BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I consider Citibank engaging in XXXX XXXX and fraud due to my XXXX XXXX  and my XXXX and this violates the my XXXX XXXX XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I also accuse Citibank of denying me benefits ordered by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just had XXXX and go back to work in XXXX XXXX. I asked Citibank for all XXXX cards for payment delay till XXXX. 

XXXX. I asked Citibank for a payment delay due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Order requesting all financial services companies give the victims a XXXX XXXX window to recover and not be charged late fees and start payments in XXXX. 
attached is the Order XXXX signed on XXXXXXXX XXXX XXXX XXXX XXXX XXXX signed XXXX XXXX XXXX XXXXXXXX XXXXXXXX requesting similar disaster courtesy due to XXXX and to allow victims to delay their payments to financial institutions for a limited time. attached Order. 

4. I have a Goodyear credit card # XXXX serviced by Citibank. I called them and asked for the XXXX XXXX delay and waiver of my late fees. They said there is no XXXX XXXX notice anywhere. So I know they are lying because they admitted they provided this courtesy to all of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

5. I have two Home Depot CC ending in XXXX and XXXX also serviced by Citibank. and asked for similar abatement for XXXX XXXX, They said there is no XXXX order stating there is a disaster! 

6. I have a Brand Source CC with XXXX balance on it that I tried to use to buy a stove and frig for our home. Citibank serviced that card and stated that they closed it because I waited too long to use it. This is an emergency and there is no reason to close this account that I maintained for many XXXX  and paid off promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-08-30
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive used Lexington Law before also I was paying them quite a few times and never received any positive news and the credit repair services are just as worse all I wanted to do was gain some credit with help if they could even help at all. My information has been on the XXXX market meaning my emails and some passwords were compromised they even had the nerve to try and make up accounts with my information yet no help replied years of trying to apply for credit only to be denied and my score goes down well thats enough to make you stop trying right well..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX XXXX, NY XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX DATE OF BIRTH XXXX PHONE NUMBERS XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX Spouse or co-applicant XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are reported inaccurately Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Suntrust did an escrow analysis for XXXX projected year and failed to include the monthly escrow to be paid for XX/XX/XXXX. The payment was not due until XX/XX/XXXX and was timely paid in full. Defying logic, Suntrust showed  actual escrow payment for XXXX XXXX as {$0.00} but included XXXX XXXX escrow as {$660.00} ( as estimated ). So, they do estimate XXXX even though not yet due when the analysis is performed, but they estimate XXXX will get paid? The result is to project a starting actual escrow balance for XX/XX/XXXX which is {$660.00} below what the actual escrow will be. In effect, they only included 11 escrow payments in the analysis. The result is a {$320.00} escrow projected shortage ( below 1/6 annual total escrow ). In reality, the escrow they will collect will cause an overage of more than {$300.00} above the minimum required escrow. 

On XXXX XXXX, XXXX - after XXXX payment was made including {$660.00} to escrow - I spoke to a Customer Service Rep who tried to dismiss the escrow as just an estimate and that it won't affect my payment. False. Eventually, they agreed to have the analysis re-performed. I spoke again to the not helpful Customer Service department and they said the XX/XX/XXXX analysis was done correctly and that it doesn't matter that I made XXXX payment and escrow. They could not explain why the estimated XXXX escrow would be made and could not take into account that XXXX was actually paid. This is also a change in practice to how they estimated escrows in XXXX. 

It seems Suntrust is trying to systematically miscalculate escrows to hold excessive balances in violation of applicable law. Please investigate the above concern for both my account and for all accounts similarly situated.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
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 is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on le with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together.The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am nancially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society - correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: IL
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-08-14
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX XXXX  alleges XXXX XXXX did not pay XXXX and XXXX and instead is coming after me over the balance discrepency. As per the terms of our contract I do not owe either company any money. These two companies need to figure out the problem. I am not liable for payments XXXX XXXX XXXX deems were not paid by XXXX XXXX. XXXX, Equifax, and XXXX must correct the balances on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/XXXX In response from XX/XX/XXXX Experian, XXXX and XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my mailing address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX XXXX ( I have never gone by XXXX XXXX or XXXX XXXX XXXX XXXX I don't know who that is ) My Only and Correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please review all the other addresses and names off of my reports as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2022-12-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX. XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$210.00} Money was withdrawn from my bank account without my authorization or participation, when this was brought to the attention of my bank, i was told that " I DID IT ''. and that there was nothing that they can do about it. i was prepared to give a polygraph exam to prove my innocence. I am retired and living on a fixed income. Also, I am a XXXX XXXX XXXX Veteran ( At the beginning of the XXXX XXXX XXXX ). How can you say to me THANKS YOU FOR YOUR SERVICE ( not only to my country, but also to my bank ). then show me such DIS-SERVICE NOT EVEN GIVEN THE THOUGHT OF MY INNOCENCE. The bank did not adequately consider the possibility of my innocence. Even though I had XXXX remove from my account, and requested new credit and debit cards, and changed my account password. And I filed a police report with the XXXXXXXX XXXX XXXX A thorough and complete analysis of this case is not only appropriate, but warranted, And that I should be compensated for my pain, suffering, stress, and for XXXX PROFILING, and violating my consumer protection rights using deceptive practices and ignored proper protocol. ( Their investigation team ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2022-12-15
Company: Experian Information Solutions Inc.
State: TN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-07-10
Company: Experian Information Solutions 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:
I went to a car dealership name XXXX XXXX  and XXXX XXXX XXXX they agreed to rum my credit one time when i left the dealership i found out the was running my credit behind my back alot of times.

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 2020-02-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an FHA insured mortgage. The loan is currently being serviced by PennyMac. I have an impound account with the loan in which MIP is paid monthly along with principle, interest, taxes and insurance. I am trying to refinance that loan into a conventional mortgage with a local credit union. In the payoff demand statement dated XX/XX/2020 PennyMac is asking for a Pro Rata MIP of {$1000.00}. After I complained to them and my new prospective lender they responded to a new demand letter with a reduced amount for this item. I don't think that any " Pro Rata MIP '' is valid. If it were valid why did they reduce the amount when I complained? They also sent me a partial refund of my impound account without having paid the second installment of my property taxes. Aren't they obligated to pay these taxes when they are due if they are collecting money monthly for this purpose? I feel that this refund is a distraction in order to overcharge me on the loan payoff and possibly even keep the remaining balance that is in the impound account. My mortgage refinancing is being held hostage and I am appealing for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I went to the website XXXX XXXX XXXX to lock my transunion credit report. The site directed me through multiple links, none of which advised of a fee, to follow to lock my credit report. After inputting my personal information, the site would not proceed with the lock without my credit card number, which I provided. No fee was advertised so I thought it was part of the identity verification process. I was immediately charged a fee of {$29.00}. I called their customer service number and was told that this fee was for receiving the three credit reports, which I did not ask for and was not advised of a fee since I know we can get those online for free each year. Transunion refuses to refund the fee even though it was obtained through false and misleading advertising.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
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:
I have thoroughly reviewed the Consumer Credit Report that I obtained from your Experian, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. 
These inaccuracies have caused severe financial harm and have negatively impacted. 
my ability to secure loans and credit on fair terms. 

See attached documents.

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