BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: CITIBANK, N.A.
State: LA
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:
This credit card was opened on XX/XX/2023 with a balance transfer option. I received the cards and activated them. On XX/XX/2023 when logging into my account online, I noticed it was flagged for fraud with a toll free number to call. When calling that number, I was able to verify my credit card number and the security question answer. When speaking to the agent, I was told I needed to be sent a verification code. Instead of sending the code to the phone number that is already registered to the account, I was asked to provide a phone number to send it to. I provided the same phone number that is registered to the account. I did not receive a verification code. When I asked if the agent sent it to the correct number, she confirmed that she did. I told her that I had not received the verification code and she asked if she could send to another number. I explained to her that I only hade one phone number registered to the account, and I thought it strange that she'd be able to send a verification code to any other number. She asked for the number anyway. I gave her my work cell phone number. After she stated she sent the verification code, I still had not received any. I was asked if I had a home phone number. I told her I did not have a home phone number. I requested she send the verification code to the email address on file since the phone verification was not working. She stated that she could not send an email verification. I was informed that the next step would be to send a letter with a confirmation code to the mailing address on file. 

I find it frustrating that their fraud verification system does everything except to verify who I am when necessary. I am being denied access to my account due to a faulty security system on their end. I have already checked with my cell phone provider. I do not have a block on two factor authentication. After ending the call, I was able to log into my Citi account online. When I clicked on My Profile, it prompted me to receive a verification code. I clicked to proceed, and that verification code came through without any issue. However, since my account is still locked due to potential fraud, that was the furthest I could go.

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 2023-09-24
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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and frustration regarding a dispute I have raised with XXXX concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my XXXX 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  I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted XXXX to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, XXXX has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that XXXX promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

Sincerely, 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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-23
Company: Click n' Close, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
After filling original complaint ( XXXX ) about Click & Close overcharging me for my house mortgage payments just find out they dont have a valid license to do any business in XXXX XXXX where my house is located. So they are charging me illegally money. I filed this new complaint because cant edit original complaint. 

See below : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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. 

XXXX XXXX XXXX XXXX, XXXX 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 an 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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: CO
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  Account Name 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 2020-06-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2017, I purchased a house with my ex fianc who is XXXX/XXXX XXXX. A quitclaim deed was included in the closing documents package. I signed all the closing documents as lender and ex fianc directed to me. After the closing I found out I lost the house at the time I purchased the house. Now Im responsible for the mortgage of the house I never owned. Currently the ex fianc and his wife are living in the house. They are not making the mortgage payment. Lender filed law suit against me for the mortgage {$250000.00}. 
I reached out to the lender asking for the explanation why the quitclaim deed was part of mortgage documents. They said they were not aware of it and Im still responsible for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXXXXXX XXXX XXXXXXXX. I am a victim of identity theft. These accounts are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: NC
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: NRA Group, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company is attempting to collect debt that was a fraudulent charge on an account due to identity theft. Company has not made attempts to allow me to provide information to dispute this fraudulent charge.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and 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 2023-11-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CitiBank Closed my account claiming it was per my request. I started with a secured card with Citibank in 2017. Paid the account successfully and was transferred to a credit card. I kept the account current to date. CitiBank closed my account saying that I requested the closure. When I asked for proof the company stated I didn't meet the criteria for their products when initially I signed up for services the company rendered. There was no email or mail communication stating that things had changed within the company criteria and I feel that I was discrimated against for my financial demographics although I kept this account current and up to date. I know several counterparts with Citi cards products and services and the company did not offer me anything prior to closing my account causing my credit score to be lowered.

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 2023-04-21
Company: EQUIFAX, INC.
State: CA
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 have disputed several times with the 3 major credit bureaus. XXXX, Equifax, and XXXX. 

I disputed XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, as well as XXXX XXXX. I have informed them several times that these accounts were not mines. I even sent in a police report as well. They did not respond. I also reached out to the creditors as well and I was informed that they found the accounts to be fraudulent. The credit bureaus have still refused to delete these items. I need these items deleted as soon as possible. 

Also I have contacted them with the over and abundance amount of inquiries on my reports that I did not authorize or even do myself. I need them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: NAVY FEDERAL CREDIT UNION
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 am FURIOUS that I have received a communication that Navy Federal Credit Union intend to pay XXXX XXXX {$190.00} for something which I do not owe. I had already asked them not to let the charge go through and they informed me that I should let the charge go forward and then dispute the charge. Navy Federal took no action but did provide me with a limited window of time to submit evidence - AND THEN THE CLOSED THE WINDOW BEFORE THE DEADLINE PASSED, THEREBY PREJUDICING ME WHEN THEY DETERMINED THAT I WAS AT FAULT. I request a refund of the amount that I was charged due to Navy Federal Credit Union 's misleading me and encouraging me to let time pass by to my detriment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There are inquiries on my credit report that i do not recognize or didnt give any authorizations to inquire or check my 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 2023-07-29
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received an IKEA Projekt credit card from Comenity Bank  in XX/XX/XXXX. I ended up on 3 different promotional plans. One to expire XX/XX/XXXX. I made regular monthly payments of {$500.00} beginning in XXXX. In XXXX, I noticed a {$680.00} balance from the original amount of {$880.00} due on this " promotional plan. '' I called on XX/XX/XXXX to ask for the XXXX payment of {$500.00} to be allocated toward the remaining total. The representative stated the most she could allocate was {$190.00}. This was subtracted from my account on XX/XX/XXXX, and then added again on XX/XX/XXXX. My XXXX stated that my new balance was {$380.00}. See cut and paste from the bill below : PURCHASES & CHARGES XXXX PAYMENTS & CREDITS XXXX A {$190.00} CHARGE was ADDED to the XX/XX/XXXX promotional plan even though that was not reflected of new purchases. I called in XXXX. I made a {$500.00} payment, and an additional {$150.00} payment, per the advice I received. I called on XX/XX/XXXX. The remaining balance was the {$190.00} that I should not have had to pay at all, due to the fault in their allocation system. But because I wanted to avoid an interest payment or credit penalty in just a few weeks, I paid an additional {$390.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. All of these payments SHOULD have resulted in the XX/XX/XXXX payment being paid off as of XXXX, but instead I ended up with a {$2.00} interest charge for XXXX and XXXX, and that amount was outstanding on my bill. During a XX/XX/XXXX call, when I wanted to receive absolute assurance the account was paid off ( which I received ), I asked for an investigation. XXXX, the supervisor gave me a case number : XXXX XXXX XXXX. I made another regular {$500.00} payment on XX/XX/XXXX. I still had the {$2.00} fee on my XXXX bill. I called on XX/XX/XXXX, and received a {$4.00} credit for the interest charge and I was informed the {$2.00} charge was removed. I was also assured my credit was not affected. I was also told she would launch an investigation- but I was told that XXXX misinformed me, and no such investigation was launched XX/XX/XXXX as promised. *** The minimum payment due changed on each statement. But it ranged between {$230.00} to {$290.00}. I was always paying {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried to sell my furniture through an online app and was given a check to deposit into my citibank account. When I printed the amount it had an amount more than the total and I was asked to pay a portion of the amount to the mover who will come to pick up the furniture. 
I did a mobile deposit of the check and then later on reached out to the citibank representative to see if this amount has cleared and whether it will bounce back. 
This is the response I got from the citibank representative : Me : Does that mean it ( check ) could bounce back? 
Citibank Rep : " No, I have checked again and we have added the amount successfully in your account and it will not get reversed '' On getting this clearance from the bank I went ahead and made a payment through XXXX ( From the citi bank app itself ) to the said mover.

After a few days the check bounced and I lost my money as I had already paid the said movers by then. 

I reached out to Citibank seeking for help and told there's a fraudulent activity. I explained to them the whole thing and that I received a confirmation from citi bank before I considered making payment through XXXX ( From citi bank app ). 

The bank then told me they will not be able to help me for the check and when I asked why the representative confirmed it would Not bounce - they said check could bounce subject to balance available in the other party 's account. I asked them why they didn't tell me this important point when I reached out in the first place and they had no answer. I told them please dispute my case and they said they will try to dispute the XXXX payment and I raised a case and now they told me they can not help me with this or get my money back for me. The bank is taking no responsibility for a fictitious check or for the fact they misinformed me about its clearance nor the XXXX app used ( through citi bank ). 

Kindly help me get a resolution for this issue as it has been over a month, 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 explanation