BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Been a card member of CitiBusiness since XXXX. We have not had a lot of fraudulent transaction regarding this company. Charges for XXXX XXXX XXXX started in XX/XX/XXXX and occurred each until XX/XX/XXXX. We paid the statement amount in full every month and disputed said charges. Below is the charge amounts for each month : Date of Charges : XX/XX/XXXX {$110.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$150.00} I am attaching documents and letters sent to Citibusiness letting them know these were fraudulent charges and we disputed them. 

Citibusiness started issuing credits against said charges in XX/XX/XXXX. Credits and dates issued are listed below : XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$38.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$110.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) In XXXX when the last credits were issued, we consider the matter resolved and settled. 

We received a letter dated XX/XX/XXXX from Citibusiness with a copy of the merchant 's response which had inaccurate information in their dispute reversal request. They had only partial matches on the authorization information and the email address associated with the XXXX account is not associated with me or our companies. We signed the document from Citibusiness stating that I nor anyone authorized by me made this charge ( s ), along with a letter asking them to add on the auto biller updater suppression to all cards related to the account. It was faxed back over to Citibusiness on XX/XX/XXXX. 

On XX/XX/XXXX we received another letter with XXXX response to more of the charges and again supplied documents that had only partially matched authorization information and again wrong email information. They requested proof we cancelled in accordance with the merchant 's terms and conditions. Example of this proof would be a cancellation email from the merchant. On XX/XX/XXXX we signed Citibusiness form stating this wasn't a charge authorized by us and sent a letter explaining we can't provide proof of something we never signed up for. Letter and signed document were faxed back to Citibusiness on XX/XX/XXXX. 

On XX/XX/XXXX Citibusiness has sent a letter advising us the charges are being reversed and the investigation is closed. 

These are fraudulent charges and we have disputed every charge from this merchant since it began.

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 2022-08-15
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:
In previous months, I requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had corrected. Due to CREDIT BUREAUS ' lack of response which I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. If Credit Bureaus wish to correct this dishonor, I will give them one more chance to correct errors and FIX my records. Please update the account, which have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the account listed below in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX Balance {$16000.00} Please provide documentation that the account belongs on my credit report and that my rights have not been abrogated. Otherwise please CORRECTY this damaging data immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: PA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action 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 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion is reporting a debt to a utility company. They list the dates in XXXX of XXXX for XXXX utility board. I haven't lived in XXXX since XXXX, therefore this date is inaccurate as I haven't lived there for 4 years. Furthermore, it was for an account tied to an apartment that I moved out of in XXXX of XXXX. XXXX utility board reported the account delinquent as of XX/XX/XXXX when the account was already out of my name. No one has provided any proof of the validity of the debt and I've asked for this to be removed as it is negatively affecting my credit and it isn't a valid debt.

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 2017-04-21
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After several months of no decision on a loan modification and being told that if I accept a trial it will halt c  Income bas ed consideration,  Citumortgage sta rted the foreclosure process on my home. After several conversations, I was asked if the home was vacant. The answer was yes. It seemed that the movement stopped on my modification because it went to underwriting twice. During this time I went to court several time and at the mediation, there was no compromise on their part. I was offered a trial that was {$800.00} MORE that my current payment. I made  6 pay ments because I did n't want to loose my home. When I received the paperwork, I questioned why my payment was so high and was told it was for taxes and I needed to discuss it with   XXXX   tax. They put me in touch with  XXXX  and they said it was the vacant property tax. When asked how they know the house was vacant, they said  Citu rep orted it to them. They also said that there were conditions for exemption. I was exempt o n 2 ca tegories. Litigation and renovation work. The tax was  XXXX  and should not have been paid  by Citi an d added to my mortgage payment. I submitted the necessary proof to  XXXX . I had a court date in the interim and told the court about the payment and that I was awaiting that reimbursement. In the meantim e Citu sold m y note to  XXXX  mortgage for  XXXX  without the adjustment being received for the  XXXX . The original mortgage at time of application for modification was  XXXX . The problem is that the bank reported my home to the city as vacant knowing that it was exempt from the year over year tax. I wonder how many people have lost their home because citi reported their home and they incurred the tax and did n't question it.     I want this practice looked into. I wan t Citi to modify  my mortgage to the very first offer and make adjustment inclusive of all payments, interest, fees, etc.

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 2017-03-10
Company: Credit Solutions, LLC (KY)
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
COMPLAINT account # XXXX This is getting ridiculous, i just found another collection agency on my report that never sent a validation letter to me. Why are these agencies allowed to get away with this fraud! unbelievable. I HAVE HAD ENOUGH, IF CREDIT SOLUTIONS LLC DOES NOT REMOVE THEIR TRADENAME OFF MY CREDIT FILE I WILL TAKE LEGAL ACTION FOR DEFAMATION, PERIOD. IF CREDIT SOLUTIONS SEND A VALIDATION LETTER AFTER RECEIVING THIS COMPLAINT WILL RESULT IN A CAUSE OF ACTION UNDER THE STRICT LIABILITY STATUTE FDCPA FOR FALSE AND MISLEADING REPRESENTATION. 

Now comes, XXXX, in consumer capacity filing a complaint against debt collection agency Credit Solutions LLC, an Kentucky agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Credit Solutions LLC tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; Credit Solutions LLC placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Credit Solutions LLC and XXXX ; I have never received any validation letter from Credit Solutions LLC prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC 1321.591, and XXXX Case No. XXXX ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; Frey XXXX, 970 F.2d 1516, ( 6th Cir.XX/XX/XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with UCC 2-201 Statutes of Frauds ; ORC 1335.05 Ohio Statutes of Frauds ; XXXX v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; If I am denied credit do to the fact of Credit Solutions LLC actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently got a new phone number ( XXXX XXXX XXXX ), and since then I started to get at last 3-4 calls from ( XXXX ) XXXX XXXX Wells Fargo 's Online Customer Service every day. It seems that they are trying to collect a debt from the previous phone number owner. I called them today to explain that I never had any banking account and/or credit card with them, and I recently ( 2 weeks ago ) got this number. I asked them to stop calling and harassing me, but the problem seems to persist.

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 2021-07-21
Company: OneMain Finance Corporation
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:
1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report.

3. I have a total of 4 wrongful inquiries on my credit report. 
-XXXX  XXXXOnemain -XXXX  XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.

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 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, my CapitalOne was closed by the bank with my rewards money of {$220.00}. They closed my account but never sent me a check for the money that they owed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to file a complaint after several writting to this collection agency nothing was resolve I never in my life have spring service now im getting bill for {$1400.00} for spring and this collection company it was report to all my credit I even called the collection company to send me prove that when was this account was open no prove was sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, Equifax and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX, Equifax or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
RE : XXXX Loan -- -originated through XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Now : Fay Servicing XXXX for XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX Tn XXXX ( for mailed payments ) XXXX XXXX XXXX, XXXX XXXX Illinois XXXX XXXX ( for automatic pymts -- -but never was able to get them to recognize the loan number ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois, XXXX ( escrow/impound account ) XXXX XXXX Fay Servicing has changed their website that required me to re-register... which I have done. Now, sometimes it recognizes my login and sometimes it doesn't. There is no option indicated for making a payment or setting up automatic payments. When my mortage was transferred to Fay Servicing ( several years ago ) I was never able to successfully set up automatic payments from my credit union. It kept replying that my loan number was not recognized. Not even the customer service rep at Fay Servicing was ever able to figure out why it wouldn't recognize the loan number. Ever since then I've been going online to make my payment each month. Now I can't even to that and it is impossible now to get a live customer service agent. I'm very concerned about how I'm going to be able to make a payment on XXXX XXXX, XXXX. I have tried mailing my payment in the past, but the payment was late by the time they finally processed it. I don't want to be paranoid but, because making a payment is so extremely difficult, I'm beginning to wonder if they'd prefer I default, or maybe they want to force me to refinance my loan (?? ). I've received and annoying number of phone calls from XXXX XXXX about refinancing my loan. Please help me set up automatic payments from my credit union. 

Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Franklin Credit Management Corporation
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In  XXXX , I took out a second mortgage from   XXXX   XXXX  . In  XXXX , the loan was sold to   XXXX   XXXX  . In  XXXX , I obtained a release of lien so I could sell the property (  XXXX   XXXX ,  XXXX , MI  ).  At that time, the interest rate was hiked to almost double the original amount due to the loan no longer being a mortgage loan and I continued paying. Missed payments have greatly affected my  credit score.   The original loan was for {$47000.00}. Fast forward almost 20 years and the loan is still being reported to credit bureaus as a mortgage loan, it is now being collected throu gh Franklin Credit. Als o, I have struggled some financially in the past 5 years and had to ask for a re-aging of the loan. Even though I completed the deferment agreement which stated the late fee balance and interest would be tacked on to the end of the loan, this did not occur and penalties are still showing as due. After almost 20 years of paying, the balance is still around {$35000.00}. I am feeling preyed upon and do n't know how I can ever get out from under from this. Any assistance you could provide would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe this was a result of XXXX XXXX in XXXX, California, I paig my bill in full, almost {$1500.00} before I left XXXX. This was paid off at the front desk in their office using a credit card. As for the dates, I have no idea but I left XXXX on XX/XX/2014. 
Now, I'm sick and tired of every credit bureau, every complaint department ALWAYS being in the right - this was paid off and I will not pay it again.

Rash Curtis bought an account that was not correct and that's their issue, NOT mine. It's XXXX  how everyone makes the consumer the responsible party to an issue that should not have gotten to this point. I'm fed up with this collection and I want the bogus complaint removed from my credit report TODAY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently requested copies of my statements and cancelled checks for the last year from my checking account. I was emailed 6 months worth of statements.  Wells Fargo sa id they could n't email the rest because " only some of them could be opened ''. They said they could only print them, but the files could not be opened. I then looked through the statements I did receive. I received  XXXX  different and conflicting statements for the month of   XXXX   XXXX   They are both clearly from the same account, and yet they have different information on the statements  ( one  said we were overdrawn for the month and the other said we had over {$4000.00} in our account ). When I spoke to  Wells Fargo  about these obvious problems in their records, and asked them to look into these problems. They said that they would not do that, it was against policy to investigate problems like these. Well, these are my records and since there is a very obvious problem, this needs to be addressed.

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