BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information after investigation when it was told to delete from my credit report see attachment showing that Im saying the truth. Need action immediately

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 2015-04-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Application processing delay

Complaint:
I wo n't go into it but citi pulled XXXX and denied based on my number not being on my fraud alert. XXXX XXXX conjectured that she could n't remove the inquiry but I applied again when confirmed physically by experian that the number was reporting. This time they demanded XXXX. Classic bait and switch, I RSVP to the XXXX CFPB meeting for the public and I have lots of documents to handover on consumer protection violations. Citi needs to learn Dodd-frank and refrain from attempting to school me on it, XXXX charlatans as they are now want Equifax go figure sounds like ECOA violation retaliation because I filed a dispute. In contradiction to the CCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information after investigation when it was told to delete from my credit report see attachment showing that Im saying the truth. Need action immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX shows on my XXXX credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX of the error in the XXXX Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 
Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.

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 2016-09-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Issue Incorrect information on my credit report : Account terms Describe what happened so we can understand the issue ... 
I have contacted Experian in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items and collections accounts on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct.

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 2017-04-01
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Aargon Agency Inc. is calling me at XXXX. Per Aargon 's records, they know that I moved out of XXXX and now live in XXXX as I am the one who updated that information with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoken with the servicer. Select portfolio servicing told me they will refund the {$250000.00} the stole from yesterday within 72 business hours. THIS IS NOT GOOD ENOUGH. I WANT THEM TO WIRE THE MONEY TODAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
I have contacted XXXX many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the XXXX  New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX filing. again I ask them to immediately remove all late payments or negative credit reporting on my account Thank 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 explanation
Consumer complaint received 2015-09-04
Company: Direct Recovery Services, LLC
State: CT
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
DRS is attempting to collect on a payday loan I did not apply for/did not receive. They have called in the past and most recently, emailed me twice, XXXX different reps contacted me. They have an address of a person with the same name, this appears to either be fraud or a mistake on their end. The address the have for me is XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, I have never lived at this address. The amount they claim I owe is XXXX from Payday Yes, a payday loan company

Company response to consumer: Closed
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX has furnished Experian, XXXX, and XXXX, with inaccurate information to be reported on my credit file. I was never notified of such accused debt and only came to realize this information was on my file through my own investigation. This debt is unsubstantiated, and could not be validated by the alleged 'original creditor ', who stated that it could n't provide copies of original signed contract, and was unable to review original account level documents. 
Upon these finding I contacted XXXX XXXX in a certified letter via United States Postal Service. Under Massachusetts General Laws M.G.L. c. 93, s. 58 the reporting agency ( XXXX XXXX XXXX ) had 30 days to respond in writing to my inquiry and dispute. They have been negligent in regards to responding. It seems they have no intention of proving the debt when in fact they have the burden to prove the debt is in fact owed and accurate. To date, XXXX has a poor track record in regards to it collections and business practices, which had resulted in numerous fines from the U.S. Government and individual states as well, including Massachusetts. The illegal actions of XXXX XXXX XXXX have cause XXXX consumer 's credit files to be tainted with negative information, including myself.

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 2020-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for loan XX/XX/XXXX with Citizen 's Bank, agent XXXX XXXX ( NMLS ID XXXX ). I was told 15 year fixed would be 2.5, closing costs {$3400.00}, I did not have to have Citizen 's account, and I did not have to escrow. I was approved on XX/XX/XXXX and asked for the details again. He said, " we already went over them, we don't have to do it again ''. After pressuring him, he said, It would be 2.65 paying 0.25 points, I had to have a Citizen 's checking account, I had to escrow, and closing would be XXXX or more. 

XXXX is either incompetent or a scam artist and I am guessing the ladder

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Delinquent account

Complaint:
XX/XX/2014 my sears credit card had a balance. On the day payment was due, I received a text as a reminder. The following day I called sears to pay the full amount due, as well as confirm that there would n't be a negative impact on my credit report. The woman I spoke to told me that there was a 30 day grace period, which I was well within, and that if I had been late past that period, that they have a " one time '' late payment forgiveness. At the end of the conversation I confirmed there were not late fees assessed, and she said that it would n't show up on my credit because it had n't been reported as a late payment. Since then I have pulled my credit report for 2 years in a row and it has been reported as a late payment. I have submitted multiple disputes with the credit bureau 's which come back as updated, however when reviewing the dispute results the negative information remains unchanged.

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 2020-03-03
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$26000.00}, {$6100.00}, {$7600.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.

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 2015-04-13
Company: ESCALLATE, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i been paying this sence XXXX i asked them to send bill. they said no. just send money. they wont send a bill but will add interest and late charges. i dont know how much i owe anymore. it 's been along time.

Company response to consumer: Closed
Consumer complaint received 2020-09-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The Home Depot has cash my official bank check of {$500.00} has haven't acknowledged that they cash my check. I wrote to the customer service with proof and fax to the Resolution Expeditor Executive Team this bank is playing games with my money. I don't understand Citibank this has been a nightmare for this senior. 


account # XXXX Citi : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa 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 monetary relief
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  reported me to transunion for a past due bill of XXXX and I paid XXXX XX/XX/XXXX. Then I filed a dispute to have it removed from my report as XXXX  agreed once I paid they would have it removed. It was reported and remove and then transunion reported it again saying the amount owed increased by {$140.00} and my score took a major hit with double digits. TransUnion said XXXX collections agency reported that I still owed and I called XXXX   and their debt collectors and transunion and all Ive been getting is nonsense because they all keep saying its not their fault. Im XXXX XXXX  XXXX  and this is stressful as I was working hard on building my credit because my family plans to purchase a house soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I took a 0 % interest credit card transfer from my at & t Universal Card. The interest free period was to end XXXX XXXX, XXXX. I set up auto payments to insure the entire amount transferred would be paid off before the interest free period ended. I took a separate second 2.9 % interest balance transfer that is to end XXXX XXXX, XXXX. I inquired with the company that if I did that would it interfere with paying off my 0 % transfer. They advised me if I paid the minimum payment, any amount above would go to my balance that was expiring first. I paid off more than my 0 % transferred amount before XXXX XXXX, XXXX ( I owed {$1300.00} and I paid {$2100.00} by XXXX XXXX, XXXX ). The manager today told me as per the Federal Government they pay off the higher interest first, even though I specifically designated this payment to go to the one where I would be hit with a balloon back interest payment. So rather than being charged {$35.00} for 2.9 % interest they are charging me {$1300.00} for not paying the transferred balance by XXXX XXXX, XXXX. It is ridiculous!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-19
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Citi-Financial and have not seen a principal reduction in over 2 years even though I pay my Mortgage payment every month. They tell me it is because I pay late but I can not understand why I have to pay 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: SC
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 a letter to XXXX, XXXX and Experian on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and XXXX it was completed

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 2017-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting XXXX # XXXX This is not my account. I never authorized or used this account. 
They are also reporting a credit inquiry XXXX Inquiry XX/XX/2017 This is a fraudulent inquiry and was not authorized by me.

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 2022-02-26
Company: ERC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't owe anything to ERC ( Original Creditor : XXXX XXXX ) with account number XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation