BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
HI. 
I have requested Transunion to remove addresses, phone numbers and employment information that do not pertain to me since XX/XX/2022 and I do not see that they have been removed. 
Please do what is necessary to have those addresses removed from my credit report. thank you. 

Remove address that I don't reside at : XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX, XXXX il XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX il XXXX phone numbers that do not pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employments data : XXXX XXXX XXXX of XXXX XXXX worker traffic clerk

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 2023-02-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
USAA auto has not corrected the inaccuracies on the 3 credit reporting agencies. Balance, status, payment history all inaccuracies. According to the fair credit reporting all information must be 100 % accurate. 15 USC 1681 15 USC 6802 Obligations with respect to disclosure of personal information. The law requires disclosure allowing me the option to opt out of public information sharing. I have not received any disclosure as per the law.

15 USC 6801 Protection of non public information.

Charge off status IRS considers charge off as income.

Please remove this slanderous comment from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: DigniFi
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made an online portal payment to the company in XXXX. 
The payment due displayed was the amount I scheduled. A {$10.00} late fee posted to my account after the payment was made. 

I knew something was wrong because I began to receive email notifications after I paid. I called the company and spoke with a representative and she said {$10.00} was delinquent and it had to be paid before reporting to the credit bureaus. I told her the payment I scheduled didn't include an additional {$10.00} and she said it couldn't be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Grain Technology, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been having a hard time getting in contact with anyone from Grain Technology in reference to there reporting to the credit bureaus. They are reporting negative but I am paying everything as agreed. Can you please make the necessary correction so that my credit report will be as accurate as possible?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a popup on my Citi mobile app prompting me to open a savings account with a maximum incentive of {$450.00} for keeping a balance of {$50000.00}. I tried opening the account through the mobile app but the app was having technical difficulties so I called a phone representative instead. The phone representative confirmed with me that I was enrolled in the offer and I received an email on XX/XX/XXXX confirming my enrollment as well. 

On XX/XX/XXXX I deposited {$51000.00} and never let the balance fall below {$50000.00} until XX/XX/XXXX. 

On XX/XX/XXXX I confirmed the timeline that my deposit needed to stay in place with chat representative XXXX. She said the initial deposit needs to be made by XX/XX/XXXX, be held through XX/XX/XXXX, and that I would receive the bonus by XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX I contacted Citi regarding the status of my bonus and they stated that I was not targeted for the offer and therefore I would not be eligible for the bonus. I received a targeted popup in my Citi app prompting me to sign up for the bonus but evidently Citi has no evidence of this on their end. Perhaps the initial phone representative entered an incorrect promo code, but I had no promo code to give him in my targeted 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 2023-02-28
Company: CL Holdings LLC
State: KY
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:
The date of the account delinquency is shown as 1 year and 8 months old. This account delinquency was originally with XXXX and it was a dispute over the closing charges on the account that I chose not to pay because I disputed their charges. This dispute took place in XXXX, XXXX so it is almost XXXX years old, not 1 year and 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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:
Around XX/XX/XXXX, I missed a payment due to medical issues. It ended up where I had accepted a federal loan modification plan. At this time, I was under the impression that due to the medical issues, under this federal modification, the missed payments would be excused due to the program, but they were not. Furthermore, I was told NOT to pay for a couple of months, and those also were counted against me. 

I am grateful they were able to help me during my medical issues, but I have almost had the house for 7 years now, and due to the program, I basically still owe what I owed when I first purchased the home. I do not feel as if the payments, etc., were fully explained to me when this happened. 

I have disputed this with the XXXX  a year or so ago, and PennyMac confirmed everything as accurate. However, the credit reporting does not match. With the reporting not matching and have being confirmed, I feel as though under the Fair Credit Reporting Act, due to confirming the inaccuracies, these should be removed. 

Items that do not match are as follows : No confirmed payments showing before my first missed payment on XXXX ( affecting payment percentage ) First missed payment shows as XX/XX/XXXX on XXXX, but XXXX XXXX on XXXX  and XXXX Missed payment showing for XX/XX/XXXX on XXXX, but no missed payments on XXXX & XXXX XX/XX/XXXX showing as missed on XXXX, but not on XXXX  or XXXX XX/XX/XXXX payment showing as made on XXXX, but not on XXXX  or XXXX I had previously disputed these, and Pennymac confirmed the information is correct. The reporting bureaus confirmed they were reporting what PennyMac sent in to them. So something is off here. 

Furthermore, I have also received multiple calls from PennyMac to refinance the house, including just recently and having happen about a year plus before that. I feel as though they are trying to leverage this against me, as there is no reason to remove these negatives from my report, to keep the policy as-is or to get me to refinance to a higher interest rate ( due to the market conditions, my credit score being impacted, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX XXXX, I submitted a complaint to the CFPB regarding the persistent refusal of Clarity Services to provide me with the sources of information found upon my consumer report and within my consumer file. I have filed numerous complaints regarding this issue and even spoke with the compliance XXXX after filing a complaint on XXXX XXXX XXXX The Fair Credit Reporting Act clearly mandates that a credit reporting agency MUST disclose the sources of information upon request by the consumer. I complied with the FCRA when requesting this information timely, provided written notice to the address specified by the business entity, and provided supporting and authenticating documents. I have spent in excess of {$500.00}, not including lost wages and lost wage-earning opportunities. The specific items of information which is the subject of this dispute and complaint are items of information stemming from acts of identity theft. See CFPB complaints 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 explanation
Consumer complaint received 2023-06-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My aunt recently endorsed her check to me and it was placed on 7 day hold. When I went to the bank to make a withdrawal I was informed that they couldnt release the funds without contacting my aunt. My aunt who was unavailable at the time. I have an incoming direct deposit and without being informed my account is unavailable for me to view. Please get back with me as soon as possibl with the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/ Balance {$0.00}

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 2023-02-28
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Balance {$760.00} Acct # XXXX XX/XX/2022 Credit bureau association XXXX XXXX XXXX XXXX XXXX XXXX On this date ccompany oped a collection saying I owed this collector I dont know who they are and have no written consent Also they have not verified that I owe this debt to this alleged company! They are violating my rights of the firs as a consumer! Please have removed from all three credit bureau!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: ENCORE CAPITAL GROUP 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:
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 XXXXXXXX, 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this multiple times on my credit report. After contacting the company and asking them to send written notification in the mail I never received it. The most recent contact with them I was told to call XXXX  mobile and they could help me I contacted XXXX and XXXX mobile and they said theres never been an XXXX  mobile account associated with my Social Security number. This company is harassing me. Ive told them multiple times it is not my debt to please remove it from my credit report. My information and data has been leaked 39 times and sold on the dark web. Plus, its over two years old and the federal statute of limitation on a cell phone bill is only two years This is obviously a fraudulent account and a fraudulent attempt to collect a debt. Id like it removed immediately.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a request to correct the following inaccurate information on my credit report provided by Experian. On XX/XX/XXXX, I contacted Experian to dispute the following accounts. However, to this date, I have not received a response from Experian regarding my dispute. 


XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$420.00} ) XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$230.00} ) XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$28000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00}, Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$240.00}, Original Creditor : 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 explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: PA
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:
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. 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 XXXXXXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information 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 2023-03-09
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account on XX/XX/XXXX, using a promotion page where Citi was offering a Tiered Bonus based on the amount deposited to a new Citibank checking account. The offer was a {$1500.00} bonus for maintaining a balance of {$200000.00} or more ( deposit within 20 days of opening, and maintain that balance for 60 days ). 

On XX/XX/XXXX, I deposited {$200000.00}, and to be safe, I added an additional {$5000.00} on XX/XX/XXXX. I maintained a balance of {$200000.00} or more from XX/XX/XXXX to XX/XX/XXXX. I used chat support with Citi in XX/XX/XXXX to confirm that I was on track to receive the bonus, and they responded " as I can see the amount will be credited on your account by XX/XX/XXXX ''. 

On XX/XX/XXXX, after not receiving the bonus, I contacted Citi again using the chat feature and received the response " As I have checked you met all the requirement for the bonus '' and that they would open up a dispute. On XX/XX/XXXX I called Citi after not receiving an update on the dispute ; the representative on the phone confirmed I had met the requirements for the bonus, and explained that there was a delay due to the case being moved to a different agent. 

On XX/XX/XXXX, I received a message from Citi with the message " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. ". After calling Citi multiple times after, they claimed that there was no promotion attached to the account, and did not offer an explanation of why I was told on the contrary multiple times in the past that I had met the requirements of the bonus. 

I would not have opened this account if it were not for the bonus, and if I were not reassured multiple times that I had met the requirements and that I should be receiving a bonus, I would have closed the account earlier. Instead, I opened up a checking account due to their promotion, and kept my money in the account because I was told that the bonus was still coming, but that it was delayed. I have still not received any bonus.

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 2023-01-07
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had filed a complaint. Mohela responded saying that the public records had been corrected and my loans were forgiven so I closed the compliant but when I checked the databases my loans did. It show XXXX as the said they did. They are also trying to deny paying back all the months thats Ive been in forbearance as they stoped counting in XXXX and told me it would take too long to re certify and apply but there has been no break in employment this whole time for me and they know it. I have XXXX payments and they want to only count XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief