BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A purchase was made on a Macy 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, XXXX XXXX XXXX XXXX. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
XXXX Mailed letter on XX/XX/21, XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

Transunion- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXXXXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX sold my debit to XXXX XXXX XXXX in 2019 and the account was closed. I made all the settlement payments with XXXX XXXX XXXX with my checking account. The company withdrew double the amount I was told. After completing my payment after 12 month. Non of my payments was reported. Im additional to that XXXX XXXX got the debit back and put it back on my credit report. I attached payments that was made to the collection Agency XXXX XXXX This debit should not be in my report. The company withdrew more than was discussed my monthly payment agreed upon was XXXX they charge me additional XXXX for 6-8 months without my consent.

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 2020-04-05
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your full name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX  XXXX, Mo XXXX SSN:XXXX Date of birth:XX/XX/XXXX Date:XX/XX/XXXX New information request : Dear Creditor, Im not sure why your company is still reporting this inaccurate account to the credit bureaus, but I have a new information request based on the account. 
Creditor : Account : Please show me proof that your reporting is 100 % accurate. I would like to know that my rights are not being violated. Because the reporting of this item is not following the reporting procedures stipulated by the Fair Credit Reporting Act, I request an immediate deletion. 
Please pay attention :

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 2016-08-01
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought house in XX/XX/XXXX, mortgaged through Suntrust Mortgage. They forclosed on me and house was sold at auction on XX/XX/XXXX. In all, I was 3 payments behind, approx. XXXX. I was still trying to make monthly payments to not get further behind and try to catch back up. They accepted a couple payments then started returning them, not accepting the monthly payments and wanting the back payments in full. I was unable to and asked for help. They sent package to fill out and return, which I did and they received it on XX/XX/XXXX. Never heard anything from them as was getting close to auction, I called to see if they were gon na help, they said no, that I did n't get the paperwork to them in time. Said they needed 15 days before sale of house. Mine was there 12 days before sale of home. They did send me letter saying I was denyied help. Said they mailed it out on XX/XX/XXXX, but I did n't receive letter in mail until XX/XX/XXXX., 3 days after house was auctioned off. That 's 2 weeks it took to get a reply from them. My package for help I signed and mailed in could have taken that long to get there too, which is unusual and not my fault. So they could have gotten it 15 days before sale date and being that I have been with them for almost 10 years making payments you would think they would be loyal to their customers and accept my help. Obviously not!!!! Also wish I had known about lawsuit against Suntrust recently. I qualified for a settlement, enough to bring my account current, and not be homeless. I never received anything. Feel I was kicked out of my home by suntrust mortgage. I 'll never do business with them again. Thanks for the 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 2016-08-11
Company: Remit Corporation
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter stating I had 30 days to dispute the debt. Before the 30 days was even up, they placed the debt on my credit report. I called to ask if the debt would be removed from my credit report if I paid it in full and they said no! I was unaware I even had this medical bill initially and it was sent to collections before I ever had a chance to pay it. A medical bill for {$99.00} lowered my credit score XXXX points!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Sunday XX/XX/2020 called synchrony bank XXXX XXXX XXXX spoke with XXXX. 
Informed XXXX that I no longer have income and would like the account closed with no interest or late fees accessed. Per XXXX the account is closed to purchases but no closed completely. Have asked could the account be closed with no interest or late fees included. Per XXXX the account will need to be sent to third party before that could happen. Informed XXXX I have no income at this time due to the pandemic virus. Per XXXX only late fees will be waived of XXXX but payment will be needed to be made. Informed XXXX due the circumstances I have no income.

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 2020-04-05
Company: ARS National Services, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your full name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX  XXXX, Mo XXXX SSN:XXXX  Date of birth:XX/XX/XXXX Date:XX/XX/20 New information request : Dear Creditor, Im not sure why your company is still reporting this inaccurate account to the credit bureaus, but I have a new information request based on the account. 

Creditor : Account : Please show me proof that your reporting is 100 % accurate. I would like to know that my rights are not being violated. Because the reporting of this item is not following the reporting procedures stipulated by the Fair Credit Reporting Act, I request an immediate deletion. 
Please pay attention :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NV
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 they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-04-21
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a judgement from XXXX XXXX XXXX on my credit that was paid in 2018 in full {$210.00} I have reached out to the XXXX XXXX and the collections agency and they confirmed the balance is paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Account Control Technology, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
ACT or Account Control Technology, keeps harassing me at my job. I have told them to stop calling me at work, but they call several times. If anyone answers the phone they ask them a XXXX questions about me. Then they badger whoever answers accusing them of being me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Flagstar Bank, N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My original complaint with CFPB # XXXX. My mortgage company has had a check for {$10000.00} for over a year. The money is for my roof to be repaired on my primary residence. They contacted me on XX/XX/24 right after my first complaint was filed with CFPB. My contractor and I responded the same day with the required paperwork. Since then not only has there been no response but my online files are no longer there. The same link that my files are supposed to be they have an email option. I tried to email and it stops you on the tracking #. The only option that comes up is the word " select '' so it's impossible for anyone to send an email. 
Every time it rains my roof leaks. They have had my money to fix it over a year. I have emailed, faxed and uploaded the required documents several times with no success. I'm including screen shots of all the info i just gave you. Please 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 2019-10-30
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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.

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 2022-09-15
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX sold my debit to XXXX XXXX XXXX in 2019 and the account was closed. I made all the settlement payments with XXXX XXXX XXXX with my checking account. The company withdrew double the amount I was told. After completing my payment after 12 month. Non of my payments was reported. Im additional to that XXXX XXXX got the debit back and put it back on my credit report. I attached payments that was made to the collection Agency XXXX XXXX This debit should not be in my report. The company withdrew more than was discussed my monthly payment agreed upon was XXXX they charge me additional XXXX for 6-8 months without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately.

Report Number is XXXX from XXXX  Credit Report Reference : Reference # 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 2021-10-29
Company: Bread Financial 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: Account information incorrect

Complaint:
I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX has stated they do not correct any issues that are reported on credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NY
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:
Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that Equifax and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-02-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/2016 I obtained a Mortgage for the amount of $ XXXX for the building that I perform my business from First Citizens Bank XXXX 
Bank is implementing coercive actions to force me to transfer my business accounts that I have with XXXX to them, although we went through all of my accounts and they can not match the service and the term that I currently have with XXXX, otherwise they will increase my mortgage rate by 3 %!! I keep receiving threatening phone calls and letters from First Citizens Bank. I believe this is an illegal business practice and I am asking you to advise them and make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sent me a letter stating I owed over {$320.00} for a debt through PayPal Smart Connect, a credit line through PayPal that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from PayPal Smart Connect stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and PayPal Smart Connect because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the BANKRUPTCY account # XXXX with Experian on XXXX, XX/XX/2020 and XX/XX/2020 and asked for a description of reasonable procedures used to verify this alleged account. Experian continues to respond that the account is verified and the information is certified by XXXX XXXX XXXX XXXX XXXX. 

The account numbers reported through EXPERIAN as XXXX do NOT match the account number being reported on XXXX XXXX REPORT case # XXXX which reports a BANKRUPTCY CASE NUMBER as XXXX. 

This alleged Bankruptcy account was also disputed to XXXX XXXX XXXX on XX/XX/2020 and XXXX/XXXX/202 ( as instructed by EXPERIAN on their responses and dispute results ) and a request for reasonable procedures for verification of this alleged account. XXXX continues to report this alleged Bankruptcy and they have FAILED to provide me with their reasonable procedures though they have been requested on the above-listed occasions and also today XX/XX/2020. 

As a simple consumer, I can not quite understand how one consumer reporting agency, in this case, EXPERIAN, can simply get the account verified by another consumer reporting agency, in this case, XXXX, without any actual proof. 

I know for sure that XXXX failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. 

I also know for sure that the account number ( file number ) that EXPERIAN is reporting is false and is also a violation of the FCRA. 

I sent a letter to the XXXX BANKRUPTCY XXXX in XXXX, NH on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, letter postmarked on XX/XX/2020. 

There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.

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 2020-04-20
Company: EQUIFAX, INC.
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:
All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Credit Card Receivables Fund Incorporated
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
this was owed to another company and unifund ccr ppartnerr said the bought the loan its been since XXXX I tried to make a payment but what I was able to pay they refused to accept now they have doubled the amount and twice the interest rate because unifund was after my house that I lost in XXXX do to illness I have XXXX had XXXX I need help in this matter

Company response to consumer: Closed with explanation