BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2019-09-26
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted on XX/XX/2019 by Medical Business Bureau ( MBB ) about two medical bills. I had previously contacted the creditors when I received their bill and informed them that my insurance company was still processing their claim. I was about to board a flight to my country as I am a XXXX  XXXX in the USA. I  explained to the agent that my insurance company and processed one account and the other was still being processed by them. I requested that MBB contact XXXX XXXX XXXX XXXX to get an update on my file. I explained that I was leaving the country and that I would contact them upon my return. The agent told me they would make a note on my account. When I returned on the evening of XX/XX/XXXX, I found a collection notice dated XX/XX/2019. On XX/XX/XXXX when I returned to the USA, I called the collecting agency and told them that one bill was paid on XX/XX/2019 and the other was still being processed based on the Explanation of Benefits ( EOB ) from my insurance company. The agent told me that I needed to mail the EOB 's to them and that if the debt was not settled by XX/XX/XXXX it would be reported ro the credit bureau. I asked how can you be putting a collection on my credit report when my insurance company has not completed processing the claim and they are responsible for paying the bill? I requested an email address to send the EOB to but was told it had to be mailed in, they do not use email. I mailed the EOB 's of the paid claim and the one that showed pending to them on XX/XX/2019. On XX/XX/2019 I called MBB again informing them that the second claim was now processed ( XX/XX/2019 ). I told them I was mailing the EOB to them. Last night ( XX/XX/2019 ) I checked my credit via XXXX XXXX and see both bills being reported as collections!!. I disputed both collections recorded with XXXX and provided the EOB for both bills showing that the insurance company paid both bills. This morning ( XX/XX/2019 ) I called MBB to ask about it and was told that they only have the EOB showing the bill that was paid and the one showing that the other bill was pending. I told them that the completed EOB for the next claim was mailed to them over two weeks ago. They have not even contacted XXXX XXXX   XXXX XXXX to update my account. Even though they confirm that they received the first EOB showing one payment, they still reported it as a non-payment to the credit bureau. When I asked about this, the agent told me he would remove that one!! Isn't this dishonest? I told him that I sent both EOB 's confirming that the insurance company paid and that I wanted both removed or I would contact a lawyer. Medical Business Bureau should not be reporting collections to the credit bureau without the correct information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX Citimortage did not give me any options when I was having problems paying my mortgage. I even inquired about a deed in lieu. I made countless calls and stayed in communication but I ended up getting foreclosed on. I just found out that based on CPA of XXXX and the CFPB mortgage disclosure rules od XXXX, that they should have tried to help me. What are my options 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 explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
One of my credit card issuers was recently bought by another institution ( XXXX XXXX  ) which sent me a notice that they were changing the terms of my account due to an adverse credit report from Equifax. Some of the issues cited in this notice are obviously incorrect. The notice informed me that I could address this report at Equifax.com/FCRA, a web site that never responds. I called the Equifax phone number listed in the notice, XXXX, and after a one-hour wait time was connected to a person who demanded that I identify myself by telling the " usual '' balance of some credit account that no longer exists. When I asked him to clarify the question he hung up. When I tried to register a new account at myequifax.com I was asked five questions, none of which had anything to do with me. It refused to recognize me but allowed me to ask for a PIN number to be sent to my mailing address. This was sent and the indicated web site, https : //my.equifax.com/pin, accepted it but the account I had tried to establish again refused to acknowledge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I paid American Express a total of {$1700.00} in Membership fees this card member year. Due to an unwarranted account closure I am not receiving the spending ability and the associated benefits that I have paid for. American Express stated " We are unable to credit the Annual Membership Fees In the last year, the Cards that were billed Annual Fees are listed below. These accounts are ineligible for an Annual Membership fee credit '' I am unsure what this is supposed to mean, it is akin to saying " We are unable to return your money that you have given to us in return for goods, though we have never supplied the goods as promised '' Annual Membership Fees are charged to the consumer so that the consumer is a able to take advantage of the perks and other related benefits of that credit card, not so that the bank can take the consumers money and not provide the benefits of that card. American Express states " In your complaint you referred to the annual fees you had previously paid on your accounts and that you would like them to be refunded. Per the terms of the Cardmember agreement ( CMA ) that you agreed to when you used signed or kept the cards, the annual fee may be refunded if you voluntarily cancelled your accounts within the billing period the annual fee was billed. Since the accounts were not voluntarily cancelled by you no refunds are due for the annual fees previously paid ''. Practically speaking American Express is stating they can decide to shut down any consumers account after the consumer has paid the annual fee without recourse. To me that sounds illegal and unethical ; to be able to shut down a consumers account at whim after charging the annual fee without having and or proving a valid reason for the shutdown. Especially in my case, where the reason for shutting down my American Express account has been proven false and unfounded. I hope that the CFPB can take the necessary action against American Express for the unwarranted closure of my accounts and for falsifying information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: BARCLAYS BANK DELAWARE
State: TX
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 noticed an unauthorized inquiry from Barclays Bank Delaware ( Brcylsbankde ) on XX/XX/2019, on my XXXX credit report. I have never applied nor gave permission to obtain my information to this institution. I have sent several letters to this company and no results. Please provide a bearing signature and application that was created with your company. I am a victim of identity fraud and have locked all of my credit files. Please remove this as soon as possible as it is harming me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to Cardinal financial company several months ago to inquire about refinancing my home and what it would entail. I spoke to XXXX XXXX NM XXXX XXXX, at length and gathered several pieces of information that would be required if we chose to refinance our home. We decided not to go this direction. Now today I received a " Statement of Credit Denial, Termination, or Change '' dated XX/XX/2021. Never at any time did we submit an application nor give any permission to dig in to our personal credit history several months later. I work hard to improve and keep a satisfactory credit score and this should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I opened a credit card account with Capital One and they sold it to another company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/2019 I tried to resolve it with Capital One and XXXX XXXX XXXX and was told, by XXXX XXXX of XXXX XXXX, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. 

XXXX XXXX- ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2017-11-21
Company: SYNCHRONY FINANCIAL
State: TX
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:
Hard inquiry : XXXX/XXXX/XXXX XXXX/jcp XXXX/XXXX/XXXX XXXX/jcp

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 2021-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian continues to inaccurately report two charged off accounts on my credit file. The two accounts in question are XXXX/XXXX and XXXX  XXXX/XXXX. Both accounts have been paid/settled in full and the credit bureau continues to report the accounts have not been paid. I have disputed both accounts on multiple occasions. Every time I dispute these accounts the credit bureau states they completed an investigation, but the accounts continue to report inaccurate information. Each time they " update '' something from the disputes ; something more inaccurate than what was previously reporting appears. Per the FCRA this should have been corrected within 30 days of the first dispute, but this is not the case. Please see the disputed dates below : XXXX/XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX With the last dispute, I provided letters from the collection companies that show the accounts have been settled in full ( see attached ). However, neither accounts ' payment status reflects this. Both accounts appear as though they are charged off and make no mention of the account balances being paid. 

The inaccurate reporting of these accounts is causing me great financial harm. I am unable to attain credit with a reasonable interest rate. In addition, this is preventing me from being able to take out a parent loan for my son to attend college in the fall and it is contributing to the prevention of me being able to get approved for a home loan. 

Something needs to be done to hold the bureaus accountable when they continuously report misinformation despite multiple disputes.

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 2017-11-22
Company: Stonebridge Lending Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I continuously receive junk mail from Stonebridge Lending Inc. in XXXX, CA in official envelopes. The envelope reads " URGENT DELIVERY DATED MATERIAL IMMEDIATE RESPONSE '' and that it is from the " Office of XXXX XXXX XXXX, Confidential Documents ''. That tells me it is important mail from the government, so when I open it up and see its nothing but ANOTHER VA refinance, then I am annoyed. I called the company and they wont return my calls. When I complained to another company, they told me to report them to the VA. The VA told me to submit a complaint here. You CAN NOT send people mail in envelopes addressed like this, I 'm pretty sure that is illegal. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: PNC Bank N.A.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
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:
One main financial obtained a copy of my credit report without my permission on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
am 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. Inquiries 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX Pursuant to section 605B of the Fair  Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

FAILURE TO DO SO WILL RESULT IN CIVIL ACTION. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

THIS IS MY THIRD AND FINAL REQUEST FOR YOU TO REMOVE ILLEGAL INQUIRIES FROM MY CREDIT FILE. VIOLATIONS OF THE FCRA ARE PUNISHABLE UNDER FEDERAL LAW. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 
Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

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 2018-12-15
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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 )  THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 )  KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX   XXXX INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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