BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
XXXX  XXXX  Account # XXXX a/k/a XXXX XXXX Loan XXXX are now again attaching the last account established for Home Improvement. They are as follow in order of attack and incorrect reporting : Evidence was submitted in the CFPB consumer Complaint # ______________ the XXXX Account XXXX and Account XXXX accounting procedures and procedures crossed referenced and reporting payment made to account XXXX ; being recorded to XXXX  account number XXXX. instead of XXXX shown in XXXX  Client Payment History Current issue : XXXX  Account # XXXX Proclaimed to client that s/he payment had not paid XXXX payment for account XXXX and successfully reduced client credit score by XXXX XXXX a direct result of XXXX a/k/a XXXX XXXX reporting it as delinquent. 

Client add to include the amount paid for late fees {$10.00} late fee which increased the actual payment from {$320.00} to {$330.00}. ( See attachment ) XXXX  a/k/a XXXX XXXX proclaimed to not have received payment made on XX/XX/2022 in the amount of {$330.00}, but the attached XXXX XXXX XXXX account ending in XXXX, PDF report clearly shows the said amount was withdrawn by XXXX  account XXXX a/k/a XXXX XXXX Loan # XXXX was actually withdrawn from client 's account on XX/XX/2022.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 explanation
Consumer complaint received 2023-03-02
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATION/XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : XXXX ; DEPT OF EDUCATION/XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {XXXX} ; DEPT OF EDUCATIONXXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : XXXX} ; DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : XXXX} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX {$110.00} ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/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 2021-07-09
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Credit Control Corp for XXXX XXXX XXXX XXXX in the amount of {$660.00} dated XX/XX/XXXX and {$220.00} dated XX/XX/XXXX. I disputed these items with all three credit bureaus on XX/XX/XXXX and the dispute was returned updated. 

This is a medical debt that I am not aware of from XXXX XXXX XXXX  XXXX. I am allowed under the HIPPA law to protect my privacy and medical records from third parties. I did not give XXXX XXXX XXXX  XXXX permission to release my medical information to a third party. However, the requested copies of my wet signature for the debt and release of my medical information was not received for the update of this account. 

On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached. 

Thank you advance for your prompt assistance and attention in this matter.

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 2023-07-08
Company: CITIBANK, N.A.
State: WA
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:
I closed my Citi credit card ending in XXXX in XXXX, 2023, paying off my complete balance, bringing it to {$0.00}. I requested at this time that my account be closed completely, and was assured that this was done. I did not use that card or account in any way after that point. 

In XXXX I received a payment from Citi in the amount of {$290.00}. I assumed this was the result of overpayment. 

I subsequently received notification that the payment for {$290.00} was an error, and was asked to repay this amount. The payment was the result of another card member making a payment that ended up being credited to my defunct, closed account. 

Here are my concerns : 1. If my account was truly closed, how was it possible that a payment could be credited to it?

2. Why was another card member capable of making a payment to my closed account?

3. Why is this mistakea mistake Citi admitsmy responsibility to resolve?

4. My accountwhich I paid in full and closedis now active again. I did not authorize this.

5. How does the reactivation of this account, the mistaken payment, and now notification that I must repay this amount, affect my credit rating?

6. If I refuse to make this paymentwhich is the result of Citis admitted errorwill I accrue fees or penalties?

Thank you for your attention to this matter, and for any assistance you can provide. 

Sincerely, 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 monetary relief
Consumer complaint received 2021-07-09
Company: ERC
State: NY
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:
ERC is reporting a fraudulent account on my credit. 
I didnt open this account, nor did I give permission to anyone else to open it on my behalf. 
Please see the attached FTC reporta and my driver license and please remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TD BANK US HOLDING COMPANY
State: VA
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:
DO NOT CLOSE THIS COMPLAINT. It is not a duplicate and was not requested by anyone other than me, XXXX XXXX. I received a letter from the CFPB stating complaint XXXX, XXXX and XXXX were closed because someone other than me requested it. That is incorrect so Im resubmitting this complaint. 
The credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for credit card at Macy 's to purchase a sofa and it was denied. My credit score is very high with an rating XXXX with XXXX, XXXX with XXXX and XXXX with XXXX. I make XXXX figure salary and have low debts. Macy 's has denied my credit 3 times, 2 on XX/XX/XXXX and another one a few years ago. A few years ago my credit rating was not a strong so I thought that was the issue but obviously it is not that. I feel discriminated and insulted by Macy 's denial. I will not longer shop there but I do need to clear my name with Macy 's because I was very embarrassing yesterday. I had a credit card with Macy 's years ago and I have a copy when account was closed satisfactory if you like me to send you this, please let me know. I am a senior, XXXX woman asking for 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 non-monetary relief
Consumer complaint received 2017-05-15
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Nationstar Mortgages for a new condominium I purchased in  XXXX  of  XXXX . This loan includes an escrow account for taxes. Nationstar acquired the loan in  XXXX  from  XXXX   XXXX   XXXX . Neither of these  XXXX  companies have paid my town real estate taxes stating they will not due so because it is a new condominium and the tax bill is for   XXXX   of the  XXXX  units in the association. I have provided documentation from the town verifying the percentage of the taxes that my unit is responsible for. I have also asked that if they will not pay the taxes, that they refund me the escrow so that I can pay the taxes. Both companies have refused to do so. The town has said they are starting the process of placing a lean on the property. As well, there are over {$80.00} in late fees that neither company has been willing to pay.     I have close to   XXXX   XXXX    in  my escrow account. I have tried many times to resolve this and have had a least six phone calls and have sent letters to them, have sent them all the requested documentation, but they have not resolved this. In my last phone call on Friday,  XXXX   XXXX ,  XXXX , Nationstar said they would not resolve this until the next fiscal year in  XXXX , despite being aware the town plans to start the process of placing a lean on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I mail a letter to Equifax asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Equifax have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: Old information reappears or never goes away

Complaint:
I have tried so many things to get things that are not accurate on my credit report with Experian, names that are not correct that they are showing, not correct. Then collections account for XXXX opened on XX/XX/XXXX that I have tried disputing multiple times and they refuse to take it off it is at {$0.00} and shows still open, the account information for it is incorrect. I don't have late payments, the account has been paid in full and is closed since XXXX I have even called XXXX  and they confirmed that it is closed and that there are no late payments. 
Secondly there are two accounts for XXXX XXXX XXXX XXXX XXXX XXXX. One on XX/XX/XXXX for {$1600.00} and the next is on XX/XX/XXXX for {$1500.00} I have reported I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. 

I know that it says no personal information and things like that but, I am frustrated because I have tried so many times to fix my credit report with up to date information and it never seems to matter to them. 

There is an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX that is not a correct address at all. I have never lived there. It needs to be removed. 
Names that need to be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is on there two times as well.

It only needs to be there one time. 

Lastly, there is a hard inquiry for Resident Verify saying it is XXXX XXXX XXXX XXXX XXXX  I have never even heard of it until I XXXX and I don't even live near there at all. It needs to be removed as well XXXX is another story, I have requested XXXX XXXX to be removed as there are duplicate charges on my account. XXXX for {$560.00} I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. There is second collection from the same company with the same date but for {$520.00} on it. Again it needs to be removed.

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 2022-09-16
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loans where included in my XXXX XXXX XXXX in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is attempting to collect a debt and is using unfair practices according to The Fair Debt Collection Practices Act.According to the FDCPA 15 USC 1692c.d.e.f.I have no contact with this company, no debt or any contract with them for them to assume an alleged debt.This company has no wet signature of mine on any documentation, and can not provide any debt validation.I request debt validation from this company under 15 usc 1692g.Also request accounting information under US code 9-210.This company is using 15 usc 1692e and is threatening as an attorney to collect a debt not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Congress Colllections made a mark on my credit account. I have never heard of this company, nor did I receive a written or verbal notice. I don't even know why they are trying to collect anything because nothing is overdue. I don't even know how much is trying to be collected. My credit score dropped due to this. They also checked on a Sunday morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Good Morning, For the last 3 days I have been unable to access funds on my card. I initially attempted to withdraw money from an ATM that I have utilized numerous times. According to the e-mail sent by pre-paid card company ( XXXX  ) it got flagged as suspicious activity. They sent me an e-mail ( no text ) notifying me of denial and prompted me to call them by phone. For the last 3 days I have made repeated calls at all hours of the days, been on hold for over 12 hours, and been unsuccessful in establishing contact. While on hold, automated operator insists that issue may be simply resolved by responding to e-mail or text but no text was received and e-mail specifically instructs that a phone call be placed to them. They have no e-mail I can directly respond to so issue can be resolved or grievance made. This has happened on numerous occasions and ever since they started their text resolution system, their phone operators do not respond. 


This is not the first time this happens. It has happened numerous times at ATM locations that have been utilized numerous times. Back then ( 6 months ago ) phone calls were placed and eventually answer ed but no specific reason as to why it was flagged or why it was considered suspicious activity. Their representatives are not very knowledgable about their product and appear to reading of a prompt. No financial institution should have the right to block access to a persons funds without a. justifiable reason and when called on it, not respond. I understand safeguards should be in place to attempt and protect their cardholders but those safeguards should not cause unforeseen hardship and lost time. This is ridiculous. How can they block access to funds without providing a justifiable explanation as to why something was flagged as suspicious activity? They should compensate their clients for every hour of wait time they have to go through attempting to establish contact due to their problematic system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
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:
For several months, I have been trying to dispute negative accounts from my credit report, several times. XXXX XXXX Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are negative accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached below are recent dispute letter I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: LA
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 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 2023-06-07
Company: EQUIFAX, 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:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BROKER SOLUTIONS, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender ask for XXXX several times when submitted information to lender continue to say didn't receive documents.Would not except business income even though taxes were paid on income.Treated like a 3rd world citizen and ignored.Trying to keep appraisal funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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