BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I am the XXXX and about two years ago we decided to open a Commercial Revolving Charge Account with Home Depot. I had to give my social security number and run my own credit to apply for the credit card. For billing and payment purposes, I gave the mailing address of our Management Company. I recently found out that the Management Company has not been properly managing the billing of this account and some individuals of the Management Company have been talking to the credit card representatives to make adjustments to the charges made to the credit card. Since the credit card information has been exposed to individuals who I do not know and some of them have left the company, I decided to change the mailing address and account number of my credit card for security purposes and start directly receiving the bills. It is here when the nightmare started. 
First, I tried to speak in XXXX but this option was a joke. ( Please, call XXXX and you could verify that the option to talk in XXXX does n't really exist and just skips to English ). 
I decided to speak in English and they were very rude, sarcastic and they were not cooperative with my request. They told me that I had to send a fax from a Home Depot store requesting the changes and I did it. ( Copy and proof of fax is available upon request ). Then I also sent the letter by regular mail and I went to the store where I applied for the credit card but the costumer service over the phone was not even cooperative with store to resolve this issue. 
More than two weeks after my request, I have not received the new credit card yet. I called again today, XXXX XXXX, 2016 and I was informed that I had to fax the request again and they mentioned new requirements in a piecemeal fashion. 
I feel that my rights have been violated and I have been discriminated against the use of my own credit card. I have not been allowed to own and manage my own account ; meanwhile they have been giving authority to other people to make decisions and changes to my credit card without my consent. 
I also feel that I have been disrespected and they are intentionally delaying the process to get my new credit card after I complained for the lack of security and poor customer service, and they have been reluctant to help me upon my request.

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 2020-12-29
Company: EQUIFAX, 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:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX  add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX XXXXI add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
I filed a dispute due to a charge on my Huntington Bank Credit Card that was not mine at the end of XXXX 2016. I have provided them with all the information needed to start my case and received a case number # XXXX. The case manager has tried to contact me by phone and left voicemail messages. When I return the call, I am routed from one agent to the next and have to provide all the details of the case over and over again and still am not able to speak to the case manager. It is clear I will not be able to resolve the dispute without speaking to the case manager, but the agents will not get her on the line for me when I call in or give me her name so that I can request to be transferred to her. This constant run around makes me think they are waiting for me to give up and boot me out of the system as an unresolved dispute since the amount was under {$100.00}. Please let me know if you can help. I can not be the only one frustrated with this lack of communication within the same " dispute resolution department ''. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: AL
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 had my identity stolen. They have ruined my life. These fraudulent accounts are causing me a lot of emotional distress. Please investigate these accounts and remove them from my credit profile.

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 2020-12-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have applied to refinance my mortgage with a new company. The new mortgage company informed me that my Equifax was frozen and that they were unable to obtain my credit score because of the freeze. I tried to unfreeze the Equifax report online but was denied. I tried multiple times to unfreeze via phone but either was hung up on or put on hold for up to an hour. When I did get ahold of a human ( it was obviously being serviced by an overseas customer service person who was very hard to communicate with ). 

I tried to get the yearly free online copy of the Equifax credit report and was denied. 

I would like your help in resolving the problem with Equifax. I NEVER put a freeze on Equifax. I would like Equifax to unfreeze my account and explain how it was frozen initially. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a packet from the FTC and in this packet was an identity theft information packet and in this I turned to the page about reporting identity theft to a credit bureau, and on this page it states that if I submit my affidavit and police report and the bureau accepts it then they have 4 days to block the information or they can reject it and notify me within 15 days to gather more information. Since I never received any rejection letter or communication asking for more information, I conclude that Equifax accepted my affidavit and has broken the law by not blocking the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was just sold to Loancare LLC ( XXXX XXXX XXXX XXXX XXXX ). I received my temporary coupons in the mail on today. I registered on their website to make my monthly payments via the web. When I tried to make my current payment, although I have XXXX days, I realized the company added a {$10.00} fee to my payment. As I read down the page, they charge their customers ( due date is the XXXX of the month ) : On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} This is a scam and has to be illegal. I would like for these guys to be investigated, I 'm sure they 're scamming ALL their customers.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: AL
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 had my identity stolen. They have ruined my life. These fraudulent accounts are causing me a lot of emotional distress. Please investigate these accounts and remove them from my credit profile.

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 2017-01-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a junk debt. Originally debt was with XXXX XXXX XXXX. Made payments from XX/XX/XXXX till XX/XX/XXXX. Midland Funding bought my debt. I called them and they would give me no detail since the debit is currently being handled by there attorneys. Call XXXX XXXX XXXX they have never heard of me nor can they give me any detail on my account from XX/XX/XXXX. I am writing letters like a mad lady to dispute the court records of {$1900.00}. I only owe XXXX approximately {$350.00}. I have my credit union printing out a report of all payments made since XX/XX/XXXX to XXXX XXXX XXXX. They have filed a judgement against me in XXXX Municipal court which I am following up with letters and asking to meeting with a judge. Midland Funding, or there group of attornies, also contacted my old mortgage company with a subpoena to collect my banking information. This is illegal but of course my old mortgage company said they " had '' to give them the detail, and this is a inaccurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I took out a high interest auto loan with a subprime lender XXXX XXXX and XXXX in XXXX in XXXX. I had a balance due after the last payment - due to taking hardship deferments. I paid the balance due over two months - around {$4600.00}. I was reported as making late payments those two months XXXX and XXXX of XXXX, even after the loan maturity date. The company also changed by date of first delinquency from my original first missed payment in XXXX of XXXX, to a XXXX of XX/XX/XXXX. They are reporting this inaccurate XXXX  to all CRA 's and all disputes have been ineffective at removing this XXXX XXXX XXXX loan that has been paid in full and closed. Please help as I have gone through the company and all three CRA 's with no 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 2022-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I submitted to transfer money from my Citizen 's online savings account with their bank to bank transfer service. I submitted a request on XX/XX/XXXX to transfer money from my XXXX XXXX XXXX Account of {$4000.00} to my online Citizen 's online savings account. I received this email on XX/XX/XXXX : Transfer Details Item # : XXXX Amount : {$4000.00} From : XXXX XXXX XXXX, Checking XXXX To : Citizens, One Deposit Savings XXXX dotted line For security reasons, your funds transfer request from XXXX XXXX XXXX, Checking account to Citizens, One Deposit Savings account has been stopped. 

As a policy, we need to review the transaction. In order to complete this review, it is necessary for us to speak with you. Please contact us at your earliest convenience at XXXX between the hours of XXXX XXXX  and XXXX XXXX EST. 

Sincerely, Customer Service I got busy at work and being on vacation and I was unable to contact Citizen 's until XX/XX/XXXX when I noticed the {$4000.00} was not refunded to my XXXX XXXX XXXX Account. The gentleman informed me that the transfer didn't go through to Citizen 's and I needed to contact XXXX XXXX XXXX to figure out where the money was. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they informed me they needed a XXXX # from Citizen 's to locate the money. I contacted Citizen 's on XX/XX/XXXX and I spoke to a XXXX who is a XXXX at the XXXX branch and she informed me my bank to bank transfer service with Citizen 's was locked and {$4000.00} was on hold and she could not provide me a trace #. She instructed me she would check on this matter and contact me by phone on XX/XX/XXXX. She did not contact me on XX/XX/XXXX. I contacted Citizen 's again on XX/XX/XXXX and was told the {$4000.00} never came to Citizen 's and was with the transfer system ( XXXX, I think I was told name of the company ) and I was provided the following trace # XXXX. The gentleman at Citizen 's instructed me t contact XXXX XXXX XXXX and have XXXX XXXX XXXX request the money back with the trace #. I contacted XXXX XXXX XXXXXXXX  on XX/XX/XXXX and they instructed me that they were unable to locate the money with the trace # and the money was still with Citizen 's and needed to come from Citizen 's. The gentleman at XXXX XXXX XXXX instructed me to post a claim on your site. I am filing a complaint that Citizen 's is refusing to credit the {$4000.00} to my account with their bill pay product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I disputed XXXX, XXXX, XXXX, and XXXX totaling {$6000.00} to citibank cashback mastercard against a merchant that debited my account last XXXX 2015. My mom asked the the merchant to credit my account {$6000.00} through email, for the service was under her name. It was approved by the merchant, and we forward the email to mastercard dispute dept. During that time, citibank mastercard conditionally credited {$3000.00} towards my mastercard. Should it have been a total of {$6000.00}? After several weeks, only {$3000.00} was credited to my mastercard. I called mastercard and asked about the other {$3000.00}. Since then mastercard has not given me a clear answer why my account was not credited. XXXX dispute customer agent said that there could have been a mis-coding. What is this mis-coding? I asked several supervisors later and none would tell me. Mis-coding? 
I have been doing all the calling to resolve this problem. I have talked to many supervisors. All have promised to investigate and call me back and not XXXX of them ever returned my call. I have been ignored constantly. I think that citibank mastercard is avoiding my request. Please help me resolve this problem. From the beginning, I have followed all mastercard 's steps and now something is wrong. Mastercard is not being transparent nor have the many dispute supervisors, who promised to call me back, returned my call, emailed me, nor sent a mail. 
My mother emailed the merchant requesting why the company is has not sent {$3000.00} to my credit card. The merchant has not responded yet. It is their policy to credit my Mastercard account only. It does not send money in no other way. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
This complaint is to inform the CFPB that three different companies are claiming ownership to one account on my credit file. According to the FCRA, this is a violation. XXXX This original furnitureXXXX XXXX XXXX XXXX has fraudulently sold this account to two different collection agencies. LVNV FUNDING, LLC, and XXXX XXXX XXXX XXXX XXXX which I havent had any luck with speaking with a representative. While they are still claiming ownership on my XXXX and XXXX credit files. Making it a total of 3 different companies claiming ownership of one account to the three major consumer agencies. Along with this complaint, I have included screenshots of their fraudulent behavior of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Account status incorrect

Complaint:
I took out a high interest auto loan with a subprime lender XXXXXXXX XXXX XXXX XXXXXXXX in Louisiana in XXXX. I had a balance due after the last payment - due to taking hardship deferments. I paid the balance due over two months - around {$4600.00}. I was reported as making late payments those two months XXXX and XXXX of XXXX, even after the loan maturity date. The company also changed by date of first delinquency from my original first missed payment in XXXX of XXXX, to a XXXX of XX/XX/XXXX. They are reporting this inaccurate XXXX to all CRA 's and all disputes have been ineffective at removing this 9 year old loan that has been paid in full and closed. Please help as I have gone through the company and all three CRA 's with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried several times to have incorrect and incomplete information deleted but it just keep coming back when its clearly inaccurate. Amounts, payment history and dates have been wrong but every time they just keep coming back even though dates dont match history is not reported or reported incorrectly. Please delete.

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 2022-06-02
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
This account has been closed and paid off and is still reporting to XXXX, XXXX and XXXX negatively. All three bureaus are reporting different information and remarks. This account has a {$0.00} balance and should be removed from all 3 bureaus. Ive tried disputing this several times and nothing has been resolved and it is still reporting on my credit negatively costing me XXXX of dollars and opportunities. I would like for this account to be removed from my credit report as it has a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
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: Personal information incorrect

Complaint:
My personal information on my credit report is in accurate

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 2016-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.

Company response to consumer: Closed with explanation