BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-07
Company: CITIBANK, N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Complaint : CitiMortgage, XXXX & XXXX posted our mortgage payments from XXXX XXXX to present year XXXX and called to collect over the phone payments ( EFT - electronic funds transfer ) for the ( ACH - automatic check handling ) payments in the form of personal checks already posted to our account, assessed us late fees for additional payment applied to principal ( misappropriated installments including XXXX PA real estate taxes, city of XXXX PA taxes and XXXX Area School District Taxes ), reported out posted late to national credit bureau XXXX XXXX and XXXX when our Mortgage insurance payments were never late, our CitiMortgage note terms should have been stated in rider when servicing changed ( XXXX of the month due with 15 days grace period ) we were never late greater than 10 years of payments, applied additional fees for servicing, denied loan modification application, denied refinance application, denied federal application for HARP, added additional interest on our original note dated XXXX XXXX with fixed 5.5 % interest backed by XXXX and added additional finance fees on top of the finance fees assessed on our settlement document, thus misappropriated our mortgage financing with interest payments reporting us in foreclosure as delinquent - erroneously. We wish to receive legal writ of satisfaction for all mortgage payments applied to principal and mortgage loan note. We provide the attached uploaded document record of all carbon copy personal checks log, and printed franked records made available online. We wish to include class action notice with XXXX c/o XXXX and have not received any payments nor listed us for XXXX records. CitiMortgage, XXXX & XXXX have exceeded 7 - 10 days written response to our letters, exceeded the 30 day investigation thus escalating our qualified requests in writing for mortgage principal payment adjustments citing additional yearly payments applied, denied request for reverse late fees providing franked records of posted payments withing the note guidelines, and failed to refund monthly monies assessed accordingly. We provide detailed documents to stop phishing, harassment, imposing XXXX, undo stress and deformation of character. We seek restitution thereof, to be made whole, and immediate writ of satisfaction ( mortgage paid in full ) immediately.

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 2022-01-31
Company: EQUIFAX, 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 information incorrect

Complaint:
Disputed Item : - Inaccurate Reporting XXXX XXXX  XXXX Last reported XX/XX/XXXX Closed Date opened XX/XX/XXXX Account type Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: GA
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/2020 I sent Experian a certified letter disputing four erroneous items listed on my credit report. I provided a dispute reason for each item and requested for the information to be removed from my credit report. I also sent validation of debt letter certified to each collection agency requesting documentation with my signature to prove the debt belonged to me. The collection agencies failed to respond to my request after 30 days, which means they do not have any documents with my signature and the items are un-verified. Experian also did not respond after 30 days, so I sent another letter to them on XX/XX/XXXX requesting the items be removed. On XX/XX/XXXX I received a letter from Experian stating the items were verified. I responded by sending Experian a certified letter on XX/XX/XXXX requesting supporting documentation or a contract as proof of the items are verified and asked for them to respond within 15 days. Experian received my letter on XX/XX/XXXX and have yet to respond to my request. On XX/XX/XXXX I sent my 4th letter to Experian again asking for these items to be removed. Experian is trying to stall the process and it is extremely frustrating. They are damaging my credit by keeping this unverified information on my credit report even though they have no information to prove that it is accurate. I need this information to be deleted immediately.

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 2015-07-22
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Sears Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with Sears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
Citi Bank offers access to statements and transactions on their website. For the second time in a month " There are no statements immediately available at this time. '' The last time ( around XXXX/XXXX/16 ) it took ten days and a complaint to CFPB to resolve the problem. The resolution is apparently temporary.

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 2022-01-31
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: Account information incorrect

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have requested a dispute to be opened regarding an account that I am not familiar with ( XXXX XXXX XXXX XXXX Credit bureaus did not respond with the name and contact individual they with as the data finisher according to my letter requestion correction. I did not receive the verifiable proof used under FCRA 15 U.S.C. Sec 1681 ( I ) ( 7 ), ( 6 ) ( b ) ( iii ). Under sec 609, provide the Original Court Documentation, with signature, that must have on file before reporting. I requested this to be done because they are causing me harm financially and preventing me from progressing in my endeavors.

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 2022-01-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have requested a dispute to be opened regarding an account that I am not familiar with ( XXXX XXXX XXXX XXXX Credit bureaus did not respond with the name and contact individual they with as the data finisher according to my letter requestion correction. I did not receive the verifiable proof used under FCRA 15 U.S.C. Sec 1681 ( I ) ( 7 ), ( 6 ) ( b ) ( iii ). Under sec 609, provide the Original Court Documentation, with signature, that must have on file before reporting. I requested this to be done because they are causing me harm financially and preventing me from progressing in my endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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 already sent it letters asking the credit bureaus to remove this information and theyve failed to do so in a timely manner

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 2016-12-16
Company: CITIBANK, N.A.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XXXX/XXXX/XXXX, I received a copy of my credit report and Citibank N.A . or Citibank XXXX is showing as an inaccurate account. I called to speak with a representative immediately. I spoke with XXXX and he informed me that the money was sent back from the school- University XXXX XXXX XXXX because I was n't a student. He informed me that the loan was taken out on XXXX/XXXX/XXXX. The loan totaled XXXX for a fall semester.. XXXX then advised that the loan was also sold to the US XXXX at the same time the loan was allegedally returned back from the school.. I asked if he cod end me verification of an account or signed documents that I had a taken out a loan, and that the loan had been sent back from the school or transferred/sold to the US XXXX. He said he could not provide documentation. I asking that the above account be removed from my credit report. I HAVE RECENTLY CONSOLODIATED ALL OF MY STUDENT LOANS WITH XXXX AND THIS LOAN IS NOT ON MY LIST OF COSOLIDATED LOANS. the company name, phone number and address is listed below : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd 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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2017-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have requested Experian to provide me an up to date credit report for the last 2 months so I can verify that the updates that were supposed to be done were completed. Experian stated that they will send me a credit report almost 2 months ago and as of today I have yet to receive it.

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 2019-05-11
Company: Experian Information Solutions Inc.
State: MD
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 not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains stuck on stupid. I make over {$150000.00} a year, yet XXXX says my credit score is XXXX! Please help ... ... ... ....

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-03
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: Information belongs to someone else

Complaint:
I sent in documentation to XXXX, TransUnion, and XXXX that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.

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: Monterey Financial Services LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just recently paid a loan off that I originally opened with XXXX XXXX XXXX back in XX/XX/XXXX. The account was sold to Monterey Financial shortly after I opened the account. Monterey recently reported my account as late 30days, stating I hadn't made a payment inXX/XX/XXXX. I have talked with monterey several times this year and they have never said that my account was missing a payment until today XX/XX/XXXX, when I asked why did I receive a late pay on my credit report at the end of my loan payment which I made on XX/XX/XXXX, for {$190.00}. I was told by the rep that I missed a payment in XX/XX/XXXX, and that the missed payment is the payment I made on XX/XX/XXXX, and that is why we reported you late 30days from XX/XX/XXXX. I received this correspondence via email on XX/XX/XXXX, after 2years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX XXXX, I received a divorce degree from my wife and was awarded the marital home by the courts. However, after seven months of seeking to assume the full mortgage in my name, XXXX XXXX refused to refinance or remove my wife 's name from the mortgage and acted in bad faith throughout the negotiations by delaying any attempts for me assume the title and mortgage for the home even though I provided them with copies of court records, divorce decree and financial statements to prove my " financial fitness. '' In XXXX XXXX, I signed the house over to my former wife and left the home after XXXX XXXX said I was unable to pay the mortgage after the divorce although I had maintained the mortgage and maintenance of the house without a missed payment for 15 months. During our marriage, there was never a late or missed payment of the mortgage. When we obtained our original mortgage from XXXX XXXX, we also became involved in a dispute whereby a white XXXX XXXX employee refused to accept our application for a mortgage when she learned that I and my wife were XXXX. We had no problems with our credit or other applicant information until I corrected information on our application that had misidentified me and my wife as " XXXX. '' It was at this point, that the XXXX XXXX representative refused to complete our application or return our calls. It was only after we complained about these actions to XXXX corporate office and threatened legal action concerning the company 's well-known past actions to redline XXXX customers did we get a positive response from the company and completed our mortgage agreement. During my application for mortgage assumption, the XXXX XXXX representative told me that I should have no problem assuming the mortgaged after paying a {$1600.00} assumption fee, but after submitting my application I received a letter in the mail a week later saying my application was denied. Since then, XXXX XXXX has also refused to allow my former wife to assume the mortgage and has kept both our names on the mortgage and credit reports although we have been divorced now almost two years. Their actions have had halted my efforts to purchase a new home with a low-interest rate and has negatively impacted by credit report because my former wife has not kept up with the payments. In addition, although the company says that I am a mortgagee, it has refused to give me online access to the account and tax records.

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 2016-08-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX requested a copy of my credit report on XXXX but I did not apply for anything through them ( or anyone else ). It caused my credit to drop XXXX points.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.

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