BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I recently received my CitiBank response from an Executive Response agent who unknowingly proved CitiBank ( Sears ) company has been inaccurately reporting my payment history to all three Credit Bureaus. I will start out by indicating the companies response was detailed, professional but did not resolve the issue. I recently received my response, from the Executive response agent ( not named ). The agent clearly states my payment was not received by the due date on XX/XX/2016 ( specifically XX/XX/XXXX per the attached Bill ). In the next sentence she then immediately acknowledges a payment in full was received by Citibank from me on XX/XX/XXXX. Clearly, if a payment was received 17 days past the due date ( by Citibanks own  admission in their response ), by definition this cant be considered a 30 day late payment. Yet, for the last 2 years Citibank has been reporting that I was 30 days late in XX/XX/2016 to all 3 credit bureaus. This is clearly a mistake by Citibank, reporting a 30 day late payment for XX/XX/2016 when I was only 17 days late by there own admission. The executive went on to indicated that " The account information and payment history in your credit profile are correct and will not be changed '' ( see attached doc w/ highlighted response ). The payment history, in fact is NOT being reported correctly. I request Citbank make things right by not only removing the 30 day late notice for XX/XX/2016 but also making no further adjustments to my account or payment history. Once again by Citibank 's own records and response, I wasNOT 30 days late in XX/XX/2016 and therefore they are indeed reporting inaccurate information. All three credit bureaus show a 30 day late payment for XX/XX/2016. Citibank/Sears is in clear violation and have failed to prove that I was 30 days late in XX/XX/2016 and must update their reporting to the Credit Bureau 's. 
This is my second complaint. I am highly disappointed in how Citibank/Sears has handled this situation and their unwillingness to make the situation right even for a consumer that has multiple Citbank cards. As a result Citbank and Sears will likely loose me as a customer.

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 2019-09-13
Company: DISCOVER BANK
State: MN
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:
Please see attached letter from Discover Bank, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and XXXX credit report. I/XXXX contacted Discover bank by phone questing why hasn't Discover sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: PA
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:
had an account showing on my credit report that was showing open when it should not have been and it was affecting my credit report negatively with a XXXX balance I disputed this and disputed it again and it's still has not been settled and is being again reinvestigated hi either the credit reporting entity or the account entity itself I also have the same exact legal name for the past eight and a half years now as another woman who is very very close to me and I have found to be linked to her in many ways before and we are not the same person but my information has been linked by same exact legal name even though it is not me but it is impossible to differentiate between the two of us this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CORELOGIC 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:
After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.

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 2018-06-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They have been taking double payments out of my account and even if a payment is not due they are drafting one after telling me if it is not due we want draft and the statements say the same thing and now they have promised to repay an over payment and it has been a month and no repayment nor a note of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: MN
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:
Please see attached letter from XXXX XXXX, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and Equifax credit report. I/XXXX contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at zero and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Please see attached letter from XXXX XXXX, dated XX/XX/2017. This item should have been removed from my XXXX, Tran Union and XXXX credit report. I/XXXX contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Innovis
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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: RentDebt Automated Collections, LLC
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:
RentDebt Automated Collections have been reporting this account as if it is an open account when it is closed in the hands of a Debt Buyer. They are reporting it as an installment account with a one-payment term and a Past Due Balance. They have reported to one of the Credit Bureaus a Maximum Delinquency date of XX/XX/XXXX but the reality is they obtained this account XX/XX/XXXX. The information RentDebt has reported for 4 years has caused financial setbacks due to this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XXXX XXXX XXXX  XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving NegativeXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2018-05-01
Company: ALLY FINANCIAL INC.
State: CO
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:
I attempted to purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX, XXXX, CO. back in XX/XX/XXXX ( XX/XX/XXXX ). I traded in a vehicle fro the new purchase that was financed through ALLY Financial. My approval for the new purchase was Ally as well. End of XX/XX/XXXX I attempted to make my new and first vehicle payment with Ally and I was told no record of my new vehicle was in their system. I was told I needed to make my old vehicle payment ( trade-in ) now that it was late. I explained to Ally that the vehicle was traded-in and that they needed to contact XXXX XXXX XXXX. The new year XX/XX/XXXX came in and I still was unable to make a payment. I contacted and visited the dealership in person and was told I am unable to get financing for my new purchase. I explained to them, of course I can't, because you ( XXXX XXXX XXXX ) never submitted my payoff for the trade-in and now no one will finance me for active late payments. I entered a Civil litigation, submitted a complaint with the Auto Industry Division ( DOR ). I was granted in favor for the litigation. I myself, my attorney, and XXXX XXXX XXXX submitted disputes to Ally Financial as well as all three credit bureaus explaining the circumstances. No to fast forward, I obtained my original car back that was traded in and paid it off. Ally is still reporting the late payments due to this incident on all three credit bureaus.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I disputed transactions thet were credited back to my account and the rep did not cancel my card afterward. my account was left open and incurred more fraudulent charges that were credited back to my account recently and now i still cant use my card because Capital One has not taken the hold off of my available credit limit. 
This has been over a week since credit was applied to my account and I am needing to use my credit card. I am not supposed to be held liable for these transactions and that is what is happening. I already have replacement card i just the hold released so that i can use my available credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I previously had a store account with Macy 's. I had fallen behind on payments however in XXXX of XXXX, I paid off my entire bill for {$140.00} using the automatic bill pay function from my bank. This was the entire balanced that showed on the account at the time that the payment was made and this was the amount that was reflected on the e-bill sent to my credit union by Macy 's subsequently, and unbeknownst to me at the time Macys tacked on a late fee during the same month but after the bill had been paid. I tried clearing up the fee in the past because I had paid off the entire principal balance. I got the run around from everyone that I talked to. Recently, I looked into my credit and saw that Macy 's had tacked on a ton of subsequent charges after the initial late charge. Thus the principal balance owed went from {$0.00} after I paid the entire balance to around {$32.00} after Macy 's tacked on a late fee and it continued to climb from there. The Balance due now stands at around {$290.00} dollars. This entire amount is comprised of late fees and interest on top of the late fees. On or around XX/XX/XXXX I called Macy 's to try to settle the account. I was told that the account had been sent to an internal collections department. I asked the department if I could pay the principal balance from when the company tacked on the first late fee and interest charge. The collections department said no without any explanation as they were trying to force me to pay over {$250.00} in drummed up charges and late fees. I then asked if I could settle the account. I proposed to settle the account for around {$75.00} to {$100.00} which was more than reasonable considering I had originally paid off the full balance of the card. The representative said that the company wanted at least {$200.00} which was wholly unreasonable and unconscionable given the account was previously paid in full. I stressed that I really wanted to make good and pay the account but could not in good faith pay all that excess money. Since XXXX I have been trying to settle this account through various means and communicative channels. Macy 's has essentially made my life XXXX. The worse part is that I just graduated law school and I am preparing to be an attorney. This account is impacting my ability to be admitted to practice law because it makes me appear as if I am financially irresponsible. I am trying to find a reasonable solution and while it may seem dramatic, Macys is literally ruining my life and career prospects.

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 2020-05-10
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Following collection companies has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameMACYS/DSNB Account NumberXXXX  Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$380.00} written off. {$380.00} past due as of 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 explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have over 20 fraudulent hard inquiries to my Transunion report. They have given me no path to removing, or disputing the disturbingly high number of fraudulent inquiries. I have made multiple contacts to the beaurau and they have given me no assistance. It was simple for me to fix with XXXX and XXXX, this is why I know something is wrong. I'm a fraud victim and now being further harmed by Transunion 's choice to not help. I believe that they are trying to force me into buying one of their products in order for me to remove the fraudulent inquiries. I feel they are trying to extort money from me, in this way to correct my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have completed my XXXX. I am now the sole owner of the home. I have a new legal name. I mailed all requested name change documentation to PHH MORTGAGE SERVICES on XXXX XXXX, 2019. They confirmed receipt. I've written emails and called to no avail. They continually put me off and have not changed to my legal name. It is important to have my legal name on all documentation for my home. OCWEN changed their name but are still an establishment that refuse to follow the United States laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions 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 requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by 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