXX XXXX, I contacted XXXX @ ( XXXX ) XXXX to request a copy of the sign enrollment form and to cancel this policy.

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 2021-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Bank of America is erroneously reporting an account as delinquent to my credit report in an effort to cheat me out of money. This account was paid in full and never late. Please see the enclosed documents. 

BANK OF AMERICA XXXX 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
This is in regard to the security breach at Equifax. I verified with them that I was among the affected individuals. 

This kind of information mishandling is beyond unacceptable. Data encryption and obfuscation has become robust enough that if best practices were employed to maintain a secure environment, that this kind of breach would be impossible. Equifax was lazy and should be heavily punished for their incompetence and gross mismanagement. 

Furthermore, by using their 'free ' credit monitoring service, they are including fine print that forces you out of any lawsuits against them for this breach. It 's extremely scummy. 

I hope the CFPB comes down very hard on this organization. A statement should be made that handling credit information in this manner is unacceptable and then trying to quietly extort those affected by having them unknowingly sign away their rights to legal recourse is equally awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
ON XX/XX/2007 I SIGNED A STUDENT LOAN CONTRACT FOR MY DAUGHTER XXXX XXXX TO ATTEND COLLEGE. IT SPECIFICALLY STATES ON THE CONTRACT THAT ANY DISBURSEMENTS ARE TO BE SENT TO ME FOR MY SIGNATURE. I HAVE NEVER RECEIVED ANY DISBURSEMENTS TO APPROVE. I HAVE CONTINUALLY ASKED FOR THESE APPROVALS TO BE SENT TO ME. THEY WILL NOT SEND, BECAUSE THEY WERE FRAUDULENTY APPROVED BY THE DAUGHTER. ON MY CREDIT REPORT HER ADDRESS WAS LISTED AS I LIVED THERE AT HER HOUSE, WHICH I NEVER DID, AS I WAS RECEIVING MAIL THERE. THE APPROVALS WERE BEING SENT TO HER E-MAIL ACCOUNT, AND SHE WAS E-SIGNATUREING HIS NAME. ALL WE WANT IS COPIES WHERE THEY WERE APPROVED BY ME. THEY REFUSE TO DO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On Thur XX/XX/XXXX I received a call/voice mail from XXXX XXXX XXXX XXXX. I returned the call Thur XX/XX/XXXX to learn there is a student loan that is past due in my name. 

The Navient rep attempted to collect on the debt and confirm my address as being in Texas, which is not correct. 

Upon stating and restating have never lived in Texas I was provided the toll free number to call the Fraud Department and the call was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pennymac denied my loan application because they said they couldnt verify my occupancy. I have lived in the home since I bought the house. I did not have the forms that they asked for so I offered alternative forms that would prove my occupancy such as a pest control bill, a security system bill, and an internet bill. They said these documents did not prove I lived there. I offered other documents such as my pet adoption papers, property protection on my homeowners insurance and other alternatives however they still rejected my refinance. I have lived in the property since I purchased the home back in 2018 but they are stating that I have not and denied my refinance application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
please find attached the letter from macys for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except XXXX, they are not cooperating, please help this inaccuracy to be deleted from XXXX report thank you

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
I am very unhappy right now as my personal information was tamper with. I do n't understand as a company with this magnitude could allow something like this to happen. You put your trust in a company that is suppose to be secure and make sure all your information is kept private and it has been comprise. I want to know how you guys will fix this matter. I am really angry right now as to know that some where out there someone have my information and can using it. I have already been a victim of identify fraud. Why did it take you guys six weeks to notify myself and other consumers of this security breach, this is wrong. You guys know this is not acceptable coming from this company. This is wrong! wrong! wrong! Shame! Shame Shame! I see that your executives was able to sell their share to protect their money shame you guys. I will pray hard for you guys and contact my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I contacted Best Buy to have a payment allocated for a Promotional Purchase in the amount of {$680.00}. I was advised by an agent ( Best Buy ) that in order for the monies to be applied towards this promotion item, I will need to make my scheduled payment on XXXX. I have to contact Best Buy Allocation Department each time I am paying off a promotion item. It was never a problem before, on this one payment, I assumed it was done correctly due to all the payments in the past has posted correctly. I noticed the charge for the Promotional item was still showing up on my statement on XX/XX/2022. I contacted Best Buy regarding this and spoke with a Supervisor, who advised she would send this to the Back Door team and have them review the call on XXXX, this call was recorded for confirmation of the allocation payment, this would take 5 to 7 business days. I had a scheduled payment due XXXX, after making my payment, I called Best Buy again to ask why the Promotional Item was still showing up on my account. The representative of Best Buy advised the review was completed and because the payment was older than 2 billing cycles, that I would need to schedule a payment arrangement on that Promotional Item. I asked to speak with a supervisor, during my conversation with this particular supervisor, we discussed the previous supervisor notes and the outcome was unacceptable. As a consumer of Best Buy, I was assured that the payment would be posted and now I am having to make this payment again because the agent misapplied the monies.

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