BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
During a recent transfer of my mortgage from CitiMortgage to XXXX XXXX I received a notice in the mail approximately 60 days prior that stated business would continue as usual and at that time would need to make appropriate measures to insure my mortgage was paid with XXXX XXXX. I established an automatic draft with my credit union to begin on XX/XX/XXXX ( the date the transfer became official ) to be paid to XXXX XXXX. Prior to the allotment to XXXX XXXX, CitiMortgage arranged with a subordinate company to draft biweekly payments from my bank account and continued into XX/XX/XXXX. I called the CitiMortgage biweekly plan manager. The staff member ( XXXX Employee # XXXX ) was not able to assist my request and stated I needed to send a written request to stop the payment. Thus, I asked to speak to a manager. She immediately came back and stated " the account managers were in meeting for the next hour ''. I asked if they could call me back to which XXXX stated " no, they don't have the ability to call back. I stated that I could end up in a perpetual state of call back if I didn't time my call just right. It didn't matter. My ONLY option was to call back. This inaction to stop " hijacking '' of my money should be illegal. It could place a financial burden on homeowners. The option to cancel a payment just as it is started or even the action to sell my mortgage to someone else should all face the same rules. I didn't ask to have my mortgage sold and they should have requested a written approval from me if they are going to continue to ROB my account until I submit a written request to stop it. This entire process of transferring my mortgage has been a fiasco. XXXX XXXX sent the message of action XX/XX/XXXX) after the action was already enabled thus they were behind the power curve to allow me ample time to resolve the issue without additional funds being drained from my account. With the biweekly call I requested to stay on hold until the account manager was available ; after ~15 minutes I was disconnected.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not want these accounts in my report because they are not mine, they cause me problems and I want them to be eliminated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The apple credit card processed my payment twice resulting in decreased bank checking account balance. This happened twice in the last 12 months. This is a problem as it reduces my checking account balance making it difficult for me to meet other financial obligations and possibly resulting in unnecessary fees and penalties. I have reported it to the apple card support but nothing seems to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
I have sent XXXX, XXXX, & Equifax multiple complaints about fraudulent transactions made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Violations of privacy, & I havent got a remedy from neither companies. Latest news publications headlines that these companies have settled in lawsuits admitting to non investigations of the consumer complaints. Also XXXX has settled with them. I have been discriminated against by all companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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 Contacted The Company XXXX  XXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.

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 2019-10-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied " Blue Cash Preferred Card '' by the promotional link online on XX/XX/2019. There was no message or any warning saying that I'm not qualified this promotion when I finished the application. However, I couldn't received a sign up bonus ( {$300.00} Credit ) even  though I spent more than {$2000.00} within 3 months. 
When I contacted the customer center by online chat a few days ago, the person said the company declined the promotion for me because of misused a card or closed an account within 12 months. I haven't closed any account within 12 months after opening and the person haven't provide the exact reason for declining the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: KY
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 notified equifax of three unknown accounts on my report about 2 months ago. The sent an email response that said the investigation was complete about a week later and asked me to go to their website to check it out. I can not get into their site anymore. It asks security questions I have no idea what the answers could be, about addresses and car loan and such. As far as I can tell by using XXXX XXXX, they ignored my problem because the three erroneous accounts are still showing and then they locked me out of their website. These accounts appear to be for medical bills in a state where I have never lived for things I have no problem with ... XXXX  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/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 2020-03-10
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:
Transunion is reporting incorrectly an account where I am shown as an Authorized User on XXXX  - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these accounts. XXXX  and XXXX  are reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to fix this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-06-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently ordered a new card ending in XXXX. However, XXXX was able to charge my old card ending in XXXX and the funds were taken out my account. I have not added my new card to XXXX yet and XXXX transactions shows that the XXXX card was charged. No issue there because I know where the charges came from but my main concern is what if the reason I ordered a new card was because of unauthorized transactions. Does this mean that those people can still use my previous card number to access my funds? I went through their chat and tried speaking with an agent but there was no luck there. This seriously has me wanting to close my account because that is so unsafe and makes me feel like the security is jeopardized. There should not be a way for my previous card to still be linked to my account. This is a serious security issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions 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 just recently examined my credit report and I realized there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2022-12-23
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX CCS Collections, reported a collections of {$350.00} on behalf of XXXX XXXX XXXX XXXX. I have never been insured by XXXX XXXX so I called same day to XXXX XXXX and they looked me up and they could not find any policy or past due bills using my name, social, phone number or address. They gave me the number to their collection agency and same thing, i gave them name, number, social security and they could not find anything. They asked for a collections number and I could not provide one because I never received any letter in the mail. 

Called back multiple times in the past two week and no one could help me, not even supervisors. Neither company would help. I filled a dispute with the credit bureau XXXX and they concluded their investigation by saying the confirmed the debt was mine. 
I called and they gave me an account number ( XXXX ). 

Finally called back to CCS Collections. Gave them my information and they matched my name and date of birth to the collections. The address was a XXXX XXXX XXXX Wyoming. I am a California resident i have never lived in another state. They asked if i have ever owned a XXXX XXXXXXXX which i have not. I asked them to confirm if the last 4 of my social matches the one they have on file and they said the last 4 of my social does not match because they have no social on file ( i think it's pretty XXXX and a poor job on their end to just pin this on someone with the same name and birthday without doing their due diligences just because we have the same name doesn't mean we are the same person. So many XXXX with my name ) So i asked if they could stop reporting this on my credit which they said no. They gave me this website and told me to file a complaint here. I would have to show proof of address like a drivers license or utility bills. ( i don't have utility bill but i have a drivers license ) Still upset so they gave me a policy number ( XXXX ) and i called XXXX XXXX and once again said there was nothing they could do for me and gave me the number to their Legal Department XXXX which of course was no help. Its just a voice recording saying they will call you back in XXXX HRS which of course they have not returned any calls after calling multiple times and different days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: U.S. BANCORP
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My lender was asking US Bank to subordinate a HELOC that had moved from 2nd position to first position when I paid off the first loan several weeks ago. A new first loan will be taken out and US Bank was asked to subordinate their loan as they had done previously with the other mortgage I paid off. They asked for a {$250.00} fee to do the subordination. They cashed the check and then declined to subordinate. The fee was never earned as it was not an application fee of any type, it was a fee to actually subordinate their HELOC which they refused to do. I paid off their HELOC and have requested a return of the {$250.00} fee from several departments within the bank. They never get back with me. The reference # is 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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

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 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 2023-07-20
Company: Experian Information Solutions Inc.
State: AR
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:
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
HELLO, | CHECKED MY REPORT AND | SEEN UN authorized CREDIT CHECK inquiries THAT | HAVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. IM TRYING TO ESTABLISH relationships WITH BANKS BUT continue TO BE DECLINED BECAUSE OF THESE ITEMS ON MY REPORT. I HAVE ATTACHED THE FRAUDULENT ITEMS TO MY LETTER AND NOTIFIED THE FTC.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

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 letters 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 non-monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: CT
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN FORCLOSED ON THE PROPERTY WHILE I WAS IN THE MIDDLE OF A LOAN MODIFICATION WITH A HUD COUNSELER FOR THE STATE OF MARYLAND THERE WAS NO MITIGATION OR MEDIATION OFFERED AS REQUIRED BY MARYLAND STATE LAW. XXXX AND XXXX WAS THE TRUSTEE A COMPANY THAT HAS ALSO BEEN SUED FOR THIS PRACTICE AS WELL IAM STILL IN THE HOME THERE HAS BEEN NO LETTERS OF EVICTION OR ANY NOTICE TO LEAVE

Company response to consumer: Closed with explanation