BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have received yet another email from Experian regarding my Identity Theft Police Report. In addition to receiving letters from Experian claiming the report does not reference identity theft, and does not meet guidelines per the Federal Fair Credit Reporting Act, I receive Experian letters ( attached ) stating the following information is needed : All pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency. 

I have sent this information to Experian. I have sent it three times. I have used the postal service to send the information as well as directly uploading the documents to Experian. However, I receive the same response letter asking for the same information. 

I am attaching the Identity Theft Police Report within this complaint. Please note the Police Report is numbered at the bottom of the report as Page 1 of 4 through Page 4 of 4. I sent all four pages plus a letter from the assigned Detective, XXXX XXXX. In Detective XXXX first sentence, it reads, This report was filed the Fate DPS. So, I did send all pages of the identity theft report and the report was filed with a law enforcement agency. 

I have tried unsuccessfully to have Experian accept my Identity Theft Police Report. If you can, please let Experian know that my Police Report is not missing any information, and it is OK to accept the Report. 

Also, I have been unsuccessful in disputing the following Experian fraudulent accounts : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX If Experian accepts my Identity Theft police Report, I wish to have the above fraudulent accounts removed from my Experian 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 non-monetary relief
Consumer complaint received 2017-11-22
Company: STONEGATE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint # XXXX Questions : 1. When did XXXX XXXX first pull XXXX XXXX credit report? What was XXXX comments on her credit score? Did XXXX XXXX tell XXXX XXXX to inform XXXX that her credit is not good enough and there is a possibility that she might not get the interest rate she wants or worse she might not get a home loan? 
2. What was XXXX XXXX FICO score the first time XXXX XXXX ran her credit report? 
3. Did XXXX XXXX provide a copy of XXXX credit report to XXXX XXXX to give to XXXX? 
4. Did XXXX XXXX receive any relevant information regarding the townhouse in XXXX, California from XXXX XXXX? If so when? 
5. Did XXXX XXXX provide any loan and/or mortgage disclosures to XXXX XXXX to give to XXXX XXXX? If so, what are they? 
6. Can you ask Stonegate to get copies of XXXX and XXXX XXXX email communication relating to the home loan application of XXXX XXXX? 
7. Are there any disclosures that XXXX XXXX should have provided to my sister prior to writing the pre-approval letter? 
8. Can you ask Stonegate to provide a copy of their SOP in pre-approving a borrower in XX/XX/XXXX? 
9. Attached herewith is a copy of XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. Can you confirm from XXXX XXXX if he wrote the attached information, emailed it to XXXX XXXX and asked XXXX XXXX to discuss it with XXXX XXXX? 
10. XXXX XXXX convinced my other sister XXXX XXXX XXXX XXXX XXXX and her husband to apply for a home loan through with Stonegate Mortgage as well. XXXX XXXX and her husbands pre-approval letter is dated XX/XX/XXXX. XXXX XXXX and her husband submitted their financial documentation to Stonegate weeks after XXXX provided hers to XXXX XXXX. But XXXX pre-approval letter has a date of XX/XX/XXXX. Thats a week later than XXXX XXXX pre-approval letter. I also noticed that the font used in XXXX pre-approval is different from XXXX. This makes me suspect that XXXX XXXX forged XXXX pre-approva letter. XXXX told the truth when he spoke with XXXX XXXX around the last week of XX/XX/XXXX. XXXX said I never gave you a pre-approval letter. But he changed his statement after XXXX asked him for a written statement. Why is XXXX protecting XXXX XXXX? Did he receive money from XXXX XXXX? Did XXXX XXXX bribe XXXX? Did XXXX go along with XXXX XXXX dishonest plan because of fear that XXXX XXXX will not refer XXXX XXXX XXXX XXXX and her husband for a home loan application? 
11. XXXX XXXX told XXXX that her loan was not approved. Where is the letter from Stonegate dated XX/XX/XXXX that says XXXX credit is so poor that her loan was not approved?

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: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX/XXXX/XXXX I paid Citibank {$1100.00} on bill pay on accident. I used to have an active account with Citibank but the account has since been closed. I clicked the wrong payee on my XXXX XXXX bill pay and mistakenly send Citibank the payment. 

XXXX/XXXX/XXXX I realized I paid Citibank instead of XXXX XXXXXXXX XXXX. I called Citibank to ask for a refund. I called three times and each customer service agent said they would call me back to verify my identity. I got one call back from XXXX XXXX XXXX XXXX but it only rang twice and I didnt get to the phone in time. ( called and spoke for 16 minutes, 5 minutes, and 11 minutes ). 

XXXX/XXXX/XXXX I called Citibank to follow up and asked to spoke to a supervisor. They told me they have no way to verify me and I have no avenue to verify myself, as I dont have the phone number I had when my account was active. They only verify identity through a third party phone number resource. I offered to send a utility bill, drivers license, or social security card and the agent said that they will not use that to verify identity. Because I cant verify my identity, they will not refund my money. ( called and spoke for 7 minutes, 59 minutes ). 

XXXX/XXXX/XXXX I called XXXX XXXX and had them call Citibank with me on the line. Citibank said I cant verify my account without a phone number that checks out with them. They dont have enough information to verify my account and it will remain locked. Citibank gave XXXX XXXX agent the fax number XXXX XXXX XXXX XXXX to fax proof of payment, she said 5-7 business days to receive refund. Supervisor is XXXX : XXXX is her identification number. XXXX XXXX guy XXXX ID : XXXX. ( called and spoke for 75 minutes ). 
This did not result in my getting a refund. I continue to receive bill statements from Citibank showing a negative balance of {$1100.00}. 

XXXX/XXXX/XXXX I called XXXX XXXX to follow up. They offered to try to call the customer service again. I opted to call the number for Citibank corporate ( XXXX ) instead. I was re-routed to a call center outside XXXX, so I hung up. ( called and spoke for 1 minute )

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 2018-03-19
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debt was paid in full but is still being reported as a collection and a late payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: United Debt Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A companie called United debt holding call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of XXXX mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank, Care Credit Card, lowered my monetary limit on my care credit card. I understand the reasons, however I've always paid on this card and i've had it for almost 4 years, I think. By lowering the limit only made my balance of credit limit to what I owe on my balance higher and hurts my credit score which is what they used to determine this decision. This of course perpetuates the negative and unfair cycle. They do not take into consideration their customer 's loyalty, payment history, and other items like that to inform their decisions. I'm really dissapointed in this company for contributing to making life harder for those who apparently are trying hard to improve their situation.

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 2019-09-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Claim Number:XXXX File Date:XXXX Claim Type : Trip Cancellation/Interruption Claim Status : PEND Claim Details : Incident Information : Date of Cancellation/Interruption : XX/XX/2019 Country : USA State : NY Brief Description : My daughter XXXX XXXX was diagnosed with XXXX XXXX XXXX and was not able to go on the trip. The following charges should be reimbursed for her : Non refundable airline ticket from XXXX : {$510.00} Lodging : {$48.00} Tours : {$20.00} Total : {$580.00} Trip Details : Departure Date : XX/XX/2019 Return Date : XX/XX/2019 Claim Filed Against Carrier : Y Reimbursement From Carrier : Name of the Carrier : XXXX XXXX Amount From Carrier : {$510.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX 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 2017-11-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating

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 2019-09-27
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I sent the debt validation letter to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019. Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to LJ Ross Associate, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: ERC
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: Information belongs to someone else

Complaint:
I have on my credit file report the following account on debt collection- XXXX XXXX   XXXX Collection Agency- Original creditor- XXXX XXXX XXXX XXXX ENHANCED RECOVERY COMPANY- Collection Agency Original Creditor- XXXX XXXX  I have never requested service with those company. This is a fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
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:
I have accounts opened with 3 companies that I need to be verified. 

I have an account with XXXX XXXX showing that I owe the amount of {$750.00}. My credit report shows that I opened this account on XX/XX/XXXX. 

I have an account with XXXX XXXX that was assigned on XX/XX/XXXX from a cable/cellular company showing that I owe the amount of {$220.00}. 

I also have an account with XXXX, XXXX that was assigned on XX/XX/XXXX from a cable or cellular company showing that I owe the amount of {$1200.00}. 

I will need written contracts with my signature from these companies showing that I agreed to pay them these amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were covered under XXXX  XXXX student loan & forgiveness act due to XXXX  mid life XXXX   resulting in XXXX civil commitment orders & doctor removed from school order forgiveness & the school & lenders refused to apply loan forgiveness law to my accounts & then deliberately provided my information to 3rd party lenders I didn't provide my consent or authorization to do so resulting in a breach of my personal data exchanged & predatory discriminatory & selective denial enforcement of legislation student loan debt XXXX XXXX forgiveness reimbursement payment process denied for competitive advantage of 3rd party debt collector to make an unconstitutional profit from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NC
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:
My credit score has been lowered by Equifax and XXXX  approximately 20 pts on each in the last month. I have payed everything on time, have not opened/closed accounts, used less than 10 % of my limit and have not had inquires. I called both companies and payed for their reports. Everything looks correct on them, yet they do not tell me why my credit score has been lowered.

Company response to consumer: Closed with explanation