BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed this FRAUDULENT information several times, only for this company to continuously apply " paid '' debts to my credit reports.. Although, I have n't paid them anything because I do n't have any idea who they are?!! XXXX XXXX has applied tons of paid debts to all of my reports resulting in bad hits on my scores. This company needs to be shut down & I will be suing. You should first validate a debt, identify if you have the right consumer & then apply debts, but definitely not apply bogus debt reporting to anyone 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all XXXX bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX XXXX  was sold to XXXX XXXX. As of last week state farm forwards all call to XXXX XXXX, XXXX XXXX reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to Complaint # XXXX which was opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

I refinanced my loan and the balance with Amerihome was paid in full on XX/XX/XXXX. An escrow refund in the amount of {$4700.00} was owed to me at this time. 

After months of nearly weekly calls with customer service consisting of conflicting information and no resolution, I mailed a notification of error to Amerihome on XX/XX/XXXX. It was received at Amerihome 's XXXX XXXX XXXX XX/XX/XXXX. I never received a response to this notification of error. 

On XX/XX/XXXX, I placed my initial complaint with CFPB, Complaint # XXXX. 
On XX/XX/XXXX, I received check # XXXX from Amerihome that was dated XX/XX/XXXX, but postmarked XX/XX/XXXX. 
On XX/XX/XXXX, I signed and deposited this check with my financial institution, XXXX XXXX XXXX. 
On XX/XX/XXXX, I was informed by XXXX of a stop payment placed on check # XXXX, the balance with immediately rescinded from my account, and a stop payment fee was charged to me. 
On XX/XX/XXXX, Amerihome responded to my initial CFPB complaint referencing check # XXXX. 

As of today 's date, XX/XX/XXXX, I have not received any funds from Amerihome for the escrow refund associated with Loan # XXXX in the amount of {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX established a relationship with GE Capital for what is called " PayPal Smart Connect Debit Card '' ( MasterCard ). I was given a {$300.00} credit limit. The relationship was transferred XXXX to Synchrony Bank XX/XX/XXXX. Hence, the new company has instituted policies that undermine the original relationship with GE Capital. 
My complaint is that Synchrony Bank without written notice XX/XX/XXXX changed my credit ceiling limit down to the exact amount of the unpaid balance of {$130.00}. I use the card for Business & Personal expenses and it is tied to my Social Security number as a Tax ID. Thus, they used my credit report to make the decision. As a result, I closed the account and forfeited my privilege of credit towards my XXXX purchasing. I feel the decision was unfair because I had no payment delinquencies. Now Synchrony Bank is still demanding the minimum {$25.00} monthly payment on a CLOSED ACCOUNT. I intend to pay off the balance, but do not feel there should be a penalty ( late fee ) or demand of {$25.00} since the account can not be used and this is just to payoff a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: CITIBANK, N.A.
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted online by a person claiming to be private money lender for Real Estate deals. I sent from my banking establishment an application which he requested, {$1500.00} to his banking institution with a promise of financing a Real Estate deal. After further consideration, I opted to not go through with the loan and requested a refund of {$1500.00}. I was told the money would be refunded in 42 weeks, which is unacceptable unless all his customers are treated this way.

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 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In my complaint CFPB Case : XXXX I stated I did not authorize anyone to add me to their Capital One card as an authorized user, I never was in possession of that card yet it is being reported on my credit report, I want that account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Kohls/Capital One is reporting a debt on my credit file on my credit file, that I do not owe. 
I recently checked my credit file and noticed this debt, I immediately called to verify this debt and I paid it off. Not once did I receive any notifications about this debt, phone calls, or any letters. This is pure violation of my 30 day right to dispute per the FCRA. I am requesting this debt/account to removed off my credit file for the terms of violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 36 DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2015-04-29
Company: Bilateral Credit Corp, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX debt of {$2300.00} was paid a year and half ago with the agreement that it would removed in 30 days. XXXX personally called, we signed a legal agreement and took my payment of {$2300.00} payment over the phone. The agreement clearly stated they as a representative of Bilateral Credit Corp, LLC they would remove this debt from all XXXX credit bureaus in 30days. I have a called XXXX and XXXX more they XXXX times with no response. 

Every month when I pull my credit report it shows they debt has not been removed, that I still owe the full amount and they I am now 3 months late. 

This is my last attempt to escalate this before I take legally action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I was contacted by XXXX XXXX of Citibank 's Office of the CEO and President ( she reports to XXXX XXXX ). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with XXXX today, she indicated that I only had XXXX days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by FICO to be reduced significantly and now I am XXXX points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do XXXX of the following : -Restore the credit line to the original limit without pulling additional inquiriesor-Remove the tradeline from the Credit FileThis is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $ XXXX to put down. I making over $ XXXX a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The complaint is about Experian. I have a credit freeze placed on each of the 3 credit reporting agencies, and in applying for credit I am removing the freeze from each of them temporarily. While XXXX and XXXX  have provided an efficient means of temporarily lifting the credit, Experian provides a non-functioning website with no means of addressing the problem with them directly. This issue has occurred today, and at this point my credit information with Experian is stuck as frozen. 

See the attached image that doesn't provide the consumer sufficient information for self-resolution.

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 2015-10-14
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have received at least XXXX phone calls from a company with the phone XXXX XXXX. The company said they are a non attorney office of lawyers. Each time they call I have asked for verification of the loan and have never received. This time they said there was an arrest warrant for my arrest or they were filing for it.I am sorry I do n't remember which XXXX as I have XXXX. It was threatening and as always I asked for verification as I felt the loan was paid. They also stated they showed that verification was asked for in XXXX of 2014 but they asked for it since it was just transferred to them. This was a lie as I have XXXX XXXX the number each time and it has been the same agency each call. I want the verification and the threatening to stop.

Company response to consumer: Closed
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: NV
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:
There are several accounts that do not belong to me, nor do I have a contract with. Please remove them from my credit report. Thank you.

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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, XXXX XXXX, sent an Affidavit of Truth to Transunion certified mailed ( XXXX ) and green receipt returned and signed. 

The affidavit of truth states that transition is in several violation of federal law 15 USC 1681b ( a ) ( 2 ). I never gave transunion consent to furnish items on my consumer report. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from a consumer report. Transunion is in direct violation and has violated my rights as a federal Protected consumer

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 2016-12-30
Company: United Collection Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received ER services on XXXX/XXXX/16. I provided my Medicare and XXXX cards for billing purposes. The debt was in the amount of {$1000.00}, XXXX XXXX XXXX never processed a claim according to Medicare but rather sent the bill to XXXX XXXX XXXX. I have records showing my multiple attempts in getting this resolved with both the insurance groups, the medical center and the collection agency. The collection agency reported it on my credit report BEFORE I received their notice to that affect. As a result, I just lost out on being able to refinance my mortgage. Even though I have once again sent claims to both Medicare and XXXX, I paid the balance in full. My 40 yrs of excellent payment history substantiates the fact that I take care of my financial responsibilities. As both a veteran and XXXX federal employee of 30+ yrs, I find this treatment and failure to communicate by all entities involved is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year Account Services started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and XXXX I have n't been able, as they stated that ACcount Services needs to be the XXXX requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a notice of an updated Credit Report from my Dedit Card Company ( Discover Card ) on XXXX XXXX issued by TransUnion. The report indicates that My credit standing went from XXXX in XX/XX/XXXX to Fair in XX/XX/XXXX including all the months from XX/XX/XXXX to XX/XX/XXXX. 

I tried to resolve the issue with TransUnion on their Website and by Telephone to no avail Since I do not have a current USA mailing address. I do not live in the USA although I maintain credit cards and bank accounts in the United States. I provided TransUnion with a prior address that I had used while on vacation sometime back and they did find my credit report, although would not provide me with the information via electronic messaging.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I need for Transunion to investigate the mistakes on my report detailed in the letter attached

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 2022-04-11
Company: Self Financial Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX, Acct. # XXXX allowed someone to use my identity to open up an account. 
It has damaged my credit, and ruining my life. 

They refused to delete account from all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: CITIBANK, N.A.
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am sorry to trouble you with my problems. I am a very strong woman, but I have run across a scenario that I can not manage on my own. CitiMortgage/CitiBank is trying to sell my house through foreclosure, but is n't taking the time to try to help me save my home. The set of circumstances that led me to where I am today were beyond my control and no one at CitiMortgage has been willing to take the time to sort out this problem. 

In XXXX I fell into hard times ... I was diagnosed with XXXX. During this time, Citi Mortgage offered me a loan modification. I was unable to work regularly, but I managed to keep up on the mortgage during my treatments. Inevitably, I could n't continue to keep pace and missed my first mortgage payment in XXXX and started to fall further and further behind. 

This is where it really got ugly. Once I was in XXXX, I sought help but the lender told me I had exhausted all my loan mod options and that the only choice I had was to be set up on a repayment plan. I had no other choice but to accept their terms, so I agreed to the 11 month repayment plan. They set me up with an automatic payment through my bank card. They withdrew XXXX payments and then stopped -- -- Why???? This opened a can of worms. When I found out ( after XXXX missed payments ), I called CitiMortgage and was told I now had to pay " all or nothing ''!!!!! When I was given no options to solve the issue I had no choice but to focus on my situation and stop devoting energy to this. 

Once I was healthy enough to back to work on a regular basis in XXXX of XXXX, I called CitiMortgage again and was given a new representative to deal with. She asked how much I could pay. I told her I could pay {$1000.00} right then and then another {$1000.00} in XXXX. I also indicated I would pay in XXXX the rest to catch up since I 'd be getting tax return money. The XXXX payments were taken, but when I called in XXXX XXXX as planned, this rep said my file was now with the foreclosure attorney -- -she checked with that office and came back and told me there was a sale date and that I needed much more than the {$4000.00} I was going to pay to catch up!!! That 's not right!!! 

My house is now in foreclosure with a sale date at the end of this month!! I have XXXX kids, XXXX with XXXX. This is our home and I feel CitiMortgage has been dishonest and unfair with me. They are trying to steal my home and kick my family out on the streets. I 'm not asking for a handout. I have recovered from the hardships that started this mess, but I need to get some cooperation ( and decency!! ) from this lender. I would appreciate any assistance that leads to saving our home and keeping my family where it belongs. Thank you.

Company response to consumer: Closed with explanation