BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was notified by my city that a property tax payment had not been made and that a fee and interest was being added. I contact the city who confirmed no payment was received. I notified Ditech that the city had not received payment, they made an additional payment, with both payments being paid from my escrow account. In the end two payments and a late penalty were deducted from my escrow and only one payment was applied to my property taxes. 
I have contacted the company multiple times including a formal notice of error, and never received a final response regarding the missing payment. They also have not provided any information to myself or the city about a check number or receipt for the payment they claim they made. 

Events : 1 ) XX/XX/XXXX Deduction appears in escrow account for 4th Quarter bill ( {$710.00} due XX/XX/XXXX ) 2 ) XX/XX/XXXX Receipt of real estate demand from City of XXXXXXXX for {$740.00} ( outstanding bill plus additional fee and taxes ) 3 ) XX/XX/XXXX Correspondence sent to Ditech informing of unpaid taxes and demand letter 4 ) XX/XX/XXXX Ditech responds claiming payment was made XX/XX/XXXX 5 ) XX/XX/XXXX City of XXXXXXXX Treasurer  confirms via email that no payment was received on XX/XX/XXXX or since 6 ) XX/XX/XXXX Call to Ditech speaking to Taxes & Insurance department. Ditech Representative confirms there were issues transmitting the payment, confirms I am not responsible for fees and interest on outstanding bill, and schedules payment on outstanding bill and taxes and fees. 
7 ) XX/XX/XXXX payment of {$760.00} posts as being made from my escrow in addition to XX/XX/XXXX deduction from my escrow. 
8 ) XX/XX/XXXX Formal Notice of Error filed with Ditech, Ditech receives complaint ( XX/XX/XXXX ) with response expected within 30 days 9 ) XXXX/XXXX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 10 ) XX/XX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 11 ) XX/XX/XXXX Loan servicing is transferred from Ditech to XXXX XXXX   11 ) XX/XX/XXXX Ditech response saying they made payments but need to confirm with the city, and I will be notified when the investigation is completed with a response 12 ) XXXX contacted Ditech and was always told I should receive a response 13 ) XX/XX/XXXX contacted Ditech and was told they had responded, but could not proved me information about the response. Told me to contact new servicing company 14 ) XX/XX/XXXX contacted new servicing company whom never responded

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX XXXX I wrote a letter to TranUnion asking for all negative items to be dispute. To date they are in violates of bot responding to my letter within the 30 day time frame.

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 2021-07-17
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I received a loan from Santander for {$12000.00} approximately four yrs  go.Had hard times and fell behind and charges tripled and can't keep up the pace. I have paid around {$17000.00} so far and still owe {$14000.00} on an XXXX  XXXX XXXX in which XXXX XXXX XXXX XXXX says is worth {$2000.00} as trade in, most others say {$1200.00}. My family need a larger vehicle now and can't get out from under this for another 3-4yrs. I read the loan lawsuit on Santander and am thinking I may have fallen prey to this scam. Any help will be appreciated. I have been informed by car dealers that Santander s known for entrapment of consumers and to just let the car go but I really don't wish to but may be no other way out. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm a transitioning union bank member, to US Bank.As union bank members, we have been all being lied to, about that refunds put on our old card get automatically transfered to new card.As most people called to ask this specific question before a activating new card, as I did and was told flawless transfer of funds from old card to new.I called on XX/XX/XXXX, before activating new card.Yesterday I talked to US bank fraud department and am told there is no automatic funds tranfer between cards, and reason my refunds, from XX/XX/XXXX, For {$26.00}, and {$7.00} on XX/XX/XXXX, that us bank has no knowledge of, from XXXX. 
I've talked to around 40 costumer service people, at us bank, all telling me the lie. 
Also person in fraud department, told me funds put on old cards, have undetermined time were funds might be available. 
As us bank costumer service tells you to call merchant, to dispute.After talking to fraud department, was transferred by fraud supervisor to regular costumer service, who I told about what I just learned. 
She was sick to her stomach knowing she had been directed by Us bank to respond to the old card question, and she admitted that many union bank transitioners keep calling wondering were funds are.I have cought this bank in over XXXX lies in my short time with them.so much more to say. So Us bank bald face lieing to costumers to entrap funds for undetermined time.All other union bank transitioners should and need know truth, so to get store credit, instead of funds going into limbo.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 2023-05-06
Company: EQUIFAX, INC.
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: 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-04-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I filed a legitimate dispute for two transactions for {$660.00} and {$640.00}. The Merchant after 2 months resolved the dispute and credited my credit card account the unauthorized charges. The dispute was resolved. And over with.

Citibank employees in their Security Department open up fraud claim for {$900.00}. They did this without my consent and without my knowledge. When I became aware of this and advised them to stop! Citibank sent the Police to my home based on false accusations that my credit card account is in collections and I made a threat! All blatant lies!

Citibank shutdown my credit card in numerous occasions without sending me a letter stating the reason why they closed down the credit card! Citibank employees impersonating me sent documents to all 3 credit bureaus stating falsely, my credit cards were obtained through identity theft and fraud! Another egregious lie told by Citibank. Citibank closed my account without any justification and falsified my accounts notes!

Citibank opened a fraud claim for transactions I never had any issue with! I never requested for Citibank to open a fraud claim but they did and then closed my account! All of Citibanks egregious actions towards me and harassment was intentionally done because I am a XXXX American woman and I have no rights in America. 

Citibank needs to be held accountable for their unlawful actions and harassment towards me! I am an able bodied Adult who can make my own decisions about my credit card. Citibank has caused me great financial hardship! By snatching and closing my account I am unable to pay for items that my home needs to function. They took away my credit card for no reason except they wanted to hurt me financially because of my Race! My account was in good standing and I paid my monthly bill on time and was never late! Citibank took {$4000.00} away from me and my family and it was all done because I am a XXXX woman. Citibank Reported derogatory information to the credit bureaus all to ruin my good credit status! They lied and stated my account has late payments! Thats a lie I never paid late on my credit card. Citibank harassment and abuse is ongoing and I want back my credit card and for Citibank to leave me alone!

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 2023-07-17
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit of a check on Friday XX/XX/XXXX and it is now Monday XX/XX/XXXX and I still do not have access to my money. I have called 3 times and have gotten 3 different answers. First they said the XXXX, then the XXXX, now the XXXX! This is not my 1st deposit from this company and my check is less than {$500.00} so I don't know why it is being held up. They have just ruined my son 's XXXX. It is the only money I had until 2 weeks from now. He has no food. No diapers. Thank you CITIBANK. Nothing can rectify this situation. I am extremely disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
call came from Linebarger Goggan Blair & Sampson, lady asked for me by name, wanted me to giver her my address to verify, I refused unless she told me what it was regarding, she said she couldn't tell me unless I verified my address, I told them not to call me again. my caller ID shows they have call everyday the last month. I have a mortgage and no other debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: FL
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. 

Account name : XXXX XXXX Account, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened up a walmart credit card in XX/XX/2022, I never received a physical card in the mail as promised. I called capitol one 3 times requesting a physical card but yet never recieved any of them. I was able to make a few purchases online only because a digital version of my card was available on the Walmart website however I am only allowed to view the last 4 digits of the card number the other digits a represented by * symbol. I tried numerous times to open an app specifically for this account to manage and hopefully order a card however I receive a message that capitol one is having technical issues for months now and I can not access my account online. I called Capitol One 16 times and spent numerous hours on the phone answering all of the security questions however I'm not allowed to proceed bc I never knew my full 16digit card number only the last 4 digits. Capitol one states they can not view the full 16 digit card number either so they can not help me. I called Walmart to get help only to be told that capitol one handles all of the card issues. I suspect fraud from this company so I want to close my card but I don't want to damage my credit score bc of a faulty company. All that I am asking for is an actual credit card so that I can continue to make purchases and make my on time payments as promised on my end of the agreement. This is extremely frustrating please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: TX
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:
Equifax sent a letter stating they verified the public record they have on my file through XXXX. I sent Equifax a letter three weeks ago, sent to me by XXXX stating the public record is not on my file with XXXX. I continue to ask Equifax to send me the info of where they are getting this public record from. Even after I sent the letter from XXXX stating there is no public record of a file ( XXXX ), they still refuse to delete it from my credit file. It's a violation of my rights to fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am requesting that the following fraudulent inquiries are removed from my credit report. I did not authorize any of the following companies to access 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 XXXXXXXXThese are fraudulent inquiries, and request these are removed immediately. 

Transunion : 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 I have reached out to the companies, and bureaus by mail and phone to report these fraudulent inquiries. I have been exposed to several data breaches and also lost a personal wallet within the past year and that's why I do have the fraud alert on my profile. There has not been any investigation or signature presented to validate the authorization of these inquiries.

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 2021-07-18
Company: FinCo Services Inc DBA Current
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was locked out of my account. I could only withdraw with my debit card. Contacted current bank. They cancelled my cards and reissued new ones to someone else. I thought my unemployment had ended only to find out it hadn't. They started emailing a fake email letting someone else know that my deposits went in this started in XXXX. On the XXXX I got in touch with them and had to send in the many unauthorized transaction numbers and they never responded after. This cost me thousands of dollars during the pandemic. I couldn't get my taxes or stimulus money because I was a victim of identity theft through this virtual wallet. It takes months to get a response from current and unemployment. Needless to say these people assisted some strangers in stealing my identity and still I haven't gotten a dime of my money back or a response to this day. I haven't gotten my identity under control either because of it.i can't get current bank to return my calls. The people who stole my identity have ruined my credit. I can't even open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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