BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-05-27
Company: DISCOVER BANK
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I just applied for an application online & it states that 's it 's a secured website & it asked for all my information such as social security bank routing & account number & I called my bank already discusse d the information & I was also told to report them but I got an email saying to log into the account to check the sta tus of my loan & gave me a temporary password I tried to log in with the password given & was not able to I read all the reviews & they also had complaints about this website   XXXX    same situation could n't get a hold of them & or trying to log into the account they provided I just want to stop my application now because of the past conflicts along with all the information they required before " being approved '' im hoping I would n't have to change m y social & account  information but will do  ..  due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For Several months I have repeatedly reached out to National Credit Systems , Inc. in regards to them reporting false, inaccurate, and misleading information on my credit report. With proof of identity theft I have responded with completion of there fraud package, my police report, sign affidavit of my identity and copies of my identification and social security number. This company has repeatedly failed to adhere to the law and has in fact violated the Federal Fair Credit Reporting Act.

First attempt was made XX/XX/XXXX and I informed the associate that I was a victim of identity theft. He notified me that he would send out a fraud package. I later returned that package within a few days. I followed up with a call and the company verified that they received it. For several months I continued to send correspondence via. mail. 

Attempt 2 : XXXX XXXX XX/XX/XXXX : A phone call was placed to National Credit Systems at ( XXXX ) XXXX XXXX. After first being forwarded to a collection agent I was HUNG UP ON! At XXXX XXXX a second phone call was placed and a lady by the name of XXXX forwarded me to a XXXX XXXX who stated that he was a supervisor of the department and that he in fact had no manger above him that i can speak with in regards to the case. A return phone number was provided and Mr. XXXX stated that it would be forwarded. At this time of XX/XX/XXXX no return phone call has still never been made and they continue to break the law. 

All calls have been recorded. 

Last Attempt was made today XX/XX/XXXX at XXXX XXXX Eastern time to their office and after being hung up on twice after simply saying that I was a customer calling about a debt I then, called for a third time an spoke with XXXX again, who this time forwarded me to XXXX XXXX who then verified again that they did indeed receive all of my correspondents and that I can not talk to anyone in the department to properly get the matter resolved and it could take months longer! It has been over a year that this company continues to report false information on my credit report and has cost me employment wages and opportunities along with emotional stress. 

The amount of the inaccurate debt is {$5300.00} and I do not owe this debt or have ever done business with the company that they are referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm being repeatedly called by XXXX XXXX XXXX about a debt that I do not owe.

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 2016-01-26
Company: Atlanticus Services Corporation
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Fortiva Retail Credit does not provide monthly statements to show amortize principal and interest. Only online service to review account but no details, Spoke numerous times to creditor who reluctantly states no statements issued or yes we will mail statement and never get one. My complaint is true breakdown of my personal loan. Misleading practices is my complaint. 

Contact information : FORTIVA RETAIL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My credit limit was reduced, due to errors on Macy 's part. I have paid off my balance month ago, but due technical issues on their end. I was charged fees, and not notified of changes. I called to get fees waived on this past Saturday, and now today I get a letter stated my limit is being reduce, which will effect my credit score. I want my credit limit restored.

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 2017-10-15
Company: Experian Information Solutions Inc.
State: TX
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:
This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good

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 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
birth year is wrong, i was born in   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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TransUnion XXXX XXXX XXXX XXXX, PA XXXX This company is reporting a inaccurate debt collection " XXXX XXXX located at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX Acct # XXXX past due balance {$370.00} XXXX XXXX. 

I have sent multiple certified letters to this company requesting a contract with my signature on it relating to this collection. They have been unsuccessful in supplying me with any original documentation of any sort and still the collection remains on my report as accurate and verified. I have indicated that I do not know this company, I have never done any business with this company. This company does not have a contract with my signature. XXXX credit Bureau completed a reinvestigation that resulted in the collection being removed. I also sent the XXXX notification to the above company, No results.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Contacted TransUnion via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. TransUnion did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.

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 2021-03-23
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, INC.
State: TX
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:
This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: DISCOVER BANK
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover Bank is in violation of their Arbitration Clause and Contract Agreement. XX/XX/XXXX, Discover Bank filed suit against me in Small Claims Court for an alleged debt of {$3900.00}. We agreed to arbitration XX/XX/XXXX through XXXX. XXXX refused to arbitrate and pay fees even though they had agreed to. XXXX, XXXX, XXXX, XXXX and XXXX, XXXX sent XXXX a letter requesting they pay the arbitration fees. XX/XX/XXXX, Small Claim Court Judge compelled XXXX to arbitrate. Discover refused to pay fees and arbitrate after being compelled. XX/XX/XXXX, XXXX   CLOSED arbitration case because XXXX refused to pay. XXXX breached Arbitration Clause and Contract Agreement. I received a letter dated XX/XX/XXXX from Counsel for XXXX   stating XXXX did not want to arbitrate because it was too expensive. I sent a letter to the Counsel for XXXX and made an offer of " XXXX XXXX XXXX '' but they never responded. 

XXXX defaulted for refusing to pay XXXX arbitration fees. 
XXXX XXXX failure to pay XXXX was a Material Breach of Contract. 

XX/XX/XXXX, XXXX filed Arbitration against me for the same alleged debt of {$3900.00} over 2 years after I filed Arbitration and 1 1/2 years after XXXX  closed case due to XXXX XXXX failure to pay. The alleged debt is time-barred. XXXX has filed arbitration for a debt that is time-barred, misrepresented facts, defaulted in Arbitration and breached their Contract Agreement. XXXX has violated FDCPA and continues to violate. FDCPA. 

XXXX states they will NOT arbitrate a small claim. This alleged debt is a small claim which is another breach of their contract agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I went through a short-sale on a home back in 2011. Upon recently trying to get approval on a mortgage for a new home, I found that the secondary mortgage ( CitiMortgage ) reported the sale to the credit bureaus as a foreclosure. The primary lender ( XXXX ) reported the sale correctly as a short-sale. I have made multiple attempts to contact a representative at CitiMortgage without any progress towards resolution. I was told, in my last communication with them, that they would not submit a change to the credit bureaus to code it correctly as a short-sale. I have all of the documentation proving that a short-sale was executed, from both lenders involved.

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 2020-03-12
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
NAVY FEDERAL MARKED MY ACCOUNT AS 30 DAYS LATE. I HAVE NEVER HAD A LATE PAYMENT WITH THEM IN ALL THE YEARS I HAVE HAD THE ACCOUNT. I MADE MY PAYMENT ON XX/XX/2019. XX/XX/XXXX WAS A SATURDAY AND MONDAY WAS XXXX XXXX. NAVY FEDERAL DID NOT POST MY PAYMENT UNTIL TUESDAY XX/XX/XXXX WHEN I MADE MY PAYMENT BEFORE XXXX ON SATURDAY XX/XX/XXXX. I HAVE CONTACTED NAVY FEDERAL SEVERAL TIMES BY PHONE AND I WAS ADVISED TO DISPUTE IT WITH THE CREDIT BUREAUS. I HAVE CONTACTED THE 3 CREDIT BUREAUS BY PHONE AND MAIL AND THIS ISSUE HAS NOT BEEN RESOLVED. I WANT THIS LATE PAYMENT REMOVED FROM MY CREDIT IMMEDIATELY AS I WAS NOT 30 DAYS LATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: FL
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 have disputed an error on my credit report with Experian and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Experian, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.

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 2017-05-27
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
Santander Consumer USA is reporting t o the credit agency that I am late each month and I am not late. They are reporting that my loan payment is more than what it is. I have try to credit this and the credit agency will not credit it.  XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just emerged from a Chapter XXXX. At the start of the proceedings CitiMortgage filed a claim for {$8000.00} in arrearages. The Trustee was to pay the {$8000.00} over the course of the Chapter XXXX. I was to continue to pay my regular monthly payment going forward. The Chapter XXXX ended in XXXX of this year. CitiMortgage claims that I am over {$5000.00} in arrears now. They told me in a letter that they will start foreclosure proceedings on XXXX XXXX of this year. They claim that I have missed XXXX payments in a row. I have sent them bank statements proving that we have made every mortgage payment since the start of the bankruptcy. 

More than XXXX Citi representative has admitted that they have used my regular monthly payment to cover arrearages. For instance. I was told that my first payment under the Chapter XXXX on XXXX went to pay the XXXX arrearage. Payments from both the Trustee and myself have been going to pay the arrearages before anything else. By no means have they separated the payments from the Trustee and myself. 

This is my understanding. " Payments from the trustee or debtor post-confirmation should be applied to payments due from the Petition Date going forward - not to the arrearages. All post-petition installment payments must be applied and credited to the debtor 's mortgage account as if the account were current and no prepetition default exists ( this includes any adequate protection payments received pre-confirmation ). " I have been told by a Bankruptcy specialist at Citi that this is how they do their accounting and there is nothing she can do about it. We entered into the Chapter XXXX in good faith. We made every regular monthly payment. The Trustee made all of her payments. Yet we are coming out of this being made to feel like a common mortgage dodger with a foreclosure looming over our head.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've requested the company provide with me all copies of signed loan documents regarding this loan as I don't remember taking this loan out and might have been a victim of identity theft with this loan. The company continues to harass me and charge me a monthly loan payment for this loan. The company continues to report this loan to the credit bureau dispute my request for validation of debt.

Company response to consumer: Closed with explanation