BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-24
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern, I have been in the process of refinancing my home through XXXX XXXX. My current mortgage company is Citimortgage. The process has been on hold for a month due to the lack of cooperation from Citimortgage. To complete the refinance I need to have a Verification of Mortgage from Citimortgage for both my accounts. In order to do this they needed to have a " letter of authorization '' from me. Which I have submitted several times. 
Currently, I am still waiting for them to submit the Verification of Mortgage to XXXX. I have been told they can only fax it to me, they can not fax it to XXXX, even with my authorization. Every time I call, I speak to a different individual, and every time I call I am told that they are sending documents out. Documents have yet to be seen. Then I call back again and they say documents were not sent out, because they need authorization. I am getting absolutely no where and making no progress in my refinance. Now that so much time has been lost, I am very afraid that this situation will have a negative effect on my financial situation. I have a son who is graduating this year from XXXX school, we are trying to make a college decision. I also will stop receiving child support the day he graduates. I do not think Citimortgage has the right to delay the process of the refinance. Their business practices are awful, not XXXX customer service representative can be held responsible because you can never reach the same XXXX again. 

I am very frustrated, concerned that my refinance will not happen because of their gross neglect to respond to me or 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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2020-04-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) has sent me XXXX fraudulent medical invoices to collect a debt that is not valid. I have received XXXX Fraudulent Medical Invoices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Today, XX/XX/XXXX, I received a debt collection letter from HRRG and I have sent a dispute letter to HRRG. The XXXX invoices are fraudulent and state that I owe {$150.00}. I have contacted my medical provider to let them know that I have received XXXX fraudulent letters/invoices and I have filed the following complaints in the past with XXXX  and FTC on XX/XX/XXXX and XX/XX/XXXX. The XXXX invoices contain misspelled words, fraudulent account numbers, and fraudulent medical provider name. The XX/XX/XXXX fraudulent invoice asked me to fill out my insurance information and credit card information. The website address listed on the invoice is XXXX I have contacted XXXX XXXX XXXX to verify if I owe a balance and I do not owe a balance, after paying a total of {$770.00} in medical bills from the XX/XX/XXXX emergency hospital visit. I have confirmed that two payments were made by me on XX/XX/XXXX for {$730.00} to the XXXX XXXX XXXX and a payment of {$39.00} was made by me to XXXX XXXX, XXXX on XX/XX/XXXX and I can provide copies of my paid medical invoices from XX/XX/XXXX emergency visit.

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 2022-05-13
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX I have previously contacted your company about this account XXXX XXXX  XXXX  with account # XXXX and this account was deleted from my file and did not show any more. I am writing because upon checking my account again, this account has been relisted and reasserted to my credit file and I was never notified of this being relisted with credit agencies. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent.

This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.

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 2016-01-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a collection from XXXX which they claim I paid my debt through them. which I did n't I paid my debt through XXXX. I want the collection taken off of my credit report. I have proof on XXXX/XXXX/2015 I paid my final payment too XXXX for XXXX XXXX. have stated I paid them when I did not I have paid my debt through the original debtor

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was a student at XXXX XXXX XXXX. In XX/XX/2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Capital One has continuously charged me late fees for missed payment days that fall on XXXX. As an observer of the XXXX XXXX, I do not engage in financial transactions on XXXX. Capital One again recently charged me a late fee for missing a payment this past XXXX, XXXX/XXXX/2014. I have called in many times complaining about this problem, and they have done nothing. I believe this practice is XXXX and I should not have to make my payment early because they will not honor my XXXX. In addition, I have requested credit increases multiple times, as my credit limit is only {$300.00}. Capital One has not responded to XXXX of my requests. On the last request made, I was denied because Capital One claims they can not access my credit report because there is a security freeze on it. I contacted XXXX, XXXX XXXX, and XXXX. There is no such freeze on my reports and there has not been since I have been in possession of this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXXIs reporting XXXX account I have dispute these accounts to the Experian asking them to validate the debt do to the fact that I have dont remember going to the hospital at anytime. I want Experian to tell me who they spoke to at XXXXso I can follow up with them because I dont believe the debt to be mine and I want all XXXX XXXX account deleted from my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: EQUIFAX, INC.
State: IL
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 sent letters requesting method of verification for erroneous items on my credit report. I ask for specific responses as well as details of proof an investigation was conducted. I was completely ignored by the company, and my request was not fulfilled. Furthermore the erroneous items on my credit report remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Santander Consumer USA Holdings 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:
Hello, My name is XXXX XXXX. On XXXX, XXXX 2020. I received a notification from the credit report saying my account with Chrysler Capital was delinquent. I called them the next following day, they confirmed the account was passed due and they could not contacted me due to the call volume they have been receiving as consequence of ( Covid-19 ). I explained, first of all, I was never notified about the issue and even though the account was under my name the vehicle belongs to my ex-husband and he is the one in charge of making the payments. 
I contacted him immediately and he hasnt been able to make the payment due to financial strangles because of ( Covid-19 ). He made half of the payment due but the delinquency is still showing on my credit report. 
I can stress enough how hard this situation has been for the whole world and it is even worth when the decision of someone is affecting the wrong person. I am a single mom with a XXXX year old daughter and I have been working really hard to support my little family and a good credit is going to help me to provide a home for my baby to live in. It was not my fault Chrysler Capital did not have enough personal to cover the volume of calls and for that reason they decided not to call any of their customers. It is not fair under the situation we are all currently living to make this drastic decisions like this. We do not know if we will survive or if we will be able to keep our jobs. This type of delinquency states in the credit report for years that means it will affect me for years. This company needs to be more sensitive to the situation and give their clients a break to focus on our families and our health. 
Please review this complaint and I implore you to help me to remove the delinquency from my credit report. As I stated before, I am in the process to purchase a house, with this I will be able to provide a better quality of life for my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX  Accounts XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, Used XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX has violated my rights.

15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy.

15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission.

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 2016-05-24
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Other

Complaint:
I have been an extremely loyal customer to Citi for nearly a decade. In that time, I have NEVER paid late on my account. Upon checking my credit report I was astonished to find out that there was a late report on my account in XXXX of 2014. 
The late report was due to Citi not applying a payment. Citi stated that the account that I used to make my monthly payment was frozen ( I used my routing number and account to pay ). This was inaccurate because the payment went through using the same account as a debit card transaction. This account has never been frozen and it has always been and still is in good standing ( I have a letter from the company stating this ). 
This has caused my credit score to drop as well as my credit limit to be reduced. Citi will not remove the late payment. They are just reiterating facts and not taking responsibility for their system misidentifying my payment account as a frozen account. This is the reason why my payment was received after 30 days even though I attempted paying my account twice. I even made XXXX payments that finally went through correctly to bring my account current as I am a responsible customer that does the right thing. Citi does not want to rectify their mistake when dealing with a long term, loyal customer with spotless payment history.

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 2020-04-13
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As the situation with Covid-19 deteriorated, I was let go of my job which restricted my ability to pay my mortgage, luckily the federal government step up to help all of those with FHA loans give options to help during these hard times, guidelines that Freedom Mortgage is not following such guidelines to help struggling customers.

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 2015-09-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had a Macy 's credit card account for several years. I keep a XXXX balance and then in XX/XX/XXXX - Macy 's decided to close my account without my knowledge. When I went to use my Macy 's card in XX/XX/XXXX - Macy 's decided to open a NEW credit account without my permission or knowledge instead of reinstating my existing credit line account. After SEVERAL attempts via telephone and email with Macy 's - I still do not have access to my credit card account online. I do not have the ability to see my account information, understand my consumer rights or pay my bill. Macy 's continues to show my old account information ( which they closed ) but will not allow me access online to add or view my new credit account information. I have written to Macy 's, called them, waited for them to call me back, and still have no access or resolution to access my credit account. That is the reason I am now writing to the CFPB to file a formal consumer credit complaint against Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent RENT RECOVERY SOLUTIONS, LLC my first letter asking for the validity of the debt about a alleged balance of XXXX $ that i dont owe. they never responded so i sent another letter on XX/XX/2021 asking for more information that they never provided to me the first time.this tradeline is inaccurate and needs to be deleted from my credit report. I sent both letters off USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting child support as a loan. This reporting includes payment history. It's showing on my credit report as an installment loan. XXXX disputed with experian twice. The second time. They completed the dispute in a day. They did not change the way they reported. It is my debt, they should not be reporting it as an installment loan though.

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 2020-04-19
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  mistreated me by increasing my increasing my rent charge every month. I inform them that I'm now on XXXX with limited income and they stated it was not their problem. They lied to the courts which I had to straighten out by showing the correct documents. I'm still on XXXX with a limited income. I have documents regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently tried to refinance my mortgage. I have a FHA backed loan with an FHA case number. Chase told me that the loan was not an FHA loan, but I sent them documentation showing that I had an FHA case # attached to my statement years after the loan closed. I also had the HUD-1 that proved the same.

The loan officers proceeded to tell me it was showing FHA, but they couldn't find the case number. I've been getting charge PMI on the FHA loan since XX/XX/XXXX, but they couldn't refinance as FHA. Instead of investigating further, the loan officers just repudiated the loan. The loan officers are XXXX XXXX NMLS ID # XXXX and XXXX XXXX.

Please look into this case. Before contacting a lawyer about this, I would like to see if Chase can get this resolved internally. There seems to be something dubious about this to me.

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I 've sent XXXX debt discharge letters for them to remove closed accounts from my credit report under the G.a.a.p. Including medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: ProCollect, Inc.
State: TX
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:
First, I want to disclose that XXXX and XXXX both have removed this collection from my accounts. XXXX completed their investigation and still has it open. The Amount is {$3100.00} to XXXX XXXX XXXX. The final bill includes {$1100.00} charge for Insufficient Notice Penalty. I have 60 days notice as requested and have the letter of notice. I was also charged {$110.00} and {$97.00} for Water. My water bill NEVER exceeded {$35.00} per month. I requested in writing via Certified Letter copies of those water bills, I was not sent them. Nor, was I sent an explanation of the Insufficient Notice Penalty. If this is not resolved, I will file a law suit against XXXX XXXX XXXX and XXXX. I sent XXXX proof of notice and copies of the Certified Letter requesting copies of Water Bills. I honestly do not believe they investigated this. As stated, the other XXXX credit bureaus promptly removed this from 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