BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
Back in XXXX this year, I scheduled a payment with Citi Card Online banking and on the due date my payment was not taken out by the system and all of a sudden I am immersed in credit card debt, with over the limit fees and interest over the balance and I am not willing to pay. They are ruining my credit. I have another credit card with them in good standing and before this system glitch, I was paying these credit cards. The only other time I had fallen behind payments, was for the same reason, but Citi Card will tell you there 's nothing wrong with their system. But the reality is you ca n't schedule payments to be taken with two weeks in advance, because the system wo n't work. They are ruining my credit and I do n't know what else to do. XXXX, you are my only hope. I have no money to hire a lawyer or take legal action.They are denying this to their teeth without conducting an investigation and checking their own online system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unknown company and unknown debt, please help I have disputed this and nothing has come out of 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 explanation
Consumer complaint received 2020-01-11
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: Old information reappears or never goes away

Complaint:
Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score. 

Do not ignore any evidence of account re-aging. 

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019

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 2022-06-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theres a list of inquiries on my report that were not made by me. I havent inquired about anything over a year and a half. These inquiries are not valid and should be removed. 

Inquiry details XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an agreement with Bank of America over the phone, they have recorded the conversation as well as I did ( this happen by the end of last month ) then on XX/XX/XXXX I got a letter where they state they were closing my credit card account ending in XXXX as a result of this agreement but that wasn't part of the agreement and I don't want my account to be closed, I had made a payment according to the agreement and then they withdraw the same amount, I was very specific about letting the agent ( a woman ) about not duplicating withdraws but they did, Note : the agent was the most professional and polite person from Bank of America in recent years but still they mistakes about withdrawing were done and closing account wasn't mention on that conversation. 

I am requesting please do not close my account I prefer to decline on your offer than affecting my credit even though I don't even have a social security number your balance will be paid as agreed or in full and please return the duplicated withdrawal. 

Bank of America account : XXXX Letter and transaction details are included in this complaint.

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 2021-07-21
Company: Bread Financial Holdings, Inc.
State: GA
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:
Hello i have contacted XXXX numerous times have disputed these inquiries several times. They were not done by me and I have no knowledge of these inquiries. COMENITYBANK/WAYFAIRCARD XX/XX/2020 COMENITYCAPITAL/MPRCCXX/XX/2020 COMENITYCAPITAL/MPRCC XX/XX/2020 these items still remain on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Credit Reporting act XXXX, Accounts Assoiated with XXXX, XXXX, Equifax # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 Its also a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm filing a XXXX complaint against Equifax today arising out of their refusal to remove a XXXX tax lien that was withdrawn by the IRS, which it is now falsely reporting as active. 

( My XXXX complaint is case # XXXX XXXX involves XXXX lien that the IRS withdrew. A copy of that withdrawal is attached for your reference ). 

The IRS withdrew a XXXX lien. ( See attached copy ). Per the attached notice from Identity Guard, received today, Eqiuifax is now falsely reporting that this lien is active. ( See attached ). 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I log into XXXX selected an item to purchase and clicked on type of payment. I have a paypal account that is linked to my bank account. Generally I have a residual balance in my XXXX since I receive payments from family members. Evidently, I clicked on use your XXXX credit thinking it was my residual balance and the next thing I know I get a nasty letter from XXXX saying I have n't made a payment on my account. 
WELL ... ... I never opened a paypal CREDIT ACCOUNT. I have just a regular account that is linked to my bank. So in essence it 's the same as using a paper check but done electronically. This has the advantage of being much easier and secure on the internet. 
I call paypal and they took the amount due XXXX out of my paypal regular account forgave the {$25.00} late fee and closed the account. MY PROBLEM is this reflected in my credit score and history for opening an account I NEVER authorized having a late payment ( which I never have ) and closing an account. This problem is more common that you might think because of the way the " HOW DO YOU WANT TO PAY '' screen. 
I want these transaction removed from my history and XXXX to get their hands slapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt or collection, I have had full coverage for medical bills There is no need for this debt when I am fully covered with health insurance. 
I want these 2 accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: EQUIFAX, 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:
YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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: Information belongs to someone else

Complaint:
YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS

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 2015-11-14
Company: Avant Credit Corporation
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2015 I sought a loan from Avant the loan is funded by XXXX in the amount of {$14000.00} the loan was deposited into my checking account on or about XX/XX/2015. I began to utilize the funds from loan to consolidate credit cards / bills, on or about XX/XX/2015 Avant did a pre authorized debit for the full amount of {$14000.00} from my checking account. This caused my account to fall approximately {$8700.00} negative, I immediately contacted Avant whom informed me that there was a huge error and that they would exspite a return. I continually attempted to contact Avant until about XX/XX/2015 an was advised that the loan remained paid off in full. This forced me to call my bank and file a claim for what suggested a fraudulent activity. XXXX began reversals of the funds and refunded me for various overdraft fees and NFS fees. I had to go approximately 2 weeks while my account remained negative, I was n't able to pay many obligations such as rent or other financial means. XXXX was able to retrieve my funds XX/XX/2015 and Avant is attempting to collect again on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Credit Reporting act XXXX, Accounts Assoiated with Transunion, XXXX, XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 Its also a consumer reporting agency can not furnish a account with out my written instructions.

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 2020-01-11
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Financial Business and Consumer Solutions.
State: WA
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:
On XX/XX/XXXX XXXX I received a call from a collection agency regarding a bill that I have multiple issues with. 
1 ) I never received a statement from original creditor as I had moved and had informed them of this, which they made no attempt to obtain my new address. 
2 ) The last time I spoke to original creditor I requested my account to be closed, told then to keep the {$20.00} balance and then I cut up my debit card. Never used account again. 
3 ) The first time I was informed of this debt it had been sold and I was informed by XXXX of their collectors that I could not dispute the bill. ( this was around XX/XX/XXXX ) 4 ) The next collection agency called me XX/XX/XXXX informing me of bill. I gave them my current address and requested bill and advised the company I was disputing bill but wanted a letter to respond in writing. never received letter. 
5 XXXX Now I have reached the last incident. XX/XX/XXXX Again was contacted by a different agency. Updated my address AGAIN. advised the collector I was disputing the bill and that I wanted a letter. He then informed me that because I was verbally disputing the bill I was not entitled to a letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Have started to notice XXXX XXXX delays applying payment when paying by mail, at least 5 days, can be up to 10, now trying to pay online, and their online payment system is down, so they can collect more interest. this may be coincidental but, the optics look bad.

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 2022-06-16
Company: ALLY FINANCIAL INC.
State: IL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been trying to remove a freeze on my credit reports for a debtor to get them. Even though the credit reporting agencies state that the security freeze have been temporarily removed, the debtor is not able to pull my credit reports.

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 2022-06-16
Company: Bread Financial Holdings, Inc.
State: IL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage is providing conflicting information regarding the date payments post or are received. If you call the automated system it indicated they reveived your payment on XXXX day and when you speak to a representative they inform you they received the payment on a different day ( for the same payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I've reached out to CAPITAL ONE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. 

Account Name : CAPITAL ONE Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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