BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
When looking at my credit score and history, a credit card shows up that I have no idea of till just recently. It is 99 % capacity, $ XXXX out of $ XXXX. The card was made back in 2016, when I was a minor! This literally showed up on the credit report randomly like magic. There's literally no way for me to pay any of that cause I didn't spend it or have access to the card. I can not get a hold of the bank, CITIBank cause, again, I have no access to the account. Even with access to the account and me magically having that much money, credit score predictor shows that I can not revive my previously good credit score. I have had a fraud alert on the identity and credit for these last couple of months, so this is even more fraudulent, When double checking my credit through XXXX, I got a number to call support and the only human I got was for debit accounts. which wasn't helpful cause I have no idea any of the information that is associated with this account. How are they even connected to me but I don't have any access?! My ssn isn't even connected!

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 2023-05-12
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company involved : XXXX XXXX, XXXX, XXXX XXXX XXXX Dates : XX/XX/2022 - XX/XX/2022 Amount : {$6300.00}. 

Apartment is currently being sued for breach of contract by over XXXX tenants. Case number is logged and case is pending trial with XXXX. 

Land lord had multiple health code violations and failed to remediate, law suit takes note of this. Land lord attempted to collect an amount for rent which was not agreed to in the leasing contract. Multiple notices were given that this amount is incorrect. Land lord sent the amount XXXX XXXX. They have reported the incorrect amount to the credit agencies which has damaged my score. 

The Land lord is not owed anything as they were in breach of contract and the amount they are attempting to collect is wholly wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Synovus Bank
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I sent in a total of XXXX dollars to XXXX XXXX XXXX XXXX, better known as First Progress Credit Company. I sent in the XXXX dollars about two years ago to get my credit resestablished for a secured Credit Card to XXXX XXXX XXXX XXXX. I just recently closed my account with XXXX First Progress Company on XX/XX/2023. I faxed my letter to close my account and give me my XXXX dollars back on XX/XX/2023. I have called the customer service number every week since XX/XX/2023 asking to have my money to be expedited to be sent to me and as of today, I have no REFUND OF MY MONEY. EVERY TIME I CALL THE CUSTOMER SERVICE DEPARTMENT THEY JERK ME AROUND AND LIE TO ME!! AS TO WHEN I WILL RECEIVE MY MONEYBACK. I am tired of the dishonesty and the lying to me the consumer. I need my money back AS SOON AS POSSIBLE, this is a total FRAUDULENT COMPANY HOLDING ON TO MY MONEY. I watnt this rectified AS SOON AS POSSIBLE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I was contacted by Citibank. Evidently our account was 30 days past due. Why they didn't reach out to us before it ws 30 days past due, I am not sure since we have never missed a payment. However, in speaking with them, it turns out we were switched to their estatement system. We never signed up, despite their claim that we did in XX/XX/2023, for estatement. We don't use ANY estatements to pay ANY bills because of the chance of them ending up in junk emails. 

It turns out our last two statements were send via email and that they were never seen because they ended up in junk email. I don't check junk emails as, they are junk. They are automatically deleted and there was no reason to check them. 

Again, we never signed up for estatements KNOWINGLY. My guess is that on the website, it is an opt out if you make an online statement. Either way, it was on Citibank to contact us via another method if we missed a payment and they failed to do so until it was already 30 days past due. I take our credit history seriously and this has damaged our credit history. 

I spoken with Citibank and they indicated that due to the situation they would and could review it and reverse it. However, in my experience this doesn't happen. I am writing because when I filed the request, Citibank wasn't even aware that this was an option ( despite the fact that their own employees told me about it ). 

It has now hit our credit rating and damaged our credit. We have an excellent payment history with Citibank so i believe they should reverse this ASAP. I have notified them by phone, put in the request and put it in writing as well but, in my experience, credit card companies rarely do the right thing and, based on my conversation today, I doubt they will here as well. 

I want 1 ) Citibank to remove the report to XXXX ( and the only way I found out is I monitor my credit reports ) 2 ) Do so immediately 3 ) For long term customers they should reach out by phone before the 30 day window occurs because it damages their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Idaho Housing And Finance Association
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Contacted XXXX XXXX prior to property taxes due in XXXX to verify amount covered by escrow. Customer service informed me the escrow account pays the amount and the letter is just a taxes formality. 

XXXX XXXX received a letter stating taxes were not paid with 30 day notice. Called XXXX XXXX 3 times, emailed letter, each time was told it was being taken care of and would take 10 days and watch my escrow account. XXXX XXXX still not paid. Received survey letter in the mail from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On or about XXXX, I requested my " Free '' annual credit report from " XXXX '' and they mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX with in approximately 2 weeks. My " XXXX '' FICA score is " XXXX. '' On or about XXXX, I requested my " Free '' annual credit report from " XXXX '' and they mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX within approximately 2 weeks. My " XXXX '' FICA score is : " XXXX. '' On or about XXXX, I requested my " Free '' annual credit report from " Equifax '' and they STILL have NOT mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX. Instead, " Equifax '' mailed me a letter dated " XX/XX/2023 '' to my home address located at : XXXX XXXX XXXX ; XXXX, California ; XXXX instructing me to mail back to " Equifax '' a " copy of my current/valid California driver 's license '' that has my XXXX XXXX XXXX XXXX XXXX CA ; XXXX as my legal California address . And I did so along with my latest " pay stub '' that only listed my " last 4 digits '' of my Social Security Number ( per " Equifax '' additional request ) and I mailed back those 2 requested items back to " Equifax '' the following day. And I STILL have NOT received my " Free '' annual credit report from " Equifax ''!!! But yesterday ( XX/XX/2023 ) I did receive the EXACT SAME LETTER from " Equifax '' ( this one dated " XX/XX/2023 '' ) requesting the SAME TWO items that I had previously mailed to " Equifax ''!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i recently received my credit report and it indicated that my account with XXXX was deliquent, i have never been deliquent and it stated the date of XXXX XXXX and the balance XXXX. I have a car i am financing with but that is the incorrect amount and i have never been late with the company. I contacted XXXX and they do not show that amount or me ever being late.

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 2019-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : PORTFOLIO RECOV ASSOC XXXX .... {$2600.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$1300.00} PORTFOLIO RECOV ASSOC XXXX .... {$1200.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$480.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$480.00} PORTFOLIO RECOV ASSOC XXXX .... {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX My entire bank account was emptied bc of a judgement taken by Weber Oclese law firm. 
The debt is XXXX, owed to the State of Michigan for back taxes. I do not recall receiving a judgment or information regarding t
his debt or else I would have made an attempt to rectify it.

According to your website, a garnishment should leave some money in the bank. But everything was taken.

I have 3 XXXX. No job and a XXXX  with medical needs. Nothing was taken into consideration when garnishment was taken.

I attempted to call the rep assigned to my case but he didnt call back nor answered the phone. I called multiple times throughout the day.

Its so wrong to take everything I had. I need to borrow money to just feed my family at this point. And Im not sure when they will come back for the remaining amount.

Such predatory measures taken. Its sickening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: MO
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:
Hello I am an authorized user on my mothers XXXX XXXX XXXX XXXX XXXX  CREDIT card. Unfortunately my mom passed away in XX/XX/2023. Ive been making the payments however Im not sure what to do next. I contacted XXXX XXXX about the credit card as well as her mortgage back in XXXX I received a packet from the mortgage department but nothing about the credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a home loan with XXXX XXXX for a home loan and was denied based on information received from XXXX, XXXX and TranUnion.They have be reported a deceased person and a unknown male purposefully for years.The deceased person was using my name as XXXX XXXX XXXX in Virginia.They mixed my file with this person and affect my length of credit showing I had none and the deceased person had it .I have tried to have this matter settled.They are causing me a hardship continually showing inaccurate information.I want my report correct now I have retain a civil attorney I am coming for punitive and compensatory damages.

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 2022-05-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened checking and savings accounts with TD Bank on XX/XX/2022. I was told my checking account was closed by the fraud department on XX/XX/2022 and the balance was mailed to me via check. However, till today ( XX/XX/2022 ), I still haven't received the check! 

Before they arbitrarily closed my account, the account had been locked by the bank because of some transactions ( money transfers ). For that, I made 3 phone calls and 1 local branch visit to verify those transactions. However, the account was eventually closed by the fraud department, and I never got any reason for the account closure. Then I chose to close my savings account in a branch because I had no patience with TD bank anymore.

Since I haven't received the check for the checking account, I had to visit the branch again. This time, they said they have nothing to do but file another request. They gave me the phone number of the Fraud Resolution department and ask me to make the phone call on my own. On the phone call with the Fraud Resolution department, the representative again filed another request ( sending another email ) to some backend team to inquire about the status of the check mailing. 

I have lost hope to be able to get my money back and feel very exhausted. I regret that I chose TD bank for checking and savings accounts. I hope I can get some help from the federal regulator.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: U.S. BANCORP
State: IL
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:
XXXX XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

ELAN FIN SVCSXXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information ELAN FIN SVCSXXXX XXXXXXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car is in repossession status and a government entity is trying to consider helping me to make the payment since Im a student in the WOIA program through the TWC. 

American Credit Acceptance is denying me access to information about my account and denying the Texas Workforce Commission the letter that they need about my repossession as well as any account information to try and get it out of repossession status. 

Theyre denying me the right to get any information to try and get the car paid current and out of repossession status. 

Please intervene so that I can try to get this resolved. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I co-signed for my son-in-law 's XXXX Honda XXXX on a 3-year lease in XX/XX/XXXX. On the lease application, I submitted my home address and phone number that was different from my son-in-law 's address and phone number. Apparently, he was late in making payments but Honda did not notify me of this by mail nor by phone. It wasn't until I saw it on my credit report in XXXX as a negative inquiry that I learned of his delinquency. I contacted Honda in XXXX, explained that I had not been given notice nor the opportunity to pay the debt myself. They told me that Honda considers co-signers to be " co-applicants '', and that they didn't have to notify me of the delinquency. They refused to remove the negative mark from my report. In checking my credit reports recently, I see that Honda re-reported this negative inquiry in XX/XX/XXXX. It has been almost 8 years since I co-signed this Honda lease in an attempt to help my son-in-law. Since then, he has turned in the lease for the XXXX, paid in full, closed the account and received approval ( without me as co-signor ) for a new XXXX Honda XXXX three-year lease which he has since turned in, paid in full. 

How long can Honda continue to make my credit rating suffer? Again, I just contacted XXXX XXXX XXXX to request removal of this negative mark from my credit report and they refuse.

Company response to consumer: Closed with explanation