BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a bank card from Citi Bank. I called they said a bank account was opened on my name online with my ss #. I never did This

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 2018-05-24
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: Account status incorrect

Complaint:
I have called the corporate number as well as the regular customer service number on numerous occasions from XX/XX/XXXX up until now XX/XX/XXXX as the reporting to the credit bureaus are incorrect. 

The company has over 20 late payments on my account reporting showing me late when the have 1 ) applied all of payment of {$350.00} towards INTEREST ONLY 2 ) add a non-requested extension on the account without authorization showing no payment.

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 2023-08-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i was victim of identity theft, the information listed below which appears on my Credit report does not related to any transaction that I ve made. this is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My name is XXXX XXXX XXXX XXXX owner of property XXXX XXXX XXXX XXXX XXXX, Florida XXXX Loan # XXXX. ( carrington Mortgage ) I am reaching out to you guys because I would like to see if you guys can assist with an issue I currently have. During the Pandemic I unfortunately lost my job and battled to stay current on my Mortgage account while facing a lot of problems. I work in the XXXX XXXX XXXX industry and unfortunately we faced a lot of problems and challenges to remain open. During this time I became past due on my mortgage and unfortunately its been a struggle to get current. I received assistance twice from them which I appreciate it and I am grateful for. My problem is that I kept facing difficult times and kept getting behind and dragging a late month multiple times and have accrued 16 late payments throughout my time since covid. I am receiving a bonus from work in the upcoming week so I will return to normal and I can promise I will always be on time but when I tried to ask Carrington Mortgage to forgive those late payments or report to the credit a different way to not have a negative impact they said they couldn't do it. Is there anything you guys can assist with? Prior to Carrington Mortgage I had 43 on time payments with XXXX before I refinance to Carrington and if you guys take a look at my credit everything started to happen around XXXX after we were shut down. 

I attached the letter I send Carrington Mortgage along with the screen shots from before and after covid and my excellent credit history with my prior Mortgage provider before switching over to Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them

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 2023-08-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX XXXX  credit card, that's I did not authorize on my credit report that is showing negative inquiries!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: GOLDMAN SACHS BANK USA
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
AFTER DOING A MINOR AUDIT OF MY ACCOUNTS I FOUND SOME FRAUD CHARGES ON MY CC. I REACHED OUT TO THE CC AND WAS TOLD BY CAPITAL ONE THAT I NEED TO CONTACT XXXX XXXX AS THE ACCOUNT WAS TRANSFERRED OVER. WHEN I CONTACT XXXX XXXX THEY TELL ME TO CALL CAPITAL ONE. I DONT UNDERSTAND THIS BACK AND FORTH AND WHY THEY REFUSE TO HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: TX
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:
in XX/XX/2019 my credit score with Transunion and Equifax were both over 600. At that point my utilization was at 90 % and I had eight derogatory accounts which had been reporting for several years. 

In XXXX of 2019 I had brought my utilization down to 30 %, one derogatory account was removed and instead of my score  increasing it dropped by 50 points ( equifax ) XXXX ( transunion ). seven days later both had dropped another XXXX points. 

I would like to point out that nothing else on my credit files changed.the only change was dropping my utilization percent and one collection account removed from my file. 

I have called both transunion and equifax to inquire why my score would drop when I have only positive changes to my reports. Neither companies could tell me a reason. neither company could tell me who could explain this drop when it should have been an increase. 

I would like to know who can tell me or who is responsible for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NV
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I took my car in XX/XX/2023 to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from Santander Consumer saying XXXX called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/2023 paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called XXXX and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier Santander Consumer and told them both what was going on, as I got it towed in. The following day Santander Consumer called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/2023 when XXXX called me claiming the water was coming from two window seals that needs to be changed. Santander Consumer then told me that my vehicle was already in the process of being picked up, at the request of XXXX XXXX of XXXX XXXX, they was just waiting on the tow truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
State: TX
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:
Credit report is showing an account that the company and myself do not recognize. 
I have called discover and they have stated there is nothing they can do as the account does not show on their end under my social. 
Account shows it was last paid XX/XX/2020 with a balance of {$3000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2023-05-23
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Sequium Asset Solutions, LLC
State: MD
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 noticed that a collection account was placed on my credit report on XX/XX/2020, by SEQUIUM ASSET SOLUTIONS for {$180.00}. I never received a dunning letter and never had a chance to dispute or request debt validation and am requesting that this debt is deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report. 
XXXX XXXX XXXX Originally came fro XXXX XXXX in the amount of {$1900.00}. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.

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 2023-05-23
Company: SYNCHRONY FINANCIAL
State: ME
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:
Subject : Complaint Against XXXX XXXX for Failing to Adhere to FCRA Requirements Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX  regarding their failure to adhere to the requirements outlined in the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has inaccurately reported a debt from a non-existent creditor, Synchrony Bank, which is causing significant harm to my credit profile. Despite my repeated attempts to rectify this issue, XXXX XXXX continues to report this erroneous information, claiming that I have a XXXX XXXX XXXX with Synchrony Bank, when in fact, my credit card is with XXXX XXXX. This continued inaccurate reporting constitutes a violation of the FCRA. 

Under the FCRA, debt collectors are obligated to report 100 percent accurate information, including the names of the creditors, on credit reports. XXXX XXXX failure to adhere to this requirement is evident in their reporting of a non-existent debt with Synchrony Bank, thereby damaging my creditworthiness and causing unwarranted distress. I have clearly communicated to XXXX XXXX that this information is inaccurate and have requested a dispute, yet they persist in mailing me statements from XXXX XXXX, which confirms the fraudulent information being reported. 

The FCRA was enacted to protect consumers like myself from such inaccurate reporting by debt XXXX. It is imperative that XXXX XXXX rectifies this violation promptly and removes the false debt associated with Synchrony Bank from my credit report. Their continued disregard for the FCRA provisions is causing me significant financial and emotional distress. 

I kindly request the Consumer Financial Protection Bureaus intervention in this matter to ensure that XXXX XXXX is held accountable for their violations of the FCRA. I ask that you thoroughly investigate this issue and take appropriate actions to rectify the inaccurate reporting, including the removal of the negative information from my credit report. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureaus commitment to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to a prompt resolution of this issue. 

Sincerely, [ Your Name ]

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have reached out to the companies several times to handle this particular matter. These items are causing my report to look bad and it is tough to get approved for apartments. Please help with this issue.

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 2022-12-17
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  .... Balance : {$540.00} ; XXXX XXXX .... Balance : {$17000.00} ; XXXXXXXX XXXX .... Balance : {$6900.00} ; XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX .... Balance : {$5400.00}

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 2020-07-23
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX through XXXX, we had significant medical and credit card debt incurred, as well as income lost for 33 months between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, two separate judgments were entered against me for credit card debts. 
In the last quarter of XXXX, I proactively reached out to settle the debts using financial help from a family member. 
We were attempting to settle both debts at the same time in order to clear our credit completely. We had significant difficulty with one of the companies, but we received an offer from another. 
The company we received an offer from was Crown Asset Management, represented by XXXX XXXX in XXXX WI However, the other debt collector rejected their original offer and refused to renegotiate due to a misunderstanding on their end, just 24 hours before funding was to be sent out. This unfortunately resulted in me not being able to settle any of the debts as we were unable to clear our credit. 
Initial Dates for Crown Asset Mgmt : In XXXX of XXXX, we received a reasonable offer of {$10000.00} In XXXX of XXXX, my son and I were in an accident, which resulted in 4 additional medial bills and judgments as we waited for our lawyers to resolve the issue. 

After were were able to settle in after the economic shut down of XXXX, I once again reached out to XXXX XXXX to make another attempt to resettle our debt. 
Crown is now managed by XXXX XXXX XXXX, not XXXX. 

Today, XX/XX/XXXX, I received an unreasonable and excessive counter offer of approximately {$16000.00} to settle the debt. 

This is an INCREASE of {$5800.00} in just over 1 year. 
My total debt has not increased HALF that amount since XXXX. 
This equates to a percentage increase FAR EXCEEDING all 5 other judgments that I have been able to resolve. 

I fully understand interest has accrued over the past year, however, a 3.99 % increase ( which is where EVERY OTHER debt collection agency is at ), would result in a significantly less increase than what has been countered with. 

This is excessive, unreasonable, and far outside the amount I have available from a family member who is assisting in this settlement. 

I am prepared to settle for {$12000.00} ( {$1300.00} OVER the initial offer in XXXX ) and the funds will be sent within 48 to 72 hours of acceptance. 
I am NOT in a position of paying nearly {$6000.00} MORE than the previous offer a year ago. 

There is absolutely no standard of interest or reason for such a counter and absolutely no precedent for what can be expected. 
I am already borrowing this money. I have no retirement, no savings, and no money set aside for education for our kids. And this is not helping me and my family be able to move on from unexpected and unavoidable medical debt over 10 years ago.

Company response to consumer: Closed with explanation