BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Home Depot told me my social came up under somebody elses name that I need to report 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 2019-12-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, my credit monitoring service alerted me to a change to my credit report saying one of my Citibank credit cards has been closed. Alarmed, I logged onto my account online and saw that my Citi Costco card was indeed closed. I initially thought someone hacked into my account since I did not close this account. However, upon calling Citicards, they confirmed that the bank closed my card due to 25 months of inactivity. The company should at least have the courtesy of giving me advanced notice of such a policy and should give me a chance to reactivate my card before pursuing such an action. I asked the CSR if he can reactivate my card, and he said he can try but it might be another inquiry to my credit report and basically will process as if a new application. I did not want another hit to my credit report so I did not pursue this option and left the card as closed. My Citi Costco card also serves as my Costco membership card so now because of this sudden closure of my account, I will have to go to Costco and get a standalone membership card. This is not just a bad customer experience, but also unfair treatment. When must I keep using the card in order to have one? If I was already approved for a credit card account, but my credit profile has not deteriorated ( FICO 800+ ) then the card company should really not be closing my account, which could negatively impact my credit report.

Unfortunately, this is not an isolated incident with Citi. My mom also had a different Citi credit card ( Citi DoubleCash ) closed without notice.

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 2020-02-12
Company: Mobiloans, LLC
State: MS
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 is an account with Mobiloans on my credit report that I have no knowledge of. Amount is over 2,000 . It does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX. the FTC say the regulation is 4days upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: HF Holdings
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ordered vertical blinds from XXXX for {$340.00} on XX/XX/XXXX  The blinds arrived with defects on XX/XX/. I asked for a Return Authorization so I could return the defective product. The refused. After several emails where I provided photographic proof of the defective product, they still would not answer my request for a return authorization. 

I disputed the charge with my credit card company, XXXX XXXX on XX/XX/XXXX  providing them with the email interaction and photos of the defective product. On XX/XX/, they ruled in my favor and reversed the charge of {$340.00}. 

In XXXX, XXXX, I started receiving harassing calls from a collections agency called, HF Holdings , Inc. and on XX/XX/XXXX  they got a collections report for {$340.00} on my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. There was no evidence of indebtedness only evidence of debt was agreement because of uniformed decision the debt becomes null and void. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.

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 2022-01-21
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Following up on my original complaint # XXXX, which Mr. Cooper failed to address and which the CFPB merely closed with no resolution .... 

Mr. Cooper continues to refuse to make any accommodation on our mortgage. We are currently in the short sale program, which Mr. Cooper insists must be run through XXXX. This appears to be a delay tactic rather than a solution. 

Mr. Cooper continues to ask for the same documents that we have sent them more then 6 times in the last year and is utterly refusing to consider numerous short sale offers that would resolve this debt. 

I am attaching an example of the correspondence between Mr. Cooper and myself ( the borrower ) showing their utter inability or unwillingness to process a short sale request. They have ignored ongoing inquiries and offers submitted by my realtor. 

They failed to address the deed in lieu I requested beginning in 2019 and due to Mr. Cooper 's delays, the USDA has rejected the deed in lieu solution for not being timely requested, despite the fact that I requested it in time. Mr. Cooper ignored my requests until the request was no longer timely. 

Now they are refusing to process short sale offers, by recycling the same questions and requests over and over again through a never-ending cycle of hiding behind underwriting as an excuse not to consider reasonable offers on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 and XX/XX/22 I reached out to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. I was never notified of these accounts prior to them being placed on my credit reports. The last I was told anything about these accounts were at the medical facility and they stated they were submitting the claims to my insurance and that I wouldn't have anything to worry about. So to later find that these accounts have been placed on my credit reports without ever receiving a notice, letter, or anything is very disturbing to me. 

As of today XX/XX/22, several months after my initial request I am still awaiting the information on how these accounts were verified and why they were placed on my credit reports without being informed of the accounts prior to placement. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. I truly don't agree with them being on my credit reports but I would definitely like to receive the information that was verified prior to them placing these accounts on my credit reports. 

I demand that these accounts be deleted immediately.

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 2021-09-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was stolen on XX/XX/XXXX or XXXX off 2021 and the person applied four or five charges that totaled about {$350.00}. I talked with Citibank fraud department and explain the situation as they were the ones that informed me that my credit card was probably stolen. They sent me a message on my app asking if my credit card was in my wallet. I opened my wallet and found it was not there thanks to them I was able to close the account. The problem is a few days later someone came to the shop and said they found my credit card in the parking lot. I explained this to Citibank fraud department and they assume that sense the person returned it that it was in my possession the whole time. I explained over and over that the card was stolen it shows getting gas at one place twice in one day. I even filed a police report to help Citibank fraud department believe me. They said they would get back with me and they never did 2 months went by so I finally called them back and I'm still having the same issue with Citibank. They just pretty much blew me off and want me to pay for the charges that I did not apply to my credit card I did everything in my control to get them to believe me but to no avail they believe that I am lying. I've never had such a problem with a credit card company and my credit is excellent I have no reason to lie about some charges as I paid all the other charges that were applied to the card except for those that I know that are not mine. I'm out of ideas this is why I have to call you to get some help with this issue. Thank you and I look forward to hearing back from 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 monetary relief
Consumer complaint received 2018-01-07
Company: CONTRACT CALLERS 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: Account information incorrect

Complaint:
XXXX XXXX falsely reported my residence at XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 

Contract Callers has placed a fraudulent {$330.00} charge on my credit report. This is not my account, these are not my charges. I live over 72 miles away from that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 I purchased a vehicle at XXXX XXXX in XXXX, Wisconsin and the dealer secured financing from ALLY Financial. I was never provided a title supposedly because Wisconsin requires the title to go to the lien holder. I am a Missouri resident which is a title holding state. To register and license a vehicle in Missouri you must have the title otherwise you can not do anything with the vehicle. I have tried numerous times to reach out to Ally by email and phone to get the title and explained to them that without it I can not even drive the vehicle purchased. They refuse to give me the title. I have sent them information on Missouri regulations for titling a vehicle from the DMV. My local DMV has tried contacting them also. They will not provide the title so I can not drive my new vehicle and am incurring late fees for titling the vehicle. There is no resolution in sight as they will not budge or even respond to my emails now.

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 2023-02-09
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 discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2020-02-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
EXPERIAN BUSINESS CRED Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit bureaus Contact Information XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY EXPERIAN BUSINESS CRED Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit bureaus Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY all inquires are ftc violations that need to be removed

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 2018-03-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear EQUIFAX : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I spoke to FNB Bank of PA on XX/XX/2020. I had problem with XXXX double billing me for my services. I explained to the bank my issue. The did nothing to help me. I was able to speak to XXXX  to have the funds returned to my account. In doing so i was charged traditional overdraft fees. FNB Bank of PA does not post in a timely manner. I which caused me to have an additional overdraft fee. 
I called them back on XX/XX/2020 to resolve this manner. Even based on the date that return was done. They still charged me an additional overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNITED REVENUE CORP XXXX and XXXX  charging me for ID theft law said i get a whole copy of my report not partial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: MS
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 submitted several letters to Experian showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX and XXXX  have deleted this account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
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 XXXX, EQUIFAX AND XXXX 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 XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act XXXX FDCPA XXXX is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW

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 2023-07-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2023-11-22
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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