BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: NC
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:
1 ) I disputed transaction for XXXX with Citibank Credit Card on XXXX XXXX, XXXX. 
2 ) Citbank sent back a letter requesting details 3 ) I sent all details to Citibank on XXXX XXXX, XXXX XXXX ) Citibank kept quiet for 2 months 5 ) On XXXX XXXX, Citibank sent back a letter that they have closed the investigation and and requested more details. 
6 ) I talked to Citibank dispute agent to understand what they needed. I informed them about the inaccuracies in their response. 
7 ) On XXXX XXXX, XXXX, Citibank sent a letter sending th 'We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor since we have not received a valid credit slip. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. 
We regret that we are unable to assist you in this matter. ' 8 ) I contacted customer service on XXXX/XXXX/XXXX. It did not yield any results. 

9 ) I have other suspicious transactions too. My understanding is CitiBank just delays and discourages customers from complaining by putting disproportionate burden.

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 2017-10-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I closed my checking account due to horrible customer service and the balance was supposed to be sent to me by mail or transferred into another account. Citi argued with me about my actual ending balance and later found out that my balance was in a holding account. I spoke with XXXX seperate managers XXXX - empl ID # XXXX and XXXX empl ID # XXXX who both reassured me they will handle it and I will receive my money. It has been over a month and I still do n't have my money.

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 2017-10-06
Company: EQUIFAX, INC.
State: MD
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 contacted Equifax at least 15 times regarding this matter. I 've even contacted the companies which they 've stated they did not have any information on file regarding inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3600.00} DXXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
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 status incorrect

Complaint:
I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. I'm trying to refinance my mortgage to another company and now being told that my payments show as 30-90 days late. I realized that there were late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I called XXXX XXXX multiple times this year to correct payment errors. XXXX XXXX was not applying payments correctly to mortgage payment. Payments were being sent from my bank account and XXXX XXXX would hold these payments in a " unapplied funds '' accounts. As a result, XXXX XXXX was reporting my payments late and incurring late charges. In XX/XX/XXXX I contacted XXXX XXXX to correct these errors. They did eventually reversal all late charges and apply money correctly but never updated credit report to reflect as " on time ''. I tried contacting XXXX XXXX with no successful resolution. There was an error on their part. I was never 30+ days late.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX card XXXX year XXXX XXXX  XXXX positive XXXX, negative on Transunion year XXXX XXXX XXXX not mines and it has XXXX XXXX. year XXXX XXXX  XXXX XXXX XXXX closed XXXX XXXX  XXXX XX/XX/XXXX XXXX not mines XXXX XXXX  XXXX XXXX XXXX not mines don't know where it came from

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 2017-10-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
my home was in the flood area of XXXX2016 in Louisiana. my business was down due to this, Chase offered 3 months off on payments, I took this offer, at the end they wanted all 3 payments plus the current payment in 1 month. I did not have it I asked if I could pay the current month and add the other 3 to the end. they said no but they had another plan a mortgage assistance plan that would refinance my mortgage, to qualify I needed to pay 3 payments on time, which I did then after the end I would sign papers and be up to date which is what  happened. at no time did they tell me I would be reported late on my mortgage to all the credit bureaus, I followed there plan and still was reported. I feel I was mislead the whole way, if at anytime they would have told me all the facts I could have at the time with my great credit rating that I have maintained all my adult life I could have gotten a loan at any bank. but they have now wrecked my credit and because I cant renew my current business loan I will lose my business at the end of the year. I tried to dispute the issue with them but was told that even though I was n't properly informed that theres nothing they can do, they even admitted that many others were having this same issue and the gentlemen felt that they should probably inform people better. I dint know if there is anything you can do to help but I sure need it. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company has placed a collection on my credit report and it has damaged my credit. I do n't know the company nor do I have a signed contract with me. I have asked them to removed this inaccurate information and continue to ignore their wrong. I 've filed a complaint with the BBB and have n't gotten anywhere. I 've never did business with this company and would like for this information to be removed for my credit. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX sued me for a medical bill that was unpaid. The attorney & XXXX, ( the collection agency ) was the conduit of information as I did attempt to contact XXXX in XXXX Maryland to get resolution. I had insurance at the time of my hospital stay but there was a misunderstanding of where or how the billing was submitted. The bill for about {$1300.00} was denied and that's what the lawsuit was for. In the meantime I missed all their attempts to contact me until they sent a process server who served me with court papers. I had insurance with XXXX and they attempted to process the bill once they had my correct insurance member ID. They currently have pending judgement on my credit even though this has since been dismissed. I sent a certified letter to have this removed from my credit report and it has not been removed yet. Letter was sent to XXXX - XXXX XXXX, XXXX. XXXX XXXX, XXXX DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Midland Funding on or around XX/XX/2019 and was given the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX at XXXX and spoke with XXXX ext XXXX. A recorded agreement was made with XXXX that I would pay {$1300.00} on account # XXXX and {$3600.00} on account # XXXX. Two separate checks were sent to XXXX XXXX XXXX via certified mail the checks were received and cashed on XX/XX/2019. I was told that they would send me information that I have not yet received as well as they did not report to Funding that the payments were received. False information continues to be reported to the credit bureaus. This has also been reported to the credit bureau. XXXX is reporting that the information of said payments have not been made and that what Midland Funding reports has been " verified. '' I have copies of checks that have been cashed my XXXX XXXX XXXX and would like them to be just in the information that the are refusing to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: COAST PROFESSIONAL INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Coast Professional took over my student loan. I received a letter that my wages would be garnished. I called and spoke with the manager ( so-called ) there by the name of XXXX XXXX. I explained to him that I was on a payment plan prior with another company from Dept of Ed and that my payment suddenly stopped from being deducted from my account after 2 years. He stated that he would look into it. Two weeks had gone past and I heard nothing. The next pay cycle my check was deducted {$XXXX} ( per pay period ). I called Coast XXXX and asked what could I do, XXXX XXXX was rude and said " What do you mean what can you do? Pay it! '' I told him that I would call Dept of Ed and get to the bottom of this. I called Dept of Ed and they had no idea that I was getting garnished. That was only after I was hung up on by 2 people while transferring my call. 
I called back and got a manger on the phone who explained everything to my wife and I. I then sent all the paperwork needed to Coast XXXX in XXXX. I had to keep calling to check that they did receive it. Only to find out that XXXX XXXX is the manager of wage garnishment and they were already in the process of garnishment. The phone calls kept going because we would send info only to be told " Oh you forgot something '' on ly to point out that they received it already. We were then told that my garnishment wages were granted to be stopped on XXXX/XXXX/XXXX by XXXX. I called Dept of Ed only to be told that they had none of my information and they do not know why I was told such. I called Coast XXXX back and spoke with XXXX this time because XXXX who prev told me that an item was missing again was busy. XXXX stated that Coast has not sent my information yet because they did not have all my paperwork. I am still waiting for this to be resolved. I asked for the loan amounts to be sent and I have yet to receive paperwork about my loans or paperwork stating that my wages were garnished! 
This company is HORRIBLE and Dept of Ed should be ashamed to let their student be handled in such a way. I now recommend to all kids not to take out a student loan just go to trade school and try to get a grant!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: AMERICAN EXPRESS COMPANY
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: Information is missing that should be on the report

Complaint:
I have been working with a debt consolidation company and paid off a negotiated settlement with American Express and XXXX XXXX. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Sequium Asset Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please reference previous CFPB complaint XXXX. 

Previous complaint filed stating company had failed to validate the above mentioned debt. The company responded to initial complaint stating they would validate the debt and provide the requested information. 

As of today, 30 days later the debt is being reported, has not been validated, in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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:
ON XX/XX/2018, I SETTLED MY DEBT WITH XXXX   XXXX/XXXX. THE DEBT WAS SETTLED WITH XXXX  XXXX   XXXX, XXXX, AND I RECEIVED THE LETTER ON XX/XX/2018 STATING THE DEBT WAS SATISFIED, AND I IMMEDIATELY FILED A DISPUTE WITH ALL 3 CREDIT BUREAUS. EXPERIAN WAS THE ONLY ONE THAT DID NOT REMOVE THE SATISFIED DEBT, EVEN AFTER I PROVIDED THEM WITH THE LETTER STATING THE DEBT WAS SETTLED.

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 2020-12-22
Company: EQUIFAX, 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 have been sending letters to Equifax to validate a debt XXXX XXXX XXXX is claiming that is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. So, I do not know how Equifax is able to 'verify ' anything with original documentation. I am nervous that they are using the e-Oscar system to verify the claim, and I did not consent to that at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: NJ
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:
An old account was placed on my credit report that I have no knowledge of. This is a medical bill and is in violation of HIPPA. This should not be on my credit report. It was removed from XXXX  because it was invalid. Experian still has it listed and I want this removed.

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 2022-04-05
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:
ATTN Fraud Department : Remove fraudulent accounts 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 explanation
Consumer complaint received 2017-10-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XX/XX/XXXX I received 3 phone calls from XXXX at One Main Financial who stated that the matter was urgent and that she needed to speak to me right away. I had called previously and called once more and finally got her on the phone. She then told me that my XX/XX/XXXX payment did not post and that it was coded that my bank account was frozen. I told her no way. I told her that I just left the bank and my account is fine. We spoke of other methods of making a payment and she agreed that my wife could call with a debit card to make the payment. She smugly told me she was just worried about my account. This suppose concern seem odd to me immediately. 
I later spoke with my wife about the matter and she told me she was in our bank account and that payment did go through with no problems. I also recalled being online earlier and seeing that the payment showed posted for XX/XX/XXXX. On that subject, I had went into the local office, on XX/XX/XXXX and changed my banking information and XXXX processed the payment electronically. Nevertheless, I called XXXX back and told her the payment with through just fine and that it showed online and that I even spoke with One Main customer service department who confirmed the payment. She ask me to screenshot her the XXXX XXXX XXXX payment. I told her I was n't sure I should do anything like that. She said she would have to contact her Manager because she shows a code 16 and the payment is not showing that she sees. I then called customer service back and spoke with XXXX XXXX and he told me we actually made two payments of {$100.00} for XX/XX/XXXX that went through fine from he sees. I then requested to speak with a supervisor. I also explained to XXXX XXXX problems my wife and I have had in the past with this office. He apologized for our troubles. Somehow I got disconnected when XXXX XXXX transferred. I called back and spoke to XXXX who would not give me XXXX XXXX but said she could transfer me and transferred to a voicemail box with no greeting and I left a message assuming I had the supervisor. She said, as did XXXX XXXX the supervisor 's name is XXXX XXXX. My wife called and as asked by XXXX ( at local office ) but was given her voicemail box and found that telling. Neither my wife or I have received a call back from the local office. It appears very obvious to us that I/we were being harassed deliberately by this office, as my loan is close to being paid off. As of this writing I have no heard back from the supervisor I requested a call back from. Having worked in as a customer service rep, I can say that I believe the above employees deadpanned my complaint to the company.

Company response to consumer: Closed with explanation