BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Credit card issued by Citi Bank ( last 4 digits are XXXX ) Since XX/XX/XXXX, I've been using Citi Mastercard, and I never had a single late payment, consistently paid the balance in full at the end of every statement. 

All of a sudden on XX/XX/XXXX, the account was closed for no reason. When I contacted the Citi card customer service ( XXXX ), I was told reason could not be given, as I had to wait until I receive the letter in mail. 

I received the letter on XX/XX/XXXX, and called the customer service again. Spoke with XXXX, who could not provide me any reasons. Escalated the call to her supervisor XXXX XXXX Team # XXXX ), and she could not provide me any reasons on why the account was closed ... she thought it could be due to my credit report, and I told her about my excellent credit history ( and I've never had any late payment in the last 15+ years with any other credit card ). 

Unfortunately when Citi closed my credit card, the account has a cash rewards of {$2500.00}. I was told by Citi customer rep, since the account was close, that I would not be able to get the cash rewards that were accumulated in my account. 

I'm requesting CFPB to investigate my issue, and request Citi to issue my cash rewards that were due to 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 2021-04-13
Company: Mortgage Research Center, LLC
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:
inquiry populated XXXX, did not self inquire nor do i meet the criteria ( veteran ) to have even applied.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
For months now I have been trying to get XXXX to remove and acknowledge their derogatory comments on my credit file. XXXX wants consumers in debt. Prior to my paying off my auto loan and paying down my credit cards these comments were never displayed on my file. " All of a sudden '' as I have paid off nearly all debt, my score has dropped from XXXX with debt to XXXX with no debt. XXXX continues to ignore my request to justify why they are reporting such things. They also fail to amend my old statement add my new consumer statement to my file as requested. Balances on my file are also incorrect but my statement needs to be added seeing XXXX fails to explain their reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a mortgage with XXXX XXXX Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given 18 months of grace. In XXXX of XXXX, I applied for a loan modification as one of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due. 
They started the paperwork and told me I would have a new mortgage payment deal set up in 2-4 weeks. 
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another 2 weeks. 
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail. 
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case. 
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case. 
XX/XX/XXXX, I asked again for a response and was told that my case was still under review. 
Today ( XX/XX/XXXX ) I learned that I have been reported as being 180 days late on my payments! 
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!

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 2020-04-25
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX contacted me after I went online to apply for a loan in connection with the impending Coronavirus Outbreak by shoring up my most high payment creditors, along with insuring more funds were available for the increased cost of consumer items as usually happens in situations like this, and to which the state government does little about. I was able to have my car loan payment to be put on the back in of the loan which I wasn't sure was going to happen. 
XXXX somehow got a whole of my old checking account at XXXX XXXX XXXX, and in doing so was unable unbeknown to me at the time, to withdraw a due payment on XX/XX/2020 as I took this loan out early XXXX. I never did get a loan account number until recently when I accidentally stumbled over it nor have I ever receive a copy of the loan contract. The company is based on a XXXX reservation, not subject to state laws regarding Pay Day Lending companies. They are outlawed here in North Carolina. XXXX has harrassed me on several occasions concerning their apparently inability to draft funds from my account. I have repeatedly told them and sent by email, certified mail, and fax the correct account info, and they will not accept my explanation or documentation nor query the employee who signed for the certified mail on XX/XX/2020 with the correct info, and again on XX/XX/2020 I sent them their payment with a XXXX money order sent CERTIFIED PRIORITY MAIL along with yet again correct banking info at a cost of {$15.00}. Today on XX/XX/2020 after them calling me again requesting payment and saying I was in default, I am mailing them my most recent bank statement by regular mail. I have tried to work with them as best I can, now its ' getting to be harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
while reviewing my credit report I became aware of collection accounts from Choice Recovery. I have written to this company to validate these alleged debts as well as their authorization to collect on said debts. and have received nothing. I believe my HIPPA rights have been violated as I have given NO ENTITY permission to share my personal medical information with ANY third party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2017-12-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and 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 2019-05-11
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: Account information incorrect

Complaint:
XXXX, an online retailer, has me opening a XXXX Credit Card XX/XX/XXXX and closed XX/XX/XXXX. They also have an account with my name on it XX/XX/XXXX and closed XX/XX/XXXX. I have never charged on this account as I have never had a card. I have called the company to have them delete a wrong account a few times and they said they would, but they have'nt I've called their home office XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX is XXXX. I also want to know why my scores are different from each report. I call and no one can tell me why my points dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I obtained a loan in XXXX of 2016 from Rapid Auto Loans in XXXX, FL. I ultimately defaulted on the loan and attempted to contact this vendor. I was called multiple times by XXXX XXXX XXXX and had attempted to settle this loan. Due to the convoluted process in paying this loan off, I was unable to complete this task. twice, I called them in an attempt to pay the settlement offer. I went to register my vehicle and there was a registration stop on my vehicle. I contacted XXXX XXXX XXXX who after multiple calls in the same day, were able to guide me through the process of paying the settlement. I had asked that now the account had been settled to release the registration stop on my vehicle. XXXX advised me that they did not put the registration stop on my vehicle and that I would have to speak with Rapid Auto Loans. I called Rapid Auto Loans and they advised me that they did not have my file. I called XXXX XXXX XXXX and they advised me that it will take up to 10 days to transfer my file back to Rapid Auto Loans. Once Rapid Auto Loans receives my file, the will begin the process of closing the account. They advised me that this can take up to 21 days. Even though this account has been paid, my wife can not drive her vehicle as the registration on her vehicle is expired and we can not renew until they stop the registration hold. This company is infamous on dragging their feet to do anything and I feel like we are being held hostage after paying this off due to a legal loophole that does not cover the consumer with regards to legal issues not needing to be handled on a more immediate basis. Now, my wife has no ability to pick up our children from school when needed which is almost daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020 XXXX CARD XX/XX/2020 XXXX CARD XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SERVICEMAC, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer : ( ServiceMac ) PMI removal request ( {$130.00} ) was sent by email to my mortgage servicer ( myservicemac.com ) on XX/XX/2022, I asked about the processing time and was informed it'll take up to15 days... but it's almost 2 months now.. 
everytime I've called the company to ask about the delay, the answer was ( someone will call you tomorrow ) but they never did, emailed several times to complain and they don't reply to emails ( only automated replys ). 

And after so many calls and complains the BPO was done on XX/XX/2022 and the appraiser told me that the company should contact me regarding the appraisal in 3-5 days but 12 days passed now and everytime I call the answer is ( We'll call you tomorrow ) which is not happening.

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 2017-12-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX the trading platform for Virtual Currency owned by Coinbase is a scam. If you look at the candlestick graph for each individual coin you will see they follow the exact same path. This is because Coinbase is allowing " price fixing '' by a robot across all of their virtual currencies or running the " price fixing '' bot themselves. I have complained several times and it is quite obvious it is being done. In a fair and balanced market there is no way all the stocks will follow the same trading pattern on the same exchange. It 's a scam and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Collection Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2015 Collection Resources, INC. placed an account for the amount of {$410.00} on my credit report in violation of the Fair Credit Reporting Act. Collection Resources, INC. failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Collection Resources, INC. is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Statebridge Company
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
For approximately the past two years I have repeatedly received maik from a company named Statebridge, which I believe is a collection agency. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon receiving early communications from this company, in XXXX or XXXX, I was informed they were attempting to collect a debt stemming from a second mortgage. That debt was approximately {$50000.00}. I informed them that the debt was dismissed in Federal Bankruptcy Court proceedings finalized in XXXX of XXXX. 

Recently I received a written communication from a XXXX XXXX XXXX regarding the same debt, which was now listed at approximately {$70000.00}. That law firm XXXX XXXX and XXXX allowed me a specific time frame to notify them if I agreed with the debt or not. Their business address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded within the allowed time frame to inform them I did not agree with the debt. 

I have provided both companies with the attorneys name, address, and phone number who represented me during the filing of my bankruptcy. Recently, XX/XX/XXXX, I contacted that attorney, whose name is XXXX XXXX and informed her of what had been transpiring regarding my former second mortgage. She instructed me to inform any party attempting to collect the debt that they are to cease and desist due to the debt being dismissed in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these frivolous collections attempts and harassing comminications to stop indefinitely. I have done my part to provide them with the necessary information required but they seem to ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, Method of Verification, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within 30 days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) 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 non-monetary relief
Consumer complaint received 2021-11-07
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
My identity was stolen and used on AFFIRM INC. 
I have filed a police report and FTC complaint and they refuse to remove these fraudulent items from my credit report. 

ACCOUNTS REPORTING TO XXXX : XXXX XXXX  XXXX XXXX THEY MUST BE REMOVED AND VOIDED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
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: Information belongs to someone else

Complaint:
On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law

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