BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I know credit is my right and I also know that reporting to consumer reporting agencies are voluntary. I did not consent to it, this was involuntary. I did not consent to that report, this is a private transaction. 
I received an adverse letter from the application # XXXX, Citi XXXX # XXXX. The denial that I received from Citi was unfavorable to me and that is why this is adverse, but nothing under the definition that XXXX has provided for adverse action, 15 USC 1681 ( k ), gives you the right to deny me credit, which is defined by 15 USC 1602 ( f ), my right as a consumer. I credited this transaction as a creditor, as defined under 15 USC 1602 ( g ), from my credit card, 15 USC 1602 ( l ). And in turn created a creditor. As a person, as defined under 15 USC 1602 ( e ), Citi is an organization, an organization is not a living natural person. Further Citi has violated 15 USC 1602 ( p ), unauthorized use of a credit card. Citi did not have actual, implied or apparent authority to use my credit card from which the cardholder, myself, received no benefit. 

I tried to resolve this matter with Citi, and they denied. I have attached their response to this complaint. 

I am willing to let all of this go if Citi does the right thing and reverses this decision.

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 2022-04-27
Company: CMG MORTGAGE, 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:
On XX/XX/2021, XXXX, XXXX ( CMG Mortgage Inc. ) reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Information belongs to someone else

Complaint:
This is my 10th 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
After my chapter XXXX BK ( 60 months plan ), I applied a refinancing with XXXX XXXX. XXXX XXXX disapproved my refinancing because my current mortgage Wells Fargo mortgage submit my 12 months payment history in error. Wells Fargo claimed that I was 2 months behind my payments. I have copies of 12 endorsed checks by Wells Fargo first week of each month for 12 months.

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 2023-04-14
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 unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Balance {$3100.00} I have tried numerous times to get this account verified and Portfolio has not provided me with sufficient information to verify this account balance is correct, if the have the right to own it or if they in fact the debt is even mine. 

Date opened on XXXX  shows XX/XX/XXXX but XXXX  and XXXX  show XX/XX/XXXX. Account number is XXXX on XXXX  but on XXXX  and XXXX  show XXXX. Date of last payment shows XX/XX/XXXX on XXXX  but Portfolio sends me a statement showing a date of XX/XX/XXXX. 

Notices sent to Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and Portfolio has ignored my request for the proper information to validate this debt. 

My request have also been asked to the following credit bureaus XXXX, XXXX  and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet the information still has many inconsistencies being reported This is unacceptable how can I verify the information if they have not given me a date of first delinquency or even know how the balance they are requesting is the right amount just by a bill that was sent to me.

Bill statements given is as follows XX/XX/XXXX balance {$1600.00} ( paid {$27.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2000.00} ( paid {$39.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2100.00} ( paid {$64.00} on XX/XX/XXXX ) - XX/XX/XXXX balance {$2300.00} ( paid {$75.00} on XX/XX/XXXX ) - no statements given for the following XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX balance {$3000.00} ( paid XXXX  ) XX/XX/XXXX balance {$3100.00} ( paid XXXX  ) There is no signed agreement or bill of sale given between the creditor they state they got bought this account from. 

Where is the copy of the Original Debt Notification Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original company was pioneer funding. Collection was opened XX/XX/2020. As of today it shows a balance of XXXX and opened. That is in error which it has been closed since XX/XX/2020. I've tried to get them to verify the debt with my signature and they can never send me anything with it on there. Please update and if they can't verify please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NC
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'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 explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
Equifax, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 information is inaccurate. 

Please see attached complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Single Family Home Mortgage With PHH Mortgage XXXX ALL MY PAYMENTS ARE MADE ON TIME WITH PRE-PAID BANK TREASURERS CHECKS AND I PAY FOR XXXX  XXXX TO DELIVER THESE PAYMENTS OVERNIGHT TO THEM, PLUS I PAY AN ADDITIONAL {$9.00} EVERY MONTH SO THAT THEY HAVE TO SIGN FOR RECEIVING THESE PAYMENTS! 
I HAVE ASKED PHH-XXXX XXXX FOR A " TOTAL PAY- OFF FIGURE " AND THEY ARE REFUSING TO SUBMIT THAT FIGURE AMOUNT TO ME, WHOM TO MAKE THE " BANK CHECK " PAYABLE TO AND WHERE TO SEND THIS FINAL " PAY-OFF FIGURE TO "! 
AND THEY ARE TRYING TO " FORECLOSE ON THIS MORTGAGE INSTEAD OF ACKNOWLEDGIBG MY FORMAL REQUEST TO PAY THIS MORTGAGE OFF AND BE DONE WITH THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Account information incorrect

Complaint:
Experian and XXXX are reporting the same account twice from the original creditor and collection agency. " Double Jeopardy '' is a violation of the FRCA and I am entitled to monies for damages by Experian and 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$310.00}

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 2022-11-28
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-04
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was created fraudulently without my knowledge or consent. I am unaware who created this account and have fought this several times for several years. I am a victim of identity fraud. I have provided all necessary documents proving this is fraud. I was living in a different residence when this account was created. This account stayed open fraudulently from XXXX. I have submitted all proof again.. please remove this from my credit report asap. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. Business ceased due to XXXX in XX/XX/XXXX. Contacted B of A Spring of XXXX as had to return to XXXX as wife has XXXX. Asked how could I deal with the matter. Told me to try to make payments. I offered a payment plan from XXXX pension. They declined. I have transcript told me to contact debt management. All this did was postpone the closing off of the card and added thousands in interest on an unpaid balance around {$50000.00}. Never heard any more until XX/XX/XXXX they garnished a personal account without warning. In XX/XX/XXXX did the same. This account supports my daughter who is a XXXX  mum with XXXX young children. Contacted multiple B of A departments. Eventually recovery told me I had refused a repayment plan in the spring ( totally untrue ) that my debt was now over {$62000.00} and I was personally liable. I agreed to pay just over {$600.00} a month on 2 conditions. 1/ That they took a payment 1st day of month. They took one that day which was XXXX. 2/ More importantly they provide my signed personal guarantee for a company debt and if unable to do so stop garnishing my personal accounts and provide a refund. I wrote on XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX Texas and included Credit Card Center, Debt Management, Debt Recovery, Credit Analyst Department and Business Manager. I have not received any communication whatsoever from the Bank of America to my complaint. I provided my XXXX address. They have my email, USA address and phone. I was told in XXXX that they do not keep records beyond 7 years so it is doubtful they will find a personal guarantee still filed but will put in a request. Really? If no personal guarantee exists then is this not fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with Equifax and XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I really do not know what I'm paying on. What is this loan from? I've been paying on this for about 10 years and the balance does not decrease. Where is the money going? What is this? This needs to be settled for a lower amount because it will never be paid in full. Is there a way to settle this account for 60 % a lower amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2019-07-06
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:
THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.

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 2020-12-13
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
I requested an updated Credit Report after changes were made to my report, Its been over 60 days and I have not gotten a response.

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 2023-10-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This account has been reported as delinquent on my credit report which violates my rights to privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation