BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CitiBank is at it again, discriminating against us, severely XXXX seniors! We live in XXXX, California, 35 miles from the nearest Costco. We drove to XXXX XXXX to take my daughter to her doctor because she don't have transportation. She was a victim of hit and drive accident and her XXXX XXXX XXXX! We tried to get a small purchase at at the XXXX XXXX Costco, but Citi Bank refused my charges. When I had scheduled their payment in advance to be posted on XX/XX/2021 when the due date is XX/XX/2021. I scheduled it with my new awesome bank on XX/XX/2021. CitiBank has illegally slashed my limits to in sixth of my limit to {$500.00}. The last time they had reduced it to {$1000.00} but then within minutes, when I was on their website, CitiBank sent me an email asking about my feedback. I clicked on the feedback link and gave them a score of zero to their few questions! Immediately,! CitiBank sends me another email telling me that my limits had been reduced to {$500.00}! 
Yesterday XX/XX/2021 my payment should had been posted but didn't! I called CitiBank and admitted that my payment was there, but didn't posted. I just checked today, and of all of sudden payment just posted today. I barely have enough gas to go there today! I'm glad you are suing CitiBank for {$700.00} XXXX. They have thousands of complaints online due to their fraudulent practices. Unfortunately, CitiBank don't care that CitiBank is victimizing us! No wonder XXXX keeps appearing daily, ( see XXXX ), informing us that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pray that CitiBank stop victimizing us illegibly and using illegal tactics against innocent victims! They have caused my credit score to go from XXXX to about half the score, causing me financial burden, not qualifying for other cards nor for low interest refinancing! Please help us!

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: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Specialized loan servicing has taken out biweekly XXXX since inception of the loan. They do not know how to properly apply the funds. When I had XXXX XXXX- they immediately applied them to the loan and pushed out the next due date. XXXX puts them into an unapplied funds suspense account. I have never been late- it isn't possible... they pull the XXXX. Overnight- my credit went from XXXX excellent to XXXX fair because they reported me as delinquent. I am on my loan details- there is nothing past due. Next payment due date is XXXX. I have complained to them MULTIPLE times about how they mismanage funds. I need my credit fixed immediately - I have never had a delinquent payment on any account. I am supposed to purchase an RV next weekend, and now XXXX has caused me financial harm. I am handcuffed to them because of i have a 2.5 % APR. I can not move without causing more financial harm, but they are awful.

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 2021-01-04
Company: Account Recovery Specialists, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got an interesting letter from the law office of XXXX XXXX XXXX. She has notified me that I'm in default of debt in the amount of {$5900.00} for a company called XXXX XXXX XXXX XXXX. She states that they are processor scheduling a hearing in district court against me and wants me to call her to answer questions about this debt. 

Here 's the problem : 1 ) XXXX XXXX XXXX is a lawyer for ARSI, not just a stand alone law firm, which she didn't disclose. She is the legal department director for ARSI, which did send me a letter about this debt over two years ago. I requested validation of debt from ARSI, but the collection company never send me paperwork showing what this debt was for or the date that this debt supposedly happen. 

2 ) I live in Oklahoma and have lived in Oklahoma for over 5 years. I check Oklahoma 's case search, and XXXX XXXX has filed nothing. So if she did attempt to sue me, she did in a state that I didn't live in. Hence, I was never served, in that state of Kansas, and in the county of XXXX, the XXXX serves the debt, not a process server. 

3 ) This debt is in my maiden name. I have been married for over 6 years, so this debt is not in the realm of the statute of limitations for this law firm to even try to sue me. I guess that is why I never got the validation paperwork. 

4 ) XXXX XXXX XXXX is permanently closed. I don't know when it closed, but on XXXX  and yelp, it shows permanently closed. I try to contact the numbers that were associated with this company, but they are disconnected. So how is it that I owe money to this company that doesn't exist anymore? 

XXXX ) I have no idea when this debt happened, but I had health insurance for over 8 years, so there is no way I could have ever had a bill for that amount. 

Lastly, Which is the most important. This is the first time I have ever hear from XXXX XXXX XXXX 's XXXX XXXX. I have never received a XXXX 'S letter letting me know my rights. So how is it that she could skip that part of the collection process and go directly to suing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-06-12
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:
They reported that I was 60 days late to pay. I was never late for my lease. They offered a settlement for the remainder of the lease over mileage and I paid it. If I knew that it would affect my credit score I would have paid the whole amount.

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 2023-09-28
Company: Valentine and Kebartas, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Texts repeatedly from an automated text number XXXX or calls from XXXX. Doesnt leave messages, does not provide any information. Sends me a link to pay the debt without any notice. I know for a fact I owe no debt, I have nothing owed to anyone. I am current on all payments including my student loan, one of which I just paid off. I have ZERO items in collections. They will not identify what or who its for and after selecting Stop several times via text and getting alerted I will be removed, they keep contacting me. Most recently on XXXX at XXXX via text. 

Via phone : XXXX XXXX all around XXXX. I delete all texts and block and they text from new text numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Communication tactics ( repeated phone calls, used abusive language ) Electronic communications ( text message, email, social media ) Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Written notification about debt ( didn't receive, didn't know you could dispute debt ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) Threatened to contact someone or share information improperly ( contacted employer, contacted you after asked them not to ) Took or threatened to take negative or legal action ( threatened to sue, arrest you, seize property, deport you, collect exempt funds, damage your credit ) Didn't receive enough information to verify debt Didn't receive notice of right to dispute Notification didn't disclose it was an attempt to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Resurgent Capital Services L.P.
State: IL
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 XXXX XXXX2019 LVNV FUNDING added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. LVNV FUNDING did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/19 at approximately XXXX I went to logon to my Equifax credit freeze to unfreeze my credit. It would not recognize my name and/or password, which I used successfully in XXXX. I requested an email. Which I never received. I had to go onto live chat because I could not find phone number on their website. I was told to call an XXXX number, which I did. After going through the authentication process ( which, thank goodness, I passed ) I was told I had no account. I said yes, I do, I have a name and a password to freeze/unfreeze my credit.. They asked me if maybe it was with another credit bureau. I said I did have a freeze account with them and the other two major credit reporting companies. After some back and forth talk and me not conceding to the fact I didn't have any kind of logon info I was told that I had unlocked my credit in XXXX, which I had. So, yes I had a freeze pin number. It was also suppose to be a temporary unfreeze. So I wanted to freeze my credit at this point because I have no faith in this company. That is when she tried to sell me a paid credit monitoring account with Equifax. I just want to freeze my credit. So she said I had to make a new account because the website had been updated. What? At this point I am now doubting myself and everything I have done so far to get to be able to be in control of my account. I hung up. This is ridiculous that these companies have so much power over us and our life fiances. It shouldn't be this difficult to try and keep your life savings secure when you don't even have any say in these companies having your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: IA
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charges on my credit report related to the following accounts : XXXX XXXX XXXX Charge Off Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge OFF Account XXXX XXXX XXXX Bankruptcy XXXX I understand that these accounts have been charged off or sent to collections, but I strongly believe that these charges are not accurate. Furthermore, I would like to point out that I filed for bankruptcy on XXXX, and as such, these accounts should no longer be on my credit report. 

I am emotionally distressed by the negative impact these charges are having on my credit score, and I am kindly requesting that you investigate these charges and remove them from my credit report. I have been working hard to improve my credit and these inaccuracies are hindering my progress. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

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 non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
On XX/XX/XXXX or XXXX, my local branch ( Truist ) called me saying I needed to sign another document from a HELOC we closed on XX/XX/2023- so it is now 6 months later... 

I found this odd as I have received no official notices from Truist ( mail, e-mail, or otherwise ) stating that there was missing paperwork. Because of this, I asked them to send me a copy of the document to review. I noticed it said page XXXX of XXXX and since they need it notarized I asked to see the other XXXX pages as I don't anything resembling this paper from our loan agreement, etc... 

When I asked a few questions I was told they only have one page and received a voicemail from the Branch Manager telling me " I have to sign it '' Prior to coming in ( during the week of XX/XX/2023 ). I asked these questions via email : XXXX ) usually if something was missed, we would have received something from Truist within 30 days and definitely before 90 days - why are we just hearing about this 6 months later? 

XXXX ) the document you sent says page XXXX of XXXX, and when compared to the papers we left the office with im not seeing any corresponding paperwork that matches what seems to be XXXX pages. Can you send me the other pages to compare to what we have? 

XXXX ) because we havent ( at least to my knowledge ) received any official notice from Truist and Im not seeing anything similar in our copy- this is making me feel like this is new documentation or something that wasnt included originally, which I hope we arent being asked to sign new documentation 6 months later ( hopefully seeing the other pages will help me see if I overlooked something in the documentation we have ) XXXX ) why is nothing showing in file with the county clerk? Am I not looking correctly? 

I received no response regarding these questions via email other than " The only thing I was inform to do was notarized this documentation ''. 

I need to know what is going on, why I can't get any answers and why no official documentation from Truist has been sent.

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 2020-12-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are alledge inquiries showing on my report. For which I do not recognize Pursuant FCRA 604 I am demanding the removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax XXXX : XXXX XXXX RE : Equifax Data Breach This letter is a follow up to my original letter regarding inaccuracies in your credit reporting, regarding the unauthorized credit hard inquiries entries being reported under XXXX Hard inquiries EXACTLY ONLY from XX/XX/XXXX & EXACTLY ONLY from XXXX XXXX, XXXX. XXXX XXXX BANK XXXX Hard inquiry from XX/XX/XXXX. XXXX  BANK Hard inquiry from XX/XX/XXXX. XXXX XXXX Hard inquiry from XX/XX/XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the unauthorized credit hard inquiries is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed unauthorized credit hard inquiries are entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the unauthorized credit hard inquiries. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: PA
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:
There are several addresses that appear on my report that are incorrect my address is XXXX XXXX XXXX XXXX XXXX PA XXXX 1. XXXX has reported my account which was sold to another agency my personal information is now exposed 2. Many inquiries which I disputed are fraud I also want to add some closed and still appear on my file which I would like them deleted

Company response to consumer: Closed with explanation