BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I have been seeking help for loss mitigation from Flagstar bank since XX/XX/XXXX( when my husband moved out ) I spoke with an agent there and they told me since my husbands name was on the loan that he would have to fill out papers with me or have my divorce decree that states me awarded the marital home XXXX XXXX XXXX XXXX, MI XXXX. My divorce was final XX/XX/XXXX. I was awarded the home and filled out another application and faxed it XX/XX/XXXX for loss mitigation at Flagstar Bank. I called mid XXXX to check on the status and they told me they never received it. I then re-submitted the application via uploading it to their website on XX/XX/XXXX Since my loan was a FHA loan I then contacted HUD agent XXXX XXXX who then became in contact with someone at Flagstars loss mitigation center. Tuesday,XX/XX/XXXXXXXX contacted me via email stating Flagstar had once again not received my new application. She then sent me another email stating she spoke with someone at Flagstar and to send them the missing documents ( XXXX XXXX award letter and Divorce decree page 10 ) by Thursday XX/XX/XXXXit would give them time to review my case. On WedXX/XX/XXXX I uploaded the XXXX XXXX award letter as well as page 10 of my divorce decree via flagstars website ( I have attached the proof of me uploading these documents ). Late XXXX I called Flagstar and they 1told me it was too close to the for sale date to review my application. Yesterday XX/XX/XXXX I called to request a log sheet of when I have called and they told me I have to have a court order to do that. So I am coming to you for help. I purchased the home for {$82000.00} and they are selling it sheriff sale for {$45000.00}. I dont understand why they cant help me reinstate my mortgage that is currently at {$78000.00} but can sell it under me for {$45000.00}. Any help is greatly appreciated. 
Thank you for any help resolving my issue, 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 2018-01-18
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account has been re-aged. It was originally supposed to be removed XXXX XXXX now it is reporting XXXX XXXX removal.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-01-18
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
American Coradius International has been calling family members and harassing them about a " XXXX '' credit debit they say I owe. I do n't have a XXXX account, I 've never had a XXXX account and I 've never had XXXX credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach XXXX to this complaint to inform them of the complaint. 

American Coradius International is not to contact me by phone again or make any attempts to reach me by phone again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a CitiBank checking and savings account via a direct link from their website for a promotion that provided {$400.00} for depositing {$15000.00} across checking+savings and leaving this deposited for two months. I deposited the required funding on XX/XX/XXXX, {$5000.00} to checking and {$10000.00} to savings, for a total of {$15000.00}. These funds were left alone for over two months. 

Prior to relocating any funds, I called CitiBank customer service to confirm that I had met the promotional requirements of the sign-up bonus. CitiBank customer service confirmed on XX/XX/XXXX that I had met the promotional requirements on XX/XX/XXXX by leaving {$15000.00} deposited for 2 months and would receive my promotional deposit soon. The customer service agent confirmed that withdrawing below {$15000.00} would not affect my {$400.00} bonus, although I would have an account fee if I withdrew below {$10000.00} due to account type. After confirming this with CitiBank customer service, I used funds to make purchases, but still left an excess of the required {$10000.00} to avoid account maintenance fees. 

Today on XX/XX/XXXX, I called to check on my promotional deposit, as it has been over two months. I spoke with 3 different representatives, waiting on hold for over an hour, and got three different answers. One representative from CitiBank now claims that I opened the " wrong '' account, and that this promotional bonus never applied to my account, despite the fact that I applied directly through the CitiBank website, and I had previously confirmed with CitiBank representatives that my account qualified. The CitiBank representative refused to correct the issue, escalate to superior, or file an internal memo. 

I would like to receive the {$400.00} promotional signup bonus as per the terms of the initial agreement that was completed on XX/XX/XXXX and that was confirmed by CitiBank on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2017-11-29
Company: Exeter Finance Corp.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The inquiries, which appears on my credit report from Exeter Finance datedXX/XX/XXXX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Lloyd & McDaniel, PLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, XXXX XXXX, XXXX actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  XXXX   on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: MI
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/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the EXPERIAN on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

EXPERIAN has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date EXPERIAN has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, EXPERIAN continues to knowingly publish false information about me for others to view. 
I know Im just a little guy. What can I do to get this large company to follow the 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 explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2022-08-13
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: Was not notified of investigation status or results

Complaint:
I have repeatedly requested verification and validation of an entry on my credit report from the reporting agencies and the collection agency. I have sent multiple letters regarding XXXX XXXX XXXX whom harassed me by telephone multiple times but refused to send me a validation or verification of the alleged debt.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 has been stolen. While I was trying to purchase my first home through a first tie homeowners program I was told when they pulled credit that there was no way I could become a homeowner with all the derogatory items on my accounts please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2018-01-18
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: Account information incorrect

Complaint:
Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.

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 2022-08-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have repeatedly requested verification and validation of an entry on my credit report from the reporting agencies and the collection agency. I have sent multiple letters regarding XXXX XXXX XXXX whom harassed me by telephone multiple times but refused to send me a validation or verification of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-07-17
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My company had a glitch with direct deposit, so I was issued a paper check. I have deposited several paper checks from this exact same payer before, the funds were all made available to me the next day. I deposited my paycheck, dated XX/XX/19 in the amount of {$2600.00} via mobile deposit. I was informed by the app that my funds would be available next day, as usual. I then received a message from the bank, informing me that my check would be held for 5 days ... no explanation why. I called Simple bank customer support and they were unable to help me, they were unable to stop the deposit process, deny the deposit, close the acount, anything. Every option they gave me involved waiting several days for processing. Both associates were cold, unhelpful and aloof. I asked to speak to someone with the ability to override this and stop my deposit, so that I could make alternate arrangements with my money. They don't allow their leadership to speak to customers and they give their associates incredibly limited abilities and resources to solve problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is with Sears Master Card XXXX XXXX XXXX, XXXX XXXX, SD XXXX.They changed the limit of {$250.00}. The XX/XX/XXXX statement came with a balance of XXXX. I called and they said the limit went up to {$350.00}. I contacted them but they still said I am responsible because the computer does this automatically. I did not receive that letter until after the fact ( I am have my mail monitored by the USPS because we have not been receiving our mail ). I called to stop the charges immediately and I paid the {$250.00} I agreed upon initially but said I will pursue this further. Then I received another bill on the XX/XX/XXXX for {$460.00} which did not reflect the {$250.00}. The next statement for was XX/XX/XXXX was for {$260.00}. I explained to many representatives and the Acceleration Dept. that I am XXXX XXXX XXXX, on Social Security and working part time. The charges went for resumes for work and the fees for resumes are flexible which drove the bill past {$250.00} which I thought was the limit. I challenge anyone to tell me that they read every long microscopic detail of the credit card company 's explanation for why they are doing me a favor changing my credit limit. 
Supposedly, I have been a valued member of this company since 2011 and been paying my bill promptly since then. I received a letter on XX/XX/XXXX from XXXX XXXX, Executive Response Unit - XXXX I appeal to you for help

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 2018-01-18
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally thought the debt owed was my adult sons bill. After further review this debt the company is trying to collect has been paid in full. This bill was paid on the day the services was rendered. I paid {$300.00} my deductible at the time. Also the company has invalid date of service on the bill. The service date is XXXX XXXX 2016. Also the company name is different from where I received my service. I received services from XXXX XXXX XXXX XXXX not XXXX XXXX XXXX. All are most of the third party that trying to collect the debt information is incorrect. I will attach receipt of payment. This was pai with my XXXX XXXX  Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Advantage Credit, 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 recieved mail with information that is not mine please remove the following items : XXXX  XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ADVANTAGE/ADVANTAGE CR Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation