BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: CITIBANK, N.A.
State: MA
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:
In my first complaint I asked citi bank to delete an inquiry that its on my credit report placed by them, they replied by telling me that they werent going to delete the inquiry because my information matches with what they have. I told them that I never allowed citi bank to do a hard pull on my credit report and that I need them to provide me with the permisible purpose, I want citi bank to prove to me that I initiated this application like they are claiming because they do not have my authorization to do so, citi bank doesnt have permisible purpose and according to what the law says and what the FCRA says permisible purpose is required. Citi bank and any other bank have to go by what the FCRA says, they told me on their correspondence that they feel that the application was initiated by me, I want citi bank to prove to me that it was me and not someone else, I will file complaints on every single place that I can if this inquiry is not deleted because this is erroneous reporting and I am 100 % certain that I never initiated an application with citi bank. This is not like what citi bank says, this goes the way that the FCRA says.

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 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion continue to report data in my report from XXXX XXXX XXXX ( a collection agency ) which has been proven to be erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2019 {$200.00} for joining chase bank checking and setting up direct deposit. I set up direct deposit. Got my first deposit XX/XX/XXXX. 10 days later I received nothing. I called the bank and they said I needed a coupon code ( I didn't need one because I applied through the link that automatically applies it. ) I showed them the code and than they said I was not eligible because it wasnt soon enough. It cant be over 90 days well I set up mine within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
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: Investigation took more than 30 days

Complaint:
I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and Transunion requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents

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 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Creditor : Capital One Bank Denied line of credit increase to account holder based on information reported and/or obtained by credit bureau reporting agencies. The information reported has caused an adverse action against me and I have not been provided the identifying agency information of the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with XXXX and Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DEPT OF ED/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 2019-07-26
Company: Experian Information Solutions Inc.
State: NV
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 not the person responsible for the charges made on the accounts. Experian put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters regarding validation of negative information my credit report. 

XXXX XX/XX/XXXX Dismissed BankruptcyChapterXXXX XXXX XX/XX/XXXX Dismissed BankruptcyChapterXXXX XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX XXXX XXXX XXXX I ask to get verification of the items however after 3 attempts transunion has failed to respond to my additional request for documentation and wrote me a letter and told me they will not reinvestigate although I ask for validity of the information that was being listed because i share the same name as my father who lived with me in the past and I have also been a victim of identity theft in past

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 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans union has not removed negative information about my bankruptcy. I 've contacted transunion on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home 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 2019-07-26
Company: EQUIFAX, INC.
State: NV
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:
Remove the accounts which are duplicate entry on my Equifax credit report XXXX XXXX, XXXX XXXX.. If this account is a collection - no late payments and no past due amount, a collection is by default late, by default past due! This is absolutely ridiculous..I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted a loan modification application on XX/XX/2017. The lender said they refuse to open it for review because the file is incomplete and its within 37 days of the scheduled foreclosure sale date. However according to recent changes in in foreclosure & bankruptcy servicing a servicer is required to perform an expedited review if the application is submitted within 37 to 15 days of a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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: Their investigation did not fix an error on your report

Complaint:
Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, They called me about the debt and I told them I paid it. They said I did not, I asked for a copy of the debt both verbally and followed up in writing. They did not get back to me for a while. Finally they sent me a collection letter. I requested in writing that I be sent a copy of the bill and proof o non-payment. They sent me the bill, but not the proof of non-payment. I made another request for a copy of the non-payment ( i had paid the debt, and they said it was applied to another month ). They never answered the last letter and reported me to the credit agencies. I have proof I paid the bill, which I attached. I closed the XXXX account the same day I opened the XXXX  account. As you can see I paid my first bill with XXXX and my last bill with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home DEPTEDXXXX   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 2017-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and 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 2022-01-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I XXXX : XXXX sent Wells Fargo via Certified Mail # XXXX the following attached documents which include a Affidavit of Truth, a Cease and Desist Letter, and a Bill of Particulars. Specifically the documents were address to the CEO of the company. Wells Fargo is still currently reporting to all three bureaus, even though the cease and desist notice clearly states that I require them to remove all information from XXXX, XXXX, and XXXX. This is a clear violation to my Consumer Rights and I also notified them of my rescission of signature. This is causing me a lot of mental anguish and is causing XXXX  to my reputation due it lowering my credit score. This has me frustrated to no end and would like a resolution to this as soon as possible. Please see attached documents, this is harming me to a unbearable extent.

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 2018-01-11
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We recently applied to an apartment and got denied stating that I have a landlord debt case or something in XXXX XXXX under Hunter Warfield colletion agency.I searched through public record and I have an open case to an apartment in which I have never ever lived before. Since a XXXX account was opened on that address with my my name. My girlfriend and I paid all that debt in XXXX ( about {$600.00}! ) to have power back on in our own apartment! But now I am got denied to an apartment I applied to because of this?! What can I do to get out of the situation? We are never going to be accepted to any apartment with this. It is an automatic rejection. And we cant get our administration fee and application fee back that is {$340.00}! The fees I pay for this is racking up. I have all the documents needed and I sent it to all parties needed. Please review and I asked them for a proof to show that this has been an error. The apartment I applied to is waiting. I hope you could help me out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
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: Their investigation did not fix an error on your report

Complaint:
Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax, XXXX and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchant 's Credit Guide is reporting 2 medical debts on my credit report ; one for {$66.00} and one for {$230.00}, totaling {$290.00}. I mailed a letter to them on XX/XX/XXXX, requesting proper validation of these accounts including an accurate accounting of the exact amounts they 're saying I owe and proof of Merchant 's Credit Guide 's surety bond for the state of Texas. 

I received a reply letter from Merchants ', dated XX/XX/XXXX with an amount of {$66.00}, confirming they received my validation request letter and that they will reply with documentation, if they obtain it. 

On XX/XX/XXXX, I received a reply from Merchants ' ( postmarked XX/XX/XXXX ) stating that the enclosed documents are the verification documents that I requested. The enclosed documents included a print out with various amounts totaling {$530.00} and a letter from Merchants ' listing an amount of {$320.00}. None of the other documents I requested were included in this correspondence, including proof of a Texas surety bond required for debt collection in Texas. 

My reasons for this complaint include : 1. What amount is Merchant 's Credit Guide saying that I owe them? 
2. Where is the proper validation reflecting the correct amount?
2. Is Merchants ' Credit Guide allowed to collect debts in the state of Texas?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-26
Company: EQUIFAX, 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:
Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open ''. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father and aunt had a joint account with Santander Bank that funded a safety deposit box. Both of the people have since passed and I returned the safety deposit box keys.i have also written Santander multiple letters stating the box was closed, the keys were returned and both of the people on the account are dead. not only are they still trying to collect, but they are no billing me for XX/XX/XXXX until XX/XX/XXXX!!! They will NOT STOP trying to bill me for something I rectified and communicated to them YEARS AGO! they are trying to assess a late fee on me too. if they stopped ignoring my letters this would have been done away with two ( 2 ) years ago when I closed the account! I feel harrassed since they ignore my letters and are now trying to charge me with late fees and now billing me for another year when they XXXX well know BOTH ACCOUNT HOLDERS ARE XXXX! XXXX for 7 years and XXXX for 3 years! Come on!!!

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