BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: R & B Corporation of Virginia
State: VA
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:
There are two reports on my credit from " Credit Control Corporation '', but I have gotten no mailings regarding this debt, if it even exists. I get phone calls that hang up from numbers associated with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: FL
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 Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX ( Listed over 14x ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-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.

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 2016-04-02
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/16 I made a payment by phone to " XXXX XXXX '' of " XXXX XXXX XXXX XXXX '' in amount of {$340.00} -- payment in full for medical date of service XXXX/XXXX/16. This account was paid IN FULL and was NOT PAST DUE. On XXXX/XXXX/16 I received a " transmittal notice '' from " Transworld Systems , Inc. '' stating my account had been submitted for collections due to nonpayment. I have verified with my bank that the payment was successful on XXXX/XXXX/16. The hospital has erred and should have never referred this account for collection. I have left several messages for the hospital 's billing office ( XXXX/XXXX/16 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: MS
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:
So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.

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 2020-11-21
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: Investigation took more than 30 days

Complaint:
I sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XX/XX/2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.

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 2022-08-17
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called on XX/XX/11 to report fraudulent activity, I had tried to deposit a check that was found to be fraudulent unbeknownst to me. I was the victim of a scam. Specifically a gift card scam. I lost {$3000.00} of my money. All of my accounts : checking and two savings accounts were frozen with no access to other accounts not associated with the checking account involved. I have auto draft accounts that are trying to draw from the checking account and now I am getting charged fees because the account is frozen. Additionally I can not turn off auto bill pay entries because I have no online access to stop these auto payments. I was told the investigation would take 10 to 90 days.

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 2018-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attached document! THIS IS NOT A DUPLICATE ; THIS IS IN RESPONSE TO MAIL THAT I JUST RECEIVED FROM THEM BASED ON MY RECENT COMPLAINT. Equifax ignored CLEAR VIOLATIONS that I not only outlined in my other complaint, but that I also PROVIDED TONS OF SUPPORTING DOCUMENTATION FOR!!! They are wasting my time using automated robots to do my disputes instead of having a human being actually pay attention to my disputes! I just got mail a day ago talking about the disputed accounts are 'verified ' and 'updated ' DESPITE THEIR INCORRECT INFO AND VIOLATIONS. For example : accounts reporting OPEN AND CLOSED, CONFLICTING DATES, CONFLICTING INFO in other categories, RE-AGED ACCOUNTS, and more!!! My ID & SS card are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter today from XXXX XXXX saying Portfolio Recovery purchased a account reported under identity theft. In which the original creditor received the theft report & case number from the police department. They sold this debt and it is not mine. I do not have a contract with XXXX XXXX or XXXX XXXX XXXX XXXX, I also feel I shouldn't have to keep sending the same information over again. 
I have requested validation also multiple times from their client to only be sent printed out statements That do not bear any original signatures. This is not a valid debt I do not owe this alleged account & will pursue legal action if placed on my credit report. I also request all copies of original contracts or payments bearing a Real signature. They client rep advised me this account was opened online & they have no contracts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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:
was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX XXXXXXXX {$13000.00} XXXX XXXXXXXX XXXX {$650.00} XXXX XXXXXXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOEXXXX XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i have paid XXXX medical bills that were in collection on XXXX XXXX of 2016 but TransUnion still is not reporting them as resolved.

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 2015-08-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/15 I checked my credit report. There was an adverse account from Sears/CBNA that I knew nothing about. I called the number on my credit report and was told they could not tell me anything about the charges on my account. I was given a different number to call. They also could not tell me anything about the charges but said they would mail me statements. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was always told they were mailing statements. I received nothing. When I called back XX/XX/XXXX, I was told that they could n't find the statements! They would mail me a form to fill out requesting an investigation. I thought I had requested an investigation on XXXX/XXXX/15. 
As of today, XXXX/XXXX/15, I have received nothing. I called back today, was bounced to XXXX different numbers, put on hold by XXXX for XXXX minutes, XXXX for XXXX minutes and told by XXXX that there was nothing she could do, that no supervisor was available and someone would call me. 
I have submitted two disputes with XXXX. I spoke with a supervisor today who said they ca n't request documentation for a write off on someone 's account. He suggested I speak with the creditor! I have been struggling with this for XXXX months and do n't know who else to speak with. I would appreciate any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
i was in XXXX my card was stolen and used i sent proof and disputed the full balance and they only credit a little amount not the whole balance i keep calling and getting the running around and am sick and tired of it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving phone calls everyday because the secured credit card balance is over the limit by {$4.00}. The minimum payment is due on XXXX XXXX, 2016 and it reflects the minimum payment plus the overage amount which totals {$29.00}. I 've been receiving phone calls everyday since the new bill cycle began on XXXX XXXX, 2016, but the bill is not due yet.

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 2017-03-20
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
I had a cash advance offer on my Citicard credit card which expired on XX/XX/2017. I paid the balance in full on XX/XX/2017 however when I received my statement today there is still a balance for the cash advance of {$370.00} which not certain why if the balance was paid in full. Statement billing period was XX/XX/2017 - XX/XX/2017 and I did have other purchases during that time but if I paid the outstanding balance in full why is there still a balance reflected in the special offer?

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 monetary relief
Consumer complaint received 2022-08-18
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a payment plan that was automatically deducted every month and was paid in full. But I am not getting debt collectors calling and mailing that it is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a Citi Checking account which offered a {$400.00} bonus for depositing {$15000.00}. I have done so and still have not received the bonus within the prescribed time period. I would like the {$400.00} bonus credited to my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: IA
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 Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1682 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 furnishings a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1682 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 furnishings a account without 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 2022-01-25
Company: Affiliate Asset Solutions, LLC
State: CO
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:
I sent the company a validation of debt to prove that the alleged debt they say I owe belongs to me and they sent me back a couple of bills and I dont recall any services with this company and theyre reporting the debt on my consumer report by this company illegal action this a clear HIPAA violation and identity theft since I never gave the company permission to put anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my credit report there are three ( 3 ) items that are marked collections that I have disputed with the companies personally so they should be marked as disputes. Two in particular are being disputed for charges I did not make and have disputed on a number of occasions with the companies personally.

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 2020-08-05
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I was quoted closing costs of {$8500.00}. Then my lender went silent. Communications from me were not returned, no one could explain what was happening and my closing date of XX/XX/2020 came and went without an update on why it was not met. On XX/XX/2020 I received loan disclosures citing my closing costs were now {$11000.00}. I attempted to call and ask why the price had increased {$3000.00} and no one was able to explain anything. Upon my own research, {$3000.00} had been added for mortgage points that had NEVER been discussed with me. Here we are on XX/XX/2020 and I still have not closed on my house, I have not received updates, and still do not know when I will close. This company has been unprofessional, unorganized, and this process has been a nightmare. I have had to provide copies of documents MULTIPLE times as it seems they are never given to the appropriate party. My appraisal wasn't even scheduled until XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, my mortgage serviced by CitiMortgage Account Number XXXX was paid off in full. I refinanced with a new 15 year fixed rate FNMA mortgage which was funded on the same date. I had a remaining escrow account balance at CitiMortgage of {$2200.00} as of XX/XX/XXXX. On XX/XX/XXXX, CitiMortgage withdrew {$15.00} from the escrow account. After contacting them via email on their website, they told me via email that the deduction was for a " wire payoff fee. '' The Note I signed on XX/XX/XXXX and the Federal Truth In Lending disclosure I received on the same date clearly state that the loan had NO PREPAYMENT PENALTY. I view this {$15.00} as theft from my escrow account, as it is a de facto prepayment penalty. Despite the small amount, I want this investigated and I want the money refunded to me, as CitiMortgage has refused to do so, despite my repeated contact with them since that date. Additionally, CitiMortgage has been holding onto my escrow balance instead of refunding it to me promptly. They have stated that they do not intend to issue a check until XX/XX/XXXX, which would be 16 days after the loan was paid off. I want a full escrow account refund, including the {$15.00} they deducted for the payoff penalty, IMMEDIATELY. They have had long enough, and I have waited long enough. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My Best Buy MasterCard has always been configured to automatically make payments from my bank account. I have never been late on payments. XX/XX/XXXX, an annual fee was added to my previously current account balance. However, the automatic payment system did not act in its usual fashion, so the account became past due for several months. As a result, over {$100.00} in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency ( past due 60 days ) to appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation