BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I am appalled by the fact that Citi did not remove this late remark that completely violates the FCRA. 

I have contacted the Consumer Financial Protection Bureau and the Federal Trade Commission because your company is reporting me 30 days past due from the {$450.00} membership fee that was placed on my account in XX/XX/2020. 

When I initially applied for this card, the {$450.00} fee was automatically going to be taken out with the checking account information I provided during the application process. I even contacted Citi and was told that no minimum was due at the time, NOT even the internal membership fee. 

This is not a true representation of my payment history as I did not spend one penny on this account before your company reported me 30 days past due. This is against my consumer rights to report information based off a fee that Citi applied to this account. Especially, when this was scheduled to be paid when I applied for this card. 

Your company CAN NOT report me 30 days past due! I was never informed by your company of ANY membership fee that was going to be applied when the card opened. How can your company report a fee on this account when XXXX NEVER used it. How can your company report me 30 days past due when I never used the card? This is completely unethical and I need further explanation.

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 2017-11-17
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me and demand over {$700.00} in medical Bill 's. Say they can give me 40 % off if I pay it through them, and not to pay the hospital to pay them instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/2018, I had simultaneous unauthorized charges on three credit cards, and CITIBANK card was among them. Two banks set the red flags right away and blocked the transactions after getting my " No pay '' responses. CITIBANK ignored the fraud, so I was made aware of the fraud on around XX/XX/XXXX from the bank statement I got. I immediately called the CITIBANK Security department and notified them about the unrecognized transaction of {$4500.00} to some XXXX XXXX restaurant in XXXX. A thorough exploring of my credit report showed that CITIBANK knew about the fraud since they made an inquiry with XXXX on XX/XX/2018, a few days before I got the statement. So, the bank did not notify me of the suspicious activity on my account but started botching my credit score. Also, the CITIBANK initially credited my account with the above-mentioned amount on XX/XX/XXXX but reversed it the next day. In my chat session, the agent XXXX stated that this unauthorized transaction was NOT my responsibility ( I have a transcript ) but the bank further pursuit the idea that the credit card embedded chip was activated but have not submitted any evidence of this like a copy of the receipt and the alleged restaurant address. CITIBANK has spoiled my credit score due to improper operation of their Security department. 
Beside that CITIBANK stated that the problem has been resolved, which is not so, and thus mystified the Federal Trade Commission, which informed me on that.

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 2018-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX/I do not remember given authorized to these company to obtain a copy of my credit report. This inquiry need to be removed immediately : I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry./ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
DEPT OF EDUCATION/XXXX  is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. 

PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. 

The credit agencies will be held responsible and liable for damages.

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 2018-11-20
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I left with family from XXXX to XXXX on an Emergency XX/XX/2018 regarding my mother who soon passed XX/XX/2018 I had returned. in that time I thought I left my wallet and phone in my vehicle but it was not there, I called keybank XX/XX/2018 to put my card on hold for suspicious transactions and told me to call again XX/XX/2018 which I did twice now keybank says I have to fill out a police report but no burglary was committed to my vehicle and bring a form of i.d . which got stolen. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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: Account information incorrect

Complaint:
Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and 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 2021-07-09
Company: EQUIFAX, INC.
State: GA
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: ACIMA CREDIT, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to ACIMA CREDIT requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, ACIMA CREDIT provided me with billing statements which does not prove i am obligated to pay them anything. ACIMA CREDIT have reported delinquent information to the credit bureaus that i am asking to be deleted. The bill that was sent to me is not the same account thats being falsely reported to my credit nor does it have the right address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: IL
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 submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. Equifax still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
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:
Starting in XX/XX/XXXX, I began the process of refinancing my VA Loan. I kept making payments, and sent in my payment on time for XXXX. FREEDOM MORTGAGE CORP, decided to not apply the payment and instead sent the check back around XX/XX/XXXX. I still was on late as the payment wasn't due until XX/XX/XXXX. I then tried pay by phone and they stated I was not eligible to make a payment over the phone because I was in the process of refinancing. FREEDOM MORTGAGE CORP then even before 30 days past sent a late payment of 30 days to all of the credit Bureaus, I believe in an effort to prevent me from refinancing. Luckily I was close enough to closing that it did not affect my negatively at the time. I contacted Freedom Mortgage Corp Loan at ( XXXX ) XXXX about my Mortgage ID number is XXXX, they at first tried to deny that I sent them a check so I forwarded them a copy of the check and the return envelope they said they would fix the error, but nothing ever happened. I am in the process of relocating to another state and need to be able to purchase a home using my VA Loan privileges again and I am worried this will negatively affect my ability to get a loan or at the very minimum prevent me from getting as low of an interest rate as possible. I have sent multiple disputes using the various Credit Bureaus and the dispute keeps coming back that the record it accurate. I am hoping I can obtain some help from you in this matter. I will also try and reach out to the VA Home Loan Group and file a complaint there as well, because I am sure I am not the first Veteran to be treated this way by FREEDOM. They address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. 
I really hope you can help me out with this problem. Thanks so much

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 2018-11-20
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My family and I've been having XXXX since XXXX and hadn't had any problems until recently : on XX/XX/XXXX, 5 months after I'd turned in the leased/previously-used XXXX XXXX XXXX to a dealership, I received a letter from Alltran XXXX stating that I owed {$100.00} to XXXX XXXX for 'one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above that allowed by your lease agreement ', and no specifics. 
I called XXXX XXXX about this, and they said they couldn't answer my questions and insisted that I talk to Alltran XXXX regarding this matter, and I was transferred over to Alltran 's XXXX XXXX, a rep, who asked me for the last 4 digits of my SS #!! .for identification purposes. First of all, XXXX XXXX failed to protect my private info by disclosing my SS # to a 3rd party, and breached my privacy and confidentiality rights! Then, when I refused to give out the last 4 numbers of my SS #, I told her that I had Alltran ID and  the Account #, she said that these won't work and asked for my home address. After I provided her w/the address, she located my account but still wasn't able to tell me what I was being charged for. After some more searching and putting me on hold, she answered that it was for wear and tear. I explained to her that in XXXX I had leased then-already-pre-owned XXXX XXXX, and had returned the car in exactly the same condition as I had gotten it in ; there were some minor dent and scratches on the car by the time when I had leased it from the dealership. I then asked Ms XXXX to send me an itemized detailed report on the car damages, for which XXXX XXXX was charging me. The Alltran 's rep 's response was : " Prove that you surrendered the vehicle in a good condition otherwise we'll report failure-to-pay to the credit agencies, you have just a few days left. ' Based on all above mentioned, I've filed a complaint w/XXXX XXXX XXXX and Im now reporting them to The Consumer Financial Protection Bureau. I view the whole situation as fraud and extortion. Im financing my currently leased XXXX through XXXX XXXX again, and I dont want any more surprises and I do not want this company to ruin my perfect credit history because of their fraudulent claims and manipulative approach to get me pay for so called damages that weren't there when I was surrendering the car to the dealership. Please help me to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: American Financial Credit Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not the first time I have been contacted by American Financial Credit Services about a supposed tax bill that I supposedly have with the XXXX County government. I lived on the property as a renter from XX/XX/XXXX-XX/XX/XXXX, and my sister, XXXX XXXX ( then XXXX  ), and her former husband, XXXX XXXX, were the sole owners of the house. I never had any financial stake in that property other than paying rent to my sister. The address is XXXX XXXX XXXX, XXXX XXXX, SC, XXXX. I did not respond to them the last time they contacted me and left me a voicemail with the same claim. I called the XXXX County tax collector 's office directly to find out why I had been referred to this debt collection agency and they said they had no idea what I was taking about, they had never referred me to a collection agency, and I was never listed on the deed or mortgage for the property. I ignored the last voicemail this company sent me, but this time, I need them to stop contacting me about a false tax debt. The caller 's name was XXXX with a reference # XXXX and he said to call him back at XXXX ext. XXXX. However, the call number on my caller ID was listed as XXXX. I submitted this complaint through the FTC on XX/XX/XXXX, FTC Report Number # XXXX. 

I recently received another voicemail from the same company on XX/XX/XXXX regarding the same supposed debt I do not owe. This time, the caller identified himself as the same man, XXXX, with the same contact information - different caller ID on my phone vs. the phone number he told me to return his voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an attorney representing a client on a probate estate for her late husband in XXXX XXXX County, Missouri. We were referred to by the Office of the Comptroller of Currency to file a complaint with this agency. 

My client previously obtained a probate court judgment - known under Missouri law as an " Order of Refusal of Letters to Surviving Spouse '' - therein awarding my client her husband 's  mortgaged home. This judgment was recorded with the XXXX XXXX County Recorder of Deeds, and pursuant to Missouri law, title to the home was transferred to her. 

She has attempted to complete a Successor in Interest transfer of the underlying mortgage with US Bank for over a year now. US Bank continues to send my client an identical stock letter requesting that she send in a copy of the most recently recorded deed, to complete the Potential Successor in Interest process. We have sent the aforesaid recorded probate judgment to US Bank on numerous occasions. They continue to fail to recognize or acknowledge that the judgment has been recorded and title to the property has been conveyed to Ms. XXXX by operation of law. There is no other recorded deed which we can provide. To date, we have received the identical letter five times now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted Experian in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Experian again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Experian that there were none showing. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.

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 2018-08-06
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is not my debt if you believe it is please provide a copy of a signed written contract. i have no knowledge of this debt. also consider this as a cease and desist and also i need you to remove yourself from all 3 of my credit bureaus immediately and delete all my personal information now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Sent out several letters explaining that the information they had regarding accounts were not mine. I asked for the original signed documents to prove that the accounts belonged to me. The credit bureaus keep reporting the information as mine. 
sent letters XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. I even sent letters using certified 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 2016-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian shows a Bankruptcy on my credit report. I do not have ANY Bankruptcy. I disputed the information with Experian. Experian said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX XXXX XXXX XXXX XXXX. We have completed our investigation and the disputed information in your XXXX XXXX XXXX report has been modified or deleted where applicable. I sent the XXXX XXXX investigation letter to Experian but the negative sill appears on my credit report. Letter was sent XXXX XXXX, 2016 via USPS certified mail. Letter was signed for on XXXX/XXXX/2016 at XXXX XXXX and I am in possession of the return receipt.

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 2018-08-06
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: Old information reappears or never goes away

Complaint:
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.

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