BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX, and DSNB Bloomingdales. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is DSNB/Bloomingdales Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-05-05
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:
EQUIFAX, XXXX  AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: AMERICAN EXPRESS COMPANY
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : AMEX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello. In my credit report with Transunion it appears on one of my mortgage with XXXX XXXX  XXXX  XXXX adverse information about stating the account payment status the account is included in a bankruptcy. It also states in the remarks section : Chapter XXXX Bankruptcy. Ive disputed the item 3 times and lastly I sent them copy of my discharge and evidence this account was never included in my chapter XXXX and even if it would of been included, its beyond the 7 years mark ( XX/XX/2020 ) and it should of been removed from my account. Unfortunately they have refused to correct the information, it continues to appear and this is causing me issues now that I want to buy a property. Its important to say this is the only adverse and inaccurate information that appears in my credit report with and the credit reports with the other two agencies have no issues.

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 2017-08-10
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I filed for XXXX XXXX bankruptcy and included my American Express account and my XXXX XXXX  Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed 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 explanation
Consumer complaint received 2021-05-20
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a letter via USPS from a debt collector, Conserve. I was unaware I owed my community college any money, so I contacted Conserve XX/XX/XXXX to immediately get on a payment plan to avoid anything getting reported on my credit. They assured me over the phone I would avoid any negative marks on my credit if I set up a payment plan. They refused to provide me anything in writing. I paid XXXX dollars on XX/XX/2021. On the XXXX, I paid an additional XXXX. On the XXXX another XXXX, XX/XX/XXXX another XXXX. On XX/XX/XXXX I received notice that a collections account was reported to the credit bureaus. Not only was a collections account from conserve reported, but the entire amount of the debt was reported UNPAID. As if I had never paid them anything. I paid the debt collector as promised on time, compliant with our payment plan. I called conserve on XX/XX/XXXX and they told me payment plans dont mean anything and they wouldnt help me resolve the problem. In result I ended my payment plan with Conserve because I no longer trust the company. Ive paid them nearly {$300.00} dollars and in return theyve reported to credit agencies that Ive paid them nothing and the account is UNPAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: SUNRISE CREDIT SERVICES, INC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have called XXXX XXXX XXXX and waited for a correction of my bill as of today 's date I have not heard back from them. They would continue to hang up the phone and act like you never called to deal with the account as of today 's date I received notice from a collection agency in the name of Sunrise Credit Services for the amount of {$990.00} but how can I pay you when my account was never fixed and how can I pay you when i am waiting on a final bill and how can I pay you when your staff continues to hang up the phone or put me on hold for long periods of time for more than 2 hours I have been on the phone sometimes for 8 hours in one day and still nothing resolved and when you call back the next day its is like  nothing is pending and no record of you ever calling XXXX XXXX XXXX they have extremely terrible customer service that is affecting their business and the service is expensive paying for services that the customer is not receiving due to constant system upgrades.

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 2017-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. XXXX Bless ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputed the listed inquiries on several occasions, recently back in XXXX of 2020. I have not opened any such accounts with the listed inquiries. Please review and dispute on my behalf, thanks.

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 2020-11-18
Company: Student Apex
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2020 I agreed to have a third party to handle my Federal Student loans. Unknown to me they were not a legitimate or trusted company. The Company Student Apex told me that they will help consolidate my federal student loans, help lower my principle, and help me out of delinquency. I agreed to allow them to do this. 
On XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 {$190.00} was removed from my account under the assumption that Student Apex was transferring the funds to my Federal Student Loans. Upon returning to the States after the summer I began reviewing my Student loans and discovered that my loan were still in forbearance. I called my Loan Servicer to gather information and additionally discovered that they had not received and funds in the last 6 months for Student Apex. The total amount that was withdrawn from my account from this company totals {$1100.00}. 

Again, after making several attempts at contacting Student Apex via phone and email I called my bank and cancelled my card. Additionally I placed a fraud alert on my account starting XX/XX/2020

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Statebridge Company
State: AZ
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:
In XX/XX/XXXX XXXX  I cosigned and financed a pool loan with my ex-wife. The ex-wife was awarded the home in our divorce in XX/XX/XXXX. 

In XX/XX/XXXX I bought a new home with my new wife and my ex -wife had let the loan with XXXX  go delinquent. The loan needed to be paid current in XX/XX/XXXX to allow me to close on my new home purchase and it was paid current. 

Then my ex-wife let her mortgage go delinquent again in XX/XX/XXXX. This would of started the statute of limitations of non payment and reporting history for that account. The account was removed and deleted off of my credit report in XX/XX/XXXX. 

Now XX/XX/XXXX I was notified from my credit reporting agency that a new loan from Statebridge was reporting a balance and payment due and reporting late payments from the XXXX pool loan that was over 8 years old. This account with Satebridge re-reported illegally and damaged my credit scores. 
I disputed the account first with XXXX  and it was deleted right away in XX/XX/XXXX. Then it appeared on XXXX XXXX and XXXX  when it hadn't reported before only on XXXX. 

So then I disputed it with XXXX XXXX and XXXX  and it was deleted from XXXX XXXX in XX/XX/XXXX. 

XXXX  has been the most difficult in not responding to my disputes. They updated the balance to XXXX and show it current but this is not acceptable as the account wasn't mine and is over 8 years old violating the FCRA rights of the statue of limitations. 


This an urgent issue as I do not have any negative items on my report and trying to purchase XXXX dollar home which requires jumbo pricing guidelines. This type of loan product in very strict and this inaccurate reporting of the statebridge loan is preventing me from closing on my mortgage. 

I again recently disputed the account with XXXX online and I need to get this correct in 30 or less releastically immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Capital Accounts, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Capital Accounts LLC on XX/XX/19 and spoke with XXXX. I requested proof that the debt listed on my credit report was valid. I was told I needed to contact the original creditor. After advising I have already tried and the provider is no longer in business I was advised by XXXX that the company is not required to send me anything to validate my debt and they do not have any letters or documents to do so. XXXX then hung up on me twice after I requested a supervisor. I attempted to send a debt validation request via certified mail on XX/XX/2019 but the company has no physical address listed only a PO Box so I am unable to obtain proof the company has received my request. I have since received two different emails from this company on XX/XX/19 and XX/XX/19 with 2 different balances and was advised they are charging interest every day the debt is not paid. Collections agencies can not charge interest on debt if they are not the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a billing dispute on XX/XX/XXXX in the amount of {$230.00} for an item that was NOT received. Over the past 4 months, I have supplied Citibank with the information they required to satisfy this dispute. On XX/XX/XXXX, nearly 4 weeks from today 's date, I received a letter in the mail from Citibank ( attached ) stating the dispute was finalized in my favor and that conditional credit is now a permanent credit. Sadly, after waiting for an additional 2 weeks, the status of this dispute was NOT closed, as indicated on my account via the mobile app, and I have been charged several months interest ( APR ). During this dispute process, I have called Citibank a dozen times, requesting them to move this process along in a more appropriate manner. The account manager working on this dispute is completely incompetent and the fact that this dispute is still showing as " open '' is proof of this. Most recently, I spoke to a supervisor " XXXX - XXXX '' on Thursday XX/XX/XXXX @ XXXX XXXX MST, who re-assured me he would email the account manager for my open dispute and have them update the mobile app status to " closed '' and waive the interest that was charged as a result. Again, to date, this billing dispute is showing as open and I have fraudulent interest charges on my 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 monetary relief
Consumer complaint received 2022-03-14
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company and their attorneys are threatening to sue me for a debt that does not belong 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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called XXXX about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it 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 2020-09-03
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies on several of occasions. Those two Chapter XXXX Bankruptcies is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I contacted the US Bankruptcy Court initially at XXXX and was told they didnt see any information about me in there court records and suggested I come down to their office. I went to the US Bankruptcy Court IL FED Bk CTXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX as instructed and spoke to a clerk by the name of XXXX XXXX and she indicated that she didn't see a bankruptcy and they dont report bankruptcies to the credit bureaus. I have send 6 letters over the period of 2 years to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported this inaccurate information. Please assist me in this manner.

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 2019-08-16
Company: EQUIFAX, 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:
I have submitted disputes for inaccurate information that has been put on my credit report and XXXX refuses to investigate properly so that the items can be removed. XXXX wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: MD
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:
I contacted All XXXX credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation 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