BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I took a personal loan through my local bank last month ( XXXX ) to pay off XXXX credit cards, XXXX being a bal of {$1000.00} on AT $ T Universal card ( Citi Bank ). My bank sent certified check to them, and I received a letter from Citi dated XXXX XXXX stating " The last payment received was {$1000.00} and was applied on XXXX XXXX '', but Citi has not credited my acct with that check, and is still showing the bal due and a payment due. I called 3 times last week, they said they would have to start investigation, and needed info from my bank on if/when that check was cashed/cleared. I called my bank, & that check was cleared prior to the letter Citi sent me, I returned calll to City with the info, & my bank will send or fax the info to them. I called Citi today, again, and was told the same thing ... they will have to start an inverstigation, they have no info on that payment, etc. Now, within a few days, I will have to make another payment to overpay the acct, or I will be in default which will affect my credit. I can not understand how they can tell me they have no info on this payment, made by my bank, of {$1000.00}, when I have a letter in my hand from Citi dated XXXX XXXX, stating that they received it and it was applied on XXXX XXXX! I do n't know how to get Citi bank to apply that payment to that XXXX XXXX XXXX credit card before I go into default, or at all!

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2019-04-11
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my XXXX  credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX and XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to XXXX. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company.

At this time I will also inform you that your office reporting invalidated information to to XXXX  constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-07-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX attempted to contact ARS . Asked me to provide DOB and I said I would not until I confirmed the debt and validity of the company that has been harassing me.

I asked these questions to confirm validity of ARS : Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors XXXX gave her name but then said she did not know why I was asking here these questions and hung up on me. 

Called back again same date. Said I would not share my DOB until I had my questions answered. XXXX hung up on 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 2018-04-08
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: Their investigation did not fix an error on your report

Complaint:
I have filed a complaint with CFPB and I believe it has been forwarded to Experian. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( Experian ), XXXX v XXXX and XXXX XXXX, XXXX that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Experian has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
I received a letter From Macys explaining my account was delinquent by three months. 
This is the first notice I had regarding the issue, no bill were sent to my email, and I was tild they tried to contact me by phone, they were using an old number that no longer was in sevice. I was charged several late fees, XXXX which was removed. I paid the balance due immediately to avoid any credit damage. I was told the account was paid in full at that time, they offered to connect me with another part of Macys to see about further reducing the late fee. When I talked to the next person I was told they would not reduce the fees and the account was paid in full ( XXXX ). I then received a bill beginning of XXXX stating I owed {$1.00} to the account, still not sure why but I paid it. My balance is still showing I owe {$2.00}. 
I recently had my credit run as was denied a loan based on the the information Macys is reporting. Three months delinquient on payment, all this over owing approximatetly {$160.00} and me paying as soon I was aware of the situation. I have a long credit history with Macys and my accounts have always been in good standing. This report has ruined my credit score and long standing good credit.. I would like a resolution, and have since closed the account with them. I will no longer shop or support their stores.

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 2023-04-26
Company: Home Point Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicer refused to remove PMI ( which is a violation of federal law ) after I provided verification of home value and loan being less than 80 % of that value. I provided comparables and justification and was willing to do an appraisal, but they would not do an appraisal because they say that there must be significant home improvements in order to justify the value. 

Such a rule from their " investor '' they say -- according to all that I have read online on federal code, there is no such justification for such rule, and that rule in this situation is causing the servicer to violate federal law. I plan to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX, XXXX, TRANSUNION ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE 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 non-monetary relief
Consumer complaint received 2015-05-22
Company: CITIBANK, N.A.
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I received a pre-paid debit card that was serviced by the Citi Pre Paid Program. Unfortunately, due to a financial hardship and in the midst of moving to a new house, I misplaced my card. When I recently found it, the card had expired. Citi refuses access to the funds or send me a new card because they say the card has expired. I do not think that is right or fair. I would be ok if they charge a monthly inactivity fee but at least return the remaining funds to a hard working individual consumer who lives from paycheck to paycheck. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2022-07-14
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Reporting company used your report improperly

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-01
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
After informing THE BUREAUS INC that they violated my rights by changing the comment on my credit bureau to say " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', they then requested proof of my claim. They ignored thier own comment they placed on my credit report, and ignored the screen shot of the comment i sent them of the offending comment. Rather than ceasing reporting, they sent me a 50 page binder, that did not have a single signature, or any information proving that I owed the debt. 

After receiving thier response, I attempted to call them 7 times to directly speak with them about their response, everytime I was connected to a line that said they were having technical difficulties, and then the line disconnected. 

The fcra gives me permission to speak directly to them reguarding the debt. Refusing to speak with me by transfering me to a line that disconnects is a violation of the fcra. 

Saying that they were sending the debt to an attorney, is a violation of the fair debt collection practices act. 

This will be my last attempt to resolve this issue with the company directly. If this item continues to show on my credit report after 30days I will be contacting the ftc to notify them of the violations. 

I've asked 5 times for a document with my signature on it verifying that I opened the account, and to prove it wasnt the result of identity theft. They have failed to provide it, despite having responded to 5 disputes requesting the info. The only thing they have sent me is a blank binder with no signatures any where on it, failing to prove that the debt was opened by me. 

They violated the fair debt collection practices act by saying that the debt was transferred to an attorney. 

They violated the fcra by not communicating with me reguarding the debt when I called them on 7 separate occasions.

Reporting of the item is a violation of my rights and must cease. 

Remove from all credit bureaus, and cease all debt collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with XXXX XXXX XXXX XXXX XXXX ) ( B ) of the Fair Credit Reporting Act. 

Pursuant to XXXX XXXX XXXX ( XXXX ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.

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 2021-12-08
Company: Experian Information Solutions Inc.
State: DE
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 and XXXX are actively reporting incorrect information. Both credit reporting bureaus are reporting that I was late on my XXXX payment for XXXX XXXX account # XXXX. The payment was due XX/XX/2021, And according to XXXX XXXX, they received payment on XX/XX/2021. I written and notified both bureaus multiple times. XXXX fixed the discrepancy and the again posted incorrect information the following week without notice. Experian is complete refusing to investigate and said that as long Credit acceptance verify incorrect information, they will report incorrect information as such. 

XXXX XXXX XXXX acknowledges incorrect information their reporting and continue to verify incorrect late payment. They confirm that they received legitimate dispute for late payment and continue to report i was late. 

According to FRCA federal law, a account can NOT be reported as late until it is 6 days past due. 

I was only 6 days past due according to XXXX XXXX XXXX. Billing statement.

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 2023-11-28
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In reference to my previous complaint id # XXXX, I was told that I could go to uXXXX XXXX XXXX and request my funds be released from XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I did this on TXXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX was out of office so I provide verification in the form of my IRS tax account transcripts for XXXX and XXXX tax years which were both filed in XXXX. I provided these through email to XXXX XXXX. I was told I would get a call on FXXXX XXXXXX/XX/XXXX. I never got a call so I went to XXXX XXXX XXXX for info. Branch manager XXXX XXXX was there told me she had reviewed my verification and it looked good but she has to send to XXXX other person who currently wasn't in office and that I would hear from XXXX by end of day on mon XX/XX/XXXX. That never happened. Another concern I have is since my account was closed on XX/XX/XXXX and {$8100.00} was put into a us XXXX XXXX  account where it has been since. That 48 days. If you look at XXXX XXXX XXXX XXXX XXXX XXXX it is a violation of federal banking regulations to hold someone's funds beyond 43 days. I was never told or asked for verification until I filed my complaint with cfpb an even though I have provided rock sold proof from Internal Revenue Service that checks are legitimate and legitimately mine, I can't get a call back or my funds released. I can provide all documentation upon request.

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