BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
fiance wrote a check from XXXX for XXXX which I deposited in my Citibank account on XXXX/XXXX/16. On Monday XXXX/XXXX/16 I traveled to New Jersey for work and much to my horror when I accessed my Citibank account I was told it was blocked and all funds of XXXX plus were blocked due to suspicious activity. I subsequently was told by fraud dept that there was an advisement on check not to pay. However this is a lie as I also had conversation with XXXX and funds were released on XXXX/XXXX/16. Citibank now states check is good but wanted me to wait until XXXX/XXXX/16 to release funds. When I asked for proof that XXXX ever stated that the check would not be paid the fraud person XXXX became extremely rude and told me the info was proprietary and I was not privy to it and I was also told too bad that I would have to wait until XXXX/XXXX/16 at least until having access to a check that that Citibank knew was good on XXXX/XXXX/16. Needless to say I am extremely frustrated, angry and humiliated by the Citibank 's handling of this matter. The need also to make good on all late fees and penalties that I have incurred.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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 an 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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX, 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 an 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 2022-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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 an 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 explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: NC
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 account name and number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Dept Of EducationXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had 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 : States consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2016-05-15
Company: Foreman Financial Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a vehicle which was a lemon. I was paying thousands to fixed car which caused me to have to file XXXX for this vehicle.i owed under {$12000.00} dollars when I filed bankruptcy. I finally gave up car and went to court with foreman financial over never receiving any mail letting me know the status of car and how much they received from the auctioning of car. They have added fees totally over XXXX and continuing to add fees even though my credit report saids charge off closed now open / charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
A manager at Citibank in XXXX, CA offered me XXXX different promotional bonuses ( XXXX bonus of {$800.00} and a XXXX bonus of 5 times the current interest rate ) if I opened a checking account with {$100.00} and a savings account with {$200000.00} and kept the money in the accounts for 90 days. ( She also talked me into applying for a Citigold Double Cash Reward credit card and told me it was a Visa card, which I needed. When I received the credit card, it was a MasterCard, not a Visa card. ) After the 90 days, I finally received the XXXX bonus of {$800.00} but the branch said they had to file a dispute for the XXXX bonus. I spent over a week visiting the branch and calling Citigold 's customer service number multiple times, and was given XXXX completely different reasons why I had not received the XXXX bonus. The branch manager finally told me that the manager who opened my accounts made a mistake telling me I was eligible for both bonuses and refused to honor the XXXX bonus even though she agreed it was their manager 's fault. I could have complied with XXXX the other XXXX reasons why I supposedly was not eligible for the XXXX bonus, but after speaking with the branch manager, I closed out both of my accounts since it seemed fruitless to pursue the matter any further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
There is an account from MACY'S/DSNB reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity, and also stated that the date of last payment was missing. I also submitted a direct dispute to MACY'S/DSNB. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. 

If an account was closed because it was charged-off, how can it report a charge-off each month? This account is repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the MACY'S/DSNB account on my credit report is reporting inaccurate and incomplete information.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Regarding TransUnion giving away my info

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 2015-09-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Restructured 7 yrs ago while in financial and terminal health crisis. Struggled through laborious process and ended up with a usurious 2nd mortgage with a baloon note. Husband died and I lost 60 % income. Mortgage now is over XXXX monthly income. Have been approached by company claiming to resolve the XXXX underwater position by getting mortgager thru TARP fundes to forgive XXXX. Offerring 2 % fixed over 40 yrs to a XXXX yr old widow if I pay XXXX for their service of applying with mortgager after minimal preapproval data provided. Language of " retainer '' contract indicates failure to provide any further documentation by deadlines can render contract void and no refund of retainer. My children think this is a scam but I am hopeful that there is at least partial truth in the availability of principal reduction with government assistance. I am not impoverished. I have XXXX per yr income but a significant debt structure. I have reduced the XXXX consumer debt my XXXX husband created to less than XXXX today. I am current on all payments but going XXXX in hole each month with only XXXX savings of any kind. I might survive financially another 6 months before having to declare bankruptcy which I consider lacking integrity. I want to pay back reasonable debt but hope that the predatory lending of my mortgager might be remedied to a more reasonable amount. XXXX was the mortgage before real estate market imploded - I have been told FMV is now XXXX. I have a 10.65 % 2nd mortgage with a baloon due in XXXX the 1st mortgage is 4.65 % for XXXX over 40 yrs due XXXX. I need help finding a resolution with integrity. If I must leave my home, I 'd like to do it with dignity. My hope is to keep the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
There are two accounts from Capital One reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity. I also submitted a direct dispute to Capital One. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. I also see that a remark has been added " account previously in dispute, now resolved ''. I am in complete disagreement as I do not believe my issue has been resolved. 

If these accounts were closed because they were charged-off, how can they report a charge-off each month? These accounts are repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can these accounts be reporting without showing the date they were closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the Capital One accounts on my credit report are reporting inaccurate and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax lowered my credit score by a whopping XXXX points. That unchecked action cost me and my kids housing. Our rental application was simply denied as a result of the down grade. Like XXXX working poor individuals with children, I am made the poorer when my hardship is compounded by the actions of a non-government ; corporate friendly capital giant and its practices. Consumers have very little protection. 

Equifax appears to indicate that balance increases in my student loan XXXX ( representing interest costs ) are to blame. Yet, these loans are being paid on time and an American consumer with dependent children should not be harmed when interest rates go higher while the student debt is being paid on time. Moreover, as a community worker, I am in the Public Worker Forgiveness Program established after XX/XX/2008. 

I need the XXXX point swing reversed and for the Bureau ( CFPB ) to establish a policy that will allow consumers the opportunity to challenge or correct a record before they are harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 filed and attached my FTC Report regarding the fraudulent/unauthorized inquiries. I have attempted to fix this issue with TransUnion multiple times.

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 2015-12-01
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Financial Recoveries located in XXXX XXXX NJ. The letter stated that I owed {$40.00}, I called Financial Recoveries at XXXX and spoke with a XXXX and when he answered the call he stated that I was reaching the office of XXXX I could not make out his last name. However he misrepresented himself by not saying that I reached Financial Recoveries. I asked XXXX for an itemized bill and he told me that first they did not have a copy of the bill and that if I wanted a copy that I would need to put my request in written. I explained to him that I work in the collection industry and that they needed to provide me with a copy of the bill whether it is a verbal or written request for proof of the debt. After getting no where with XXXX I asked to speak to his manager and he told me to have a nice day and hung up on me. 

I then went on the internet and got another number for Financial Recoveries XXXX. I spoke to a XXXX XXXX and again when I asked for a copy of the bill he told me that the bill was for a Doctor XXXX XXXX and I explained to him that I paid that bill he then stated that they did n't have a copy of the bill and that I would need to request that in writing. I explained to XXXX that I work in the collection industry and that whether my request for proof of the debt was verbal or in writing that they needed to provide it to me. After XXXX kept over speaking me and telling me that is not the case I asked to speak to his Manager, I was put on a brief hold and XXXX came back on and said I spoke to my supervisor and he told me that what I told you was correct. I then said to XXXX that is no what I asked for I asked to speak to your Manager after several minutes of going back and forth with XXXX I lost my patience because he would not let me speak and when I asked for his Manager again he then hung up on me. 

I then called the doctors office I believe this bill is associated with at XXXX and they gave me the phone number to their billing service in XXXX Pa I called XXXX. I spoke to a man named XXXX XXXX he told me he could not find any bill listed for myself. XXXX then gave me the phone number to customer service XXXX. I called and spoke to an XXXX XXXX he also stated that he could not find any bill paid or unpaid bill listed under my name or social security number. 

XXXX gave me a number for the physician 's billing service and gave me a number to a XXXX XXXX XXXX, I called and left XXXX a message and am waiting to hear back from her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
the Kohn Law Firm at XXXX WI XXXX, has many attorneys, I sent a written cease of communication notice, because I do not deal with 3rd party collection agencies. the 1st atty sent me a fake summons to a real court, I found out it was fake when I contacted the court they did not know anything about it. Then the next atty ( I assume XXXX all I have is the name XXXX on my answering machine ; that calls me once a day for the last few days. I sent each attorney written cease of communication notice. I guess they r pretending that they did not receive them because I did not send them certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fell behind in payments due to medical issues. I was told by Greentree Financial ( now Diatech ) that I qualified for a loan modification. I submitted the tools needed for the loan modification and was denied because I did n't have a conventional loan. I was told to pay {$4100.00} by XXXX XXXX, 2015 by XXXX different people. When I called XXXX XXXX to make the payment over the phone, they told me that I had to pay {$11000.00} plus attorney fees because it is in foreclosure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: Revenue Assistance Corporation dba Revenue Group
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt collection agency would not verify this debt advising it was a personal matter when requested detailed information, would not disclose via written communication nor by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Recovery Solutions keeps reporting and trying to collect on an old account I had with XXXX over a decade ago. I was told that XXXX sold the account to Debt Recovery Solutions. I paid this account completely off. I do not know why they keep reporting this erroneous information.

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 2017-02-04
Company: William D. Meeker Enterprises, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am showing an inquiry on my credit report dated XXXX/XXXX/2015 from the following company that I DID NOT authorize to pull my credit. I demand that this company have their inquiry immediately removed from all credit reporting agencies including XXXX and XXXX. 
Company info : CIC XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX

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