BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I submitted a credit card application for a line of credit with Citi. Application # XXXX. I received a 'Decline of application ' notice dated XX/XX/XXXX.

I understand they have a right to refuse service and grant credit at their discretion. I have reason to believe their decision is discriminatory based on the fact that I had a mortgage contract where they aggressively foreclosed in XX/XX/XXXX. The impact of their explanation and the declination is more of a rejection rather than considering and objectively evaluating my current credit worthiness. I have a revolving gas card in good standing for 20 years+, that is a subsidiary with Citi , XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I 've tried to call the ph. # XXXX to inquire of their decision and they have no option for a live person conversation. I expected at least the courtesy to find out what is lacking, as they express desire " to be clear and helpful in explaining this decision ''. Not so. 
For these stated reasons I make a formal complaint to Citi and the staff.

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 2019-09-24
Company: Experian Information Solutions Inc.
State: AR
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:
My name is XXXX XXXX. In process of researching purchasing a home, I was made aware of a delinquency in my credit report.I spoke with my servicer XXXX regarding the delinquency. It was reported delinquent from XX/XX/2019 - XX/XX/2019. I spoke with servicer and requested the froebrance be processed to cover delinquency and update my report. I have seen no updates, and hope you can speak with them to assist in my credit update. 

Thank You

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 2022-08-11
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.

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 2019-09-24
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Company reduced credit limit by over half ... XXXX to XXXX resulting in my card being XXXX dollars away from max limit although I had made 2 consecutive payments over {$1000.00} each in order to have my balance at half of available credit. I have an excellent payment record with the company, have never been late or missed a payment. Their actions are lowering my credit score further while I am taking the proper actions to raise my score. My card usage was up due to international travel yet I have been making significant payments to lower those balances and have not been late on payments with any of my creditors. Their actions are detrimental to my credit at a time when have not done anything wrong other than use credit that was available to me.

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 2021-03-24
Company: Collection Bureau of the Hudson Valley, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i recently applied for a mortgage but there were two outstanding credit collection items both related an accident. I XXXX  my XXXX due to slip on wet marble floor XXXX XXXXI was taken the XXXX  by an XXXX  company. The XXXX company billed my insurance over {$1000.00} but my deductible was {$400.00}. I was not aware there was a balance. The ride to the XXXX was less then 10 blocks. Had I known i would have walked to the XXXX myself. In addition, my gym continued to charge me despite not going for months due to a XXXX XXXX. They renewed the service despite that i was not attending. I closed my credit card to stop the gym charges but they tried to continue to collect fees. 
I am now forced to pay for these extortion fees to clean up my credit for services not rendered and overcharges by the private XXXX  service company. 

CBHV Collection Agency # XXXX XXXX # XXXX XXXX XXXX Amount {$400.00} representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM tele XXXX XXXX XXXX Service performed XX/XX/XXXX XXXX XXXX  XXXX # XXXX Tele XXXX XXXX XXXX Amount {$78.00} representative XXXX Gym services for : XXXX XX/XX/XXXX Please note i had not gone to the gym since XX/XX/XXXX because my XXXX was XXXX  and was in a XXXX. They charged me for months of services despite i had asked them to stop charging. 


i paid the charges to end this from being reported past due but the taint will continue to be reported as late bill. It is wrong that i have pay for these illegal fees. 

My contact : XXXX XXXX tele XXXX XXXX XXXX birth date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tried to contact one two different occasions both times spoke with very rude people over the phone. The first time attempted to set up a payment plan and was told that my only option was to pay in the debt in full all once and was given no other options. The second time tried to set up a payment plan, agreed on one but when I asked for a letter stating I was going to set a plan in place and asked about a written validation notice, was told they could not provide me with nothing but that I was expected to give over my banking information over the phone right then and then the only thing I would get was a bill in the mail 7-10 days before an automatic payment would be set up. Refused to send me anything about the debt or that I was attempting to settle it. When I stated I did n't feel comfortable with giving my information over the phone until I was given something about he debt in the mail I was rudely told they do n't do anything and I can just do this some other time, then he rudely said bye and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed for no real reason. I reached out to the company and they completely ignored me. I then filed a complaint with the XXXX and yet again they lie and gave false information. Nobody has said anything to me, I still have not received the money that was in the account and no one has reached out to me about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: GREAT LAKES
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A student loan from the US Department of Education was taken out in my name in 2012. I contacted the US Department of Education about the loan and after a lengthy back and fourth struggle, they took the loan off my name.Once I obtained my credit report I noticed a derogatory mark on my name. It was from the US Departments loan that was fraudulently put in my name. Since the loan was removed from my name, all marks and wrongful accusations should be removed also. It is bringing my credit score down because of its negative remarks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
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:
I have tried to dispute several bad things on my credit and they wo n't go away. I 'm currently trying to get private student loans for school and am continuously denied bc of Equifax reporting. This is causing a lot of problems for me. XXXX is fixing it on their end why wo n't Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
All of these Accounts were open up in XXXX XXXX Nevada. And I live in Alabama. I mailed a fraud affidavit. Police report 3 days ago in reference to these accounts. I mailed 16 years of Alabama state Id. Every last one of these accounts are affiliated with XXXX XXXX Nevada. They were all open. In Nevada and have a attached Nevada address. Please see police report and remove from credit file. 1.XXXX XXXX- -'- Fraud auto loan open up in XXXX XXXX Nevada 2.XXXX XXXX- Fraud apartment XXXX XXXX Nevada 3.XXXX XXXX- Fraud merchandise was mailed to XXXX XXXX address 4.XXXX XXXX - Fraud XXXX XXXX Nevada address 5 . XXXX XXXX Fraud XXXX XXXX Nevada address 6. XXXX XXXX -- -- Fraud cable company in XXXX XXXX Nevada 7 Chapter XXXX -- -- -- Fraud was filed online Pro see XXXX XXXX Nevada 8. -22- unaurhirized inquiries Fraud paperwork will show all fraud inquiries on my credit report. With Fraud affidavit and police report please remove ALL from credit file.

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 2017-07-28
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We lost our jobs due to plant closing and XXXX.Less money coming in with more medical bills.We could not pay the bills.
we tried motification of house loan and was turned down twice.they said they either did n't get the papers or they were timely or incomplete. the day the forclosure notice was delivered we were on the phone with our case worker.He said he had no record of a forclosure. Sent same papers to the bank and the caseworker. with no help. after they put us in forclosure they called to see if we still wqanted to save the house. Soi they sent us another packet. This has been going on fo9r 10 months or morewithout them giving us any help.If they would have helped with the modification we would n't be having this problem [ interest on loan is 8.2 % ]

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 2017-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed.
See my disputes below : XXXX  XXXX balance : Experian and XXXX $ XXXX/XXXX {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with Experian, which is correct I was never late XXXX XXXX XXXX  has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years!
XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof

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 2017-07-28
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 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed.
See my disputes below : XXXX  XXXX balance : XXXX and TransUnion $ XXXX/XXXX {$20000.00} ; late payments : alleged late on XX/XX/XXXXis reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX TransUnion has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account sinceXX/XX/XXXX on the first andXX/XX/XXXXon the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years!
XXXX XXXX XXXX I paid on time XX/XX/XXXXand XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof

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 2022-08-11
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When covid first started I did a forbearance due to being out of work due to school and daycare closures. After my forbearance ended, I was told by a freedom rep that there where covid programs available that would assist me in getting back on track. I submitted all my information so I could be considered for one of the programs. The first program was a partial claim, but it didn't lower the payment to one that I could afford. I was told that in order to be considered for the covid modification I had to decline the partial claim. Which is what I did. I was informed that I was approved for the modification, and I accepted due to the payment being what I could afford. I continue to call because after informing Freedom I accepted I still had not received my documents that needed to be notarized. I was instructed by a Freedom representative when my first payment would be do and in good faith, I made three payments of the sixth within the agreement. I continued to call and stay in contact with freedom letting them know I still hadn't received my paperwork. I was told it would be emailed only to later find out that paperwork could not be sent through email. After my continued efforts of calling trying to get this paperwork, I was told that it had been to long and they would have to go and work the numbers again. They came back with a payment maybe {$20.00} dollars cheaper than my original payment. I informed the rep that I was unable to make that payment and I would do the full borrowers application. I sent all paperwork requested multiple times. I received letters in the mail stated I was not complying which was NOT true. I would call in and speak with reps stating they clearly see the documents being received via email. Now I'm here receiving foreclosure notices and sales dates to my surprise because I have been in the modification process and keeping in contact on a weekly basis being told they are working on my modification. I have spoken to several reps and supervisors in the escalations department. Freedom mortgage has shown itself to be a crooked company out to get over on its customers. Trying to come back from covid has been hard on everyone and this company has made it worse. Withhold paperwork from a single mother just trying to provide for her family, you should be ashamed of yourself.

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 2022-01-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, XXXX CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL 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