BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: CITIBANK, N.A.
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:
Citi Bank Shut down my Credit card s Accounts for no reason and all of a sudden The credit cards was established in   XXXX   and after which should represent and play an important role in the Ages of my credit if they where still open. pls see attached chart from experian where the chart shows that Age of credit History factor around  % 30 percent from my FICO credit score now i have to pay the price very high and are very costly to take out a mortage loan with my only current credit score   XXXX  FICO so i have to jump to  XXXX  to get those Pricing for the  APR on the loan see attached estimate from my loan officer i called today Citi Bank Credit cards C ustomer service on  XXXX   XXXX  and tried to reopen an account that was closed previously but it was denied automatically they only keep the accounts that i shows it was closed by consumer in customer service System, the account that is closed by credi t grantor they keep it in the ARCHIVE where no one can access it according to what they are Saying but they forgot that those account shows on my credit report pls See attached report page 5 and 6 Customer Service at CITI CARDS calls will go no where and supervisor wo n't help they refuse to open any old account and they are not aware that they Damaged my credit report even tough i had a great payment history with CITI cards among all the 7 to 10 Credit cards i had with high Credit Limits

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 2022-05-24
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: LA
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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A second part of my original complaint : Midland threatened to contact my employer/ Supervisor and manager. This company also failed to provide me with documentation to validate this alleged debt and I have not had a delinquent CC debt for 3-5 years so this may be an old debt that is passed the allotted time frame. Ive sent a second request to validate this alleged debt even though I didn't receive a response from them within the 30 days as required by law. 

Original Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IT APPEARS IN MY CREDIT REPORT AN ACCOUNT WITH XXXX XXXX THAT IS IN THE HANDS OF A COLLECTION COMPANY, THIS ACCOUNT WAS REPORTED AS A FRAUD, SINCE I WAS INVOLVED IN THE THEFT OF MY IDENTITY, I DID NOT HAVE THIS CABLE TELEVISION COMPANY, A LOT LESS IN THE ADDRESS THEY SAY I HAD THE SERVICE. I HAVE REQUESTED VALIDATION OF THE ACCOUNT AND THEY HAVE NOT SENT DOCUMENTS THAT VALIDATE THE ACCOUNT, VIOLATING MY RIGHTS AS A CONSUMER,

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 2017-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
UNEXPLAINED AND INEXPLICABLE CHECKING ACCOUNT CLOSURE Dear Recipients, I am alerting you as well as giving you the opportunity to correct a mistake before it becomes a Media or Legal problem for Chase. 

Last night while at XXXX XXXX in XXXX XXXX, CA, my purchase was declined. Embarrassing and also Alarming I left the store without my Purchase. 

I proceeded to log into my account via my phone and the Chase App, on my phone. The App denied me access to my account, so I decided to call the Customer Service phone number to find out what had happened. 

This what I was met with, : '' Sir we have decided to end our Banking Relationship with you after Internal Review the Decision was made '' " What information was used or what decisions had been reached, using what data, to make that decision '' I asked. 

The response was that they have no responsibility to tell me or explain the Decision. 

Pretty Incredulous RESPONSE to a simple inquiry. 

As a Politically Active XXXX Man who is XXXX XXXX  and uses my account for the primary purpose of Receiving Federal Funds from the US Treasury and XXXX XXXX XXXX Benefits, I can only surmise that Chase Bank engages in Discriminatory Practices, for people such as myself. 

I would have to assume this based on the lack of reason being provided. I know that Social Media as well as Stories of Interest, can be a powerful tool to bring about change. I also have no problem involving Media, Politicians and using full weight of the XXXX Community to bring about an instant response. 

Why do I need to do that? 

I activevely suggest and require a response immediately to mitigate any further action on my part. 

Sincerely. 

XXXX XXXX XXXX XXXX XXXX ; XXXX Show quoted text

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I hired an attorney to handle settling a mortgage with Green Tree Servicing. The mortgage in question was never recorded, has not created a lien for the property and is an unsecured debt. There is also a recorded XXXX Bank mortgage on the property that is currently in foreclosure. This mortgage secures an outstanding note in the amount of approximately {$190000.00}. Although the XXXX Mortgage secures {$190000.00}, the property is not worth any more than {$120000.00}. I therefore made attempts to settle the Green Tree mortgage. However, not only has Green Tree Servicing denied any and all of my multiple attempts to settle this matter, but they now ignore all communications from my attorney. All I want is to smoothly settle this otherwise worthless mortgage so I can move on with modifying the XXXX mortgage and get on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: ECMC GROUP, INC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a XXXX XXXX loan that went into collections. The account has been transferred several times and each company charges me a default fee. 
The principle balance has been paid but I still owe {$8000.00}. This balance is almost entirely these bogus fees. I complained to the new company that charged me a default fee as soon as they sent me a bill and they stated that my loan docs allow for this fee. The new company did n't even give me the opportunity to make XXXX payment before they charged me for default. I looked at the original documents. They do say that I may be charged a default fee, but not by every company that touches the account. The loan docs do not state how much the default fee is or how frequently it will occur. I do not think this is a fair practice. I should be done with this and instead I am stuck making payments on made up 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 2022-10-23
Company: Genesis FS Card Services, Inc.
State: GA
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:
Your company is in violation of the fair credit reporting act 15 U.S.C 1681s-2 ( A ) 15 U.S.C 1681s-2 ( A ) prohibits furnishers to report information with actual knowledge of errors to the consumers credit file. 

See Dispute attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since XX/XX/2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.

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 2017-08-22
Company: EQUIFAX, INC.
State: NE
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:
On X/XX/2017 XXXX XXXX XXXX submitted a request to delete the account they are reporting to Equifax due to it being a fraudulent account. Despite XXXX XXXX XXXX requesting the item be deleted Equifax is still reporting the information. I have included a copy of the complaint filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Phone call to XXXX and Transunion to inform them that this debt owed to XXXX XXXX XXXX XXXX was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or Transunion. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX 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 explanation
Consumer complaint received 2016-04-15
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Below is my latest letter in regards to their BLATANT DUAL TRACKING AND PROOF XXXX/XXXX/16 XXXX XXXX and XXXX XXXX On XXXX/XXXX/16 I faxed and overnighted my appeal on loan modification with proof that I never was given a true modification from XXXX and had tried for months to get them change to a correct date for acceptance but they did not so I proved I never accepted or denied a loan modification from them because you can not accept or deny one that is not valid when they send it. This is called fraud and why XXXX is under fire for not handling loans correctly and falsifying documents. Also my income proved I could make payments. So I sent the appeal to you and requested a new packet. I did not receive anything back from XXXX or XXXX regarding the appeal letter or new modification. I requested multiple meetings with my SPOC and have yet to hear from him. I did not even get a message back for 2 months after I wrote this. PER CHBOR you can not file a NOD while looking at appeal nor can you after I requested a new mod packet but you did on XXXX/XXXX/16. With a different amount than the statement XXXX sent me. I have now forwarded all of this to the attorneys at XXXX XXXX. I have also sent to California AG and CFPB. I will fight this the entire way. I have asked for repayment plan and 6 to 9 month workout with nothing back from BSI FINANCIAL. With your illegal practices and violations there is a group of homeowners that we are all keeping track of every single violation and I have saved every voicemail and paper I sent. The Tracking # with all of this information is XXXX was signed for at XXXX on XXXX/XXXX/16 so you can not deny receiving appeal and asking for more documentation. So BSI FINANCIAL Sent a loan Modification Denial on XXXX/XXXX/16. I received on XXXX/XXXX/16. BSI FINANCIAL received my Loan Modification APPEAL on XXXX/XXXX/16 which was 28 days after and I had 30 days to send which the tracking # proves. I then also requested a new packet as XXXX told me. I never received anything. Also the NOD was filed on XXXX/XXXX/16 which you are not allowed to do til 15 days after I receive status on the appeal and I have the opportunity as I requested a new loan modification paperwork. THE NOD will need to be rescinded immediately. Since I have been keeping track of everything I am prepared to take this to court for illegal practices. Since BSI FINANCIAL is denying working with me and trying to steal a home which I will not move out of. Nor have you offered to work with me on a payment plan or reinstatement and MY SPOC has refused to schedule a meeting with me. I have to do all I need to do to protect myself and I am not putting up with the bullying and harassment and elder abuse from BSI Financial. 
You have 7 days to rectify the situation in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The XXXX XXXX  was repossessed on XX/XX/XXXX according to Capital One Finance. This repossession has been reporting on my credit report as a collection/ charge off. 
I first called them in XXXX asking for these documents and they told me that they didn't have the 1099-C because they hadn't written the debt off yet even though it's reporting as a charge off. 
I also asked for a copy of the Notices to sell and resell letters and they said they don't have that. 

I sent my first letter to them dated XX/XX/XXXX asking them for ; 1. the original contract with signatures on it. 
2. Audit trail. 
3. Auction Information 4. 1099C They responded with a account history and a unreadable copy of the contract. 
I called them on XX/XX/XXXX and asked for the same documents again and for them to include a readable ( Larger Copy ) of the original contract and was told they would send all the information. On XX/XX/XXXX I received a letter titled Confirmation of repossession. On XX/XX/XXXX I received a letter titled YOUR CREDIT BUREA REVIEW REQUEST, another one titled YOUR REQUESTED DOCUMENTS, EXPLANATION OF CALCULATIO OF DEFICIENCY, EXPLANATION OF CALCULATION OF DEFICIENCY WITH NO READABLE CONTRACT. I also followed up with my 2nd letter to them dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a previous complaint about this company. I checked my credit report & saw that Midland Credit Management continues to update remarks on my credit report by decreasing my account by {$1.00}. What is the purpose of this other than to continue to damage my credit & try to get me to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: RI
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 Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights. 

15 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 an 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 explanation