BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citi keeps decreasing my credit limit putting me in a place to be at 99 % utilization which is adversely impacting my credit score. They provide no advance notice and I feel this is unfair and deceptive because I cant avoid the impact on my credit score. I pay them on time ( excellent payment history ) and I try to keep my utilization low. This is not a good practice and if it wasnt going to further impact my score I would close this account. This appears to be a common practice for Citibank and needs to be investigated for the negative unavoidable impact this is having on customers. I will never open another product with this financial institution.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: TX
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:
to whom it may concern, I Have disputed the below accounts due to identity theft. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I Summited to both Experian and the creditors the identity theft report with affidavit and Experian did not investigate into this issue the above items keep reporting inaccurately on my credit report, XXXX and XXXX have deleted the information based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your EXPERIAN you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the Deletion of these accounts from my credit report as its affecting my credit worthiness. 

regards

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 2023-07-27
Company: Peer Advisors, LLC
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, XXXX XXXX XXXX XXXX and he had a reverse mortgage. After looking over his loan papers & finding out the amount of money due to payoff the mortgage, we suspect that he could have been a victim of predatory lending. I have documentation of the loan process and questionable information. Over the course of 6 years, the loan has accured over {$34000.00} in interest alone. The original Mortgage company has since filed XXXX  XXXX Bankruptcy and the loan has been assumed by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXXXXXX  I just got served with an Alias Summons of a complaint was filed XX/XX/XXXX. The XX/XX/XXXX Complaint is signed by XXXX XXXX XXXX XXXX is serving someone with a complaint over a year old legitimate? 

How did they even get a Summons for a Complaint that is over a year old? 

The case number on the Summons is : XXXX and was filed XX/XX/XXXX. 

The XXXX is XXXX represented by Blitt and Gaines , P.C . 

This is for an old credit card amount the was written off by XXXX XXXX XXXX  with an amount owed of {$1200.00} I'm not aware of any court that allows a complaint over a year old to be served on anyone. 

Is this legitimate? 

Wow, I'm sure many lawyers wish they could get a summons for a complaint that's way past time to properly serve. 

I'm not a lawyer. I'd have to represent myself BUT, I'm not sure this service is proper given the date on this complaint and the date of the summons. 

At any rate, I'm on unemployment since XX/XX/XXXX so, I don't have a way to pay this amount but, I do owe it but, would need to make small payments but, would like to settle to pay only half of it. 

The guy that served it BANGED on my door to serve this. 

I'm feeling intimidated by a law firm that's seems to be making up its " own rules for going into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
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:
I have informed XXXX XXXX and experian of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent XXXX  sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.

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 2022-08-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I filed an FTC report # XXXX and a dispute with Experian on XX/XX/2022, for the fraudulent account XXXX XXXX  XXXX due to fraud and provided a police report # XXXX. Experian deleted the account in XXXX of XXXX. They then added the XXXX XXXX XXXX account back on my consumer report recently when I checked the account XX/XX/2022. I then called the fraudulent department on XX/XX/2022 to get the account deleted again and explained to them that the account is fraudulent and I need it deleted. Experian said they could not dispute or delete the account going forward and it will remain on 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 non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

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 2023-07-20
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I co-signed for a vehicle for an ex, went to court over the vehicle and judge instructed she had to get it refinanced, under that clause I was also not legally responsible any longer. more time goes by and i get calls from the lender, ( how are you planning on paying this, do you intend to keep the vehicle etc.. ) after explaining to them several times she wrecked the vehicle XXXX XXXX XXXX XXXX XXXX XXXX she's currently in XXXX, there was no insurance report so i'm guessing XXXX XXXX XXXX XXXX XXXX  and also wrecked it again, I also have court documentation proving my side of everything and they still charged my credit. I want this fixed ASAP.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The XXXX credit Bureaus has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on 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 2022-03-24
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 dated on my dispute I will place into file section I request for a signed or some sort of documented proof from a court ruling etc for the alleged debt owed to collections agency. I have not received this verification proof but continue to receive letters demanding I pay on accounts that does not belong to me. I feel as though I am being ran over and bombarded at this point, being taken advantage of. After 30 days of failure to do some sort of an investigation according to FCRA is grounds for an immediate deletion within itself coupled with the numerous other violations placed in my original dispute that will be listed below. Please help. My next step is to file for some sort of litigation due to the stress and time I have placed into this circumstance without receiving some sort of mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Santander Bank took the opening deposit which was funded using a credit card on 9 accounts ( which were opened over the last 6 months ) between XX/XX/XXXX - XXXX. Each account had {$500.00} taken from it, which forced some accounts to go into a negative balance. I have received letters and phone calls from there collections department. However, I was never refunded the money on the credit card which had the opening deposit taken from it. 

If they are forcing the accounts to be negative, my credit card should have received refunds this occurred over 2 weeks ago. The bank refuses to talk to me unless I go in branch. When my husband did this, they wouldn't provide him with any information and told him to follow-up the next day. When he did they told him he had to go back to the branch. 

I am requesting the funds be sent to me immediately, any fees associated with being overdrafted, all accounts being closed, and additional money sent to me via check at the address on file. 

I was never notified that there was a limit to the number of accounts I could open or that I should not open up any new accounts. If they would have reached out to me I would have no problem not opening up any additional accounts. 

I have attached the 6 documents I received today that state my accounts are negative. There is additional documents I can not access due to having my accounts blocked

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX  XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-10-07
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX Received a call from Credit Collections Bureau after they have been notified multiple times by certified mail to cease and desist all communications to my number, and that I have retained a lawyer who is in the process of filing bankruptcy for me and the debts with them are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
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: Personal information incorrect

Complaint:
Yes my middle initial is incorrect with TransUnion, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with TransUnion. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.

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 2023-03-11
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: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, TRANSUNION, XXXX written permission to furnish these accounts listed below. 


1. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The following account is not mine 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 2019-10-04
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt of XXXX to Hunter Warfield on XX/XX/2019. They are reporting inaccurate debt that I no longer have, they will not return my calls as I have tried to reach them countless times. This paid debt that theyre still trying to collect is keeping me from getting an apartment. Please help. I have receipt showing I paid.

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: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2017-11-28
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 information incorrect

Complaint:
Balance account paid no charge off or balance owed.

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