BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried repeatedly all of XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on TransUnion, XXXX, and XXXX as I have viewed my credit reports today. There are also other items that I have tried to dispute on TransUnion and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. XXXX   dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.

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 2023-12-29
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I first communicated with Citi Bank N.A. on XX/XX/XXXX when I was denied for the XXXX XXXX XXXX Account. I call and they said that they'll call back and they have yet to respond. I mailed XXXX letter already to the XXXX XXXX XXXXXXXX but haven't gotten an answer. As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with Citi Bank N.A. to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ). Lastly, by federal law 12 USC 83, Loans by bank on its own stock : ( a ) General prohibition : No national bank shall make any loan or discount on the security of the shares of its own capital stock. XXXX XXXX clearly states it is illegal for a bank to loan me someone else and their money. So how can they deny my application when they are not putting up anything and I am the one putting everything up and paying the finance fees?

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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
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:
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 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 2018-11-16
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/18 I submitted a transfer for Bill Pay through Western union at a XXXX Kiosk for {$200.00} and wanted it sent urgent for an additional amount of {$9.00}. I paid cash and was given a receipt for the transaction and a tracking number. A few days later I realized the payment never posted and when I checked the status online my payment was placed on hold and I was to contact Western Union customer service. I was told to return to XXXX to have them call as well, then told to wait 48 hours. After 48 hours I returned and was told to wait another 48 hours for a full refund. During that time I filed a complaint via email to western union and was told I could return to the store to have XXXX refund me. Once again this did not work. Somehow there is a breakdown between the 2 companies. Western union claims XXXX owes me and XXXX is saying Western Union needs to provide a tracking number so that I can get a refund. The money was sent from XXXX so the mistake appears to be on Western Unions end but they have not budged and I keep getting the run around as they investigate then prematurely tell me to return to XXXX for a refund. It has been 5 days since I initially contacted them for a refund and was given a case number. I was finally able to find a member for the corporate office and spoke with someone who is forwarding my case. I should hear from someone in about 2 business days which since its Friday, means at least another 4 days before I can get my money back. Considering the run around I've been given all week, I'm not hopeful corporate can help me because they still have to contact the same people who investigated in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: SC
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 2020-12-10
Company: Checkr, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Checkr background company wont update and release my driving report so I can continue to drive with XXXX & XXXX. This has been going on for about 11 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to set up an escrow payment account with BMO Harris mortgage company since the beginning of the year. After a series of errors and delays,, the company finally collected the amount of {$3800.00} to an escrow account. on or about XX/XX/2021. However, the company has never started my escrow payments on my monthly bills. I have made numerous calls to the Customer Service number XXXX, and am always told the issue is pending and will be resolved '' tomorrow, '' or " next week, " but they will not allow me to speak to the escrow department. They always say they are escalating the issue for action. 
I was promised the account would be active for XXXX, then they changed it to XXXX. Now we have missed the XXXX billing period so it is pushed to XXXX. The taxes will be due to XXXX XXXX County by XX/XX/2021 so we need to get going! I have tried to work this out with the company but nothing has been accompished.

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 2024-01-03
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/2023, I entered into a new agreement with Citi Cards to assist in paying my card down due to a financial hardship of divorce while not affecting my credit report and XXXX score. The agreement online stated that I would not be marked late or be charged late payments during the agreed terms of {$120.00} per month for 60 months and I was required to sign up for e-statements which I never received in the mail to see what my balance due or notifying me that I was considered past due status. My mailing address and email address are current with Citi Cards. Since then, I have been paying the agreed upon amount of {$120.00} per month and Citi Cards has been reporting me 30 and 60 days late on my credit report. I only received notification that I was considered past due when I applied for a mortgage loan to buy a home in XXXX. Citi Cards did not inconspicuously explain that I would be reported late on my credit report when I entered into the new agreement terms back in XX/XX/2023. My understanding was that entering into the new agreement would show good faith in paying the monthly agreed amount and reporting on time payments to Citi Cards. Citi has not sent written notification, monthly statements or reached out by phone since the new agreed terms that I was marked past due under the new agreed terms and leads to misunderstanding by consumers that they are paying as agreed.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: IL
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-01-03
Company: Atlanticus Services Corporation
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I discovered there was an Aspire Credit Card on my credit report showing a one month payment history. I have a fraud alert on my credit report therefore I should be contacted for every credit inquiry. I was never contacted by this company. I disputed the account with XXXX as identity theft. XXXX has deleted the Aspire credit inquiry from my credit report, therefore Aspire should remove that account from my credit report as they are currently flagging the account as past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Specialized Loan Servicing LLC ( SLS sold my loan to XXXX XXXX. I had auto-payment set up with Specialized Loan Servicing. After loan was sold, Specialized Loan Servicing did not transfer or stop my auto payment while XXXXXXXX XXXX  said I was late with my payment in XX/XX/XXXX. I set up auto payment my self with XXXX XXXX  and Specialized Loan Servicing redeposited my funds. The next month Specialized Loan Servicing again attempted a withdraw from my account. I called them and they said they did not request the withdraw. They said they had no evidence a transaction had occurred and they could not fix the issue. The bank said there was nothing they could do at this time which is another issue. 

Withdraw transaction is pending as of 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 2023-12-11
Company: Experian Information Solutions Inc.
State: TN
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2024-01-04
Company: Park Hill Holdings
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my SafeRent report sent to me via mail.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NC
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:
The consumer reporting agencies Experian, XXXX, and XXXX or The CRAs is willfully noncompliant in blocking false misleading reporting at my request. I sent The CRASs a notarized litigation hold notice on XXXX ( see attached file ) and it was received and signed by an agent. The CRAs failed to send me the demands I demanded inside the notice ( see attached file ). Without this information being sent to me, the accounts in question are indeed unvalidated, being fictitiously reported, and should be blocked immediately until The CRAs can validate the information they voluntarily furnished. Along with my hold notice, I informed The CRAs that I dont consent to generic responses, notice to one is notice to all, and they had 4 days upon receipt to block the false misleading reporting ( see attached file ). Now, The CRAs are in violation of 15 USC 1681c-2. Experian also sent me a generic response that displays their noncompliance toward this ongoing issue ( see attached file ). This is a block request, not a 30 day dispute. The CRAs are failing their grave responsibilities by reporting with partiality. I demand these unvalidated accounts be blocked until the proof of my obligation is validated. I will now state that along with my hold notice, I included my proof of identity, a clear representation of the fraudulent accounts, a Identity theft report from the FTC, and a clear & conspicuous section stating my demands ( See attached file ). If the CRAs comply with my demands, they will prove that the false reporting is unlawful and being willfully reported.

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 2018-11-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of my apartment in XXXX, and paid the remaining balance due immediately on receiving the invoice on XX/XX/2018. I received a notice dated XX/XX/2018 from IQ Data inc that they were attempting to collect on this debt.

IQ Data is attempting to collect a debt that I have already paid, and was never past due. I have provided documentation of this to them. 

Their agents have provided different answers about whether they own the debt or represent the original owner. 

The agents have given me different email addresses to provide the documentation to, and refuse to confirm receipt. 

They are aware that the debt has been paid, and continue in their efforts to collect. 

XXXX XXXX, a call center agent for IQ data, in particular is belligerent/threatening, and has provided contradictory statements : - That IQ data owned the debt.

- That IQ data didn't own the debt and only represented the landlord.

- That they would send my bill to collections even though it has been paid to the landlord.

- That IQ data had no responsibility or ability to verify the debt since 'He would be making phone calls all day ' if he had to check and see if everyone who had already paid their bills. 
- That IQ data has no way of confirming that they received proof that the bill was paid.

I believe this is a bad faith, intentional attempt to collect on a move-out bill that was already paid, and that IQ data is purposely being difficult and misrepresenting the facts.

Company information : IQ Data XXXX. XXXX XXXX XXXX, WA XXXX Orignial Landlord : XXXX XXXX XXXX XXXX XXXX, XXXX, wa XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation