BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently opened an account with Citibank on XX/XX/2021. I attempted to transfer {$4000.00} from an external account on XX/XX/2021 but for some reason the transfer failed. Citibank keeps attempting to deduct {$4000.00} from my current balance. Everyday the balance is something different ; for example on Sunday XX/XX/2021 the {$4000.00} was missing from my account. On Monday XX/XX/XXXX it was there, and on Tuesday XX/XX/XXXX, it was missing again. The balance changes without me doing anything. I called a representative on Sunday XX/XX/XXXX and he blatantly lied to me stating that my money ( {$4000.00} ) would be at the external account by Tuesday XX/XX/XXXX ( this has not happened ). Moreover he tried to shift the problem at the other account when the issue clearly exists with Citibank as the balance changes every day. It is quite traumatic to notice {$4000.00} missing in your account and no one can seem to help from that institution.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion wont lift my security freeze. The verification question they have are fraudulent in nature. TransUnion wont send me a security pin. Ive tried numerous of times to get this issue settled. I have been waiting a month and 1/2 for my pin to be mailed with no response from the company

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 2022-05-26
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:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under 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

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 2023-08-23
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
You have no permissible purpose by law to contact third parties with my private or personal information. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. Please remove ASAP. 

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 2021-08-26
Company: Fay Servicing, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay servicing holds my current mortgage. The mortgage had fallen behind, and was included in a chapter XXXX bankruptcy. My attorney has filed a letter with Fay telling them they can communicate directly with me. It has since has been brought back to 100 % current status, with no pre petition or post petition arrearages, as I sent them over XXXX XXXX dollars, and I wish to keep it that way. I had online account access for the last 90 days where I was able to review my account at will, and make payments etc etc. 

Logging in today, I find my access has been revoked. I can no longer access any financial information regarding my mortgage or it's status. All I am offered when calling them today was to blindly trust them and send money over the phone with no way to verify any details whatsoever.

Historically, I do not trust Fay Servicing, but the mortgage is far enough along that refinancing it would actually hurt me more than help me. But it seems Fay is intent upon playing games once again with my account. When I asked for a manager, I was told " his manager was not in '' so I asked for their manager, and the manager of the manager..etc etc all to no avail, just blank refusal and stonewalling to help me in the least. I was told no manager would speak with me.

I find Fay 's procedures and policies in this regard to be both predatory and malicious, and XXXX only knows what they are really up to, what they feel they need to hide. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am having multiple issues with an USAA account that was over drafted by unauthorized usage on an account where I am an authorized user and not an authorized cosigner. The account was used without my knowledge or my fathers knowledge and is being reported as a defaulted collection. I have taken a police report and included it to company reporting data. I have asked for an investigation into the matter and an affidavit as well a complete listing of charges made on the account. No investigation or documentation was received. I have asked multiple times to have the matter reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got behind on my payments in the XX/XX/XXXX, I realized the reason I was having issues is due to scheduling of my payments. I contacted Ally, they stated that I could sign up for automatic withdrawal of my account for the rest of my account if I was current on ALL OF THE FEES AND PAYMENTS. So that's what I did, Paid all of the lates fee 's and the past due payment and set my self up on automatic withdrawal. 
I paid off the car in XXXXXX/XX/XXXX-Now I'm getting bills and negative reporting on my credit report from Ally. Ally is stating that I owe more late fee 's about 400.00 more and for some reason the account keeps rolling each month and I owe more fees. My last bill from them is now around 1,700.00-I 'm not getting any answers regarding this account.

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 2021-06-07
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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:
Ive requested Multiple times for transunion to dispute each inquiry and I get some generic response like I dont know what an inquiry is and asking me to call each company! Its not my Job. Thats what the credit union dispute department is there for! Thats what they get paid to do! I have the right to dispute each inquiry and these generic lazy responses show the people at transunion dont want to do their job and that violates the fair credit reporting act!

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 2023-05-08
Company: EQUIFAX, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XX/XX/XXXX LUXURY MOTOR XX/XX/XXXX XXXX CREDIT/LUXURY MOTO XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX TD RETAIL CARD SERVICE XX/XX/XXXX 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 explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00}

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 2023-10-24
Company: EQUIFAX, INC.
State: MN
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: NEW YORK COMMUNITY BANCORP INC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020, ( whatever the year XXXX started ), I got sick. Going through treatments and XXXX XXXX XXXX XXXX I realized XXXX wont be able to pay my bills. I contacted Flagstar Mortgage company and inquired about getting some assistance. They said something about not paying for 6 months. They kept calling saying Im behind this is the amount I have to pay. I depleted the remainder of my savings and paid it. I called them again saying I need help. They again said about not paying for 6 months. I told them no because they subsequently called and had me pay all that back money and I had no more savings. So could I get the monthly payment lowered to fit within my now monthly XXXX income. They said i couldnt because I was still within a forebearance and to ignore the calls from them because they are supposed to call since I do owe and to fill out an application under hardship. I did that. Maybe 3 times. Long story short. A letter from a lawyer was sent to the property ( my mother didnt get it to me timely ). Next thing I know my mom is like some man came here saying we got ta go. I call Flagstar mortgage company. They said its probably a scam because we would call you and let you know and put a notice on your door. I said okay and well I still havent heard from yall regarding the application I submitted ( now 2 time ), and they said submit it again and told me stuff I needed to submit.I did so that day. Every few days I would log in and see the message saying we are working on it. Then a man comes this past Saturday with a letter saying he will call the sheriff for an eviction. I called Flagstar on Tuesday and they said your house foreclosed and I said I just filled out another application and it said you will call if I

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 2022-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Account at Penfed Credit Union.Unauthorized transfers to external accounts that do not exist in my accounts, .5 transfers of {$2500.00}, Total $ XXXX XX/XX/2022 I noticed a transfer of {$2500.00} to " XXXX ''. I immediately called Penfed to inform them this was not done by me, and no such bank is linked to the external accounts that I have provided them with.I provided them with the name of one bank, including routing number, and account number, that I authorize and link to my account.After being informed this was not authorized and does not exist in my list of external accounts, they allowed 4 additional {$2500.00} external transfer 's to XXXX XXXX  Bank. Occurring XXXX XXXX, and 5.Total {$10000.00}. All this after being informed of unauthorized transaction in my checking account. In addition, a loan for {$19000.00} was applied for in my name, it was listed in my saving 's account, and it looks like it was actually approved.Since I have not been asked to pay, nor do I have any paper work on this loan I assume Penfed put a stop to the loan application.Since all this happened, after a month Penfed has only restored {$2500.00} to my account.My account is still short XXXX XXXX.This is entirely their fault, I feel it is totally unfair that after this much time, The missing fund 's have not been restored. Please Help.

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 2022-12-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/2022 with a 20 % down payment and began making payments. I was told several times I would be able to waive my escrow account once my taxes and insurance for the year were paid. Now they have denied my request and stated the reason why is because of the LTV. They are asking for a 70 % LTV in order for me to get the escrow waived. I have called countless times and the only reason they give me is that they soft pulled my credit and it didnt meet their requirements to waive it until I reached 70 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text from what appeared to be my back, stating that a hold was being placed on a XXXX payment of {$5000.00}. I replied back to the text that it was not me. I shortly received a phone call from a man named XXXX that identified himself as a Chase Bank agent. He even proceed to give me his " I.D . '' number. 
He asked if I had used my business debt card in XXXX, GA, and if I had made a transfer to " XXXX XXXXXXXX '' I replied I had NOT been out of state and the business debt card had been in my possession. 

XXXX went to day that a {$5000.00} dollar transfer was been made and on hold for fraud, by Chase, and was going to help me stop the transaction from continuing. In order for that to happen he stated that I had to use the XXXX  payment on the Chase Mobile app to send the same amount of money to the " XXXX XXXX  '' and to use my name and mobile number to ensure that the payment was going to be returned to my Chase account. 

I told him that I did not have a XXXX account, that I was not familiar with XXXX and have never used the payment system. He then told me he would walk me through the process of what I needed to do, step by step. I followed his directions and sent the payment to " XXXX XXXX  ''. He even wanted me to stay on the line to make sure that I received a " confirmation code '' and to make sure the payment was going to be returned to my Chase account.

I then realized that I may have been taken advantage of and call the number on the back of my card. I told the agent on the line to look into the transfer of the {$5000.00} from my business account to which she said that it was being sent to an account with my name at " XXXX XXXX XXXX'. I informed her that I do not have a XXXX XXXX  '' account and that I used the XXXX payment system, to which she transferred to me to the Fraud department, but they where closed for the evening. 
I was able to contact Fraud department the following morning, describe what had took place to the agent, to which she replied that there was no way Chase could file a fraud claim because and to contact XXXX. XXXX said to contact my back.

Company response to consumer: Closed with explanation