BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am overseas at the moment- XXXX. I have a XXXX bank account as I am a XXXX XXXX. 

I attempted to transfer money from my Citibank XXXX account to my Citibank XXXX account. The wire transferred failed and Citibank XXXX wanted to verify my account. I am unable to verify my account as I do not have a XXXX based cell phone. They have locked out my account and I am unable to access. They offer me no other way of verification. The transfer is between two accounts I have transferred money between on numerous occasions for the past 10 years.

I have no way of accessing my money. I can not close the account nor can I access. I am completely without necessary funds. 

Citibank Acc # 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 2023-08-11
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Please delete this account immediately from all three credit reporting agencies.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account 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 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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 actXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX ***, XXXX XXXX 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 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 2022-05-20
Company: EQUIFAX, INC.
State: LA
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 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 1681 Section 604 A Section 2 :
It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Tate and Kirlin Assoc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CFPB, RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to the Consumer Financial Protection Bureau in response to complaint # XXXX XXXX Tate & Kirlin Associates , Inc state : Thank you for the opportunity to respond to complaint number XXXX of XXXX XXXX. Tate and Kirlin Associates inc. did not threaten legal action against XXXX XXXX and does not report to the credit bureaus. Admitting no wrong doing, Tate and Kirlin Associates , Inc has closed this account and returned it to our client. XXXX XXXX will not be hearing from Tate and Kirlin again regarding this account. -Tate and Kirlin Associates , Inc . 

Such typos and inconsistencies alone are indicative of the business practices of Take & /and Kirlin and Associates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ). 

XX/XX/XXXX XXXX and XX/XX/, Pages 2 of letters sent via USPS from Tate & Kirlin Associates , Inc state : The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it. If you do not pay the debt, XXXX XXXX XXXX may report or continue to report it to the credit reporting agencies as unpaid.

Despite Admitting no wrong doing, Tate & Kirlin Associates , Inc state : Tate and Kirlin Associates inc. did not threaten legal action... and does not report to the credit bureaus. 
yet XXXX XXXX XXXX may report or continue to report it to the credit reporting agencies as unpaid. 

As such, apparently, Tate & Kirlin Associates , Inc choose to ignore Page 2 of their own letters.

Premeditated and/or actual slander, libel, and defamation of character are legal actions intended to damage credit worthiness and economic standing whether or not a court of law is involved. 

Unlike the CFPB, XXXX XXXX does not recognize nor distinguish differences between multiple companies represented on the same letterhead issuing suggestions of legal actions such as reports to credit reporting agencies/bureaus sent through the United States Postal Service XXXX 

Also unlike the CFPB, XXXX XXXX does not condone, support, or dismiss perjury to Federal institutions ( 18 U.S.C. 1001 ) such as the CFPB, despite the assumptions, actions, and crumbling integrity of businesses in the United States of America.

Get these perjurous panhandling frauds out of the Peoples inboxes. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last year, my wife and I fell behind on our mortgage. After a long, arduous process, Carrington Mortgage finally agreed to allow us to do a loan modification. The modification would allow us to bring our loan out of default. The 1st part of the modification process involved us making three consecutive " trial payments, '' before the modification could be finalized. We made our payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no problems, as we were asked to do. At that time, our modification rep at Carrington e-mailed us and told us that they were sending paperwork that we had to sign and send back to them by XX/XX/XXXX, in order to complete the trial period and move on. We did that, too. Nowhere in the paperwork they sent us and had us sign, did it mention anything about what our new mortgage payment would be due, how much it was, or when it was due. The third week of XX/XX/XXXX, I e-mailed our modification case worker, and let her know that we had returned the signed and notarized paperwork, and provided her with a tracking number to track the package. I asked her to let me know what was next, as soon as possible. A couple of weeks passed, and we received our mortgage statement from Carrington for XX/XX/XXXX. In their statement, they showed that we were still in foreclosure, and made no mention of any payment being do and when. This created a concern for me, so I contacted our modification rep again, this time by phone. She assured me that everything was processed properly, and that I would be getting information about our new payment soon. That information never came. Just last week, I e-mailed our Carrington modification rep again, and let her know that we STILL haven't received any information about our new mortgage payment or due-date, and that I was starting to become concerned. Well today, XX/XX/2020, I received two letters from Carrington Mortgage simultaneously. One of the letters was a late notice! Carrington said I had a mortgage payment that was due on XX/XX/XXXX that was now late, and that they were charging me a late fee. I also received a mortgage statement for XX/XX/XXXX, stating that I owed two mortgage payments and a late fee by XX/XX/XXXX. We have spent so much work and effort to get this mortgage back on track, and this was just devastating to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: DISCOVER BANK
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/22, I filled out an application for a consumer credit transaction of {$30000.00}. Discover decided to discriminate against me for exercising my rights in good faith as a consumer by sending me an adverse action letter. Thus denying me credit. Discover received my credit card information and i received no benefit from the transaction. Discover has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: Resurgent Capital Services L.P.
State: MA
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 was a victim of identity theft and the result of that several account are reporting that are not mine i have try many times to fix this problem with these company and they refuse to removed these account from my report, account that are fraudulent XXXX XXXX XXXX # XXXX XXXX # XXXX COLLECTION # XXXX COLLECTION # XXXX COLLECTION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 paid full amount to sunrise credit services which is the third party collection company that the original creditor US bank are using. I have disputed the account and provided the evidence that was paid in full to the 3 credit bureaus and the results came back as " partially paid '' from account balance which is incorrect. They have told me to contact the lender which I have and they told me the account is settled so I do not know why the credit reporting agency is have inaccurate 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 non-monetary relief
Consumer complaint received 2021-05-08
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: Information belongs to someone else

Complaint:
I am a identity theft victim and I've have accounts reporting on my credit report that doesn't belong to me. I've contact the bureau multiple times but received no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX I emailed in a signed payment allocation letter after speaking to Fedloans about 0 % interest applied. I asked on phone too that payments beyond min due go to loan with lowest balance. I have email confirmation of this XX/XX/XXXX attached. Its been a year and payments not applied in this way. XX/XX/XXXX Im told its because I rejected the foreberance since no payments are required until XX/XX/XXXX. The rep hung up on me. Previously I was told not to pay extra while on PSLF program and I removed the pay ahead status. I was in qualifying payments plan working for nonprofit for a year only 4 payments were applied! I was also charged future interest after satisfying the capitalized interest due. Ive sent multiple allocation requests or asked many times by phone on how make extra payments towards principal. Ive even allocated on website. Its a consolidation. Last XXXX I was told payments would be applied or transferred to lower balance loan its NOT not happening. XX/XX/XXXX told the same. They have lost forms or letters to verify income job placement when I get fax confirmation. I transferred this from XXXX in XXXX and big mistake. Were looking to refinance or move servers when 0 % ends and have open disputes with the lender. Ive not received any emails since XXXX so I updated my email online. 

Attached are the two payment allocation letters and information on lender site about being able pay loans off faster. Attached are copies of bills from XX/XX/XXXX and XX/XX/XXXX. Attached is receipt of my compliant against lender regarding public service loan forgiveness repayment program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy 15 US C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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