BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: CORELOGIC 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: Account information incorrect

Complaint:
Credco gave me two hard inquiries within one month 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
Consumer complaint received 2021-03-14
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We tried to modify XX/XX/XXXX, received modification paper work XXXX XXXX which said trial payments to start within next 2 weeks. 
Ocwen notified us that we needed to resubmit paper work. 3 times over. 
We requested telephone transcript to prove this delay. 
This delay was solely due to an arm increase occurring XX/XX/XXXX the same date that ocwen wanted trial payments for XX/XX/XXXX. 
Ocwen never sent us what modification would cover, until XXXX, XXXX and XXXX XXXX. 
Our account statement ocwen provided in XXXX was completely different than there reconciliation history where they hid excessive. Fees, charges,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$1100.00}.

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 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dis attorney off XXXX XXXX XXXX XXXX XXXX XXXXIs a account that is opened by mistake, this account is in XXXX current and payments are being paid on time for a few years now. XXXX opened the same amount and is reporting negative remarks and late payment history. 60-90 days late payments on a account that 's being paid in XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), 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 an inaccurate account. 

Im requesting 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 hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

DEP OF ED/XXXX  ACCT XXXX XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.

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 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion continues to report XXXX at XXXX XXXX account as a collection without verifying ownership.There is no rental application, approval letter, income or leasing verification, ledgers, rent receipts, court documents, or other data to validate this account being mines. I have disputed it but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX refuses to verify ownership.Therefore this account is fraud and identity theft is an issue. I am asking to have it deleted from my TransUnion and XXXX credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Media Collections, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My children did not attend this program for the XX/XX/XXXX-XX/XX/XXXX year, I have told the company this several times but they continue to try to collect an enrollment fee and an fee for the school year. I even called them and told them before school started that my children will not be attending.

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 2016-03-08
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ). I confirmed the exact amount of points on the phone with Citibank. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$760.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.

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 2022-12-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To my notes, end of XX/XX/XXXX, I applied for a credit card. A special limited time offer for XXXX members. The card was approved and issued from XXXX XXXX XXXXXXXX with a credit line of XXXX XXXXXXXX XXXX promised a XXXX XXXXXXXX statement credit after using the card, making purchases of XXXX XXXXXXXX or more within the first 90 days. They promised automatically receiving the credit on my statement after qualifying. 
Even I met the criteria, I didnt get the XXXX XXXXXXXX and I was waiting until end of the year, I called XXXX  beginning XXXX, they promised to take care of this. I called again and again and XXXX promised to fix this problem. 
On XXXX XXXX I get a letter from the Comenity Bank XXXX telling me, that Comenity Bank will take over all the Credit Cards from XXXX XXXX informing me about coming changes to my XXXX XXXX XXXX  XXXX  credit card. Meanwhile Comenity Bank send me a new card, which was activated on or around XX/XX/XXXX. 
I checked the available statement at Comenity Bank but could not see the promised XXXXXXXX XXXX XXXX. When I called XXXX to find out about the status of my Reward, I found out that there was not any account information on the internet, my account was not existent anymore. When I called XXXX they said that Comenity Bank have all information, ast they took over the accounts and told me th

at Comenity Bank is responsible. When I contacted the Comenity Bank several times, they said I have to be patient, as they have a lot of trouble with taking over the credit card accounts. So I was patient again. They promised to put the Award at the next following first day of month to my account, but nothing happens again! 
I contacted XXXX in this matter, which promised to convey with Comenity Bank, but they didnt get also no answer. 
When I see the reputation and meaning from other people, Im wondering that such a Bank get the license to administer the money from the folk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I would like to file a complaint to citibank regarding on a promotion that was offered to me in XXXX XXXX. I opened a citi gold checking account ( account number XXXX ) with a promo code " XXXX '' which would give me XXXX thankyou points after I complete two bill payments in two consecutive months. I was confirmed by several citi representatives in XXXX XXXX and XXXX XXXX that I had successfully completed all the requirements and I would definitely get my points by end of XXXX XXXX. The case had been escalated twice this month when I called and as of today, I have not received the points. I got a letter from citi that I was not targeted for this offer which is definitely not true. The offer page clearly stated the promo terms and conditions while I opened the account and citi confirmed several times that I would get the points and told me all I needed to do is to wait till XXXX XXXX. I am so disappointed with citibank as they were just trying to fool people around. While they told people one thing at the beginning, they are playing games and try not to honor the offer after I have waited for more than 3 months and I was charged for {$30.00} service fee per month. This is not a big bank supposed to do and I am filing this complaint against citibank. I will attach the screenshots and the confirmation I got from citi about the bonus points.

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 2016-02-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Introductory offer False advertisement, Citi ThankYou Preferred Card - Earn XXXX bonus ThankYou Points after you spend {$0.00} in purchases within 3 months. It 's been almost 2 months since and I do n't see the points on my banking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2016 I received by postal mail from an organization called AFNI and demand that I pay {$160.00}. The demand said vaguely that the obligation stemmed from " XXXX, formerly XXXX '' but lacked any other documentation, evidence or proof. I responded with a letter, sent certified mail, on XXXX/XXXX/2016 saying I had no knowledge of any such debt, and demanded documentary evidence. The Post Office advises my letter was delivered on XXXX/XXXX/2016. As of this date, XXXX/XXXX/2016, I have received none of the requested information, or any other communication, from AFNI. We have followed up with a second letter to AFNI, noting no response to our first.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Convergent Resources, Inc.
State: CA
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 received a letter from Convergent Outsourcing dated XXXX/XXXX/16, that I have a past due account with XXXX with a past due balance. I do not have an account with XXXX, thus this account those not belong to me that they are trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I reached out to XXXX, Credit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. XXXX sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to XXXX enclosing copies documents sent to the collection agency asking for evidence. The 2nd letter was sent ceritifed mail with a return reciept. XXXX signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed XXXX that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from XXXX. This needs to be removed from my credit. I've also sent Letters to XXXX and Transunion without a initial response.

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 2022-10-26
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Several calls and disputes

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 2022-11-03
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander never informed me they charged the vehicle off back in XXXX or XXXX but kept harassing me and my husband threatening to repossess the vehicle. One representative stated they want the full balance no payment installments or they will come take the vehicle. I reached out the Santander a numerous amount of times through the online website in their chat but no response until months later. When I finally spoke to someone, she told me the car was in the fraud department. 
I answered plenty of calls and they threatened to take the vehicle but did not ask for proper location status. Instead, they attempted to collect a debt so they are in violation of this 15usc 1692b ( 2 ).

They are also in violation of 15 usc 1692d ( 5 ) with the harassing phone calls. They call all times of the day and night. If I miss the call, they call back to back and call my husbands phone harassing him. If yall charged it off a long time ago why keep calling and then saying we are trying to locate the car could you tell us where it is. Knowing where its at. 
The representative was very unprofessional and discriminated against me in several phone conversations. She said to me they gave you a car without having a job mm thats XXXX and I said wait excuse me, then she said well you have to pay this and that. 
There are a numerous amount of violations when it comes to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was an XXXX customer. I had a complaint filed with the BBB for unfair sales practices and fraud. ( they added services specifically XXXX XXXX that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, XXXX XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX, now I am receiving constant calls and letters from Sunrise Credit even though I advised that this was an error and should not be in their records.

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 2016-12-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt is not mine and I would like it to be removed. It is impacting my life in a negative way. The name on the account is not my name and it is spelled incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed. Im attaching again the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX, XXXX XXXX, XXXX A XXXX 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 2015-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Got an email from Transunion telling to look at a credit report, they want my credit card for verification, a few days later s=charged my banl {$17.00} without any notice or authorization. I closed it immediately but still am being charged. Why is this not illegal? I saw no checked box authorizing this and I check all the time. 

This is an awful company preying on people with credit problems and poor people. Charged XXXX no less.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have judgment hurting my ability to get a job. I am in a debtor prison, I am not gainfully employed.  Pyod and Hunt and Henriques are unfai r as you can the summons was not even stamped by clerk.     They refused to attend hearing to work out issues in court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
Recently I was notified that Barclays Bank DE had placed an inquiry on my credit report with XXXX. I want this inquiry removed because I have never applied for a Barclays credit card and it was not authorized by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation