BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Trans Union is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-03-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld system wants tonvolletc a debt owed to a medical.company in the amount of XXXX they discussed my medical procedure which I'm not sure how they knew about it because I dont owe transworld. I never had a medical procedure with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NY
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 am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on ; 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 2022-04-12
Company: EQUIFAX, INC.
State: NY
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 am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on 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 response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other

Complaint:
We have had our Macy 's credit card for ever and for the last few years we have been able to log into our account online to check our balance and make payments and check our statements. For that past 3 months or so we have not been able to get into our online account and when we call Macy 's credit card phone number we end up speaking to someone in XXXX who tells us that there is a software glitch and that they are working on it. On two occasions we asked to have our statement changed from paperless to paper statement so we could see our transactions, which has not happened yet. Our account is in great standing with a {$7000.00} credit limit and {$230.00} balance, so I know it is not our credit standing with them. We want to have online access to our account or a true explanation of what is going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My HOA in Virginia changed management companies, and my payments were never credited to my account, so the HOA said it would file a lien against the property. In effect, it filed a collection that became a default judgment. I hired an attorney to set this aside ; she failed to do so, even when I paid all the payments they said I owe. The HOA attorney actually filed a removal of the lien. My attorney did nothing. ( I dispute that I owed the total, but I was more concerned with my credit report so paid even when in effect I XXXX the HOA. ) To date, this " judgment '' is still on my credit report, even though it should have been removed. I 'm attaching the " removal of judgment lien. '' My question now is whether I have to hire another attorney to set aside this default judgment and have this stain removed from my credit report, or will this " removal of judgment lien '' suffice? No one is answering my queries on the matter. I even disputed this with Transunion but they did not allow uploading of info so it 'll likely go nowhere. Thank you for whatever help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Account information incorrect

Complaint:
On XXXX I went to XXXX XXXX XXXX XXXX for the reason to purchase a vehicle. The funds being used were from a certified check verified via telephone by XXXX XXXX, Finance ManageXXXX for XXXX as I sat at his desk. Once the funds were verified, XXXX XXXX who I was told doesnt work there anymore, began printing out the paperwork to transfer the vehicle into my name and any other paperwork needed for the transfer of my vehicle. Before signing any of the paperwork, I ask XXXX XXXX if they would be running my credit because one of the papers that was placed in front of me looked like a credit application. I asked to make sure that this was a cash purchase and informed XXXX XXXX that I did not want my credit ran, being that being that I was in the process of building credit and shouldnt have my credit ran on what was equal to a cash transaction. XXXX XXXX assured me that there was no need to run my credit because as I heard when he called to verify the fund, that the funds are indeed verified via the earlier call. With that reassurance I signed all the paperwork XXXX XXXX placed in front of me and drove home an hour later in my XXXX XXXX XXXX. 

XXXX I call up to XXXX  XXXX to inquire as to why I still have not received the license plates or title to my vehicle. While on hold I see the consumer credit contract or retail installment sales contract that shows that I financed the vehicle and made one payment for the total amount of the vehicle. I inquire with XXXX the new Finance Manager, as to why they would document a cash transaction as if I financed the vehicle. XXXX informed me ( 7 months after purchasing the vehicle ) that they indeed did run my credit and the reason that the company does that is in case the funds from the check were not available. Again XXXX XXXX called and verified the funds right in front of me so I immediately pointed that out and addressed the violations including identity theft with him before ending the call. XXXX did not have my permission to run my credit at all. XXXX should not have falsely recorded what is equivalent to a cash purchase as a retail installment loan when there was never a loan that XXXX XXXX provided me. 

There was no reason for them to run my credit. There was no reason to open a retail financing contract when the vehicle was paid in full with a verified check. If they did have a company policy to the contrary that was not disclosed to me and should have been as soon as i told the finance manager that i did not want my credit ran. 

I am rescinding any signature that gave this fraud validity due to the fact that full disclosure was not present even when the opportunity arose to present it was addressed by me demanding that they not run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Conn's, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Conn 's XXXX recieved a claim to verify an alleged debt. Pursuant to 15 usc 1692g ( 4 ) as of XX/XX/2021 I have not seen nor am I aware of the validity of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Around XXXX to XXXX, I obtained student loans in amounts totaling about 23000. in XXXX these loans were consolidated with a American Education Services ( AES ) which called me over the phone and offered to help me with my repayment. I was set up for a payment plan that i thought was manageable, between XXXX and XXXX, but I did not know that it wasn't actually paying off my loan. I was only paying interest for about 10 years without any actual change. In XXXX I decided to consolidate with Fedloan and attempt to enter the Student Loan Forgiveness Program. During the re-consolidation I entered into delinquent status for not making the  regular payment on my loan, but I wasn't getting any feedback from the new loan holder Fedloan. Little did I know that these two companies are one and the same, and they could have both easily seen the status of my account. Of course this affected my credit score. But the worst part was that somehow my loan was compounded from an original balance of XXXX to XXXX when Fedloan took it over, which is close to what I still owe today. I have paid {$10000.00} total to fedloan, but have only paid {$2500.00} on my principal since XXXX. When I look at my payment history i see several months of payments going straight to the interest but nothing to the principal, even when i know I'm ahead on my payments. Meaning it should be going to principal. I believe this company AES/Fedloan/PHEAA is engaging in predatory lending practices and abusing their ability to manage borrowers money. I do not believe they intend on actually assisting borrowers with paying down their loans, but instead keep them confused about what exactly their payments are covering. Also, the fact that they go by different company names and can transfer a loan from one to the other and add several thousands of dollars should also be considered a fraudulent business practice. If i can speak to an attorney and explain my situation i believe i would have a case against this company for their misleading behavior and abusive business practice. i don't believe my complaint will actually help me or anyone else because i have seen other complaints come here to die. It is obvious that the corrupted practices of this company and this " official '' complaint service are nothing more than another dead end/misleading business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank arbitrarily, without notice or more importantly without justification closed my Double Cash account in EXCELLENT standing on XX/XX/2016, simply b/c I disputed a {$32.00} charge for which I submitted detailed information to support the minor dispute. Citi advised me in writing that as a result of its investigation, my dispute was meritorious and it credited my account for {$32.00}. Then it was summarily closed without notice or justification. 

Besides being a loyal Citigold banking customer, I had had this acct for more than a year with 0 % APR on purchases. During this time, the following happened : 1 ) Citi increased my credit limit without my even having to request it. 
2 ) I made more than {$40000.00} in payments in advance of any of it being due b/c of the 0 % APR. 

I called Citi to inquire why my acct was suddenly closed which I learned when I was trying to catch an XXXX home for {$5.00}. The reps were apologetic and after reviewing my acct, could n't explain why except to say that there was a " security risk. '' So I did n't understand why I was n't contacted if Citi noticed suspicious activity. Instead, I was advised to write to Citi 's Office of the President. I have since written twice to Citi, first on XX/XX/2016, and again on XX/XX/2016, when I received no response from Citi. 

It 's impossible and unreasonable to think that after my making over {$40000.00} in advance payments on an acct with 0 % APR that Citi independently deemed as being in excellent standing and increased the credit limit to {$7500.00}, that my disputing a {$32.00} erroneous charge for which Citi issued a permanent credit in my favor would constitute anything but a " security risk. '' Citi 's actions were unwarranted and remain unjustified and have adversely impacted my credit history. I have followed Citi 's instructions to write to its Office of the President ( when electronic communication is the most efficient and expedient way to communicate ) but have received no response. Twice. Citi 's silence can only be imputed as its admission of negligence and its failure to correct its patent error in closing my acct and deeming it/me a " security risk '' without justification or explanation.

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 2016-09-27
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH is altering facts and fraudulently foreclosing on our property. I am attaching a letter they sent us confirming this. We have many pending complaints on this company with the CFPB that have not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 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 2016-07-09
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently opened a Citibank CitiGold Checking Account that was advertised to have a signup bonus of XXXX AAdvantage points upon the completion of two consecutive bill payments and {$1000.00} in debit card purchases. After signing up with the intent to complete these requirements a Citibank representative confirmed that the offer applied to my new account and that I should complete the offer requirements. This confirmation was communicated via their online secure message feature, and I have attached a copy for reference. 

Once I completed the requirements as directed I inquired about the expected delivery date of the earned bonus via secure message and I was told that my account was not targeted and that I would not receive the bonus as promised. This conflicts with what I was previously told and I have already spent a considerable amount of time to meet the requirements as directed. 

Upon receiving this news I insisted that Citibank had confirmed my eligibility and that my case be escalated to ensure that my bonus be credited to my account. Citibank was not willing to escalate the issue and simple replied with the same response already provided. After multiple messages were exchanged in which Citibank would not resolve the issue, I have decided that the next step toward resolution is to file a complaint with the CFPB.

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 2019-02-17
Company: Experian Information Solutions 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:
I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.

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 2017-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion shows on my credit report the amount {$860.00} past due to XXXX University. I have spoken with multiple people at XXXX and they all tell me I do n't owe any more money to the school and my accounts were paid in full XXXX of 2015. 
Trans Union is ruining my life and since their website is garbage, I ca n't file a complaint there.

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 2022-04-12
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX account number 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 in account without my written instruction.

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 for any purpose.

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