BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing today in hopes to obtain your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) Between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

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 2021-02-22
Company: Experian Information Solutions Inc.
State: CA
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:
Respectfully, Experian, XXXX  and XXXX  hasn't deleted all the unauthorized hard pull inquiries on my credit report. 
I only authorize XXXX purchase in XXXX, California and XXXX XXXX  for apartment rental in California on XXXX XXXXhis two companies has written authorization in writing. 
I filed many disputes and complaints on unauthorize inquiries and requested evidence of my written authorization and all companies and Experian, XXXX and XXXX  wasn't able to provide me evidence or to Federal Government. 
So by Federal Law all unauthorize inquiries must be deleted from my credit file and data credit report. 
I am filing a Retaliation and Discrimination complaints with XXXX Department of Justice. I am respectfully Lifetime XXXX Citizen, Retired and a US XXXX XXXX Military Veteran. 
Experian, XXXX and XXXX needs to add on my credit report. 
My place of employment was XXXX XXXX XXXXXXXX .Retired on Lifetime XXXX on XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California.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 2021-01-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are also reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX. I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report 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 explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. The reporting of these accounts on my report are in direct violation of 15 USC 1681 ( 2 ) i which specifically states what should be excluded from consumer reporting. This is a federal offense and has serious ramifications if not corrected.

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 2018-02-06
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing in regards to Credit Collection Services Account # XXXX. 
After my conversation with them on XX/XX/2017 my account was settled for the amount of {$480.00}. During my conversation with the representative. I, requested for the file to be removed from my credit report. The representative at the time agreed that the debt would be removed 30 days after the payment was receipt. The agency never send me written confirmation of our phone call agreement nor contact me via any means to inform me that the account was reported to the credit Bureau. I had to contact the credit agency my self and request a copy of my credit report. Upon receiving my report, I noticed that the agency did not put a request to have the account removed from the credit file. I contacted them immediately and they completely denied that they agreed to have the account removed from the credit bureau file. I explained to them my circumstances that I am in which is unemployment and the sacrifice I made to pay this bill.They were unwilling to cooperate with me after they received the payment. Their answer was if you want us to remove this account from your credit file you, will need to pay additional money to our agency. At this point I believe that my rights as a consumer have been violated as I was given false or misleading information in regards to the way my account was suppose to be handled. I would like to have the support of this agency to assist me with the matter as I would like to have my credit file without this collection remark.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Continued reporting of this account is a violation of the HIPPA Privacy Rule. The XXXX XXXX XXXX has no business purpose to continue reporting my private health information. I tried contacting the XXXX XXXX XXXX to provide proof of their HIPPA clearance, the name of the bureau 's registered agent, and license information. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please remove this immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has become overly apparent, how poorly TransUnion is conducting any type of investigation at this point. I filed a fraud alert on my account in conjunction with the inquiries on my account. TransUnion still has failed to validate these inquiries under section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. You will not accept  XXXX  finds but yet have FAILED to provide adequate findings of your own. I have contacted the agencies who have accessed my report and they have no history of me, and as previously stated, I hold NO debt, mortgage nor account with the said agencies, THAT I PROVIDED YOU. You have NEGLECTED to contact these agencies for validation and yet continue to report false information on my report. Its evident it was lost in translation, because I did NOT receive per FCRA Section 611 any validation that I have requested on SEVERAL occasions. If you have followed protocol, and verified them, why has validation failed to be provided? FCRA 15 U.S.C 1681i states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me a copy of verifiable proof, than you must delete the inquiries from my credit report. I will continue filing disputes until you adequately conduct an investigation.

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 2021-01-28
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Got served papers of judgement against me for unpaid medical bill. Called the company/attorney office on XX/XX/XXXX and spoke with XXXX. XXXX informed me that my balance owed to them is {$8300.00} and I was required to pay them $ XXXX/month until debt is payed. Explained to him my circumstances & that I wouldnt be able to pay that much. XXXX then proceeded to tell me that if the $ XXXX/month wasnt made that within 90 days my debt will automatically fall into default. XXXX then proceeded to tell me that a lien will be placed on my home and my wages will be garnished. I offered and paid {$50.00} on above date but didnt seem good enough for XXXX. Even though I explained that was my grocery money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact XXXX for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on report )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, XXXX, XXXX ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Well this incident happened when i was XXXX years old and now Im XXXX. So I used to have Bank of America and I was handed a check to deposit not knowing that it was a fraudulent check so it actually allowed me to pull money out after the check was deposited not knowing that it will cause an overdraft on my account. So at the time I was in high school and I just couldnt afford to cover the cost of the overdraft which affected my credit since then there hasnt been one bank that will allow me to have a checking account with them so ledger save my life has been really difficult without a bank account so please help me what am I supposed to do in the situation. I was taking advantage of And obviously at XXXX years old I have no idea what credit was and how it works I didnt know if I have this effect on me in the future so please someone help 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 2020-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called me about an old debt that had been charged off. I do not know who this company is. I asked them to contact me by mail at the address on file, I asked for their fax number to send a cease and desist. She said they had no fax number, but gave me an address only. She did not admit that this was a debt collection, and when she did it was after I had got all my information, did she mention I was being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I paid off my balance of money owed of about {$77.00} in XXXX of XXXX and had not used the card since that date due to an Natural Emergency ( water damage to home ) that resulted in my becoming flooded everytime it rained and caused me to get into debt to get home repaired. This forced me to cut back on unnecessary expenses to pay off that debt, and I am at the present, at the half way point. Now I have shopped at Target  but just used cash and not credit to temporarily offset a monthly billing. But my problem is, that today XX/XX/XXXX, I received an alert form the credit bureau that my account 's credit line was reduced 50 % so I then called up customer service for Target  and inquired about the negative action that had been taken against me .They informed me that since the card was not used since XX/XX/XXXX, was the only reason for the negative action that they had taken against me, irregardless of my other emergency. I had no luck with trying to discuss the matter. This is not fair when I try so hard to be financially responsible and always pay my debts in a timely manner with no late payments or bankruptcies. If Target  does not restore my original credit line, I will be negatively impacted by all three credit bureaus by decreasing my credit scores!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: AES/PHEAA
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: Account status incorrect

Complaint:
PHEAA 's recent explanation to a closed complaint is extremely untruthful. I can show screenshots of the status of the Credit Report to substantiate my claims. PHEAA should be extremely careful when attempting to be overly confident with what it assumes is the truth. Basically, the information that they claim where they found nothing wrong with the Credit Reporting of at least 1 of the loans is without a doubt incredibly inaccurate. 

XXXX  is still investigating this also, which tells me that PHEAA was prematurely assuming it had done nothing wrong without properly investigating. CFPB, PHEAA is basically putting little effort into resolving the complaints that come through to your portal, and this is obviously due to PHEAA deflecting the point of the Credit Report Status of ANY LOAN by trying to point out that none of the other loans were reported past 30 days. PHEAA did not accurately report when the account was past due. Currently the account is NOT PAST DUE, and so it should reflect that on all Credit Reports. The person or persons who wrote that statement is lying about what the Credit Report indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Meridian Financial Services, Inc.
State: NC
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:
Meridian Financial has fraudulently reported a single collection account obtained from XXXX XXXX as three different accounts to both XXXX and XXXX. I have written to them several times to correct this error and received a statement confirming that this is indeed a single account but my demand for correction to the reporting has been ignored. Attached is my statement from XXXX XXXX confirming that this is, in fact, one single collection regarding a single XXXX XXXX account and not several.

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 2021-02-22
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclay Card posted a {$9.00} XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX I called XXXX and I do not owe them money. BarclayCardUS is accumulating late fees on this closed card which are appearing on my credit. 
I need these people to go away and stop harassing me! 

Posted a transaction dispute with BarclaycardUS XX/XX/XXXX and they ignore it and charge me late fees. 
This is not the first time I am having fradulant charfes on this card. Card was closed XX/XX/XXXX. 

XXXX refunded me {$140.00} on XX/XX/XXXX which never was credited to my card. 
I had numerous fradulant XXXX magazine subscriptions charged to this card which I rectified myself. 
In XXXX someone stole my reward points and after complaining they magically reappeared without explanation.

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 2021-02-24
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Basically, the debt has been paid and they can see that there was an error however the company is making me wait almost a month to clear the error. This is effecting my credit-worthiness for approval on related business.

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 2021-02-22
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:
Hi CFPB Team, I submitted disputed for a collections account that is inaccurately reporting on my Equifax, XXXXXXXX, and XXXX profiles. I am using this complaint center so that there are additional eyes on the process from the bureaus. It is my hope that my account is corrected as I am in the process of purchasing a new home and this is hindering my chances to qualify for a lower interest rate than the one I've received. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Flagstar Bank, N.A.
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: Account status incorrect

Complaint:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over 11,000.00 at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with FLAGSTAR BANK, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh. 

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, 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 2018-03-29
Company: SYNCHRONY FINANCIAL
State: KY
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:
I have already made a complaint with this company on XX/XX/2018 and they said they needed more proof of my identity which is bull since they had my name. They need to remove these hard inquiries off my credit reports because I never had a contract or gave authorization to my 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