BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-17
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
This is a home equity loan obtained in XXXX and discharged through Chapter XXXX Bankruptcy in XXXX. Due to extreme financial hardship I applied for loan modification in XX/XX/XXXX. I am writing to report the predatory and disingenuous methods in which this process has been handled by CitiMortgage. These methods are clearly designed to confuse, frustrate, and dela y the borrower and make an already desperate situation worse.. Briefly stated these methods include : Letters sent from the home office giving borrower a false sense of security, repeated requests for the very same documents, correspondences originating from different sources : home office, text messages, and emails and phone calls from representative, and promises of weekly telephone updates never fulfilled. All of these messages are different and divergent in nature. I have sent numerous emails for which I have had no reply. I have documented and saved every email and conversation. 
My most recent contact from CitiMortgage was from the representative that all documents were received and complete. The following day I received a text stating Your hardship application is with underwriting which can take 30 days. Well keep you advised. This was on XX/XX/XXXX. Since that time, I have received four Notices of Intent to Foreclose. One of these was registered mail the other 3 regular mail. I have sent 3 emails to CitiMortgage requesting  an explanation. All have been ignored. 
I would be most appreciative if you can investigate this matter and assist me as I try to go forward with this much needed modification. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX C- ( 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 2023-06-26
Company: EQUIFAX, INC.
State: MS
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
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:
On XX/XX/XXXX I mailed certified letters to all three credit reporting agencies explaining I was a victim of identity theft. The package included a copy of my Identity Theft Report and proof of my identity, a copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information, Identity Theft Affidavit # XXXX, Drivers license, Credit report with disputed information indicated, Notice To Furnishers Of Information and Police Report. The information reported by XXXX Bank in XXXX including late payments and any balances, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The accounts were closed with a zero balance and were never late. The account numbers being reported were issued after I had already closed the accounts on XX/XX/XXXX with a perfect credit history for all three and a zero balance for all three. My credit score went from a XXXX to a XXXX. All three reporting agencies have responding saying they asked XXXX Bank the Furnishers Of Information and XXXX Bank has told them the information is correct. I must request this false information be re-investigated and that they block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, 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 2022-10-10
Company: GOLDMAN SACHS BANK USA
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day ( XX/XX/2022 ) which I did not apply for and there was one that was created a few days before ( XX/XX/2022 ). I did not apply for any bank or credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day ( XX/XX/2022 ) which I did not apply for and there was one that was created a few days before ( XX/XX/2022 ). I did not apply for any bank or credit cards.

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 2022-10-10
Company: NCB Management Services Inc.
State: MS
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:
On XX/XX/2022 I directly contacted NCB MANAGEMENT SERVICES, INC. Through priority mail to validate a debt according to CFPB XXXX Notice for validation of debts. The company failed to validate the debt within the 30 day period of my request. The debt is not valid. I have attached a copy of the letter mailed to them along with the proof of my Identity I mailed to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$1100.00} ; XXXX ; XXXX XXXX XX/XX/2022.

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 2023-06-26
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 am XXXX XXXX XXXX and I am submitting this complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to three credit bureaus Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? Please help me correct these accounts immediately : XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$570.00}.

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 non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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 a correspondence to the consumer reporting agency in XXXX XXXX XXXX. I requested proof of my consent regarding the following items on my credit report. 
XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXXXXXX As of today, XXXX have not received any proof of my consent to this company to share these accounts, nor was I given the option to opt out I would like to inform the CFPB that my rights have once again been violated by this consumer reporting agency, According to 15 U.S.C 6802- Obligation with respect to disclosures of personal information ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information is disclosed to such third party. And ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option in correspondence to the consumer reporting agency.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX 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 non-monetary relief
Consumer complaint received 2020-12-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I logged into my TD Bank Credit Card account on XXXX to ensure auto pay was delivered electronically on a regular basis. 

Upon opening, I saw attempts from XXXX & XXXX to take money from this locked card. Immediately, I called TD Fraud, I rechecked my alerts to find the phone number on file was changed to XXXX. THIS IS NOT my phone number, my correct number is XXXX as it has been for over 20 years. I was unable to send text alerts to my phone number as this number was there, refusing to change to my number. 

Immediately I changed the PIN number online, as there was little else I could do. 

I called an agent for TD and asked the number to be MY OWN, not the unknown number. She made the change, she texted a 5 digit auth. code. to XXXX. I received and we seemingly made the change. 

In the second phone call on XXXX I logged onto TD again to turn on alerts and found the number changed back to XXXX leaving me unable to effectively use the precautionary measures to stop the fraudulent charges. 

XXXX XXXX # XXXX could not answer how my phone number was changed without my notification nor consent as that is the security measure he explained is in place, how can I see a different number if I never verified a number change? XXXX had no answers for me, I requested to escalate to IT, request unmet. 

I have been communicative with TD as this is not the first time I have been stolen from. Last time I was left with a bill that I did not charge, this complaint was filed with the consumer fraud protection bureau. 

I called again. XX/XX/20 XXXX am est my phone number still isnt my own- how can i be alerted and WHY was my number not given the protocol of verification of change?! I never was prompted to by TD device protocol in ph # change. 

My past complaint with TD follows the same pattern where I am responsible to pay fraudulent debt and cash advances. 

Past complaint # was XXXX submitted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit XXXX has been calling harassing me since XX/XX/2021 they repeatedly call from a variety of different numbers I have been asking them to stop the calls even block the numbers and more continue to come.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
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: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX that they provide proof of validity of debt, in which they only provided a partial amount. They placed 1 item on my credit report one for the balance of {$2000.00}. This debt is not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: LA
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 report act XXXX account # XXXX and # XXXX, have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 - It also reports a consumer reporting agency can not furnish a account without my consent

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, D ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX OLD XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX BalanceOwed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$310.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Owed : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
I have tried to remove these inquiries and this fraudulent account for the last 4 months and it has stopped me from being able to get new accounts due to these fraudulent information. I would really appreciate if you can remove and block this information from my credit report and send me a copy of my credit report showing the removals. I need peace of mind at this point this has been going on for way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Crow Creek Sioux Tribe
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for {$1600.00} XX/XX/2023 did not see the crazy interest they are charging me every week and i can not stop the payment in my bank. 

Tried to talk to them to change frequency of payment and they wont help...

Company response to consumer: Closed with explanation