BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Re Loan from Citi Financial I am trying to get a reversal of my loan terms date which was changed from 15 years maturity of XXXX to 30 years without authorization or documentation. On XX/XX/XXXX, I asked for a decrease in my interest rate and was given an extension of my loan terms date to reduce payment amount which I never saw or signed. Please see supportive document uploaded.. 

I did not find out about the extension until a telephone customer service told me the terms years later. The loan has been sold several times and is now with XXXX XXXX XXXX. 

I realized that I was wrongfully harmed by this loan, and sought legal actions through 2 attorney. ( See attached documents ) My attorney did not fight for me in this process after being paid. Only a letter was sent and no rebuttal to CitiFinancial 's refusal to change the terms. Note, I had a previous attorney who only sent a letter but got no response from CitiFinacial. I was not aware of a Federal office for filing a complaint. 

The terms offered by Citi in XXXX stated was not in my favor because it contained a stipulation where I could even miss one payment. 

I am seeking to reverse the terms of this loan and recoup the damages that were done me. I would like a settlement of the loan terms with adjustments of interest back to the 15 year term. I would like damages paid for all loses I would like to know if the statue of limitations is still in effect for filing an individual suit if this is necessary. 

Is there a Statue of Limitations to file a Class Action suit to benefit others who might have been wronged. If so, what is the Statue of Limitations for the class. 

I would also like to know if I can currently sell my house and still file a legal action and seek recovery of losses. 

Thank you for your attention. Please email me at XXXX. 
This is my work email as I am also an owner in this company. My phone number is Work : XXXX and mobile is XXXX. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is  complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2022-11-28
Company: EQUIFAX, INC.
State: CA
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 right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts 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 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate. 
15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate. 
You have a grave responsibility with fairness. I not only want fairness but also equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: GA
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 am a natural person. I am a living human being. I have rights unde

r 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights n
umerous times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

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 2020-10-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit score dropped more than XXXX points, but my debt actually DECREASED by more than {$500000.00} when student loans were forgiven. This has happened before where my credit score is never accurately reported, nor is there a set formula to explain the drastic dips in credit that takes MONTHS to improve. In the meantime, I'm being offered more services from credit reporting agency. My credit score on all three bureaus should be over XXXX by now. This is predatory and unethical.

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 2022-04-06
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
XXXX I paid off {$160000.00} from my Citi credit card so that I could qualify for a mortgage. Citi last reported my balance on XXXX so I expected this to be updated and my credit score reflect this large payoff by XXXX. 

I contacted Citi XXXX, they stated it should have updated within 7-10 days which was their normal timeframe. This rep could not tell us why a payoff 3 weeks earlier did not reflect after that much time and hung up on us. I called back and was told its actually going to update when our biling cycle closed out XXXX at midnight so to wait until the next morning. No change the next day, called a third time and spoke to several members of management. Citi now states that they take a full 30 days from my statement date to report new balances to the credit bureaus, so they are single handedly preventing me from getting a mortgage because they will not report my new balance until XXXX. Not to mention the first 2 reps lied to us. All other cards I paid off such as XXXX XXXX, cXXXX, home depot reported payoffs within 1-2 weeks of XXXX. 

Why is Citi allowed to take my money immediately but it takes up to 59 days for them to correct their information with the credit bureaus and allow me to move forward with getting a place to live? They should have to pay for every day I have to stay in a motel or in my car. 

I was told they sent a dispute report today but they gave a turnaround of another 8 days. I am just hoping that by reaching out to a regulatory agency that you can help me avoid being XXXX and possibly have Citi adjust their policy of taking so much longer than all other card companies I've worked with to do the right thing. 

Best, 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 2023-10-06
Company: EQUIFAX, INC.
State: MI
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:
I filed a dispute with Equifax on XXXX XX/XX/XXXX regarding an XXXX XXXX account/tradeline. Equifax alleges to have conducted a re-investigation that concluded on XXXX XX/XX/XXXX. Examination of the results show Equifax simply updated the information through XXXX and did not bother to examine the near one-hundred ( XXXX ) pages of documentation I provided. The documentation clearly shows XXXX XXXX states the account was charged-off XXXX XXXX XXXX, yet Equifax is reporting the date of first delinquency as XX/XX/XXXX. If the month of XX/XX/XXXX corresponds to a date on which XXXX allegedly re-aged the account ( one of multiple ), it can not then be the case that the date of first delinquency, as Equifax continues to report. A re-investigation under 15 U.S. Code 1681 et seq. requires more than a simple update through XXXX, yet Equifax took no further steps other than to update the information and accept the data received from XXXX in response as gospel. Yet, a cursory examination of the account/tradeline as reported, i conjunction with XXXX own responses to my CFPB complaints, would cause a reasonable person to have substantial doubts about the accuracy of the information furnished by XXXX, and that continues to be reported by Equifax. At this point, Equifax has received dozens of disputes regarding this account and knows or should know the information it is is reporting is false/misleading/inaccurate under 15 U.S. Code 1681e. Moreover, with a dispute filed on XXXX XX/XX/XXXX, it is unlikely Equifax would be able to examine the documentation and arrive at any sort of meaningful conclusion regarding the accuracy of the information reported for the account/tradeline. That is, a reasonable procedure to examine and correct information furnished for the account/tradeline was discarded for the sake of expediency and minimal effort to ensure the " accuracy '' of the account/tradeline. This is espceially obvious, as even after providing Equifax with the exact account number and documentation relating to the exact account number, and having disputed the exact account/tradeline with Equifax online dispute system, the individual responsible for processing the dispute was lazy enough not to read even the account information and instead disputed both the correct account and an account that I previously had with XXXX that shows a XXXX balance with XXXX derogatory information. Therefore, it is quite clear Equifax absconded its investigatory responsibiliies under 15 U.S. Code 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: AL
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:
Equifax has violated my consumer rights Ive made several complaints about it Ive called Ive mailed letters I have unauthorized inquiries on my credit report that needs to be removed immediately! 

Here is a list of them here 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX {$1700.00} ARKANSAS XXXX {$720.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$170.00} XXXX  XXXX {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NV
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:
I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 


XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NV XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
Santander was paid out by ilending after refinancing my vehicle and have falsely reported my account to the credit beureu. My account is now in collections and they are not taking accountability for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
I AM, XXXX XXXX SUBMITTING THIS COMPLAINT AGAINST EXPERIAN INFORMATION SOLUTIONS INC. AND TH

EIR IS NO THIRD PARTY INVOLVED. I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. TO PROVIDE ME A COPY OF MY WRITTEN CONSENT AND WRITTEN INSTRUCTIONS TO FURNISH THESE FRAUDULENT & INACCURATE SAID ACCOUNTS ( EXHIBITS PROVIDED ). AND PROVIDE ME WITH EXPERIAN INFORMATION SOLUTIONS INC . VERIFICATION METHOD TO " VERIFY " SAID ACCOUNTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) EXPERIAN INFORMATION SOLUTIONS INC. HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO S TATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-04-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Retention Consulting Services Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
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:
Got a call from XXXX and someone named XXXX was on the phone, he stated that I owed money to his client and that they were trying to collect on it. When I asked what client, XXXX stated that I was notified by mail awhile ago and ignored the notification. I asked him again what was the name of the client so I could verify if I got the notification or not ; he refused to give me the information. He then asked me to verify my full name and address and he would send me out information related to what he was talking about. I refused to give him the information and at that point he advised me to have a great " XXXX '' day and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-03
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: Account status incorrect

Complaint:
Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm

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