BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-09
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CitiMortgage owes me an funds for overpayment. Multiple unknown and unauthorized transaction activities have occurred since at least XX/XX/XXXX. Loan originated XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Santander Consumer USA Holdings Inc.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2020 my account with Gateway One Lending was closed. I have not received any kind of documentation on information as to who the loan sold to or who is servicing it now. I made a payment to Gateway One Lending for XXXX in the amount of {$500.00}. I was not aware the loan was no longer being serviced by them and unable to get ahold of anyone with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: National Credit Adjusters, LLC
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  neglected to verifyValidate the account from NATIONAL CREDIT ADJUSTERS before placing that heavily manipulated inaccurate account on my credit report. XXXX  XXXX XXXX XXXX was the original debt collector for the account # XXXX that reported a past due balance of XXXX. The ORIGINAL CREDITOR is/was XXXX XXXX. This closed XXXX XXXX account was originally DELETED from my credit report. After the deletion NATIONAL CREDIT ADJUSTERS purchased the CLOSED DELETED XXXX  CASH ACCOUNT # XXXX from AD XXXX XXXX SERVICES. NATIONAL CREDIT ADJUSTERS THEN RE-AGED the XXXX year old CLOSED/DELETED/XXXX XXXX account # XXXX and reported this transparently manufactured Cliosed/ Deleted XXXX XXXX account to XXXX  and the other credit agencies as a NEW/RECENT COLLECTION WITH A PAST DUE BALANCE CLOSED ACCOUNTS MAY NOT BY LAW REPORT BALANCES AS PAST DUE. NATIONAL CREDIT ADJUSTERS MAY NOT LEGALLY REPORT A PAST DUE BALANCE OF {$1500.00} due. Because, The ORIGINAL CREDITOR XXXX XXXX  originally reported a past due balance of XXXX. That is double jeopardy. ONLY ONE CREDITOR MAY REPORT THIS past due balance. Because XXXX XXXX first reported the {$1500.00} past due balance. Any following debt collectors are EXCLUDED from reporting this XXXX dollar past due balance. It is illegal to RE-AGE accounts. It is a violation for XXXX  to not independently investigate the dispute that I submitted relating to NATIONAL CREDIT ADJUSTERS. It is a violation for XXXX  TO REPORT INACCURATE ACCOUNTS/ INFORMATION on my credit report. XXXX  has gotten extremely comfortable with ignoring the FCRA regulations/ and guidelines in which XXXX  must abide/adhere to. XXXX  reckless credit reporting and mishandling of my disputes is gross negligence. I will continue to dispute this and any manipulated flawed doctored account until it is correctly and permanently removed. XXXX  should be held accountable for purposely/knowingly assisting in damaging my already fragile credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: I.C. System, Inc.
State: MO
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:
a dept owed was payed to   XXXX   and since  XXXX  separate companys were used to collect on my dept the  XXXX  I payed shows my account closed the other shows it closed but will not give me a pay off statement to show to  XXXX  that I payed the account this company is a terrible collections agency

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 2022-09-01
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance. 

Sincerely, I.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an XXXX XXXX card through Synchrony Bank. I received a denial letter on XXXX/XXXX/XXXX stating XXXX XXXX reported a credit score of XXXX On XXXX/XXXX/XXXX, XXXX XXXX provided me with a credit score of XXXX. Synchrony denies me credit everytime I apply for any type of credit card they offer. Where did Synchrony get a XXXX credit score if XXXX XXXX is reporting a XXXX credit score. Something is VERY WRONG.

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 2022-09-01
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 XXXXXXXX Account XXXX XXXXXXXX violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2019-11-29
Company: Aargon Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX XXXX-Acct # XXXX, ( XXXX ) was removed from my report on XX/XX/2018. In the amount of {$2100.00}. Now I have another company AARGON AGENCY, Acct # XXXX, calling me telling me that I owe them the {$2100.00} as of XX/XX/18. It was removed for a reason. I dont know how this agency got my file to now harass me over a debt that was removed from my report 19 days after it was- DELETED & REMOVED ( see above date ) I have proof showing it was removed and then added again under another collection agency. Please remove XXXX XXXX ASAP, they  are the ones calling and harassing me. I settled with XXXX XXXX XXXX ( XXXX ) And disputed that with you guys and you had it removed, so kindly do that to AARGON AGENCY, they can not double dip. Thats FRAUD!!

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 2017-03-10
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I had a balance of {$6200.00}. I made total payments of {$5300.00}, PLUS Citi credited my account {$840.00} for a fraudulent charge. This equals {$6200.00} in payments and credits. Remaining balance was {$0.00}. Citi is charging me interest for the fraudulent charge.

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 2022-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/2020 capital one keeps lowering my credit sore and thur XXXX one of my debts was resolved. I've been making my capital one payments on time and just paid off my credit card for rebuilding my credit. With capital one I started close to XXXX now I'm down too XXXX to spite paying and being able to show proof of all that was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: MD
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:
For the past three weeks some SPAM company has been trying to hack into my XXXX  XXXX XXXX Banking Account! The Bank has already given me the max. of User ID and Pass Codes allowed! My Account is now suspended until I get what the bank called a XXXX XXXX XXXX removed from my Computer! Which I am in the process of Doing! In the meantime! Experian Credit bureau Advertised to Boost your Credit Score they wanted to access your Banking Information to retrieve Utility Payments made on your bank Account! So I Did! I gave them my banking information and my Credit Score went up 10 points! BUT! Every since I did this, This unknown SCAM COMPANY Has Been trying to Access my Banking Information to withdraw funds from my Bank! A Coincidence OR WHAT?? WHY all of a sudden since I gave EXPERIAN my Banking Information is my Banking Account being De-Defrauded?? XXXX  XXXX XXXX 's Security Department told me : " Someone, somewhere has compromised your Banking Information '' REMEMBER! Experian was already Found Guilty for Fraud by the Government Once already! So Is this their new Scam or what?

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 2017-05-22
Company: Focus Holding Company
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is reporting on all    XXXX    credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Santander Consumer USA Holdings Inc.
State: NC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Caliber Home Loans, Inc.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX my mortgage was involuntarily sold to Caliber Home Loans.I find Calibers monthly statements to be confusing, and phone support to be virtually non-existent. XX/XX/XXXX, Caliber made statements on phone that were not reflected on following statements.They finally stopped taking my calls.As a result, I filed a formal complaint with XXXX on XX/XX/XXXX XXXX attached ). After several tries, XXXX got the issues resolved. However, at no time, did Caliber communicate with me, nor offer an apology. A year later, XX/XX/XXXX, basically the same issues happened again XXXX perhaps retaliation ), resulting in a just submitted second complaint to XXXX XXXX attached XXXX. 
Unfortunately, the XXXX has also began ignoring my calls, necessitating this complaint to the CFPB. Can you help me with my current complaint, as well as continuing problems with this horrible mortgage company I am stuck with, whose statements are always confusing, sometimes inaccurate, and whose customer service is non-existent and getting worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Alorica Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX and in poor health. Though on the Do Not Call list, I continue to get recorded robocalls from this company. If i answer, they want to put me on hold. If I do not answer, they never leave a message. Caller ID shows Global Rec Sol. My research indicates they are agents of Global Receiving Solutions, a wholly owned subsidiary of Alorica. I have absolutely no business relationship with this company and have never owed a debt to them or any other company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Capital One did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Capital One has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Exeter Finance Corp.
State: SC
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:
I had a car with Exeter Financial Corp that had a remaining balance. I contacted them and they gave me their debt collector information, XXXX. They agreed on a settlement amount of {$1000.00} and the debt would be resolved and removed from reports. I paid the settlement in full XX/XX/2020 and was told it would be updated 30 days. However, the account from Exeter is still showing delinquent on all 3 credit reports. This account is hurting my good credit standings tremendously. I've reached out to them several times to update this information but still have not received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: WA
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 Thursday XX/XX/XXXX, I called Experian and XXXX  because there are three accounts that are reporting on my credit report that I feel are inaccurate. I am not sure where these accounts came from and it was recommended to me to write a letter to the credit bureaus asking them to investigate these accounts. When I called Experian and XXXX, they both stated that they never received anything from me. 
On XX/XX/XXXX, I sent letters to XXXX, Experian, and XXXX. The letter to Experian was sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XXXX XXXX. The letter to XXXX  was also sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XX/XX/XXXX. 
A few weeks later I received a response from XXXX  stating that the accounts in question were deleted and removed from my credit report. I have never received a response back from Experian or XXXX. I continued to send letters to them on XX/XX/XXXX and XX/XX/XXXX. Still no response from either company. I was highly upset when I called them, and they claimed that they did not receive anything from me. When I first sent letters to them, I included a copy of my drivers license and my social security card. I am concerned that these may have fell into the wrong hands at one of these companies. 
I feel that my rights have been violated under the Fair Credit Reporting Act, please comply to my request and remove the information that does not belong to me. You can see the accounts that were disputed on the attached documentation.

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 2017-05-24
Company: EQUIFAX, INC.
State: NJ
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:
Equifax  Tax Lien Federal  I have on several occasions sent notes to the reporting company to remove derogatory information from my credit report. While there where  XXXX  items I requested they remove and supplied them with all information regarding both they removed  XXXX  and to date still have not removed the  XXXX  item Notes and information was sent thru Post Office mail on   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  and  XX/XX/XXXX   every time I check my report thru  XXXX   XXXX  this  XXXX  item is still there even after I explain the law that said this was to have been removed with in 30 days of it having been satisfied. I got this information from the IRS web page. I understood this to have been removed in    2012  and now 5 years later it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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:
They are reporting false information in my credit report and say it has been certified, and refuse to show what proof they have ( XXXX loan late which I have never had with this bank )

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 2022-04-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Citibank Executive XXXX XXXX card has a benefit that reimburses up to {$100.00} for TSA Pre-Check enrollment and renewals. I received my renewal for XX/XX/XXXX from the TSA in XX/XX/XXXX. I charged the fee to my Citibank card and Citibank has not processed the reimbursement. They advised that I could not renew until XXXX XXXX XXXX XXXX XXXX from my last benefit received. That would have required me to wait to renew and be in danger of an expiration. The window to reimburse is unfair and deceptive as it should be known that the TSA solicits renewals at 6-7 months prior to expiration. Also this XXXX XXXX XXXX XXXX XXXX requirement is not published on the Citibank website displayed to consumers considering and applying for the credit card.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-29
Company: Total Card, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want to see proof that this my debt a signature or a ID or something I just keep getting statements saying that the company verified it but there is no proof

Company response to consumer: Closed with explanation