BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is about new problems since the previous complaint I had filed that has been called 'Closed. ' The fact is while I was not happy with the result it was at least supposed to be OVER. Without warning, without explanation, without reason, Citibank had already cancelled my card lack XXXX after I'd overpaid and had a credit balance. Refused to tell me why or make a refund. It took 3 months and a complaint with the CFPB to get it but the refund came. They refused to talk to me when I used their identity procedure on the phone but instead tried to do account information phishing on nonCitibank accounts, otherwise they wouldn't talk about my card. And left messages that said my card was permanently cancelled and made a vague accusation of me committing " Fraud '' by disputing some charge in a fraudulent manner even though I wasn't disputing a charge. The caller identified herself as XXXX XXXX, I have no way of knowing if that's a real name or just one she uses. But still no explanation of why they cancelled my card. Others called where I picked out they said " Citibank '' but were too mushmouthed in their speaking to be understood. 

Now, without asking permission of any sort of notice at all, they have started to put charges on the account they cancelled. This is not me going out and using the card. Simply put, there is no excuse for them saying I have anything but a XXXX balance on this account that they have cancelled. This is identity theft, Citibank is guilty of it. 

This is without question a crime on the part of Citibank.

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 2023-06-02
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
in accordance with the Fair Credit Reporting act, Experian, XXXX and XXXX has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX  605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report numberXXXX

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to dispute multiple items on my credit report. I have attached a copy of the report and highlighted the items in question. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request you review these items and correct or remove any inaccuracies. 
For each of the accounts listed below, I point out the following inconsistencies according to Metro 2 Codes and reference 15 U.S.C 1681 : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** : Account Status ( XXXX XXXX ) - **Inconsistency** : My report shows 5 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** XXXX Account Status ( XXXX XXXX ) - **Inconsistency** : My report shows 4 late payments.

- **15 U.S.C 1681** : I request validation of these late payments. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 2 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 3 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
5. **OFFICE OF THE ATTY GEN - XXXX XXXX  - **Metro 2 Code** : Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 9 late payments.

- **15 U.S.C 1681** : I request validation of these late payments.

6. XXXX XXXX XXXX XXXX XXXX XXXX - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) and Amount Past Due ( XXXX  XXXX ) - **Inconsistency** : My report shows 3 late payments and a past due amount of {$15.00}.

- **15 U.S.C 1681** : I request validation of these late payments and the past due amount. 
For each of the above accounts : - I request validation of the late payments reported according to Metro 2 guidelines.

- Additionally, for accounts with outstanding balances, I ask for a detailed validation of the debt, including a breakdown of the balance, any interest or fees added, and a copy of the original agreement. 
As mandated by the FCRA, I expect this investigation to be completed within 30 days. If the investigation isnt finished within this timeframe, or if the disputed information is unverifiable, I request these items be removed from my credit report. 
I look forward to your prompt response and resolution of these issues. Thank you for your cooperation. 
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: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
my name is XXXX XXXX on XXXX I called and complained about my internet service with XXXX XXXX. Which I didn't have service for 4 days prior, so I called them back on XXXX to pay for current bill which they gave me a credit for days I was without service.They tried to make me pay the full bill which the total included a month in advance charges which I told them that since I was canceling my service with them the balance was incorrect. The customer rep replied saying that I had to still pay for a month in advance service even though I didn't have the service no more. Which my service with XXXX began XXXX XXXX the same day I paid XXXX  for service for XXXX XXXX. XXXX continues to send me a debt collection for {$46.00} with past due date of XX/XX/23 and final due date XX/XX/23. Which as of XXXX I no longer had active service with XXXX due to service outage which is why I cancelled and paid my remaining monthly bill and began my internet service with XXXX as of XXXX. I no longer had internet service with XXXX and they refuse to return {$75.00} instillation fee I was charged by them for installing which they ran a cord from outside through my window, which I had to complete the installation due to Covid 19 but never returned to officially install wiring for which they charged me in XXXXAttached is a letter from XXXX  and a screenshot of my first XXXX bill which includes date service began, also attached is collection letter from Credit Collection Services

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: LEXISNEXIS
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:
To whom it may concern, my information has been compromise in equifax data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus Experian, XXXX and XXXX about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my XXXX and XXXX report. On my Experian report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent credit score.

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 2016-02-01
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 15 Year mortgage loan with XXXX. They turned over the loan to Loancare - A servicelink company. My LTV is below 78 % of original value, and I have requested that my PMI be removed twice, but they do not respond. I call them and have waited hours on the phone but no one answers the calls. I have now paid XXXX additional PMI 's to keep my loan in good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
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 ( XXXX XXXX XXXX ) this is not my name. 

( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX ) this is not my address. 

( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX ) this is not my address. 

( XXXX XXXX XXXXXXXX ) at ( XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$380.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX ) at ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX  ) at ( XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$780.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has been sending me collection notices in the amount of ( {$980.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX XXXX  ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX )- ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX )- ( XX/XX/XXXX ) - this is not my inquiry. 

( XXXX  XXXX bankruptcy discharged ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ) This is not my bankruptcy. ( XXXX XXXXXXXX XXXX  ) XXXX - I did not authorize this inquiry.

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 2019-10-24
Company: Roycroft Management
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
We called the main lender and they said we dont have any open accounts that are past due or in collections. The lender was why not lease it

Company response to consumer: Untimely response
Consumer complaint received 2019-10-24
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company " BULL CITY FINANCIAL SOLUTIONS '' put a collections of debt notice on my XXXX credit report. When I called them, they stated they have no record of me yet they were able to upload the collection to my XXXX credit report as I am getting ready to finance for a new home. They stated to just dispute the claim which is delayed. Their data practices are not correct if they can submit a damaging claim and not correct it. 

Bull City already informed me due to their lack of data management they can not do anything for the damage caused. This was complaint process is a formality before getting an attorney for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Information belongs to someone else

Complaint:
I have contacted the three major credit reporting agencies regarding an account listed on my consumer credit file for XXXX XXXX XXXX, which is listed as a medical collection account. I have never opened an account with this firm, they have fraudulently placed this account on my credit file and this is a direct violation of federal law- the HIPPA law. I gave the company and the XXXX ample opportunity to remove this account and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 went to try to apply for a loan and my credit was pulled i became aware of multiple inquiaries that do no belong to me and due to these incorrect reading on my report its making it impossible for me to move forward in my daily living

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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: 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief