BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was out of town in XXXX and asked my brother to make a {$1000.00} payment for me to Citi Cards using money orders. I sent him all the information to do this. He sent Two {$500.00} money orders to Citi by US mail in the same envelope that also contained my remittance advice from the bottom of my Citi Statement. Citi credited one and not the other. I have called over and over. No one can talk directly with the " payment disputes '' department. I get someone different every time that tells me a different story. One csr even stated that it happened to him and it is a common practice at Citi. One "  supervisor '' even looked through the unapplied payments '' for over ten minutes looking for my missing payment. How could there be that many unapplied payments?? I am XXXX years old with an XXXX and have run my own business for many years. I also know the usual money order customers. I am convinced that many other Citi customers that are not as sophisticated as I am, would have given up long ago in their quest to get Citi to honor their payment. This has been an absolute nightmare! Even though it was obvious they got both money orders because they were sent in the same envelope and both were cashed but only one applied, they refused to do the research necessary to find the payments. I finally had to go get two more money orders to send to XXXX XXXX at {$15.00} each plus overnight postage to get the copies of the money orders Citi negotiated. I finally received the copies of both {$500.00} money orders showing that Citi had cashed them both. I then faxed theses copies with a cover sheet and a copy of the letter Citi sent requesting such copies to the appropriate fax number. At this point I assumed Citi would be forced to apply the " phantom '' payment that they had cashed back in XXXX. I was wrong! Today I get an email stating " that since I did not respond, they were recharging my account for the conditional credit they had given me. '' I have a secure computer fax that records in minute detail every fax I send and receive. I sent, and Citi received on XXXX the fax and their previous letter asking for " proof ''. Four pages sent by me ; four pages received by them. This is unacceptable. If they are doing this to me, and even with indisputable proof, remain unwilling to apply my payment correctly, what do you think they are doing to thousands of people that do not have the resources I have to follow through? Please hold these people accountable for my payment and for all the other people that are being unfairly taken advantage of by this unethical group. Thank you. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX acct ending in 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 2021-02-12
Company: Synovus Bank
State: OH
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:
Under the accounts named " XXXX, '' and " First Progress '' I am requesting that these two accounts be removed from my credit report. There are inconsistencies and incomplete information on these two accounts in all three credit bureaus. The account named First Progress has inconsistencies and errors. XXXX has incomplete information under the account information. The term of the account is missing. Also XXXX is still reporting that I am still making payments on a closed account from XXXX to XXXX when they classified it as a charge off in XX/XX/XXXX. The High Credit amount is not shown and the term frequency says Monthly while XXXX 's information doesn't give a term. Also, the account number is missing completely in my XXXX report. Under XXXX the last payment made is inconsistent with the information XXXX gave. My date of last payment is XXXX XXXX, XXXX while XXXX says that my last payment date was XXXX XXXX, XXXX. Also, XXXX has me current on payments from XX/XX/XXXX to XX/XX/XXXX. I don't have any open accounts with these creditors. Under the account named XXXX my XXXX credit account has numerous unlisted information, it's incomplete. I want it removed from my credit report. XXXX shows that it reach it's 90 day mark in XXXX XXXX when it was supposed to be charged off. While XXXX says it was charged off in XX/XX/XXXX. However, XXXX says it was actually charged off in XX/XX/XXXX. XXXX says it was charged off in XX/XX/XXXX. There are numerous inconsistencies here. XXXX listed the date the account was reported was XXXX XXXX, XXXX. XXXX and XXXX both says that the term was 8 months. However, XXXX says the term frequency was monthly. Clearly there are much inconsistencies in the reports and I am requesting the removal of theses account. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 intrested in disputing all inaccurate information on my credit report with transunion.

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 2021-07-30
Company: Experian Information Solutions Inc.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2021-07-30
Company: NCB Management Services Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management is reporting a negative balance of {$4900.00} debt on my credit reports which doesn't belong to me,, first day reported XX/XX/2017, I've never opened or had an an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax continues to report a derogatory account from XXXX XXXX on my credit report even though the account has been paid and closed a year ago, I have sent them certified letters and have called them and yet it continues to be reported as delinquent which is hurting my ability at my job and receiving credit. XXXX  and XXXX  has already reported the account as paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance XXXX : {$210.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$890.00}.

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 2018-12-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my checking and savings accounts with Citibank on XX/XX/XXXX, signing up to receive a bonus of {$400.00} if {$15000.00} in funds are deposited in the account. I have confirmed with Citibank customer service multiple times that the bonus was attached to my account. The bonus was supposed to post to my account within 90 days after requirements are met. I deposited the full amount of {$15000.00} on XX/XX/XXXX, and to this date ( XX/XX/XXXX ) over 180 days later I still have not received the bonus.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: NJ
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-05-31
Company: EQUIFAX, INC.
State: VA
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:
Equifax have been reporting my credit FICO score for other bureaux ( XXXX and XXXX ) very wrong for 4 ; months I called them several times as well as chatted with them online to correct it and they have never done, I called XXXX and XXXX to inform them they asked me to call Equifax to request correction, I did nothing happened.For example my Fico score for XXXX is XXXX but Equifax Report XXXX, For XXXX it's XXXX but Equifax Report XXXX .I have been asking Equifax for months to correct it and they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2023-05-07
Company: CITIBANK, N.A.
State: NC
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:
The company offered me a 0 % interest rate promotion, I accepted this promotion, and the company is reporting my credit card utilization. This is an unfair and predatory lending practice. This company should not be reporting my utilization while I am involved in a special promotion with their company. The company should update the account and remove my utilization % until the promotion is paid off and I return back to using the credit card as a normal credit card instrument. 

Account # : 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 2021-07-30
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: Their investigation did not fix an error on your report

Complaint:
You have continued to report XXXX XXXX as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/23 I noticed 2 charges from XXXX on my Bank of America Visa credit card. I did not make these transactions, and I opened a fraud claim with the bank ( claim XXXX ). 

The bank subsequently informed me that they were closing the account. 

On XX/XX/XXXX, while attempting to get some status on the claim, the Fraud department notified me that a payment was due, so I made a payment of {$1200.00}. 

On XX/XX/XXXX, I received the attached notice from the bank, stating that I had confirmed that the charges were no longer in dispute. This is factually incorrect. 

I have never received a final statement on the account, for the charges in the last payment. I can not reach the bank through online or phone channels, so I have mailed a letter to the bank requesting them to re-open the claim and send me a final statement.

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 2019-11-20
Company: EQUIFAX, INC.
State: LA
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 have tried to get a loan that shows it has been charged off on my Equifax credit report removed. The loan is in good standing and I was told by the loan agency to dispute it on my credit report and it would be removed. I went through the credit agency and they denied my dispute, but my husband disputed the same loan and it was removed from his credit reports. They will not remove it from mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2021-07-30
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A Bankruptcy reporting on my Credit Report. Which is a violation of my right, knowing the fact that the United States Bankrupcy Courts Do Not report individual bankruptcy case filing data to any credit reporting Agencies, nor do they update any infomation directly to the Credit Bureaus.

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 2023-06-04
Company: EQUIFAX, INC.
State: NY
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 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 2020-12-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX ; 2020 I refinanced my mortgage that had been with XXXX loan servicing. On XX/XX/XXXX I called there customer service number XXXX inquiring about my escrow refund. I was told it was in the mail. I have called and spoke with a rep 6 times since then, verified correct mailing address, and I am still being told check is in the mail. 
I am a XXXX XXXX patient requesting only what is legally mine! 
I have little doubt that this refund was never put in the mail. I can not even obtain a statement from these people, let alone my refund.

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 2018-12-26
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
We received a Letter in the mail addressed to XXXX XXXX at our home address. It said that synchrony bank received the request for credit for a credit program with Walmart. It stated that unfortunately they were unable to approve the request at that time because of prior application has been submitted too recently. XXXX XXXX does not live at our address and we do not know this person. We believe this is a case of fraud. Synchrony bank told me to send the letter to them and they would investigate it. The back of the letter also said to contact the consumer financial protection agency.

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 2021-07-30
Company: Nationwide Recovery Systems, Ltd
State: NJ
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation