BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank Checking Account I deposited a check via mobile deposit XXXX XXXX ago. It was an unemployment check. I know that the banks are connected to the government so I call on Monday asking why Im not even seeing a date it will be complete and they tell me if its a government check, it will be complete on the next business day. On the next business day the deposit is not anywhere to be found and they state several times that their mobile deposit system is down. Supposedly an update that had been done broke everything. After 6 hours I tell them, well the deposit isnt showing still Im going to have to cash this check locally because I had been waiting for it for 9 days prior to depositing it for it to come in the mail. They tell me that there would be a fee if i did that but to call back in and reference this issue and they would credit my account. 

Instead they put my account into review stating the check was fraudulent, they refuse to contact the treasury it was disbursed from. They are in the process of closing the account due to fraudulent activity and that is in spite of a direct deposit coming into the acct today from unemployment again! Theyre holding my money XXXX for 60 days, I dont have to tell you Im depending on the lowest funds you can depend on and these jackals are doing this because of their issue, not mine.

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 2022-11-19
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Today i tried to make a global transfer to aNother citi bank account and was told for security reasons i could not. Although i was transferred to the fraud department and they did not see any fraudulent activity and escalated the call to supervisor XXXX XXXX to unblock the account after verifying my account by asking me all the security questions needed she could not tell me why and instead said its for security reasons and told me to try again another day. My money is being held hostage and as a consumer i have a right to access my account and withdraw as i please ESPECIALLY when the fraud department stated my account didnt have any fraud. AT THE VERY LEAST I SHOULD BE GIVEN A REASON WHY

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 2023-05-02
Company: Mr. Cooper Group Inc.
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: Was not notified of investigation status or results

Complaint:
Inquiry - XXXX Dear XXXX, I have received the letter that the Ombudsman 's Office should have received from Champion Mortgage. I am forwarding this letter to you and asking for your help because I feel that I am the victim of a serious tvery. The enclosed letter contains disinformation. I quote verbatim from the letter from Champion Mortgage : " Your reply will be sent no later than XXXX XX/XX/2023 ''. 
To date I have not received a reply from Champion Mortgage!!! 

It is totally incomprehensible to me what happened to the {$77000.00} reverse mortgage? 
Where is this amount that no one has ever used. The {$77000.00} reverse mortgage was transferred to Champion Mortgage. 

I only claim {$77000.00} + interest and damages as I am the daughter and heir of XXXX XXXX. 
My mother 's money was wrongfully taken by Champion Mortgage. 

Today I tried to report the new error to the Ombudsman 's office, but your system did not allow me to do so today. 
On my registered page, the Ombudsman 's office considered my case closed. Am I being ignored or am I persona non grata because I have Hungarian citizenship? 
I find it outrageous that neither my mother ( who became incapacitated due to illness and died in a XXXX home ) nor anyone else took out the reverse mortgage of {$77000.00}. Why was the {$77000.00} reverse mortgage loan transferred to and ( by whom ) Champion Mortgage? 
Please help me! 

Thank you. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$760.00}

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 2023-06-24
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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: CUSTOMERS BANCORP, INC
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from a bank I had never heard of. Customers Bank in PA. Then a couple days later a a bank state from same bank. All balances were XXXX. I called customers bank and closed the account. That same day i Received inquires about my XXXX account ( Mastercard ) about transactions that looked questionable. Two transactions were not mine. That particular Mastercard has been cancelled.

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 2023-01-09
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house in XX/XX/2022. I discovered an erroneous deferred balance added to my loan in excess of XXXX. I have tried for months to get my money back. The company has agreed they made a mistake but say they dont know how to fix it. Im so distraught and stressed over this unbelievable mistake and the lack of care and respect I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number 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 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 2022-11-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name 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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was just looking over my credit report and found some addresses that appear to be incorrect. I have already requested this information to be deleted and I've submitted documents showing my current address on XXXX/XXXX/23. I still see incorrect addresses listed ( which I would like removed please ) : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the recently submitted documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names : XXXX XXXX There should only be one name listed on my report, which is : XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX XXXX. XXXX XXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXX XXXX  ran an unauthorized hard inquiry against my consent. I contacted TransUnion to file a complaint online contesting the inquiry and attempted to contact XXXX online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXXXXXX XXXX  from another representative from XXXX XXXXXXXX XXXX soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX  directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: LA
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:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXXXXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number XXXX XXXX XXXX XXXXXXXX

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 2022-11-19
Company: EQUIFAX, INC.
State: VA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on 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 2023-11-15
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:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
UWM Mortgage did not lawfully obtain my consent in accordance with the GLBA to share my information with third parties including but not limited to any Consumer Reporting Agencies. UWM has reported private financial information about the consumer to third parties including but not limited to Consumer Reporting Agencies without lawful authority resulting in the breaching the herein mentioned contract.

Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) of the GLBA A company may not share any of my personally identifiable financial information aka non-public personal information unless you have provided me with a disclosure that provides an opportunity to Opt Out as well as directions as to how the consumer can exercise that non-disclosure option.

These actions are depriving me of my right to privacy, and my right to contract. In addition to credit extension deprivation, I have also suffered a substantial loss in wages. I was denied a Direct plus loan to pay for my daughter to attend college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Glennon Law Firm, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Case filed in Ohio by Atty XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, OH XXXX on XX/XX/XXXX for {$4500.00} plus costs the a certified letter sent to an address in Ohio. I'm not a resident of Ohio and never received any information of having been served. Default Judgement was made. I was informed by my employer regarding this matter XX/XX/XXXX. I was never properly served and never communicated as to this matter and could not have replied with Answer to the court in Ohio. Motion to show cause and contempt filed on garnish of wages against myself and my employer. Employer was sent documents to their old address ( 2yrs ). Motion to widthdraw was only granted to my employer. No resolution offered to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
the money tht student loan is stating I own is incorrect, the loan amount tht was return have not came out the loan amount. {$6800.00} in unsubsidized funds was cancel and {$4300.00} in subsidized funds was cancel over the life time of my loans. the total loan amount are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 have sent several complaints to Transunion about their online issue with my account, and they claim that they can do nothing about the problem. They don't offer me any solutions to be able to access my online Transunion Report. Per the Transunion Website, I should be able to receive a brand new report every XXXX hours on their site. Also, today I reported immediately a fraudulent hard inquiry by the name of XXXX. I do not have an account with this company, and have tried to reach XXXX to remove the inquiry, but they said they can do nothing about it. Transunion told me that I had to create another FTC report, but said they would do nothing about the problem, so I wish to open up a report here. Please Remove this hard inquiry : XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was Totaled on XX/XX/XXXX i had a XX/XX/XXXX XXXX XXXX  and it was under the bank Santander Consumer USA. My XXXX XXXX insurance payed off majority of the car which was about {$9700.00} with a remaining balance of {$5000.00} the rest was supposed to be covered from my gap plan. Since the beginning of my auto loan i had been paying {$540.00} each month which was outrageous but i was never able to come back from that price and bring it down in a refinance. In XX/XX/XXXX i was behind on payments and had to get my payments reduced for a 6 month period down to {$320.00}. At this point i was unaware that this would hurt my gap coverage balance if i ever got into a car accident. Being as that i ended up getting into a car accident my gap coverage is only paying {$1500.00} of the remaining balance because of the extension. I was not aware of this and santander has evidently gotten away with this before with other customers in a settlement in XX/XX/XXXX. Below i will attach all files ( settlement from insurance, gap program information ).

Company response to consumer: Closed with explanation