BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I have XXXX citibank credit cards. My simplicity account payment due on XXXX/XXXX/2015 was not made. Citi collection has been calling me every single day from XXXX/XXXX/2015 including XXXX XXXX holiday. I asked the representative if they are allowed to call on holidays. He said yes, I informed him on XXXX separate occasions I requested no phones calls, that all communication was to be done via email or USPS for accuracy purposes and due to the fact I care for my XXXX year old Mother who is very fragile with XXXX, XXXX. However, Citi has refused to honor my request. Further, they have lied to me on every phone call about their right to call me and more disturbing in the abusive and argumentative conversation from a CitiBank Representative on the XXXX XXXX phone call which took place at XXXX. I STRONGLY SUGGEST SOMEONE get a copy of that recording. I do not need that type of argumentative conversation to take place in front of family members and my mother. The call was witnessed by at least XXXX people since I had it on " SPEAKER '' I asked each person to write down what they heard so I had some sort of documentation while information was fresh in their minds. I fully intend to file a lawsuit as I do have a law background. I would hope the CFPB follows up in some assertive way as I also run a Political website ( XXXX ) currently under re-construction so can can handle the heavier than expected traffic. However, from the feedback through XXXX I can tell you this is NOT an isolated issue and I can also inform the CFPB at this point most consumers feel the CFPB is more of a " PONY and HORSE '' show. I continue to be hope-full actual progress is made and the CFPB turns out to be what over XXXX XXXX American consumers hope it will. Update, Citi Bank called XXXX today ( Sunday XXXX ) and its not even noon yet ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company responded to my complaint XXXX with documentation which has already been provided. I requested for the company to send all records including how the account was acquired including my signature. The company XXXX is not reporting on my credit reports with the three credit bureaus due to my ex-wife opening the account in my name without my permission. My intention was to acquire more detailed records of this transaction so I can pursue further legal action of identify theft since my ex-wife has done this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold account to take advantage of a XXXX AAdvantage XXXX promotion that was offered for having a Citi AAdvantage card. I registered using the code provided to me, completed all steps ( Make {$1000.00} in debit purchases and make two months of consecutive bill pay ), and waited the 90 days for the points to post ( Paying {$90.00} worth of monthly fees in the process ). I called in and was told that I satisfied all requirements necessary, that my account was eligible, and that I was targeted and perfectly qualified to get the points. I had n't heard anything after 150 days and called in. The CSR agreed that again that I was eligible and that they 'd file a note for their supervisor to check on it. I received the note and was promptly told that Citi would not be honoring the promotion as " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This directly contradicts everything that their own Customer Service Reps told me both over the phone and through Citi 's online chat service. I would like them to honor this promotion after I signed up through the offer that was through my AAdvantage Citi card and after their reps told me time and time again that I was qualified and would be receiving the miles soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: CORELOGIC INC
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
A credit agency are making inquiries on my credit record every month since XXXX of 2015, The name of the company is Credco. This company was hired by a mortgage company by the name of XXXX XXXX. 'I need this to stop '', My credit record score has been going down every since I inquired about a mortgage loan by XXXX XXXX. I need all of Credo INQUIRIES off my credit record.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: MI
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 has engaged in unfair, abusive and unlawful practices in processing a payment. They subsequently failed to conduct a reasonable investigation for billing errors, failed to provide reproductions of documents used to determine the outcome of billing error investigations, failed to disclose my right to request such reproductions. They then retaliated against me as consumer for engaging in protected activities, using tactics including credit discrimination and XXXX discrimination. XXXX has continued to harm me as a consumer by continuously furnishing invalid and/or unverifiable payment history to the CRAs. The information is invalid and/or unverifiable because the information supplied was generated as a result of unlawful actions taken due to XXXX 's failure to process a payment. XXXX has reported that information using the eOSCAR system claiming the information is correct, yet has been unwilling to provide me with reproductions of documents that support the information supplied to the CRAs. At the same time, the CRAs have insisted XXXX has provided them with the same or similar documentation that allegedly verifies the validity and accuracy of the information supplied to the CRAs, and that attests the information was generated lawfully. Prior complaints with both the CFPB and XXXX are attached. Most recently, XXXX supplied me with a rehash of their alleged investigation ( XXXX ) on letterhead with XXXX ( XXXX ) supporting documents -- this is despite my request for reproductions of any and all documents that supports the conclusions of their alleged investigation ( XXXX ). I cited applicable law and provided the corresponding pdf from the Federal Code. Overall, XXXX is using abusive tactics to avoid transparency that is required, and is harming me by supplying the CRAs with invalid information. They are then sending updates to the CRAs that contain the invalid information. They are then closing out subsequent complaints with the CFPB as a form of retaliation, and refuse to supply reproductions of supporting documents, claiming they conducted a billing error investigation. The CRAs has been more than willing to persist the information furnished by XXXX despite me notifying the CRAs through CFPB complaints of the serious issues involved. Therefore, the CRAs are now knowingly and willfully violating the FCRA. The full explanation and documentation is attached.

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 2016-12-21
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
CitiMortgage consistently gave incorrect information regarding the loan modification process. Each representative gave different information. I talked to XXXX. They also discouraged me from updating financial information and tried to discourage me from appealing and from reapplying for a modification

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 2021-01-07
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:
THIS IS NOT A DUPLICATE : Back in XX/XX/2020, I wrote to Experian contesting items I believed were inaccurate. They mail me a report that stated the inaccurate items came from a US BKPT Court. I wrote that bank via certified mail using the address that Experian listed in their report. Much to my chagrin, that letter came back to me returned to sender due to the address was unknown. I will attached the documents

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 2016-11-30
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been going through financial hardship since XXXX. I have a mortgage loan and my lender denied me a making home affordable loan modification application in XXXX. My hardship continued and my lender offered me foreclosure alternatives. I decided to list my property for a short sale with a broker in XXXX XXXX, my broker was referred to the bankruptcy dept every time he wanted to discuss my property. The lender claimed that the property was not available to be sold until it is cleared from the BK dept. In XXXX XXXX the bank cleared my property and in XXXX they sent me a notice of default. My broker had a cash offer from a buyer and he started the process of the short sale by presenting the package documents to my lender who took their sweet time in responding to my broker 's phone calls and e-mails. A month went by while the bank reviewed the offer and they responded with a counter offer to the offer that we had. The buyer at that time accepted the counter offer and my broker submitted the acceptance, but the lender did not respond for days to my broker 's emails while a foreclosure sale date was approaching on XXXX XXXX. The lender sent me a letter denying the short sale due to my inability to obtain the bankruptcy court 's approval of the short sale. I was forced to file bankruptcy on XXXX XXXX, XXXX due to the lack of response from my lender. They waited to the last day to respond and deny the short sale offer that my broker had. The foreclosure sale date was moved to XXXX, XXXX and the property went for sale with no bids at the sale. The property went back to the beneficiary.

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 2016-01-16
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Under CFPB complaint number XXXX, XXXX alleges that XXXX and/or Financial Asset Management Systems can run my credit report anytime they want. That statement is false. In addition, whoever wrote the response from XXXX to CFPB complaint number XXXX, does not know what they are talking about because they cited the wrong applicable law. They cited the Fair Debt Collections Practices Act. The applicable law is the Fair Credit Reporting Act in conjunction with the Fair Debt Collections Practices Act. It is a very fine line between being able to run someone 's credit report including mine whenever they want as a permissible purpose, and the action of re-running someone 's credit report over and over, including mine, constituting harassment. Financial Asset Management Systems pattern of continuing to run my credit report over and over constitutes harassment. The person who responded to CFPB complaint number XXXX from XXXX has no idea what they are talking as they cited the wrong law when responding to the issue of running someone 's credit report over and over, including mine. XXXX has a pattern of denying everything, just like they denied overcharging troops, which they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to 20 inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, I had XXXX payments returned from XXXX due to circumstances beyond my control. To rectify the issue, I made a {$200.00} ( the payment amount i owed was only {$25.00} ) payment, bringing my balance well below my {$500.00} credit limit. In return, because I had XXXX consecutive payments returned, XXXX suspended my account and blocked me from using my card until I have made XXXX consecutive payments & brought my account back in good standing. At that time, my credit limit was still {$500.00}. On XXXX XXXX, XXXX sent me an email via their website that they had dropped my credit limit to zero and I was still suspended for 90 days and still needed to make XXXX consecutive payments on time. On XXXX XXXX, XXXX, I received notification that my XXXX credit card was reported as " closed ''. I did not close the card. When i contacted XXXX, I was advised that my limit was now {$0.00}, my balance was {$380.00} and that my account was still suspended. I advised them that, because they dropped my limit to {$0.00} for the next 90 days and are reporting it as such, they are negatively affecting my credit report, even when the amount was not true. I advised them that, because i still have a balance with a XXXX credit limit, that they are basically reporting my card as closed and that they need to rectify the issue. They refuse. They stated that they will not fix the issue until XXXX of XXXX. In the meantime, my credit report is still being erroneously being reported with a {$0.00} credit limit and a {$380.00} balance for a suspended, but not closed, account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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 disputing this here AGAIN, because XXXX has placed someone elses name on my credit report under Responsibility How is another person that has their name on my credit file, offers due process? They cant! I did not authorize anyone to put someone elses name on my credit file relating to any specific account and I most certainly did not give XXXX permission to report another persons name on my credit file and I have never seen such a thing! This can not be legal because it does not offer dispute or due process under fair credit reporting and this has to be a beach or someone elses rights and right to privacy.

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 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX is reporting collection activity on an account that is past its statue of limitations and is time barred from credit reporting. This is a violation of my rights under the FCRA. XXXX and XXXX XXXX both have already removed this account. XXXX needs to remove this account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
Citibank sent me offers weekly for months, including XXXX in one day. I finally applied for their card only to be told to call in. I did and they started asking all sorts of extremely personal information. Not trusting the questions I asked why they needed the info since it was all in my credit report. I was not given a reasonable answer so they said they would get me an answer in a week. I said that was just fine. I then received a letter asking for bank statements, phone bills, etc. This seems really sketchy to me. I called and was given the run around again. I have excellent credit and am very easy to find so I ca n't imagine it was an issue of credit worthiness or security. I told them to cancel the application and remove me from all offer lists. I also asked to have a supervisor call me. We will see if that happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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 found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

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 2021-01-07
Company: EQUIFAX, INC.
State: LA
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:
Last XXXX I've sent documentation for those unknown and inaccurate accounts I found on my credit report. It's been 60 days now but there's no response yet. I'm a victim of Equifax Data Breach. I demand to immediately DELETE those accounts or I will file a litigation for causing me so much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: FIDELITY CAPITAL HOLDINGS, INC
State: WA
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:
Old landlord is attempting to collect a debt from 2014 for missed rent. After moving out, all deposit money was returned. Landlord took us to small claims court. Judge gave a judgement and the judgement was paid for. Landlord continues to attempt to collect a false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a US Bank ReliaCard debit card in the mail today. I called US Bank and they told me it was an unemployment debit card. I did not apply for unemployment or the card. They tried to transfer me to relicard branch which keeps hanging up the call. When I call the number on the card it just wants me to activate a pin number. I called cfpb to file a complaint. Today is XXXX2021.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I refinanced my car to XXXX XXXX and I cant find the XXXX Account on my credit report.

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