BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX year old XXXX 's account is blocked by Citibank since XX/XX/2018. More than one week with no access to funds. We have been to the Citibank branch twice and complied with all requests. They can not explain why the account is blocked.

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 2021-03-05
Company: KeyBridge Medical Revenue Management
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: HCFS Healthcare Financial Services of TeamHealth
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:
On XX/XX/2017, ARS ACCOUNT RESOLUTION added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, ARS ACCOUNT RESOLUTION has violated my rights as a consumer an I'm requesting legal action to remove this account 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 2018-07-03
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Navy federal credit union threaten to report my car stolen when I was unable to make payments. I stopped driving the car, thinking they would just come get the car. It was stolen and I never reported it as stolen based on them telling me they were going to report the car stolen against me. For years they tarnished my credit even still even though this occurred almost 7 years ago. They report inaccurate information to the credit bureaus and have kept me in a state where I havent been able to recover. I had XXXX insurance I was going had filed for XXXX with the XXXX while this was happening I was working due to my XXXX and couldnt make the payments. I am now XXXX XXXX XXXX when I tried to get them to honor the XXXX insurance they refuse. Ive written to the ceo to no avail. I saw they had to pay I deserve some of it due to their business practices. Please help! I still have the recored conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
WE paid our account in full on XX/XX/2017. in XXXX I received an e-mail saying I a late payment. I called and they said I had signed up for paperless statement, which we did not. They could not produce a document where I said I wanted that. When they sent me a copy of my bills for XXXX and XXXX, I saw charges for XXXX dollars on the XXXX bill which I did not charge and an interest charge of {$7.00}. on the XXXX XXXX I was charged the {$19.00} and a fee of XXXX making a total of XXXX then I called this A.M and they said I owed XXXX which is more interest. I told them I would pay the XXXX just to get rid of the hassle and they said they could not delete the rest of that interest. I want them to go back and refund me that interest and fees that I do to owe.

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 2020-08-29
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello I hope you are doing well. I opened a Synchrony Bank XXXX Credit Card on XX/XX/XXXX. I did that to take advantage of their promotion at that time ( I had to spend {$500.00} in 30 days after the account was opened to earn a {$150.00} statement credit ). Even though the account was opened on XX/XX/XXXX I just received the card to make purchases on XX/XX/XXXX. The first credit card was lost by USPS and I had to call them to get a new card. On the day after my card arrived, I went to the store to use the card. I spent around {$290.00} and waited until the purchase posted to pay it. The purchase posted within 2 days and I paid it right away to free up my credit limit so I could spend the remaining {$190.00} to get the {$150.00} bonus. The payment posted within 2 days but to my surprise my credit limit didnt go back to normal. The bank acknowledged the payment posted but said because it is a new account I will have to wait 7 days until the credit limit goes back to normal. When I called the bank the first time complaining that they gave me a credit limit lower than necessary to get the sign up bonus and that I didnt have the full 30 days to spend the required amount, I was told they couldnt do anything about that but they guaranteed as soon as the payment was posted I would have enough credit limit to make another purchase and get the bonus. Well, that wasnt true either because now I have paid my balance in full and I still dont have a limit to make a new purchase. The bank clearly set me up for failure. First, they sent me a card after 15 days the account was opened knowing that I would have only 15 more days to hit their minimum spent requirement. Second, they gave me a {$300.00} limit, making it impossible to spend the {$500.00} requirement without paying off the balance right away. Third, after paying the full balance off right after the purchase was posted the credit card bank accepted the payment but decided to wait 7 days to give me the {$300.00} limit back. Im very disappointed with Synchrony Bank and I am sure they are trying to scam me. What can we do about that? Thank you for your time.

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 2020-10-19
Company: Santander Consumer USA 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 information incorrect

Complaint:
My on time payments for XXXX and XXXX have not been reported to the credit bureaus. I have asked them to update but it has not been done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions 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:
My ( 2 ) federal student loans with XXXX are being reported to the credit bureau 's as late for the period in which I was in school and they should have been deferred. Both accounts were paid in full years ago, so I am unsure how to correct this error on my credit bureau reports.

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 2021-09-10
Company: Peter Roberts & Associates, Inc.
State: MA
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:
Peter and Roberts sent letter for XXXX to remove these paid collections and they are still appearing on my credit report. This is hurting my credit really bad. XXXX need to remove these XXXX XXXX/ peter and roberts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: DC
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:
My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted Equifax on XX/XX/2018.Equifax stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions 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:
CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$2200.00} XXXX Account # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2000.00}

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 2018-03-09
Company: Experian Information Solutions Inc.
State: DC
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:
My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted XXXX  on XX/XX/2018.XXXX stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.

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 2022-01-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau Equifax and XXXX about the unverified info being reported from XXXX XXXX XXXX XXXX, Account number XXXX and XXXX XXXX XXXX  Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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: Account information incorrect

Complaint:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine COLLECTION XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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 2018-07-03
Company: Experian Information Solutions Inc.
State: MD
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:
Disputed information on Experian credit report about XXXX XXXX XXXX mortgage. The mortgage was included in bankruptcy discharge XX/XX/2015 and the account still has the activity from prior bankruptcy being reported. When attempting to dispute - prompted that unless new information was obtained, new investigation not available. 


1. The first investigation was not updated. 
2. The accounts activity, history and balances are being reported incorrectly 3. The account is closed. 


per FCRA : This item ( s ) is ( are ) inaccurate because ( list exactly why each item is incorrect or incomplete for instance, The debt was included in my bankruptcy and is only allowed to be shown as a XXXX balance-discharged in bankruptcy. No other negative information is allowed to be listed on that trade line. 

Further all other accounts that were included in bankruptcy are being reported this way and need to be reported correctly.

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 2022-01-07
Company: I.C. System, Inc.
State: DC
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:
The credit bureau failed to verify the collection account I.C. SYSTEM, INC ( account number XXXX ). I have mailed the following letters to XXXX to dispute this inaccurate information on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Please remove this 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
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 called Bank Of America about a credit card account which was deactived by them which i was aware of. A month or two later they reactivate my card without my knowledge of it being reactivated and it became late and turned into a charge off and a collection. 
I paid the charge off. I had a good payment history with them since 2005 and explained to them that it was hurting me financially by being on my credit report. What makes this a unfair credit practice is the rep who I spoke to on the phone said they could not remove it and it was solely in the hands of the credit bureaus to remove the charge off and that they had no control over removing the item which reports on my credit report. It is sad they are not held accountable because when you call them they say it is on a recorded line and she intentionally misinform me that Bank Of America had no control over the out come or the removal of a item on my report. Is It ok to tell your customers that Bank Of America does not have the power to correct an item on a credit report.

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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I would like to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 
Because I did not apply for credits, I have also reached out asking that they remove the inquiry from my credit profile. 

Please start an investigation.

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 2019-04-09
Company: Experian Information Solutions Inc.
State: MO
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 credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX  {$3600.00}, ( 3 ) XXXX XXXX XXXX  {$0.00}, ( 4 )  XXXX XXXX Bank {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX XXXX XXXX {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 )  Missouri Div Chld {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.

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 2018-03-09
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:
Federal law provides that bureaus must maintain the correct status on items or remove them from the file. I am enrolled in a NON-PROFIT consumer credit counseling program. When such programs are " NON-PROFIT '' the bureaus must change the status to a " XXXX '' XXXX and XXXX XXXX have complied with this law but Experian apparently has their own interpretation of the law. The accounts included in this program are : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion has falsified information violating my right to credit. They have continuously created false inquiries which they have no authorization to, and shared information publicly by doing business with corporations. As stated on the transunion credit report as of today XX/XX/XXXX I have a total of XXXX inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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