BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I made an online purchase on XX/XX/21 for {$63.00} through XXXX using my Citi card. I received an email confirmation of my XXXX transaction that included the correct shipping address for the item. However, I did not receive an email confirmation from the online store. On XX/XX/21 and XX/XX/21, I sent inquiries to the email address on the XXXX confirmation regarding the status of my order. I received no response. 

I initiated a XXXX dispute on XX/XX/21 ( XXXX ). They closed the dispute on XX/XX/21, stating that they contacted the seller and received delivery confirmation. However, they would not release any additional information, including the tracking number provided by the seller. 

I initiated a Citi dispute on XX/XX/21 ( XXXX ) and provided a record of my receipt and failed attempts to reach the seller. On XX/XX/21, I received notice from Citi that the seller provided delivery confirmation and Citi would close the dispute. This time they provided the tracking number ( XXXX ). 

I contacted XXXX via live chat on XX/XX/21. The representative confirmed the item was delivered on XX/XX/21. She also confirmed that the mailing address I provided, the same one on my XXXX receipt, was not the address to which the package was addressed. Unfortunately, for privacy, she could not release the actual address. 

I provided this information to Citi via phone, email, and live chat. I then received notices on XX/XX/21 and XX/XX/21 from Citi stating, " We previously requested necessary information from you concerning this dispute. We did not receive a complete response to our request. '' After each notice, I contacted Citi via phone, email, and chat, inquiring about what information they needed. I received reassurance through each channel that the Dispute Department would contact me. Finally, on XX/XX/21, I saw that Citi again closed the dispute because I did not provide them the information they requested. 

At this time, I am out of options. I can not contact the merchant directly. I provided Citi with confirmation from the shipping company that the item was addressed incorrectly. In the end, I never received what I purchased, and I truly hope you can help me find a resolution.

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 2023-11-01
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
In the past few days, my wife and I both received letters stating that XXXX denied our equity line of credit loan application ( to pay off an existing XXXX at another bank ). 

I immediately asked XXXX to correct their records to reflect the truth regarding the status of our loan application. 

As a result of the bank 's poor communications with me after I first inquired about an equity line of credit, I lost faith in working with the organization as a lender, so I emailed their employees on XX/XX/2023 and directed them to cancel the loan application. 

After that, both my wife and I continued to receive multiple emails, at first requesting additional documents, and then requesting our signatures because the loan had been approved. 

On or about XX/XX/2023 I complained in writing to the bank, asking them to stop sending us unwanted messages. 

Then we received the correspondence that we were denied the loan. 

That denial letters appear to be XXXX 's attempt to get back at us for notifying them that we were unhappy with the service we received from their employees. 

We expect those letters of denial to reflect negatively on our excellent credit scores, so we intend to take all reasonable steps to ensure that they correct this error.

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 2023-06-30
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was divorced on XX/XX/2007 and in my divorce decree it stated that the mortgage, HELOC, and all assets and liabilities from the home and property were the responsibility of the wife. I have been harassed by BECU and have had my paycheck garnished several times to pay something that was ORDERED by a JUDGE to be the responsibility of my ex-wife. I am a Federal employee and they sent garnishment paperwork to the Office of Personnel Management to tarnish my career. I ended up getting the garnishment cancelled and they now pull funds directly from my bank and I can't stop it. I KNOW this XXXX XXXX XXXX HELOC on a FORECLOSED and resold home has been paid off by insurance by now. I should not have to pay BECU for something that is not my responsibility. I have my own mortgage ( that went up {$800.00} a month ago ), two car payments, insurance, $ XXXX in credit card debt, XXXX children ( two getting braces ), and a host of bills!! I need this to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and FTC report to this complaint for your review.

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 2023-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, I received an email from Citizen 's bank stating that they were offering {$10000.00} to qualified first time homebuyers with a minimum score of XXXX. At the time my score was a XXXX. I called Citizens and they took my preapproval application over the phone. They sent emails requesting verification information and shortly thereafter I received an approved preapproval ltr stating I could shop for a home. I found a home, signed a purchase agreement in XXXX. I notified my loan XXXX that I found home and signed agreement. XXXX XXXX told me to hire an inspector. I had inspection done and XXXX then informed me I had to pay for an XXXX and sent instructions on who to pay a {$650.00} fee. I then started receiving all these requests for additional information and proof of paid debts for the underwriter. The lender ran my XXXX XXXX XXXX significantly reducing my XXXX XXXX. I provided proof of downpayment funds, paid off debts as required by lender, and provided documentation over and over for the same debts. XXXX never mentioned downpayment assistance throughout this process and at the last minute they are sending conflicting disclosures and requesting the same information they requested previously as a condition of the loan commitment. As a result of the way this process was handled, I exhausted my savings paying off debts that were not delinquent and lender was still asking for an exorbitant amount of money to close. I tried on multiple occasions to reach XXXX as well as my realtor only to have my calls ignored. My realtor also tried contacting the bank to speak with XXXX 's supervisor and no one ever got back to me about his lack of communication. At this point, I am in danger of losing this home because the seller has run out of patience and I still need to transfer this transaction to another lending institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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 XXXX Account # XXXX XXXXXXXX XXXXXXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 called XXXX  bank and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXX  bank I never took out a loan for {$5000.00} from XXXX Bank

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 2023-06-05
Company: EQUIFAX, 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:
Equifax has not only impacted my personal information through their data breach. I am a victim of Identity Theft and they are the only bureau that hasn't removed the fraudulent information from my credit profile! I have submitted all of the required information to them which will be attached with this complaint via USPS certified mail and it has been over a month and it is still " under investigation ''. Fraudulent accounts are to be blocked from reporting within 4 business days after the date of receipt according to 15 US Code 1681c-2. It has been more than 30 days which means I also have the right to have this account and the address attached to it removed immediately ( Section 611a ). Equifax is also in violation of FDCPA Section 807 by reporting misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was enrolled in paperless billing for my Citibank card. I regularly have to de-select paperless billing from the moment that I log in to my account. It seems like this happens every time I log into my account. I use my paper bills to help me track when things are due. I missed my XXXX payment inadvertently because I did not receive a paper statement. I never did enroll in paperless billing. This caused me to incur a {$35.00} late payment fee. I did not make the XXXX payment on time either because I did not receive a paper bill. This put me having a 30 day late payment on my credit report and incurring another {$35.00} late payment fee. I made a {$130.00} payment on XX/XX/XXXX. I could not find online where I was enrolled in paperless billing. I thought I must have accidentally thrown away the statements. I have now missed my XX/XX/XXXX payment. I made it today on XX/XX/XXXX and realized I had missed it because I received a phone call from a number that registered to Citibank. I now will incur another {$35.00} late fee. I did finally find on the website in my account where I was showed to be enrolled in paperless billing and I have now changed it back to paper by mail. I feel that I never made the selection to change to paperless and have now incurred three {$35.00} late payment fees and a hit to my credit report.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.

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 2021-07-29
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am being harrassed by a company named Affirm, who informed me I owe them {$12.00} for a loan I took out with them. I informed them I never took a loan out and I do not owe them any money. Some how the company has all my contact and personal information and sent me an email and text informing that they were going to report me to collection and XXXX. I informed them that I didn't seek a loan from them multiple times and that I wan them to remove my information from their records and to stop contacting me. 

I am not sure if the company is real. I took a look at the affirm site and they have complaints from others noting the same type of incident ; being contacted for loan payments for loans they never applied for or received. I've attached the email I've received but I don't believe I need to deal with these people. I didn't take a loan out and don't believe it's fair for someone to bother me dishonestly to swindle money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: MN
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:
The XXXX XXXX XXXX agency was not given authorization or permission to release this information to my credit report. Also, it violates consumer law and is grounds for a lawsuit, in violation with Federal consumer laws and also the most recent supreme case laws. Only credit transactions and loans are reported to the credit report, with the permission of the consumer. I HAVE NOT given permission or signed any contract. I have NOT received any contract of my consent or validation or proof of debt with my permission. Other credit report agencies have removed this item in compliance with the federal laws. Not removing this item is grounds for lawsuit, in that, injuries have been accrued on my end. XXXXXXXX XXXX XXXX, as also solicited my social security number from the other participant, with the intent of collecting money not only for him, but also for themselves, which is Aggravated Identity Theft. Department of Child Support services, receives 66 % of every dollar they collect, and to ask for my SSN without my permission, also violates the federal laws and is fraud and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2023 I submitted a complaint with the CFPB about an error code Please give us a call and give this code to the XXXX XXXX XXXXXXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

Equifax Responded with Dear XXXX XXXX, We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved. Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team. 

I don ' have a problem with logging in to my Equifax account, that is not the problem.The problem is that i am getting that error message above after I login into my account as if my report is blank or Equifax has had a data breach.I am asking Equifax to do a full investigation on the error code and fix my report so that it would not cause me any further credit damage.This is my second complaint about this error code. 

I need Equifax to fix this error : Please give us a call and give this code to the XXXXXXXX XXXX XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

This is my second attempt to fix this ongoing problem.I hope Equifax understand what I need corrected this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to express my frustration and disappointment regarding the ongoing issue with my credit report. I have made numerous attempts to correct an inaccurately reported late open account on my credit file without any resolution. The persistence of this issue is adversely affecting my financial well-being and credibility.

I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is in no way accurate or reflective of my financial history. The account in question has caused my credit score to decrease, impacting my ability to secure loans, obtain favorable interest rates, and ultimately, hindering my financial goals.

I have attached the following supporting documentation for your review : Copies of correspondence and dispute letters previously submitted to your bureau.

Proof of the error on my credit report, including any relevant documentation or statements that refute the late open account.

Any evidence of my timely payments or other financial history that should accurately represent my creditworthiness.

Despite my consistent efforts to resolve this matter, the late open account remains on my credit report, causing me ongoing distress and financial setbacks. I am deeply concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services.

I kindly request an immediate and thorough investigation into this matter. I urge you to correct the inaccuracies on my credit report by removing the late open account and ensuring that my credit history is accurately portrayed.

Furthermore, please provide me with written confirmation of the resolution and any steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to take appropriate action within the stipulated time frame will compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to correct the late open account in my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$29000.00}.

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 2021-05-03
Company: EQUIFAX, INC.
State: FL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation