BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a Chapter XXXX Bankruptcy on XXXX XXXX, XXXX which was subsequently discharged on on XXXX XXXX XXXX. Citimortgage possessed a junior lien, {$72000.00}, on my property that was subsequently stripped by the Chapter XXXX Bankruptcy Judge on XXXX XXXX, XXXX due to the property being upside down. The last payment on this account posted on XXXX/XXXX/XXXX. Throughout this ordeal, Citibank Bankruptcy reGoing further, Citibank accepted a payment in error of {$380.00} and was subsequently ordered to refund the payment as it was sent to the in error by the Chapter XXXX Trustee. This payment was credited as a returned payment on XXXX/XXXX/XXXX. Citimortage never received a payment after this date and per the order from the bankruptcy judge, their lien was removed from the property as the property was upside down in value. Citibank has reported the wrong amount owed as well as the last payment made to the XXXX major credit bureaus in an attempt to re-age the account. I have reached out to this company numerous times. They have refused to update their records. They are in fact violating the law as their claim was stripped and reporting the total amount of the debt to be approximately XXXX dollars which is inaccurate.

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 2015-08-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello I received an unexpected letter saying I owe XXXX XXXX XXXX and I want to file a FRAUD report. Someone used my name and information and false charges etc. I 've never owned a credit card since 2007 and got all my debts paid off under XXXX XXXX XXXX. Now this letter proves that someone is using my information and applied credit without my authorization. The XXXX account # XXXX and my name is XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXThe best way to email me is : XXXXXXXXXXXX or call through an interpreter that is already jointed XXXXPlease advise how to handle this serious matter. This is XXXX worth of charges. Where are the charges being made from? If it 's from another state then clearly you know that is not from me! 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi, I submitted a request for multiple accounts to be investigated on my Experian credit report. Experian will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me Experian has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

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 2018-05-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is providing false information. This is about business accounts not personal! Screenshot attachment At XXXX on XX/XX/18 I called Experian to report unauthorized accounts providing my business and personal info publicly and incorrectly. A very rude XXXX guy named XXXX in XXXX refused to give me his manager, lied stating he was the only one I could talk to, and racially discriminated against me because Im XXXX XXXX! Experian refuses to correct the false information it is reporting on my behalf. There are two incorrect business listings that are not even valid companies and need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are providing incorrect information, this is not the business name. It is not the business address, nor has it ever been. Please fully delete and close out both of these accounts listed above from your system that are linked to my company. The individual stony hung up the call on me for absolutely no reason after racially discrimination and refusing to help me.

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 2021-08-04
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 repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor

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 2022-03-28
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: Their investigation did not fix an error on your report

Complaint:
I paid XXXX XXXX before loan was transferred to XXXX in XXXX. I have no record because I bank with a different bank Shows 90 day late without 30 or 60 day late.

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I paid XXXX XXXX before loan was transferred to XXXX in XXXX. I have no record because I bank with a different bank Shows 90 day late without 30 or 60 day late. 

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX  XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.

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 2017-05-25
Company: EQUIFAX, INC.
State: FL
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:
An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was given an auto loan through Santander Financial XX/XX/XXXX for a little over XXXX. Payments of XXXX monthly. As of today XX/XX/XXXX I am still showing a balance of over XXXX dollars. Never missed a payment. They representative stated that any late payments are added to the interest of the loan at XXXX for each day late. Even if this were the case I would 've had to accrue over 365 days late to reflect the current balance which is impossible since I 've only had the car a little over a year. Then I was told my loan total was XXXX which is a complete lie and if it were true that means I would 've paid XXXX dollars within the last year which is also false information according to the records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a settle in full offer by email from american express, regarding account ending in XXXX, on XX/XX/20. The settlement offer had indicated : if I pay {$180.00} by XX/XX/20. the account would be adjusted to settled in full. On XX/XX/20 I called XXXX, Which is an XXXX XXXX  office, and discussed settling the account. The Representative had indicated an immediate payment of {$160.00} wound be sufficient to settle the account in full. I made the payment on the phone with my checking account. On XX/XX/20 American express updated my credit report to reflect the {$160.00} payment, however they marked it as charge off, therefore my credit score tanked 14 points. I was in the process of refinancing and this cost me substantially. 
I called the previous phone number, the Representative confirmed the account was settled in full, and connected me to the credit reporting department. Here 's where it get interesting. 
American Express credit reporting department confirmed they knowingly, inaccurately updated my credit report and explained this is American Expresses policy. I asked in detail, why would my report show the payment, as charge off? the answer : after we receive the payment american express waits 20-30 days before updating the status of the account. I said, but American Express went in, and updated the payment amount on XX/XX/20 and inaccurately changed the status as charge off, instead of settled in full. I indicated to the Representative : you have a responsibility to accurately report the status to the credit bureau. I then opened a dispute through the credit reporting agencies. American express again, refused to accuracy update the account status. Please direct this illegal policy to end

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a account Im collections on my credit profile showing ( XXXX XXXX and Penn Credit Corp ) not liable for and also keep getting phone calls from but I dont answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my XXXX 2016 payment on XXXX/XXXX/16 online to Santander Consumer USA. Santander 's online payment site gave me an error message and said my card was declined. I contacted my bank and they stated my payment went through and the payment was deducted from my account. I called Santander back and they stated to send a banking statement showing where the funds were deducted from my account. I sent the bank statement, and then the accounting dpt. stated the bank statement was not sufficient and that I needed to send the bank statement from XXXX to current date, to ensure that the payment was not later declined. I then sent a statement from XXXX to current date and Santander said that the bank statement alone was not sufficient that they needed a copy on my banks letterhead that stated my XXXX payment went through. My bank sent a copy of my bank statement from XXXX to current date as well as a letter on the bank 's letterhead stating my XXXX payment went through. My bank sent this and the account dept. for Santander still will not credit my XXXX payment. They said that my payment did not go through and the bank gave me my money back. I looked at the statement and my bank did not credit me my money back for the XXXX payment that was made. They credited my account for an additional car payment that was taken out of my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Financial Control and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge that payment in full was made and deposited into XXXX account on XXXX/XXXX/2015, and to remove their collection notice from my credit bureau reports. I have called CFC to explain this several times, and I have faxed the information to them twice, most recently over 3 weeks ago. 

XXXX refuses to discuss accounts which have been sent to CFC for collection, which makes it impossible for me to explain to them that they have already accepted payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
Hi, I submitted a request for multiple accounts to be investigated on my XXXX  credit report. XXXX  will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me XXXX has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My husband and I purchased a loan in XXXX ... a XXXX XXXX XXXX. The car was with XXXX XXXX. Since XXXX, we have paid XXXX payments totaling {$11000.00}. I received a bill that listed my balance as {$13000.00}. I called Santander Consumer USA and was told my loan accrues daily simple interest and the payments I 've made towards the car was applied to interest. I still have XXXX payments to make on this car ... .this is disgusting!!!!! We are minorities that were desperate and needed a vehicle and were never told of the daily simple interest at the origination of this loan. I am convinced that this is a violation and NO ONE should be able to treat hard working Americans this way. We were treated like this knowing we had limited income and a poor score. This is taking advantage of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made a payment through my credit card company XXXX via balance transfer on or before XX/XX/2017 in the amount of {$500.00}. My auto loan company SANTANDER CONSUMER USA, has failed to post the payment. I have contacted them several times to request that the payment be processed as I have an electronic statement from XXXX that the transfer was successful. Its XX/XX/2017 and no payment is posted. SANATANDER states that it takes 3-5 business days to post payments. Still no payment 5 business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Despite paying $ XXXX in settlement regarding this issue a few years ago, USBank continues to improperly, if not illegally, re-sequence items ( i.e., checks, auto-drafts, debit card transactions, etc. ) from largest to smallest to maximize overdraft fees. 

On several occasions over the past few months, I have checked my account online at close of business to verify that I had funds available. However, by re-sequencing items overnight, the bank charges of {$36.00} per item resulted in items being returned instead of paid. The total damage just in the past several weeks has been hundreds of dollars. 

This damage is exacerbated by the recent, ongoing COVID-19 crisis and my complete loss of income for the foreseeable future.

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2017-05-25
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 never had this account. I believe that somebody used my personal information and applied for this. I'm not responsible for any transactions.

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