BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: CITIBANK, N.A.
State: PR
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:
COMPLAINT FOR : Citibank Na, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX An inquiry has been made at a Sears store in the town of XXXX, Puerto Rico without prior authorization. We had seen a sign informing us that we could take articles " without credit inquiry '' because Im interest in " leasing ''. The employee took the data and strategically inquired using the social security numbers of my wife and me. That is against the law and it has been reviewed in XXXX XXXX credit reports. We ordered the elimination of this inquiry as we understand there was " trickery and deception '' of the Sears employee who attended us, we await your prompt attention. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details Sears/CBNA Inquiry from  XXXX XXXX, XXXX - Complete Dept. Stores This inquiry could stay on your report until XX/XX/XXXX. See an error? Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Puerto Rico XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details Sears/CBNA Inquiry from XXXX XXXX, XXXX - Complete Dept. Stores This inquiry could stay on your report until XX/XX/XXXX. See an error? Find out how to dispute a hard inquiry XXXXnstitution Information No contact information has been reported by this creditor. ** In addition, there are no important data such as address, telephone, institution information, data that are extremely important in these inquiries. 
This is the second advice.

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 2018-01-26
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I was contacted by a company called XXXX XXXX regarding a bill in a name that was similar to my own and used by a previous tenant of mine who misread the spelling of my name. I promptly contacted their fraud department and informed them as well as the name of the tenant who apparently previously had an account with this company. 

XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this alleged debt. On XX/XX/XXXX they were notified that this debt is not mine and requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. This was sent via certified letter return receipt requested and signed for XX/XX/XXXX by " XXXX XXXX ''. 

XX/XX/XXXX I was again contacted by XXXX XXXX XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was contacted by XXXX regarding this alleged debt. XX/XX/XXXX I forwarded the previous letters to XXXX, they were also notified that this debt is not mine and I again requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. 

XX/XX/XXXX I was again contacted by XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was again contacted by XXXX in response to my dispute and was only supplied with a printed copy of a single XXXX XXXX bill but no supporting documentation requested that would validate the alleged debt. 

I have gone above and beyond communicating relating to this in an attempt to address the issue in accordance with the law and all parties involved have failed to comply with the FDCPA which is there to protect people from predatory collection practices like these. 

All supporting documentation will be provided via 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
Consumer complaint received 2020-10-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX is still letting XXXX XXXX XXXX XXXX on my Credit Report I want it Removed I worked for them over 15 Years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A service charge in the amount of {$20.00} was deducted from my checking account on XX/XX/XXXX. I have had a banking relationship with Citizens Bank since XX/XX/XXXX, and I have not previously been charged a similar fee. The charge appeared simply with the description of service charge and I had no idea what it was. 

On XX/XX/XXXX, I noticed this {$20.00} service charge and sent electronic correspondence through Citizens Banks online banking platform questioning the charge. In my correspondence, I requested that the purpose of the charge be explained. I also requested that, if the amount was charged in error, to reimburse the {$20.00} to my account. 

Five days went by without any response from Citizens Bank. On XX/XX/XXXX, I sent another message through Citizens Banks online banking platform asking when I could expect to receive a response. 

On XX/XX/XXXX, I received a response from Citizens Bank representative XXXX XXXX The representatives message was a form letter, but the message advised that by maintaining a monthly combined balance of only {$20000.00} in all your linked Citizens Bank accounts you can waive the monthly maintenance charge on your Circle Checking account. The representatives message offered no redress to my specific complaint, nor did the message provide any explanation as to why the charge was being imposed for the first time ( after many years of owning this account ). 

This appears to be a new interpretation by Citizens Bank. Again, I have had this account for many years and have never been charged a similar fee. I have no record of ever consenting to maintain a {$20000.00} minimum account balance. My Circle Gold Checking account was opened many years ago, and based on the fact that it is no longer referenced on the Citizens Bank website, it appears to be a legacy account type ( i.e. only " Circle Platinum '' accounts seem to be referenced now ). As  such, it is clear that Citizens Bank now intends to charge me a monthly fee of {$20.00} unless I fund this account with a minimum balance of {$20000.00}. I do not consent to this, and I find the unilateral imposition of this pricing to be deceptive on the part of Citizens Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 explanation
Consumer complaint received 2018-06-06
Company: Suburban Credit Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a debt collection letter from Suburban Credit Corporation, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 
The Letter stated that I owed {$81.00} for a Year XXXX debt associated with XXXX XXXX XXXX. I'm assuming that this Center is in XXXX. I lived in XXXX  until XX/XX/XXXX. However, I never received notice of this debt in XX/XX/XXXX nor XX/XX/XXXX when I moved from XXXX back to XXXX. I never received notice of this debt while living in XXXX after moving from XXXX. 

I wrote two Letters one dated XX/XX/XXXX and the other dated XX/XX/XXXX in response to the debt collection letter. I essentially stated that I was never aware of this debt and that the stature of limitations had expired for collection of this debt. 

I have not received any correspondence back from Suburban Credit in reply to my letters, to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filled a dispute with XXXX in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear Experian, There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, 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
Consumer complaint received 2021-04-13
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:
Customer service would not help and take care of the negative inquiries reporting to my credit report - 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 explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Transcontinental Credit & Collection Corp
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a bill from XXXX XXXX dated XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX trying to resolve this matter, he offered a settlement in the amount of {$380.00} from the original balance of {$480.00}, I advised XXXX XXXX from XXXX XXXX that I was in contact with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX who should have received my application regarding this bill back in XXXX, I went to XXXX XXXX hospital directly today and drop off my application regarding this account for their financial assistance and XXXX XXXX still insisted me paying the {$380.00} discount price and he ignored the fact that XXXX accepted my financial assistance application and threaten to keep my account in collections instead of reaching out to XXXX to verify the information regarding my account. XXXX XXXX would have not taking my applications if they were not will to work with me regarding this. XXXX XXXX was so insisted on me paying {$380.00} instead of contacting XXXX XXXX. XXXX XXXX billing department put a note on my account stating I dropped off all the necessary paperwork regarding my account so the can see if I qualify for assistance, if not I will make payment arrangements with XXXX where the bill is from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home on XX/XX/XXXX and was told I would receive a XXXX escrow refund. The first check was supposedly mailed out on XX/XX/XXXX to the wrong address which I dont believe because I got correspondence from them about my account to my new address.I have been calling them since XX/XX/XXXXXXXXBank of america has told me on numerous occasions that they sent the check out to me.I have called them at least ten times and everytime I get a different story the first check was lost they escalated my case the check was reprocessed I was told they would sent the check out via overnight mail on XX/XX/XXXX and they would call me back I never got a call or a check, and I am still waiting as of 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 monetary relief
Consumer complaint received 2019-10-28
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of this year, I closed on a mortgage for my home in Arkansas with XXXX XXXX XXXX. Shortly after the closing the mortgage was sold to AmeriHome Mortgage. I wanted to set the payment up via ACH in XXXX and was directed to their website. I completed the ACH forms and was led to believe that everything was in good order. In XXXX, I received a letter from AmeriHome that the ACH was not processed. I immediately sent in a payment via check for two months. Next, I called in immediately to get the ACH activated. I was not told why the initial ACH did not get processed and they directed me to the website again. Again, the ACH was not processed and I had to send in a check for a two month payment. During this time, AmeriHome reported to the credit bureau 's that I was late on two payments. I called in again to AmeriHome to get some answers and was told that they would submit a request to review my account. Finally, AmeriHome processed the first ACH on XX/XX/2019. I did not receive any explanation of why the ACH was not processed initially. Consequently, I have been charged with numerous late fees and my credit rating has been negatively impacted. I wrote two letters to AmeriHome in  XXXX and XXXX to review my account and report to the credit bureau 's that this was their processing error. Both times, I received a form letter stating that they " determined the information reported was accurate. '' I believe that AmeriHome is not taking responsibility for their processing error and this has negatively impacted my life. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Applied Data Finance, LLC
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:
I am a victim of identity theft. Personify Financial is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by Personify Financial that rebuts my position. 
While the burden of proof lies with Personify Financial, I am willing to pay any amount owed plus 75 % interest upon Personify Financial presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a Problem with how my Mother 's Death is Being used for Profit. In XX/XX/XXXX my Mother Passed away and I was on Her Mortgage as a Co borrower.At That time XXXX had the Loan. I Submitted my Mother 's Death Certificate but my name is not on her death certificate as power of Attorney.So The Loan Was sold To Penny Mac Loan services and was done as a way to profit off my Mother 's Death.Penny Mac Got the Loan in the about XX/XX/XXXX.Heres were the situation went totally wrong, Once the death certificate got to Penny Mac They should have went at the Power of Attorney for the Pay off of the loan.Instead they came after me and clearly came with the intent to scam me out of my mother 's home. In XX/XX/XXXX the Home went into foreclosure and the Power of Attorney wasn't held accountable for the funds to pay off the home. I was held accountable, but I wasn't the power of attorney over my Mother 's Estate.I was continually harassed for 5 year 's by Penny Mac unfair business practices.On XX/XX/XXXX, Penny Mac Sold the Loan to XXXX XXXX XXXX once they figured that they over looked the name of the power of attorney on my mother 's death certificate.Now XXXX is trying to continue this illegal game of Death. I am not the power of attorney of my mother 's estate. My Mother was the primary holder of the Loan and I was a Co borrower.The Power of Attorney on my mother 's death certificate should be held responsible for any dealings with these mortgage companies.Once the company 's realize they made a horrible mistake by how I was and am being treated, what will be done. Both companies should have my mother 's death certificate so they should have to produce it with a explanation of this Illegal Practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 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