BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a prepaid Citibank card and a merchant issued a refund of XXXX to it because it was one of the cards I had on file with them. This was issued in XXXX of 2017. I have contacted Citibank numerous times and sent them all documentation they requested. I have documentation from the merchant showing this transaction and Citibank accepting the credit of XXXX. The merchant had 2 cards on file for me as I have an ongoing marketing account with the company, the other bank card on file had expired and it was the one charged for the original purchase however they automatically remove cards with expiration dates so they issued the refund to the Citibank card as they assumed I would receive it, WELL I never did and Citibank has kept that money for almost a year and has not added it to my prepaid card or sent the money back to the merchant so that they could return the money to me. All Citibank has done is give me the runaround and are holding the money that belongs 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 monetary relief
Consumer complaint received 2023-03-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a used car, a XXXX XXXX XXXX and financed through Huntington Bank in XXXX. I was XXXX at the time. A year later, the car was totaled in an accident. My insurance wouldn't cover the entire amount, however I had purchased Gap insurance at the time of buying the car. There was around {$330.00} left to be paid. My dad, my co-signer, contacted the gap insurance company to get the remainder paid off. There was an issue with them where they wouldn't contact or pay the bank directly. We spent months talking with Huntington and the gap insurance company trying to get the situation settled. I was under the impression that it got taken care of from the gap insurance company. I pulled my credit and found that every month for the last FOUR YEARS, there's been a derogatory mark on my report because the gap insurance company in fact did NOT take care of it. The negligence of Huntington Bank and the Gap insurance company has caused damage to my credit score. Neither company contacted me or my dad in regards to the delinquent account. I was unable to even see when viewing it within XXXX XXXX. I contacted Huntington to see if they could help correct it, but all they can do is mark the account as charged off after I paid the balance. More than I'm concerned about the money I wrongfully just paid, I'm upset about the four years of damage to my credit due to someone not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: DISCOVER BANK
State: TX
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:
Discover Card refuses to let me use the {$1900.00} credit I received due to a fraud dispute being decided in my favor. I tried to do a car advance twice for the credited amount and it went through. Then it was reversed and taken out of my {$11000.00} credit limit. They refused to reverse it back forcing me to pay the advance off. I paid {$1800.00} on XXXX. Because they wouldnt credit me back the way they should have. Now I still haven't been able to access or use the {$1900.00} credit I was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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:
ftc or FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fcra violations names are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 mailed several letters asking TransUnion to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

The accounts are listed below. 

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 explanation
Consumer complaint received 2023-06-06
Company: ULRS, 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:
United Legal Group/ Credit Collections Bureau XXXX XXXX XXXX XXXX XXXX CA, XXXX Subject : Dispute of Debt Collection Account : [ XXXX ] In accordance with the Fair Credit Reporting act, account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 16811 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I requested the following information be provided to me within 30 days from the date on the receipt/letter ( XX/XX/23 ) : 1. A detailed account statement, including the original creditor 's name and the specific charges allegedly owed.

2. Copies of any contracts, agreements, or other documents that demonstrate my consent to incur this debt.

3. Proof of your agency 's legal authority to collect this debt on behalf of the alleged creditor.

4. Any documentation supporting the claim that the debt is valid and belongs to me, including proof of identity and account ownership. 

As admitted by XXXX XXXX XXXX, they never responded to my letter with verification and claim a signature that has my " name '' by it is the only thing connecting me to the debt- to which I have expressed multiple times, I don't recognize. She also stated. the last thing they sent to any mailing address was in XXXX, well before any dispute I sent/filed. 

I must remind you that under the Fair Credit Reporting Act ( FCRA ), any negative information regarding this disputed debt must not be reported to any credit reporting agencies until the matter is resolved and the debt 's validity is established. We have far surpassed the 30 day allotment. 

I still have my USPS receipt and a copy of the letter that it was sent with, via Certified Mail. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be XXXX high balance and same date on this account. This account has not been properly verified. 
PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME

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 2022-06-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized credit inquiries on 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PLEASE DELETE THESES accounts I have never given my Premission for anyone to furish these Negative accounts. I know the law and I HAVE right Privavcy 1 ) XXXX XXXXXXXX Account # XXXX Delete 2 ) XXXX XXXX XXXX XXXX account # XXXX NEVER LATE 3 ) XXXX account # XXXX Delete 4 ) XXXX XXXX account # XXXX Delete 5 ) XXXX XXXX XXXXXXXX  account # XXXX Delete 6 ) XXXX XXXX XXXX  Account XXXX XXXX Never Late I never gave my permission to furnish any negative accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac, LLC claims to have interest in the property held in my name. I am a veteran and the property was purchased through a VA loan program. I am also XXXX XXXX from a tribe that holds it's sovereignty separate from the United States. PennyMac tried foreclosing on this house in XXXX and was unsuccessful through the state courts. This case BELONGS to the federal district due to my native status. XX/XX/XXXX PennyMac claims to have purchased the house for {$220000.00} and transferred the title to " XXXX XXXX XXXX , c/o PennyMac Loan Services . '' After the forensic audit was done on the mortgage and instruments it was found that the loan that PennyMac claims to have issued is VOID. There is no promissory note and since everything was filed through MERS there is no valid chain of custody for anything documenting the loan. This mortgage was sold into a MBS fund illegally after the closing date of the fund, which again makes the mortgage void - essentially turning the mortgage into a stock and can not be reverted back into a mortgage. By the auditor 's calculation, PennyMac and several other " loan servicers '' have been paid multiple times via this mortgage and continue to make money thought the stock into which it was sold. Since no company, especially a SERVICER such as PennyMac, can not prove ownership nor lending of any funds at all the mortgage is on at least four points VOID. All of these arguments would need to be satisfied by a Federal CourXXXX in which my tribe is named as a a defendant and loan proven to be issued by PennyMac Loan Services , LLC . None of this can be shown true in a Federal Court. I have overwhelming evidence to support everything I've stated and demand that PennyMac follow the FEDERAL LAW that applies to my house and this situation. Everything PennyMac has done, including harassment, violating/ignoring law, and abusing court process is illegal and the foreclosure that they have brought falls under all of these categories. PennyMac has received many letters from me demanding proper documentation on the loan, cease and desist demands, has been notified in writing of all the laws that protect me and my property and is fully aware of my veteran and native status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that this accounts is fraudulent I file a FTC identity report I file a police report also I reach out to the creditor got no response with the information here, such as an account opening was made without a permissible purpose. As a result, this information is inaccurate and should be removed & deleted from my credit report asa

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
As per my previous complaint the account is still open and now has had XXXX has been transferred through the account after I told them that this account is fraudulent. I've tried to clear it up with the bank this is the second time that this has happened while being in the check systems and also have a freeze on all my credit reports but this account still has managed to be opened still is opened and they are refusing to close it when I last spoke with Bank of America they assured me that the account would have been closed which one I called in the account is still opened this account I never authorized to have opened told the bank this even told them before they started transferring the money and they still allow the suspicious activity to happen now I know I'm not no genius in the banking industry but I know that there is regulations that each Bank should be following and if these regulations are in place then how do people like me become victims from this bank that's been around for all these years if this is something that Bank of America has been doing which they have been accused of opening accounts fraudulent accounts to get the kick back perks I want this account closed immediately I'm in the process of talking to an attorney and I'm going to sue Bank of America for emotional distress this is annoying and it's a waste of time if the people from Bank of America are not going to follow through with their part in this mess I'm not filling out any kind of form or paper to be mailed back to Bank of America and the reason why is if they are this irresponsible with my information how do you think I'm going to feel if I put all of my information on a piece of paper and send it to them it's never going to happen I want the account closed now this is the last time that I will ask for this account to be closed and then I will take matters into my own hand and hire an attorney to have this account closed. I will also see for Bank of America to pay all my attorney 's fees as well. Close the account. I've also shared my story with local and international news stations so they are also aware of how Bank of America does business.

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 2022-03-17
Company: Exeter Finance Corp.
State: VA
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:
Account # XXXX Exeter Financial still reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  Owner account no. XXXX amount {$8900.00}, date opened XX/XX/XXXX, remove " Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage and late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, amount {$880.00} date open XX/XX/XXXX, remove Derogatory collection remarks XXXX XXXX account no. XXXX amount {$3000.00} date opened XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account, Charged off as bad debt Purchased by another lender. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act Convergent Account # listed above, 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 explanation
Consumer complaint received 2019-05-21
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number has called my cell phone repeatedly and left very vague messages. Each message says " You have a message from XXXX XXXX XXXX. This is a call from a debt colletor. Please Call XXXX. Thank you. '' There is no information left as to what the debt is, who the call is for. Also, the number to call back is not the same number they are calling from. I do not have any outstanding debts. XXXX XXXX XXXX marks this as an Alert Call : Spam Risk

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 2023-03-13
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I submitted disputes but never received a response back. it's been longer than 30 days

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