BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
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:
It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by Citibank AND Home Depot is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by Home Depot AND Citibank. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by Citibank and Home Depot is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either Home Depot or Citibank. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.

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 2022-01-24
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:
It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by XXXX AND XXXX XXXX is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by XXXX XXXX AND XXXX. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by XXXX and XXXX XXXX is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either XXXX XXXX or XXXX. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-19
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I reached out and responded to company with documented evidence that the debt was not owed. I provided 30 written notice to vacate the premises dated for XX/XX/XXXX. The debt ledger that was provided list rental amount and late fees for XXXX and XX/XX/XXXX which is after the the premises were long vacated. I asked for follow up documentation in the form of required by law 5 day pay or rent quit notices or late rent notices from the original creditor as proof of rent owed and did not receive any further validation of debt. I am asking for them to validate this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. XXXX USC 8 and 15 USC 1681 2 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I discovered In XXXX of XXXX that one of my contractual monthly payments of {$2100.00} were misapplied to escrow account. I have been asking them to reverse this and correct it since then and they have failed to do so. This caused my 1098int to be in error as well. The 1098int showed I only paid {$370.00} in property taxes but in reality XXXX XXXX records show I paid in {$2500.00} which is big error. The amount misapplied over funded my escrow and this year ( XXXX ) they are claiming my escrow account was short and in the most recent Mortgage Statement they have increased my escrow by $ XXXX and are asking me to pay additional $ XXXX which is the shortage amount and my previous escrow was $ XXXX in XXXX and now its {$820.00} for XX/XX/XXXX statement. I am at this point requesting an audit of my account with Loan Servicer as they have never corrected the issues and are now demanding more monies from me. I have done some basic math for escrow and adding both of my Insurance 0f {$3600.00} and taxes of {$2500.00} give or take {$15.00} which comes to total of {$6200.00} divided by 12 equals {$510.00}. If there is a deficiency in escrow it should be calculated into future payments and not be billed all at once is the first concern, second is that my escrow account was over funded by {$2100.00} how can this be deficient. My account serviced by Rushmore Mortgage needs to be audited from XX/XX/XXXX and forward so basically last two years because of misapplication of payments. I also have been charged late fees for all of their errors and not reversing the misapplied payment. I have all of my notes every time I called in and who I spoke to and what I was told date and time stamped. Please Help as they have continued to say account is correct but yet it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX XXXX As you can see I have been violated and due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$8000.00} }. 

I will attach screenshot and bureau supposed investigation

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 2022-01-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am submitting this information with my own free will and I am not being coerced by any third party or agency. As of XX/XX/2022 I reviewed my consumer report and noticed that you are in violation of my rights by committing fraud, reporting that I owe an alleged debt that I have no knowledge of. I hereby refuse this alleged debt. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I am requesting a DEBT VALIDATION. I demand documentary evidence which shows that I legally owe you an alleged debt. 
I am also aware that you are violating my rights Pursuant to the Fair Credit Reporting Act,15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: AZ
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 tried reaching out to this bureau several times about this account that does not belong to me and inquiries that do not belong to me. this information is fraudulent and i want it investigated and removed from 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 non-monetary relief
Consumer complaint received 2023-04-09
Company: Credit Karma, LLC
State: NM
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:
Credit karma is providing false advertisement. I was told I was preapproved for a loan and a couple of credit cards, but I went through the process and never got approved and I still got credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NC
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:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.

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 2022-09-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act XXXX BANK XXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 u.s.c. 1681 section 604 a section 2. it also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason

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 2017-09-24
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank is calling me repeatedly and leaving voicemails. Here are the times/dates they have called me recently : XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX   XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX ( today ) - 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 2023-06-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: Block, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit bureaus will start adding Afterpay, XXXX and XXXX and XXXX. They all allow shoppers to buy now and pay later. These such purchases are not being reported to my credit reports but one. I did the loans with the purpose to give lenders a fuller vision of my financial commitments.This is an easy way for people like me to establish positive credit so that I can start getting my scores up and acquire better and more useful lines of credit. You have yet to report anything to my credit reporting companies other than one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Duvera Billing Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/23, I reached out to this place called easypay regarding the interest rated on a loan that was obtained. I informed them via email the VA State Law regarding interest rate, which they had mines at 133.99 % VA State law doesn't allow for loan rates to exceed past 36 % which is what I told them. They responded the same day stating a 90 day promotional period and a law called " Credit Sale Act ''. I looked this information up for VA and there is no law in VA for this. I provided them with several VA Code Laws and they emailed me back the following day stating that they are allowed to charge up to 134 % which I know to be illegal due to past issues with other loan companies and speaking to attorney 's about it. This email transaction continued until XX/XX/23. Then that's when the constant phone calls began and the harassment started. They will call all odd hours of the day and night. As of the first week of XXXX, they have falsely reported information on my credit report, which has caused my score to drop severely. I have notified them reiterating what I stated on " XX/XX/23 that they were violating my rights as a consumer by fraudulently reporting information that is not true on my credit report. What you as a company are doing is unethical and illegal ; illegally getting consumers to obtain a loan under false pretenses. This information will be reported to the credit bureaus, consumer protection agencies, and XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collections: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 2022-09-21
Company: EQUIFAX, INC.
State: TX
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:
equifax has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below.

This is grounds for removal and monetary relief immediately.

My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions.

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX  XXXX Incorrect Account Number XXXX Date Opened is Incorrect XXXX No High Balance XXXX Incorrect reporting monthly XXXX XXXX {$8000.00} Above Account total : {$11000.00} XXXX XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balance Incorrect Equifax is reporting 2 months of late payments during covid 2XXXX ( XXXX ) Above Account total : {$5000.00} XXXX XXXX XXXX  XXXX INCORRECT NAME Incorrect Account Number No high balance XXXX is reporting 6 months of late payments during XXXX XXXX ( XXXX ) Above Account : {$9000.00} XXXX XXXX XXXX Incorrect NAME Account Number INCORRECT Date Opened is Incorrect High Balance Incorrect A Charged off account can not have a balance REPORTING 16 MONTHS AS COLECTION Above Account : {$21000.00} XXXX XXXX XXXX XXXXXXXX WRONG NAME Incorrect Account XXXX XXXX Opened is Incorrect High Balance Incorrect A Charged off account can not have a balance Above Account : {$23000.00} OVER {$69000.00} IN VIOLATIONS ATTACHED BELOW AND DISPUTE RESULTS AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
World Finance went to selling their Loan account to Debt Collection Agncy XXXX XXXX XXXX Debt Collection Agency on today to collect Loan Debt in the amount of {$2000.00} dollars after my Legal at the XXXX XXXX XXXX sent them notice on XXXX XXXX sent them notice of that i have retained XXXX  XXXX Bankrupcy Legal Counsel regarding their Loan account number XXXX advicing them that my XXXX  XXXX bankrutcy will be filed filed trying to collect their debt after they was notified of my XXXX  XXXX Bankrupcy case from the notice of their Legal representation of my XXXX  XXXX Bankrupcy case to them from this XXXX XXXX  XXXX Bankruptcy Legal Representation Letter notice below attached to this complaint

Company response to consumer: Closed with explanation