BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-11
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Due to unusual historical circumstances, I have approximately {$55000.00} of outstanding credit card and other revolving debt. Most of it carries an interest rate of 29.99 % and is owed to Citibank. I would like to take out an additional home equity loan from Citibank for {$80000.00} to pay off this high interest rate debt and use the remainder ( {$25000.00} ) to pay towards my son 's college education. 

I have plenty of equity in my home and am employed full time and earning a good salary ( $ XXXX K/year ). So from an equity and debt-to-income point of view I should have no problem qualifying for this additional home equity loan. The problem I have a low XXXX score -- but it is purely on the basis of my high credit card balances. In fact, I have an excellent payment history ; e.g. my existing home equity loan to Citibank for approximately {$230.00} K has never missed a payment! Now because Citibank is denying me this debt consolidation home equity loan, I can not get out from under the high credit card balances to guess who? CITIBANK! So now I will be forced to restructure or ( hopefully not ) default on my credit card balances which will further impact my credit standing going forward. 

On Tuesday XXXX XXXX, 2016 I spoke with XXXX XXXX ( XXXX ) who is the Citibank home equity credit officer handling my inquiry. She confirmed that Citibank denied my request for a HELOC purely because of my low XXXX score, not due to my payment history or equity in my home or debt-to-income ratio. Furthermore, she confirmed that in looking at my XXXX credit report, my score of XXXX was low purely because of my high credit card balances. 

I explained to XXXX XXXX that I can no longer continue to make these high credit card payments. I further explained that this is not the way Citibank would treat its corporate or high net worth clients looking to refinance their high interest rate debts. In fact this is not how the taxpayer treated Citibank during the credit crisis! When I think about the mission of the CFPB, I can not think of a more black and white situation for them to look into.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: 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. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Balance Owed : {$210.00}

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 2019-07-29
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 have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me  that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible .. XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 10 XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XXXX/XXXX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which it was due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I have a credit freeze on my account and when I did pull it off the creditors pulled XXXX instead of TransUnion. These XXXX items I never applied for and the XXXX XXXX and XXXX was removed and reinserted. Even on my XXXX XXXX my credit is important to me. 
1.XXXX XXXX-XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX 6XXXX XXXX XXXX 7.XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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

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 2021-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted on MULTIPLE occasions since XX/XX/2020 to dispute the XXXX account with Equifax due to not only being reported INCORRECTLY but because I do not have a financial obligation with them! This account was paid in full per the attached receipt in XX/XX/2020. There is false reporting and XXXX refuses to do anything about it and so does Equifax! They either ignore my request or just state that the information is correct. No, it's not correct, I no longer owe anything to the creditor and they will not remove this. 

There are also multiple inquiries that I have been requesting to have disputed and removed however, those have not even been acknowledged by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to apply for a short sale and was advised by PNC ( The Servicer ) that the file has been reviewed too many times during this delinquency cycle. That my only options are to bring my account current or sell property outright to cover everything owed to the bank. That once I bring my account current that I can then file for a short sale. 

If I could bring the account current, I would keep the home. Is n't the whole point of a short sale is to allow the home owner to leave gracefully from the property when we can not afford to keep the home and to avoid foreclosure?? 

My loan is owned by XXXX XXXX and per FHLMC I am allowed to be reviewed for a short sale - and possibly even a streamline short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You guys have stated in the Letter from XX/XX/XXXX : " we believe the majority of their concerns were already addressed in our response to their previous inquiry ''. Which is not true. You guys never addressed the comment stated on my credit report, as to why if I qualify for FCRA the collection as a comment my credit report is still showing this account, and why this collection is still there. I am attaching the letter. 

Another thing, the last payment was made on XX/XX/XXXX meaning you legally have 3 more months to try to get this amount and then after that remove it, according to the state of limitation for collection agencies in FL. 3rd thing I am attaching is the last statements that XXXX XXXX provided via mail back in XXXX. I remember I requested a Credit Card and XXXX XXXX charged {$25.00} one time, and then charged that same amount {$25.00} the same month twice, then got the annual fee again from the previous month, with an increased amount without notice on a XXXX period. I got a credit protection fee I was paying and offered by XXXX XXXX which is stated there on my statement very clearly. So talking about XXXX XXXX, even tho I made that payment ; the next month I was charged a late fee, increasing 2 times the transactions, and raising the fees with me having a credit protection program that they offered over the phone ; in case of missed payments and not having the ability to pay the card. 

The last thing, my lawyer sent you guys is a desist letter, which according to the FCRA meets the requirements, and I am waiting for the response to my lawyer 's letter with a copy to myself from LVNV. Also, I got a notification from the Office of the Comptroller of the Currency to escalate this ; which is going to involve LVNV and XXXX XXXXXXXX. So if LVNV is going to cover XXXX XXXXXXXX on their fraudulent practices, which the statements are attached, and other proof that I am facilitating everything to the CFPB, OCC, and XXXXXXXX XXXX  attorney. If LVNV is going to continue this journey, LVNV is going to be included in this lawsuit for collaboration in fraud, deceiving, and lying practices as an accomplice with XXXX XXXX. 

Credit Protection, is in my statement from XXXX XXXX, meaning credit protection for the customer. So with this said, Good Luck in court and the Federal Agencies on this matter ; cause this is going to stop very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I am furious first as this is a ongoing issue with Equifax. You prove why things is not supposed to be on your credit report and Equifax removes it then place it back on your credit report a year or so later when they think you have forgotten about it. This has happened THREE times already regarding having XXXX XXXX XXXX on my credit report. I have 2 old unverified collections that has once again popped up on my credit file under Collections. If you refer back to Complaint ID # XXXX dated XX/XX/XXXX and Complaint ID # XXXX dated XX/XX/XXXX. All collections from this debt collector who I have no dealings with has been REMOVED. EQUIFAX ALSO STATED IN THERE RESPONSE IT WAS REMOVED AND NO LONGER ON MY CREDIT REPORT. As I requested my credit file via mail and it was sent XX/XX/XXXX. I see the same collections back on my file. Like who do I sue at this point?????? Are we gon na keep blaming it on this constant breach there having ruining people 's lives????? I also disputed 13 inquiries which are still showing that I did not authorize. This is a headache and extremely stressful. I did file the breach claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: COAST PROFESSIONAL INC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Since XX/XX/XXXXI made a " forced '' payment arrangement with an agency which represented itself as a representative of the Department of Education, all this after having tried numerous attempts with the Department of Education directly to reach payment arrangements with them which were in vain since they always rejected my request. 
All this was based on an alleged document they had sent which I never received since it was sent to an address in which I did not reside and I had moved about 5 years prior. Since then it has been an ordeal with the Department of Education. The first thing is that after having made the payment arrangement with Coastal Professional in which they assured me that I would not have any problem as long as I fulfilled my monthly payments for which I allowed them direct debit from my bank account, in addition to making sure that After 9 payments I could reach a direct payment arrangement with the education department, this was never to happen. I had been making the payments properly, they got into my salary and took monies which came from my employer, when I complained they blamed to the Department of Education for this, when I complained to the Department of Education they blamed Coastal Professional and thus nobody was responsible for any explanation that asked. I started a complaint process directly with the Department of Education because they had not complied with the treatment through the agency that represented them and for the supposed document that was not my fault they would send it to an address in which they no longer resided. They had a deadline to answer me which they did not meet if at that time they did not answer they had to stop the debits of my salary, for which I also had to call them. My surprise was such that after 10 or 12 payments with Coastal professional in more than one occasion I called the Department of Education they told me that they had no notification that I was paying through any agency, then I explained that payments were being debited from my bank!. Anyway, the agency constantly asked me for documents because I decided that what I sent them was not clear, which was false, they suddenly stopped debiting me from my account and in the middle of that process they also kept money from my refund ( IRS ) Again I complained again because they did not answer me or give a solution to my case, they could not do it again, for the last time they blamed each other again Collection Agency vs. Department of Education. They never answered me or solved anything, they took money from my salary, they charged through the agency and in 2 occasions of my IRS refund. Even so, the debt appears to me in the credit bureau, they reactivate it constantly and I have the fear that the IRS will also claim some kind of lean against my taxes yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: AR
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 investigated my credit report, I realized that some of the information was erroneous. One particular account is misleading and incorrect, it must be verified immediately to prevent further harm to my credit file. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX Balance : {$180.00}

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 2023-02-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2023 to remove accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again., =XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} =XXXX XXXX XXXXXXXX Balance : {$2400.00}

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