BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: OK
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:
Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3.XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX. XXXX- Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX- Inquiry from XX/XX/XXXX 15. XXXX XXXX- Inquiry from XX/XX/XXXX 16. XXXX XXXX- Inquiry from XX/XX/XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 19. XXXX XXXX- Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 23. XXXX XXXX- Inquiry from XX/XX/XXXX 24. XXXX XXXX- Inquiry from XX/XX/XXXX 25. XXXX XXXX- Inquiry from XX/XX/XXXX 26. XXXX- Inquiry from XX/XX/XXXX 27. XXXX XXXX- Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX- Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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 2020-05-26
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: Old information reappears or never goes away

Complaint:
I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.

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 2022-12-15
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-08-27
Company: BARCLAYS BANK DELAWARE
State: MI
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 negative report in my Credit account data or Fico score from a Credit Card company known as Barclays Bank. Located in Delaware??? Phone number XXXX? They claim i owe them a balance of XXXX dollars on a limit of XXXX  dollars? I also am suppose to submit them XXXX a month??? I do not have any Credit Cards from said  company much less an account. I did have a lost Credit Card from XXXX XXXX which i immeditely reported to them. That issue has been resolved but some one may have used card to open up that Barclays account??? At any rate i have no idea who Barclys Bank is other than the info i got from another local bank when we were doing a refinance analysis. I have called them but never get a sraight answer or no one from Managementat said phone number? Meanwhile my score has gone from XXXX to XXXX as a result of them??

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 2019-10-28
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
WE began a loan refinance with cash back. Loan Depot was the lender we were working with. They promised the loan would close the first part of XXXX. I had troubles with them with communication and the whole process. They were not quick to respond nor did they get information to me in a timely manner. WE finally closed the loan on XX/XX/2019. Today is XX/XX/2019 and they have yet to release funds to pay the current mortgage nor some of the credit accounts that were being paid off. I requested that a manager contact me on XX/XX/2019 and I still have no contact from them. Everyday they delaying in paying it is costing me more money. What can be done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being ask to pay a debt that I remember already paid many many years ago. 

I requested Covergent to provide me the details about the age and amount of debt, including the copy of the last billing statement from the original creditor, a detailed explanation explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original claims this debt became delinquent.

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 2020-07-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It  appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020.

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 2019-02-20
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Professional Finance Company is a collection agency. They contacted my employer with a writ of garnishment. I contacted them prior to the garnishment starting on XX/XX/XXXX and paid them a settlement amount of {$760.00} to stop the garnishment of {$930.00} even though I still have no clue why my previous employer is garnishing my wages at my new employer I paid them to just make them stop. I confirmed on the phone with them that the payment I was making would close my account, pay the balance in full and stop the garnishment. They said yes and stated the would fax a release of garnishment to my employer. The following week XXXX $ was garnished from my check. I contacted my employer on XX/XX/XXXX who stated they had never received a release of garnishment. I contacted PFC on XX/XX/XXXX as well, they stated they would yet again the account was fully paid and they would fax a release of garnishment and that I could come pick up the wages from my check that were garnished when they received it. On XX/XX/XXXX my employer called me to tell me that they still hadn't received a release of garnishment and if they didn't receive one by XX/XX/XXXX another portion of my check would be taken and sent to PFC. I got off the phone with them and called PFC who is now stating they have already faxed the release of garnishment and will not send another even though my employer never received it and now they are stating that I owe them an additional XXXX $ for something that was never included in the payment I made on XX/XX/XXXX when I paid my balance in full. Now due to the payment I made in full of XXXX and the XXXX they have taken a total of XXXX which is over the amount stated by the courts that I owed them ( XXXX ) and they are refusing to fax a release of garnishment or anything stating that I paid them so they can continue to garnish even more of my wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: Medical Data Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I sent a validation of debt/Hipaa authorization letter asking Medical Data systems to provide a breakdown of fees, a copy of my signature with the provider of service to release my information and to cease from reporting till validated by me.They failed to respond.XXXX deleted and stop reporting.The other two agencies are still 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 explanation
Consumer complaint received 2018-04-09
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I currently have a Walmart Mastercard. I recently noticed a reoccurring charge on my statement every month. I am not sure when this first started as I can only go back to my XX/XX/2017 statement on the Walmart website. This monthly charge is charged as 1.6 % of my current card balance every month for card security. I did not sign up for this service nor did I authorize this service from XXXX. This is through Synchrony Financial. After searching online this seems to be a common issue. There are many other people who were also unaware of this monthly charge, and did not sign up for " card security. '' I would like for the service to be discontinued immediately, and refunded for being charged for a service I never signed up for.

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 2019-10-28
Company: Experian Information Solutions Inc.
State: TX
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 XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}

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 2023-02-24
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX and XXXX  XXXX XXXX  # XXXX has violated My rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it Also states a consumer reporting agency can not furnish a account without my my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$6900.00}

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 non-monetary relief
Consumer complaint received 2020-10-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank, 45 days ago Citibank blocked my accounts specifically a Citibank checking account ending in XXXX. 

After calling the fraud division they informed me ( after submitting documentation from their Docusign system ) that my records had mismatched addresses but the customer service person refused to explain what the mismatch was.

I have called Citibank at least five times often being left on hold for long periods of time.

Citibank sent me Docusign files six times now : The first time I had to send either a pay statement or a utility bill. I followed Citibank instructions and sent the pay stub. A few days later I was told that was not sufficient and I needed to send a utility bill, which I did then. 

XXXX XXXX adds apartment numbers to their bill to indicate which floor/s the bill relates to. Mine has my address XXXX XXXX XXXX XXXX. This appears to be the mismatch that Citibank is using to justify blocking my funds. 

I have owned this house for 30 years. I have never listed my address this way in any application. This is a 3 family house and it doesnt make sense for me to designate my apartment designation.

I have attached the following : 1 ) Welcome letter from Citibank XX/XX/20 with my correct address for the account I am writing about. 
2 ) XXXX XXXX utility bill with the apartment listed with the XXXX designation which Citibank is using as a pretext for blocking funds. 
3 ) Current XXXX XXXX bill with correct address. 
4 ) Current XXXX bill 5 ) Current XXXX Dept of Finance bill which lists my correct address. 
6 ) To 9. Four letters dated XX/XX/20 from Citibank confirming requests to make changes to my address. I DID NOT MAKE ANY REQUESTS TO MAKE CHANGES. Two of the letters say they updated my address to add the XXXX XXXX XXXX designation. The other two letters say the exact opposite. AGAIN, I MADE NO SUCH REQUESTS. I simply am asking Citibank to unblock my accounts. This is my money not Citibanks monies. 
7 ) Today I was on hold for 30 minutes while various customer service representatives. The third one was supposed to get to the bottom of this until the call was dropped. How come the representative did not have the courtesy to call me back?

8 ) A copy of my email inbox which shows that I completed six times their document request via Docusign. The last three times I completed it, I then get another Docusign request asking for the same thing.

Citibank needs to be penalized for this egregious behavior. My funds have been blocked for over six weeks now. I have no judgments against me, I have an 800 plus XXXX  score. Clearly the mismatch ( the XXXX XXXX bill with the apartment designation of 12 Floor ) was entered into their computer system by Citibank.

Citibank needs to compensate me for their bad behavior.

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 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These hard inquiries should not be on my credit card and this is unverified and inaccurate. Need them remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: 2288984 Ontario Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company XXXX contacted my sister around XXXX on XX/XX/2019. The representative was very rude with her and said she better have her ( me ) contact us or were going to SUE. I called the number back numerous time just trying to find out what company it actually was. He left a voicemail that didnt state what company he was calling from. When I called back, it just kept going to his voicemail. I finally got a live person and I asked for a supervisor. I was put on hold and after around 4 minutes, the lady tried to locate my account but couldnt find me. Finally she found me and didnt verify she was speaking to me and didnt ask for the last four of my social security number. She stated the last four of your social is XXXX. I explained to her this is not aloud and she was very nice but she still didnt get the proper personal information before discussing my account.

Company response to consumer: Closed with explanation