BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I want to report deceptive banking practices of Citibank. They were offering a promotion to open a checking account and deposit XXXX within 30 days ( leave in for 60 days ) and receive a XXXX bonus. It seems to me that they would intentionally set up roadblocks to prevent the customer from achieving the benchmarks needed to fulfill the requirements. First off, they do not have a local branch in my state, so everything must be done online or with phone call ( involving being on permahold ). The account was applied for on XX/XX/XXXX, but was not yet approved. After receiving an email in early XXXX that they would need more documents and information before my account would be fully functional. After completing all the extra documentation, I had to go through the process of adding an external bank account so that I could wire funds ( again, no local branch, can not go in person and just deposit money ). I have a transaction on my account that states I transferred XXXX on XX/XX/XXXX, which should be within the 30 day time frame they require. 
After waiting the appropriate 5+ months ( 60 days for the XXXX balance and waiting 90 days for promotion payout ) I reached out to Citi to ask about my promotion. They stated I would receive an email after they looked into the matter. I received an email on XX/XX/XXXX that I do not qualify for the promotion because I did not deposit XXXX within the 30 day time frame because they show that the transfer I did on XX/XX/XXXX did not clear in their system until XX/XX/XXXX. I don't think it is the customer 's fault that it takes 5 days for a transfer to clear their system. I tried very diligently to meet their requirements, but I believe that they make it difficult to do so, and use banking delays deliberately in their favor.

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 2019-01-25
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60 day late  payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i paid off my with XXXX  XXXX, tn XXXX acct : # XXXX and i spoke with on XX/XX/20 with XXXX and she told me that i would have dispute it with experian before they would correct my credit report and they have the correct information want sent it to experian!

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 2019-01-25
Company: Bread Financial 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: Account information incorrect

Complaint:
XXXX/XXXX  XXXX  listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, 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 status incorrect

Complaint:
I have two collection accounts with XXXX XXXX on my Equifax. The original creditor is XXXX XXXX. These accounts are reporting as open. A collection agency can not report as an open account with past due. I disputed this several times with no resolution other than saying the debt is valid. They are breaking the law as they are NOT a lender and can not have an open trade line. 

Second, those same two accounts are being reported by XXXX XXXX on my XXXX  even though they sold the accounts to XXXX XXXX. Imdiaulyed this as well for reporting twice for the same credit line but again, it only comes back As verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from XXXX Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, XXXX Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told by a telephone representative of Mr Cooper informed me that Due to COVID 19 I didn't have to make a payment for a year. It was not mentioned that i would have to pay it back in a year, nor was i informed of a forbearance. i am almost XXXX  year old with undefined heath issuers and a t risk for Covid 19.Therefore I am not able continue in the work force.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX  ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my 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 2017-12-08
Company: Experian Information Solutions Inc.
State: MI
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:
tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse

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 2021-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to Experian, XXXX  and XXXX  along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from identityiq they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit 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 2018-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter by certified mail in order to dispute information, in regards to multiple hard inquiries that were being reported on my credit reports. They recieved this request XX/XX/XXXX and responded XX/XX/XXXX. The request that I submitted included the list of Hard Inquiries that were not factual and I received the same response for all inquiries, stating " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. Receiving a response five days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I did not inquire or signor give consent in any way for the inquiries and was looking for a validation into where they came from. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and request that they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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: Account information incorrect

Complaint:
XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.

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 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is showing as a negative account and it should not be.

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 2018-06-11
Company: AMERICAN HONDA FINANCE CORP
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
American Honda Finance did not send billing information until after the loan was due. Contacted them 2 days prior to the bill being due on XX/XX/XXXX. They told me to all back on Monday XX/XX/XXXX and I had to scramble to get the payment sent as they accused me it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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: Account information incorrect

Complaint:
XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed about the information that has been reported to credit profile. They have failed to maintain the reasonable procedures in company operations to assure. The maximum accuracy in the credit reports. Because of identity fraud.

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 2018-06-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint against LoanCare. You provided me with a letter stating that you had contacted LoanCare regarding my first complaint. The information they gave you is inaccurate. This I can address at a different time. They stated to you that they would reimburse penalties for late taxes because the late taxes were due to their error. They requested that I submit proof that I paid the taxes and the penalties. I did so, by email on XX/XX/2018. I sent follow up emails on XX/XX/2018 and XX/XX/2018. I still haven't received my reimbursement, nor any contact from LoanCare. The amount that is due is 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 2019-01-25
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:
XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXXNOT MY BANKRUPTCY XXXX  XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT TXU XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/1966 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 2018-08-01
Company: Source Receivables Management LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/18 at approximately XXXX, I visited the XXXX website and chatted with a rep ( XXXX XXXX. ) in regard to a debt that was on my credit report in the amount of {$570.00}. I asked XXXX if XXXX could remove the entry from my credit report upon me paying the amount owed. She stated that it would be removed and offered to process the payment for me but I elected to pay in the store rather than online. Once in the store, the manager was unable to pull up my account and gave me a number to call to make the payment. That number routed me to a rep by the name of XXXX whom I spoke to around XXXX that same day. I double checked with him about the entry being removed from my credit report, he advised that, " the payment will update in 3-5 working days, and be completely removed from your credit. '' That sounded great to me so I made the payment. XXXX clearly still owned the debt or else they wouldn't be able to accept payment for it, the collection agency was merely a contractor. Today, XX/XX/18, I received a notification that the balance on that collection had been updated to {$0.00}. Ok, so the payment had been processed and an update has been made. But it wasn't the update that was promised. I contacted the collection agency named Source Receivables Management. I spoke with a woman named XXXX and explained to her that XXXX had agreed to remove the collection from my credit report. She explained that Source Receivables Management would not be removing the entry and that I would need to speak to XXXX. I then called XXXX again and the rep I spoke with explained that there was nothing he could do, I should call the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX Balance {$750.00}, {$510.00}, XXXX XXXX XXXX # XXXX These account are in error. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is showing as a negative account and it should not be.

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 2018-02-02
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My insurance at the time should have covered these amounts. This was opened on XX/XX/ 2012 and the  amount allegedly owed is {$1400.00}.

Company response to consumer: Closed with explanation