BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting transunion, XXXX, and XXXX by phone and have received 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 non-monetary relief
Consumer complaint received 2022-01-16
Company: Student Loan Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To Whom It Concerns, In XXXX of XXXX, I received a letter from XXXX XXXX XXXX, PA, located XXXX XXXX. XXXX, FL XXXX attempting to collect a private student loan debt. The last payment on that debt happened on XX/XX/XXXX. It's been in default, which I'm not proud of, and I've never been sued on it prior, nor have I made any payment or payment arrangements since the last payment in XXXX. I made this very clear to the law firm, XXXX XXXX XXXX, PA, who is representing Student Loan Solutions LLC. They claim the statute has not expired and then proceeded to file a complaint on XX/XX/XXXX, in XXXX XXXX XXXX XXXX XXXX. I have since been served, on XX/XX/XXXX. In the lawsuit, they provided, as the first exhibit, the original promissory note I signed back in XXXX ; however, the lawsuit is for much less than the ending balance of what was due when payments stopped. In the lawsuit, which is obviously time barred, they didn't provide a payment history ( which I actually have ), they didn't provide any proof that the plaintiff owns the debt, and they made false statements. They are clearly filing illegal lawsuits and taking advantage of people, and they will, no doubt, win default judgments from the many folks who don't know the law and/or ignore the lawsuits. Furthermore, I believe they are in collusion, with the many defense attorneys, who keep on soliciting me for their services against the lawsuit. The defense attorneys I spoke to, through consultation, have advised me to settle, rather than fight and/or motion for dismissal, on a debt that is clearly time barred and weak, even if it wasn't time barred. These people are breaking the law and this needs to be corrected before too many people suffer unjustly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Mother has not even been buried in the ground for 60 days as date of death was XX/XX/18. Creditor already attempted to place with strong arming collection agency of XXXX XXXX XXXX  to try to settle the balance. For the record, no known executor exists, no known liquid assets exist, I am the daughter, I am not responsible for paying the balance of my deceased mother.

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 2018-10-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase card services estate department has been notified of a deceased card member XXXX XXXX XXXX, they have a copy of the death certificate. They have been advised no known executor exists, they are being advised of no known existence of assets, interest charges should cease and credit back to date of death of XX/XX/18. Please notate records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Over the weekend- we visited our Citi mobile app to accept an offer from Citi Bank to transfer the current card to another card they offer with better points and a waived annual card fee the first year. Surprisingly- Citibank closed my account. I have been paying my account diligently ( via Auto draft ) - never been late - paid my account off several times- been an excellent customer- not to mention about to buy a new home so this Closing of our account will harm us tremendously. : ( We've never had a closed account- a charged off account- or any negative impact to our credit. I and my wife both have an excellent credit history. 
We had ONE issue that was out of our control that resulted in a total Statement balance payment in XXXX and it deducted the total balance of {$5100.00} from our XXXX XXXX XXXXXXXX account instead of the usual payment of $ XXXX {$1000.00}. Which would usually be considered a positive. 
Citbank advised us to call XXXX and reverse the charge so we get the correct amount to them which is what we did. UnfortunatelyXXXX XXXX could not reverse the payment and we adjusted for the month. 
The following month the payment withdrawn and we were advised it was reversed and to correct it and we did immediately through the online app. Found out-XXXX  automatically adds a block when such things happen or are reported to prevent any payment from being made from that account and I had to correct that. Once it was corrected there were no more issues and payment was made and cleared. Why wouldn't Citbank reach out and give us a fair chance once seeing this account has always been in good standing and this issue was not a fault of our own instead of turning to such harsh measures on the consumer? I was thinking of opening a Business Checking with this Bank and just spoke with someone Friday! I almost deposited $ XXXX into this bank! God is always there in the signs he shows us

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 2023-05-19
Company: CITIBANK, N.A.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX CITIBANK N A XXXX XXXX XXXX CITIBANKNA XXXX XXXX, TX XXXX Notice To Principal is Notice to Agent and Notice to Agent Is Notice to Principal Notice 1099c Tax ERROR When reading my credit report I notice a charge-off account being reported. 

Account Name : CITIBANK NA Account # # XXXX Thanks for forgiven the debt. After reviewing the account thoroughly, I see the account was a write-off. This means a lot to me and I am very appreciative that the debt has been forgiven. 

When reading the instructions for Debtor on the 1099c form from the IRS, it mentions I should have received a 1099c form from the creditor because the creditor has XXXX, canceled or forgiven the debt. 

Further more, it goes to explain I am required to include the discharge amount in my income. I never received the 1099c form to take care of this matter. 

This letter is to inform you CITIBANKNA that an error has taken place. On my consumer report there should be no balance owed, no past due amount, and there should be no days of being late associated with this charge off account. I have attached a copy of the report for you to see as a visual. Please correct this matter as soon as possible. Incorrect reporting to my consumer file is damaging my ability to be approved for credit. This is a misrepresentation of my character. This is a violation of my rights. In hopes that this is not negligent behavior and a act of tax fraud, I am kindly open, giving you the opportunity to correct the reporting of the above account. 

Thanks for being so kind to have canceled the debt. Please correct the Error and remove this XXXX debt from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a chapter XXXX bankruptcy XX/XX/XXXX, after missing 1 mortgage payment. I have made up the missed payment through my chapter XXXX repayment plan. 

Since XX/XX/XXXX, Ditech has kept all loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, and escrow information, including escrow analysis and balance ) hidden from me at Ditech.com. 

Ditech sends monthly " informational statements '' to my home address without ANY loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, late fees, and escrow information ). It is basically a blank statement. 

Ditech has removed reporting of my mortgage loan from all of my credit reports. The loan originated XX/XX/XXXX. 

Ditech has incorrectly calculated my XX/XX/XXXX yearly interest payment on my form XXXX at {$2700.00}. I have no way of correcting this because I can not communicate with them nor can I view my accounting of applied payments with principal and interest. 
Ditech has not applied my previous payment XX/XX/XXXX to my account. 

Ditech 's automated phone system will only transfer me to their " make a payment '' option, which then states that that I owe {$6300.00}. If I try to connect to a Ditech representative, I am automatically transferred to another company : XXXX. 

Ditech has sent letters to my bankruptcy attorney, each time stating a different loan representative name and phone number to call if I have questions or need help. Yet when I call the Ditech phone number provided, I am automatically forwarded to another company, XXXX XXXX XXXX. 

I am unable to speak with anyone at Ditech. I have recently fallen behind on my mortgage and am unable to reach anyone at Ditech for assistance or information on the servicing and calculations of my account. 

I will be filing a complaint with my State 's Attorney 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. 
I will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Lil' Wave Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single mom of a XXXX year old and XXXX year old that lost her salary paying job a couple years ago. I have been doing everything possible to keep this home that I have had for many years over my kids head but was not able to makes ends meet. I was told I could take out a loan on my home to help build my business and I took the opportunity as my kids are the most important thing in my life. I found this company after dealing with 1 other reputable company that told me I was able to qualify for XXXX at 11.50 % term was 48 months first position, as I was told I had to pay off my 5 % first in order to qualify and it is due on to be paid in full on XX/XX/22. I have missed one payment and they are telling me they are filing a notice of default and increasing the interest rate to above 17 %. I have attached the notice. I was also told before loan docs were sent out that I need to set the loan up as a rental property. So I needed to give an alternate address so they can foreclose on me quicker if I become in default. I am very worried about what is going to happen to me and my XXXX boys during the holidays so I would greatly appreciate any advice I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TransUnion experience and XXXX XXXX have violated my consumer rights. In order for another consumer, Agency to get information from another consumer, Agencywritten permission must be given. I'm going to write down the violations that I feel that They Have done consumer companies have violated my rights.15uscod 1681B2 & 15uscod1681q & 15uscod 1681c2 I have wrote XXXX next 3 times and had it. Notarize If they Can I give me the documentation that they have permissible purpose? Then I need to delete the bankruptcy.

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 2023-04-28
Company: FISERV INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX contacted me today about a debt of XXXX owed to Telecheck and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to Telecheck and insisted I have to contact Telecheck to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information.

I also try to file a dispute with Telecheck, but their website do not allow me to submit a dispute.

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 2023-07-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. I am being taken advantage of and ignored for my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken.

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 2017-03-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
OneMain Financial Services kept calling my place of employment because I was behind on the loan I had with them. They were told once by a co-worker I 'm not allowed to have these types of calls, they persisted. They where then told by my HR manager to stop calling here for me, they persisted. They were told once by myself to stop calling, they persisted. They were then told two separate times by my compliance manager to stop calling and they persisted. They have put my job at risk and now have filed a lawsuit against me and are taking me to small claims court. I need help with this situation. Please advise me on what I should do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Invalid Debt was already disputed and removed from credit report. Debt validation letter sent out to first company that claimed debt was owed, Company never responded. Company came to my residence and offered two phones in exchange for trading in my XXXX XXXX that I already owned. The price that At & t presented was not the price that was discussed. I returned the two XXXX  and have proof along with documentation showing the sent back property. I also have emails corresponding with a supervisor about this problem. I have also not received my property that consists of a XXXX XXXX that has been Paid in full, I was promised my phone would be returned to me and no one has gotten back to me. The original Debt of {$1300.00} was disputed in XXXX of XXXX  was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number for company is ( XXXX ) XXXX. Account that was reported on credit report was removed and then was placed back on credit report in XXXX of XXXX  for a dollar less for {$1300.00} by a different company by the name of XXXX, XXXX their address is XXXX XXXX XXXX, XXXX, IL XXXX and phone number is ( XXXX ) XXXX. XXXX is being reported illegally and fraudulently. It is being reported as a duplicate account, with a different account number and a different amount for the second time. This reporting is in violation of the Fair credit reporting Act.

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 2017-03-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX XXXX. I disputed the validity of the information after contacting XXXX XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60 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 explanation
Consumer complaint received 2017-03-26
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Experian numerous requests to investigate, verify and remove accounts that do not belong to me from my credit report and they are not responding.

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 2020-04-08
Company: EQUIFAX, INC.
State: KS
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:
-As of XX/XX/2020 I checked my credit report which stated I had a score of XXXX. 
XXXX XX/XX/2020, I checked my credit report which stated I had a score of XXXX. 
-The only thing that has been done differently in that short time frame is contacting my loan services for deferring my payments for my student loans. 

*As part of the coronavirus relief bill passed through Congress and signed by President Donald Trump on Friday, lenders must stop all payments for federally held student loans through XXXX XXXX. During that time, interest will not accrue on the loans and nonpayment during that period can not be used to affect credit scores or a persons qualification for loan forgiveness. According to the bills text, each month for which a loan payment was suspended will be treated as if the borrower of the loan had made a payment. 
-source : United States Congress -Now they are negatively impacting my credit score in violation of an act of congress.

-The credit reporting agency also failed to protect me under the maximum accuracy provision of the FCRA 16 USC 1681 et al by not insuring that the student loan servicer complied with all the relevant rules required by the FCRA . 
-As such, their reckless, wanton, and disregard for the rule of law has now adversely impacted my credit score, as such I am continuing to suffer irreparable harm by the acts committed and recklessness by the CRAs and XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
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. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Block, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My cash app account does not seem to show full transaction history, from account opening until closing, the history is needed in order to locate transactions not listed in app. My current cash app ID is $ XXXX There are other transactions listed under other IDs which I do not have access to, do not recall email addresses of. However, my billing addresses include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX as well as current address at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation