BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: OH
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: Received unwanted marketing or advertising

Complaint:
I've Had Multiple occasions where credit karma has told me I would have a 90 % or better approval for credit card and applied just to have a hard pull and be denied once on XX/XX/XXXX for a XXXX  XXXX XXXX  and on XX/XX/XXXX for XXXX  XXXX card another for XXXX XXXX on XX/XX/XXXX another for XXXX XXXX XXXX on XX/XX/XXXX and another for XXXX XXXX XXXX on XXXX XXXX XXXX all credit karma pushed and assured me I would have a " excellent '' approval chance just to have a hard pull that I've had to recover and work to right in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for state and federal government programs designed to provide relief, however, I can not have not been able to access this because of Carringtons refusal to cooperate with the guidelines. Last year they would not accept the written release to communicate with Homeowner Assistance Fund they referred me to because of the governments forcing them to disclose this assistance is available, yet they will not provide the program with the information to provide relief. 
On XX/XX/2023, XXXX XXXX, the case manager from the Homeowners Assistance Fund requested information from Carrington and was told they would send the information by the end of that week. This is 3 weeks ago. Furthermore, the information has been requested on numerous occasions and has not been sent. Carrington instead wants to force upon me a modification as my only option that not only will significantly increase my monthly payment, imposing a much higher interest rate as well as restarting the 30 years. 
Can you please help me get Carrington to provide the Homeowner Assistance Fund with the information needed to get up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3200.00}

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  like to request the removal of multiple unlawful hard XXXX  inquiries from XXXX XXXX report. I've obtained a copy of XXXX XXXX report from your XXXX  and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX AUTO XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX SER XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/2023 XXXX XXXX, BEST XXXX XX/XX/2023 ALLY FINANCIAL XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023

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 2023-12-27
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: Account information incorrect

Complaint:
Experian has something on their website called " Credit Report Changes ''. I called them to find out what those changes were based on and why my credit score went down XXXX points from XXXX XXXX to XXXX XXXX. I spoke to one person who sent me to another and NEITHER could answer my question. How you let these credit bureaus use offshore customer service is a joke. They can answer your questions.

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 2023-04-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX, I found the promotions at the Citibank website. Earn {$700.00} when you open a new Citi Priority Account and complete the following requirements : With 20 days of opening the account, deposit {$50000.00} new-to-Citibank funds. 
Maintain a minimum balance of {$50000.00} for 60 days from 21 days after opening the account. 
I opened the account on XX/XX/XXXX, deposited {$50000.00} on XX/XX/XXXX and maintained the balance until XX/XX/XXXX. However, I did not get the bonus of {$700.00}. 

On XX/XX/XXXX, I contacted the online customer service staff, who confirmed my qualification for the bonus of {$700.00}. A dispute case with the number of XXXX was set up for the investigation because the value is over {$250.00}. 

On XX/XX/XXXX, the Citibank investigation team responded to me that they are not aware of any promotions offered in conjunction with the opening of my account and can do nothing unless I provide a copy of the promotional documentation. 

The promotions in XXXX were deleted from the Citibank website and replaced by the promotions in XXXX with similar terms. However, the XXXX Citibank promotions were recorded by other financial websites such as XXXX of XXXX, which is still reporting XXXX Citibank promotions. The report by XXXX XXXX on XX/XX/XXXX about XXXX Citibank promotions at the website of XXXX of XXXX received more than 5000 comments. Many comments were about the date of the deposit and bonus. In addition, the Citibank online customer service staff approved my qualification for the bonus of {$700.00}.

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 2023-12-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2023 i reported several fraud transactions after our bank account was hacked. there were XXXX e withdrawals, a large transfer and a cashiers check taken out at a local branch by someone who stole our account information and ultimately my identity. the transactions all took place within a matter of minutes. i immediately filed claimed with wells fargo for each of these fraudulent transactions. the e-withdrawals and transfer were resolved within a matter of days but the cashiers check case has been denied XXXX times. i have since filed a police report and provided ample proof that this was a case of fraud but the bank refuses to replace the missing funds. i am attaching the amount as well as the police case number. we bank with wells fargo. the amount taken was XXXX on XX/XX/2023 at approximately XXXX XXXX  at a branch in XXXX nc. the police case number is XXXX the detective assigned is XXXX XXXX and his contact is 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 2023-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested my former spouse be removed from XXXX accounts ( accounts ending in XXXX and XXXX ). I was provided the paperwork on XXXX XXXX to make the requested changes. They were provided to my former spouse 's lawyer, signed, and returned to me. I signed and provided the documents and uploaded them to USAA 's website on XXXX XX/XX/2023 at XXXX. It's been over 30 days and they have not removed her from the account. They claim they are backlogged. I requested a statement saying as much to provide to her lawyer. They will not provide an email or message stating they are backlogged. I have spoken to over 6 different agents on the phone. They give excuses and ask me to call back in a few days. It's been over 30 days for a simple name removal on a checking and savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX ) XX/XX/2019 Purchased new mattress from Mattress firm with a new account issued by Synchrony Bank. 
XXXX ) Purchase amount was for {$2600.00} and qualified for 0 % for six years. 
XXXX XXXX Synchrony Bank refused to honor the sales agreement financing. 
XXXX ) Consumer attempted on numerous occasions to have Synchrony bank update and correct the account details. The attempts were via telephone, emails and mail. 
XXXX ) Synchrony bank continuously made threats to report the consumer as delinquent to the credit bureaus despite been provided confirmation from Mattress firm that purchase qualify for 0 % for 6 years. This was a violation of fair credit reporting act and caused damages exceeding {$6500.00} in home refinance and car loan. 
XXXX ) The law firm of XXXX XXXX XXXXXXXX has repeatedly refused to provide all information pertinent to this account such as A ) all Statements, B ) correspondence c ) Telephone call recordings and needs to be investigated as an accomplice in the fair credit reporting and Deceptive marketing practices. 
XXXX ) Exhibit a-c clearly show that monthly charges and interest charges were invalid.

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 2019-09-10
Company: BANK OF THE WEST
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, my son asked me to co-sign for an RV.  I agreed to co-sign and completed an on-line application going to XX/XX/XXXX.  XX/XX/XXXX Finance Manager was going to review my online credit application and work to get my son and I approved.I submitted my online application to reflect that I am working as an XX/XX/XXXX making only $XXXX per month, $XXXX per year.  I was unsure how I would aid in financing as a co-signer with limited income, but did it anyway to support my son.I learned from my son that we were approved.  I was quite surprised, but thankful to support him.  On XX/XX/XXXX, I traveled to XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, FL.  I learned late in the day that the co-sign was not possible that I would be the sole borrower.  I went into total shock as I was told by my son that it was a co-sign.  The RV Finance Manager had never spoken to me, texted me, arranged a conference call or emailed me to inform of this change.  I only make $XXXX a year and could not understand how I was approved for a loan that is over $XXXX per month.  I was in a mental state of XXXX and shock and did not make logical sense.  The finance manager did not go over the paper work, but had me sign in my distress.  When I returned home to XXXX, GA, I received a copy of the contract to learn that my loan had been approved with false income.  The online application that I submitted was confirmed by the VP of XXXX XXXX XXXX, XXXX XXXX and proof of my submission sent to me via email.  I have it attached to the complaint.  XXXX stated he would work with the bank to reverse the loan and we would work to return the RV, obtain back the $XXXX downpayment and he was holding my son's trade in XXXX XXXX   van with the wholesaler he had sold it to.  After XXXX  worked with Bank of the West to attempt to undo the loan , they stated that they would not reverse.  I continued to work with XXXX  with no resolution.I am a victim of a form of identity fraud, lending fraud and now have a XXXX debt that should have never been approved by the bank.  I was intentionally blindsided by the XXXX XXXX XXXX  They never briefed me on anything and only worked with my son and his ex-wife.  The bank should have audited my online application and confirmed the income to be valid.  Someone changed my gross income of $XXXX per month to be $XXXX net income per month.  I am unsure who was responsible for this, but XXXX XXXX XXXX did confirm that they terminated the Finance Manager for the wrong doings in this sales transaction.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2017-03-28
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XX/XX/2017, this debt for { {$100.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please do n't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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 need these items removed from credit profile XXXX XXXX  .XXXX..XXXX  XXXX.. these companies have violated my privacy rights.. under 15 U.S.C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out 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
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I attended XXXX for two years in the late XX/XX/XXXX, incurring a student-loan debt of over {$13000.00}. I began paying the loan back almost immediately, through monthly payments to ( at that time ) XXXX XXXX. In the early XX/XX/XXXX, when my wife became XXXX and stayed home to raise our daughter, I deferred the loan. At that time I believe my remaining loan balance was around {$9000.00}. Upon resuming loan payments much later, I discovered that my new loan balance was now over {$12000.00} ( almost back to the original amount ). Still I kept paying ... Since XX/XX/XXXX I have been making payments through Navient, and have paid them around {$4200.00}, with a still-remaining balance of {$4100.00}. I 've requested a complete payment history of my loan since it was first incurred, but Navient can only provide me with data since they acquired my loan. I know for a fact that I 've paid back the original {$13000.00} amount through payments all these years, but ca n't confirm anything without a complete history, which no one can provide. I currently have no job and can no longer afford to pay, and much worse, I ca n't afford NOT to pay, lest my balance balloons right back to where I started. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The monthly {$350.00} alimony I receive from ex ( XXXX XXXX XXXX / XXXX XXXX NV for past 20 years ) normally is deposited beginning of month. I finally wrote to ask him where it was and he responded money sent XXXX. XXXX XXXX checking XXXX USAA XXXX XXXX Tx. Check number XXXX confirmation number XXXX. A similar incident happened in 2016 where money was being deposited in ex husbands USAA account and CFPB had to intervene on my behalf to move money to my account. Ex in 2016 threatened to sue me for harassment as I tried to resolve. Ex is still hostile and will not assist. USAA is non responsive to my messages. Already spent 47 minutes on phone with no resolution and lack of follow through. 

Former CFPB USAA complaint # : XXXX ( 2016 ) Former CFPB XXXX  XXXX XXXX  # : XXXX ( 2016 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX

Company response to consumer: Closed with explanation