BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
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:
This is my NUMEROUS complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$22000.00} ; XXXX Inquiry Date XX/XX/2022

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 2016-06-24
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX XXXX XXXX miles ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months, purchase of {$1000.00} with debit card ) of the bonus and did not receive it.. I was told via secured message I would receive the miles by my XX/XX/XXXX statement, and in an online support message that I would receive the points by XXXX XXXX. I messaged today to confirm and was told they were not planning to honor their original promise.

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 2015-09-10
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Citi Bank let someone else open a credit card under my name in XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts in XX/XX/2017. After I read about Citi Bank online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.

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 2016-09-06
Company: Media Collections, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX collection companies claim that we owe them a small amount but will not provide supporting documentation. The name on the collection letter is similar to ours, but that name was actually used by someone infringing on our trademark several years ago. 
For the past 2 months, we have received collection letters from different agencies and same account number. I have requested supporting documentation ( email and written ) in both cases but have not received a reply.

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 2016-03-03
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Citibank HELOC team informed me that they would correct my late payments once my account was up to date. The representatives were trying to help me modify my HELOC. The process did not work and I ended up paying every penny back on my own. It 's been a while and I am trying to buy a home, my mortgage broker told me this account is holding me up. Can someone help me? Please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: HYUNDAI CAPITAL AMERICA
State: AR
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:
My social security number was unauthorized usage of applications and fraud inquiries appeared on my XXXX credit report.

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 2021-08-01
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent two debt validation letters to Transfinacial in regards to two medical collections that are reporting on my credit report. Instead the company sent me a detailed list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, and XXXX is reporting an account that is not mines. I have files a police report, filed an identify theft report with cfpb and Equifax continued to report the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: MO
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 submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit report.

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 2016-07-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
Our Costco card was transferred from XXXX to Citibank, all communication to us was that it should be 'seamless '. The card went active on XXXX and the first time I signed in to set up the account was XXXX ... only to find out that our due date for our first bill had already passed, no notification ... nothing! They transferred my account transactions, but my autopay that I had set up was not transferred. I immediately paid the full balance ( before the next statement came out ) and when I received my statement there was an interest charge of {$12.00}. I called their customer service and asked for it to be removed, but they stated that it could not be done. I asked how I could ensure that no further interest charges could happen, and they tried to double talk me about average daily balance, etc. They obviously did not want to provide me clarity as to simply ensure that I will not get any more interest changes. I went online to pay any remaining charges off ( and then some to ensure that I would not get hit with interest on any pending charges ) and their system would only let me pay what for what was posted. So based on the reps description, I need to sign in every day now to pay the posted balance so there is no average daily balance ... and stop using the card until it is at {$0.00}. This is insanity. Either my autopay that was set up with XXXX should have worked, or Citi should have transferred that information over. Costco chose to change companies that it worked with ( to seemingly a horrible company in Citi if their customer service is any indication ), and it ended up negatively impacting me as a customer. An unbelievable unfair practice ... I pay attention to my finances, I 'm sure that there are many others who are more laissez-faire who are getting negatively impacted without notice.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: TX
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 have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the late payment from this account : XXXX XXXX XXXX XXXXXXXX

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 2021-08-01
Company: NBT BANCORP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021. I sent a letter to the company to validate the debt and now it is XX/XX/XXXX and still have not received a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC SYSTEMS VIOLATED CONSUMERS RIGHTS. CONSUMER MAILED AFFIDAVIT OF TRUTH TO IC SYSTEMS. TO DATE CONSUMER HAS NOT RECEIVED A 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 2016-12-20
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Convergent Outsourcing, has made repeated calls to this phone number and have been told each time to never call this number but they ignore those requests. Called Convergent Outsourcing from number found from online search, they refused to state the nature of their business or why they are calling. 
Attempted XXXX times to use their format on their website to place our number on do not call but page always fails to complete process with error messages. 
Then called provided XXXX customer service number to report this problem and am refused service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Civil conspiracy in the ILLEGAL FORECLOSURE PROCEEDINGS against our home -- AUCTION SALE XXXX XXXX, XXXX. PLEASE HELP! 
QUALITY LOAN SERVICE CORPORATION.. 
1. Issues a Trustee Sale postponement Notice with Trustee Sale # that is ambiguous. 
2. Internet Listing shows XXXX..yet Quality 's information is surreptitiously imbedded within the XXXX listing provided by XXXX. 
3. Aware that Alleged Account with XXXX is NON-existent. Reason it blacks out this information from its copy of Note allonge in XXXX XXXX. 
4. Collection attempts with Fake trustee Sale # in XXXX, harassment and threats of sale even without a Notice of Default on Record. 
5. Subject to Mail Fraud by its " correspondence using XXXX letterhead '' but mailed from its XXXX XXXX headquarters. 
6. False Claim as a trustee in XXXX in its foreclosure attempts with no proof. Substitution Trustee recorded later in XXXX - also no proof, evidence of robosigning, CA XXXX XXXX XXXX. XXXX XXXX. 
7. Fails Debt Validation requirements. Subject to Collateral Estoppel. Ignores cease and desist Notice pending resolution of alleged debt. 
8. Reasons " it is the trustee '' -- and has no responsibility for Debt Validation. 
9. Reasons the Court will resolve XXXX complaint herewith ... YET -- it files a non-monetary status.. '' excusing itself from an Answer and further participation in the lawsuit.. '' 10. Continues its deceptive tactic of internet postings " Listing Provided by XXXX '' on XXXX ... but its information is surreptitiously imbedded within the page. 
This internet listing continues to attract " buyers unawares '' with the upcoming foreclosure auction sale XXXX XXXX, XXXX. 
Please find attached Complaint details, in parallel with Complaint filed against XXXX XXXX XXXX, XXXX, CFPB Case number XXXX. Also please reference CFPB case file XXXX lodged XXXX XXXX, XXXX -- before Quality " wilfully and deceitfully '' records the Notice of Default XXXX XXXX, XXXX -- for a DISPUTED Debt. 

Thank you for your urgent investigation and appropriation of enforcement action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Over the last 5 to 10 years I have XXXX credit cards that eventually were bought out by Synchrony Bank. I had one account that was closed that I have had open and current for over 5 years and the other for 1 year. Payments were to Rooms to Go, HH Gregg and Belk were always paid on time and or paid in full. The accounts were closed without my knowledge and without reasoning. Again I always make on time payments and due to this fact it hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: WASHINGTON FEDERAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I tried to make two payments to XXXX on the website. The payments were successfully made five minutes from each other. However, the bank only accepted the mortgage payment of {$1200.00} and rejected the cost to the principal for {$1500.00}. I tried to pay {$1500.00} again the following day, and the bank rejected it again, saying I did not have the funds. I contacted the bank and sent them a screenshot of my balance confirming the funds in my account. But they declined to accept my payment to the principal. I called again to XXXX XXXX, and they told me to wait a week to see if the system will fix itself. today, XX/XX/XXXX, I tried again to make a mortgage payment. The online system does not disclose my XXXX account information to make an external transfer. When I enter the bank information again, the system gives me an error message saying that the account is already in the file. Today I contacted the online services. I am at the end of my loan and want to pay off my home, but XXXX is making it very difficult to block me when I see money to the principal. I want easy access to the external transfers and XXXX to follow my payment instructions. If I instruct to add money to the principal, it should go to the principal. Not to pay fees or the 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 2016-10-04
Company: OLD NATIONAL BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage on a house XXXX. When I moved back XXXX, I rented out the house. After being denied the pay that was due me and being fired when I filed a lawsuit to collect, and a tenant that did not pay, I could no longer afford to keep the house. I also had to put my primary residence on the market. I stopped paying the mortgage in Wisconsin and contacted the lender. I requested to do a deed in lieu of foreclosure. I was told that they would not accept that if I did not put the house on the market. I finally talked them into considering it, but they sent me as much paperwork to complete as if I were buying a house. I spoke to them again and said that I did n't have everything they wanted and they said that they would not consider the deed in lieu without it. Someone contacted me to potentially buy the house on a short sale so I contacted the bank again. Same paperwork and they would not consider it without an offer in hand. The potential buyer did not want to go through the formal offer process without knowing that the bank would consider it. I still can not pay the mortgage and they will still not accept a deed in lieu and are moving forward with foreclosure. I now need to deal with their attorneys. I can not use the XXXX Foreclosure Mediation Program because it requires you to be there in person and I can not afford the trip.

Company response to consumer: Closed with explanation