BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CITI Bank has paid us a promotional cash bonus of {$700.00} in 2020. At the time, CITI Bank stated that this payment of {$700.00} will be reported to IRS as either XXXX or XXXX. 
However, CITI Bank never sent us a copy of the XXXX form they filed with the IRS. After repeated requests, CITI Bank still failed to send us a copy, delaying the filing of our tax return.

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 2022-12-14
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On  XXXX / XXXX /  XXXX  , Navient received my payment for  XXXX  loans :  XXXX     XXXX   XXXX     XXXX    XXXX   XXXX      Loan   XXXX  got paid off completely, next loan  XXXX  was suppose to be paid off as well, it turned out my payment was more then enough, so they kept a credit of {$1800.00} against this loan without informing me. I emailed them after a week to use this credit amount and pay it towards  XXXX  loan. After a week they finally did it but : instead of making a payment  ( {$1800.00} ) tow ard loan  XXXX  they transferred all of the funds that were paid towards loan  XXXX  to loan  XXXX  so now loan  XXXX  has a credit of {$1300.00}, and loan  XXXX  is back to original state. Also loan  XXXX  bears higher interest rate. So after  XXXX  weeks from repayment I am still being charged interest on loans that were suppose to be repaid while they hold credit balances on paid off loans.     I refuse to call them, they have terrible customer service, I do n't have time to spend  2 h ours on the phone with them. They do n't respond to my emails anymore. Please help.     Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: LA
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Credit Plus Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLC is still sending in to the credit report  XXXX  times this last year. We already have paid them off as of the first part of   XXXX  . But they keep putting that we owe  XXXX . We have paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. Between XX/XX/2023 and XX/XX/2023, my XXXX XXXX XXXX account was reported as 30 days late. I have not made a late payment. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
first not able to call since tty not able talk to a computer so fix it with credit bureau not possible -- was on  XXXX  and answered all id verify questions right but transunion says not able verify id and must mail in all kinds personal documents - should not have to mail all kinds personal info documents and take risk of mail delivering to some other people cross town and yes post office makes wrong delivery a habit -- who knows what the wrong address delivered people will do with my social security number and stuff

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: NAVY FEDERAL CREDIT UNION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 

4. Identity Theft NAVY FCU Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
this XXXX XXXX debt collection has been paid and they still showing out on my credit report and I dont owe them any money and Ive been sent the letter and they still didnt move it it from my credit report and I want them to move it soon Fast time oh Im gon na have a problem with the company because it has been paid delete that collection from my credit report.

Company response to consumer: In progress
Consumer complaint received 2017-05-04
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: Problem with personal statement of dispute

Complaint:
I was taken to  XXXX  hospital after telling ambulance driver to take me to VA. I did not know that  XXXX  and   XXXX   XXXX   XXXX   had sent me to a collection agency that had sent me to the credit bureau, until I was trying to refinance my home. I had gone to these companies, (  XXXX ,   XXXX   XXXX   XXXX    ) a nd showed them that I was a veteran they made a copy of my VA card and I told them to bill the  VA. thi s has been going on since   XXXX   This bill would have been paid by the VA if they had sent the bill. to this day they have not sent them a bill. I was told by  XXXX . the man that pays for non VA hospital stays, told me He could n't pay a bill if they did n't send him a bill. I took the charges on my credit report. and some bills that I later got from the collection agencies. I have also contacted  Congress man   XXXX  's office. I did everything I had to do. The hospital and   XXXX   XXXX   XXXX   should have billed the VA instead they ruined my credit.   Please help Thanks   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 2021-06-22
Company: JPMORGAN CHASE & CO.
State: CA
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 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Company: Harris & Harris, Ltd.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Harris and Harris claimed, verbatim : Please be advised that unpaid parking or camera violations are subjected to the following consequences : Booting and/or impoundment of vehicle ( s ) Offset of tax refunds ( s ) owed to you by the XXXX XXXX XXXX  Please note : Once a vehicle is booted, all outstanding debt owed must be paid in full. Contact us at ( XXXX to resolve this matter and prevent further collection activity. 

In support of aforesaid claim & demand, Harris & Harris was requested to produce court order, documents, and authorities, by our letter dated XX/XX/XXXX, inter alia, particularly, but not limited to, in section 12. 13, and 14. AND Harris failed to do so.

Such inflammatory language and threatening violate 15 U.S. Code 1692d. Harris & Harris violated 806,. 807, and 808 of Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) /Fair Debt Collection Practice Act.

Therefore, by the authority vested by the statutes, Harris & Harris must pay us {$1000.00} for each violation, totaling {$2000.00}. This amount of {$2000.00} must be paid within thirty ( 30 ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Flagstar Bank, N.A.
State: MI
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: Investigation took more than 30 days

Complaint:
This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to Flagstar. I feel there is some kind of fraud at play. This company and Flagstar are reporting the same loan on my credit report and this company balance is incorrect.

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 2023-10-06
Company: Synovus Bank
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There was an unknown hard inquiry that showed up on my credit report from SynovusXXXX XXXX on XX/XX/23. I have no knowledge nor dealings with this company. I never gave authorization for this company to access my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that cred it reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
Bankruptcy XXXX XXXX - Discharged : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Creditors Bureau Associates
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing my credit report I notice there was a debt that I was not familiar with. I mailed a certified letter to company asking to validate the debt because I have not previously been notified of any debts from this company. I have yet to receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collections Accou nts Skim disc over after conducting an investigation in conclusion this account is a result of identity theft 1. This account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same debt Syndicated office systems and Central Financial Control claiming total control of the accoun t 2. An other thing to note as is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.      3. Whe n I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by  XXXX  4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person  HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA fo rm when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation Because of what was explain above I demand for this to be delete immediately from my credit file from all  XXXX  credit reporting agencies and provide to me in writing that this request was complete Also if there is any documentation that they have that could help to the investigation have documents send to me by mail to the mailing address they have on records of me so that I can present them to the investigation team It is clear that this alleged account and the services provided my personal identification was used as a result of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never signed any agreement or contracts with any of these companies. I have requested for proper verification of these alleged identity theft accounts. They have failed at providing any evidence. I am requesting that these account be removed as they are fraudulent. 
15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY! 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bait & Switch. 
XX/XX/2019 due to the onset of the pandemic. I received mailing from XXXX  For hardship due to covid-19. An option was to refinance through XXXX or another bank. I chose XXXX since. I'm already a customer. For two years I asked for a manager or supervisorexplain the terms. 

To help me get refinancing. I was told to keep paying my mortgage payments. Then, I was told to stop making my payments for 3 months. So that, my loan could be modified. I repeated that, I just wanted to refinance. To lower my interest rate. National average was btwn 2-3 %. 

Finally, I received a packet to modify my loan. The mortgage payment was lowered. Not the interest rate. Additionally, the life of the loan was extended another 10 years! Again asked for a manager or supervisor. 

This goes on for years .... I get a call later saying, they stopped refinancing. BUT 2 days later. I get another brochure from them say that, I can refinance through them. I was offered yet, another modification. To but me, in deferment again, paying an additional {$100.00} more for 40 years. I asked, again about a lowered rate. I was then hit with you owe XXXX. 

Then following week with a counselor on the line. They told me, I now owe XXXX? HELP ME! THANKS

Company response to consumer: Closed with explanation