BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This complaint relates to the completely unsatisfactory handling of complaint # XXXX by Citi Bank. Please refer to this this complaint and the documents I attached to it.
1. They sent me a letter requesting further info. However, due to the fact that I travel for work it may take up to three weeks for me to respond to anything sent to me by 'snail mail '.
2. Regarding the further info they requested : a. I DO NOT know the precise date of the incident. I believe that it was sometime between mid XX/XX/XXXXto the beginning of XX/XX/XXXX.
b. I DO NOT believe the person taking my application actually submitted it. He just said I was declined and did not even offer a reference number. This is probably why the company has no record of it. I did not even think of asking him for a reference number at the time.
c. I DID provide my social security number to the Citi Bank representative I spoke to regarding the complaint ( XXXX XXXX ). But as I said. I DO NOT believe the representative taking my application actually submitted it. Due to this, my social security number will be of little benefit in locating the application.
3. Everything in the original complaint still stands. This includes my proposed resolution. I thought that Citi Bank would be a little more responsive in settling this matter without me seeking legal counsel.
The best way to reach me due to the limited access I have to my ground mail is via email. XXXX If it is necessary to call me please leave a DETAILED message regarding the info requested. This will prevent us having to play phone tag. I can then leave a detailed response via voicemail if no one answers.
Thanks 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 2018-09-20
Company: Experian Information Solutions 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 recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of 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 2021-06-29
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my current home loan that I have with AmeriHome mortgage but I am refinancing with another company because AmeriHome mortgage turned me down for a refinance. I have called AmeriHome Mortgage requesting documents needed so I can send them to the mortgage company I am trying to refinance with but after many calls and them telling me that my request has been submitted and it will take 24 to 48 hours. It has been over a month since I requested the documents and I still havent received them. I gave them a fax number to send them I asked them to send it to my portal and also mail them to me but seems like they are refusing it send it. The documents I am requesting are the partial claim agreement papers they had me to sign when I went into forbearance during the pandemic. I told them this is needed in order to refinance my loan. They had their chance to refinance me but turned me down due to credit so I went to another company who said they would refinance my loan. I think its really unfair that they are doing this cause they have already increased my mortgage payment from {$1200.00} a month to {$1300.00} a month saying something about a shortage. I cant keep paying this so Im trying to take advantage of the low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 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 2021-06-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am having problems with Wells Fargo who I've paid off the Home Equity Line of Credit, and they will not provide documentation for my lien release. I call every day, and each person does not help and are all very rude.

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 2022-10-05
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
There has been a XXXX XXXX XXXX XXXX  that was from someone opening a XXXX Account I have never been to XXXX  nor do I use XXXX as a phone company This account was opened in 2011. I have been trying to get this off my credit for years. Yes there is now a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.

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 2020-05-23
Company: Acceptance Rentals, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am submitting this complaint on behalf of myself. I have a debt collection account on my credit that is not mines. I do not recognize the company being reported nor have I ever applied for assistance through this creditor. I have reason to believe that my personal credit may have been compromised. I ask that you all verify the validity of this debt in which youll see this does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-20
Company: BARCLAYS BANK DELAWARE
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 dad filed fraud report with Barclay Bank Master Credit Card. He added me as authorized user long time ago so at least I can manage his account but I never received the card ever since. I called the bank as my dad is XXXX and doesn't speak English well but the bank was giving me hard time and only wants to talk to my dad. Therefore he provided Power of Attorney. I went to police station with Power of Attorney to file police report for my dad but got rejected since I have no statement to show what accounts were fraud charges. The bank blocked online access so we can't go online any more and we don't receive paper statement. 
Make long story short, Barclay Bank did not investigate properly as I seen most of charges were occurred in out of Country. As matter of fact my dad can not drive or fly as he is XXXX  and their investigated time was not long enough to verify those unauthorized charges. If they were willing to investigate I am sure they would take this matter seriously and investigate detail by contacting merchants to collect cctv footage. The bank didn't do anything but leave those fraud charges on my dad 's account as he's too old to take this matter further.

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 2018-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, informed the credit bureaus that I had no knowledge of this debt and received an " accounts verified '' letter back. On XXXX, 2018 I asked for information on validity but never received the answer to my question. Portfolio Recovery sent me screenshots of what appeared to be a bill of the balance owed but didn't list any purchases or information verifying the account. On XX/XX/2018 I sent Portfolio Recovery a letter asking them to verify the accounts because they do not belong to me and sent them a form in which they failed to respond to. Instead, they continued to send the same documents that literally only have my name as personal information ignoring the fact that I am telling them there is a problem! I sent yet another letter out on XX/XX/2018 advising them they still have not validated these debts and it needed to be validated or removed from my account since the accounts did not belong to me. On XX/XX/2018 I sent another validation letter, and yet another one on XX/XX/XXXX and still nothing changed. On XX/XX/2018 I also reached back out to the credit bureaus again to advise them of the back and forth all because they are reporting inaccurate accounts on my profile, they responded with the same computer generated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I previously had a credit card with Navy Federal Credit Union. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with Navy Federal it was sold to a collection agency. Yet Navy Federal continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Yamaha Motor Finance Corporation USA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My installment loan transferred from XXXX XXXX to Yamaha Finance XX/XX/XXXX. During that time my payment was due. I tried several times to call Yamaha Finance to let time no that I was not able to make my payment ( due to an error on their end. ) I was unsuccessful getting someone on the phone, so I emailed them. I received a letter from them ( XX/XX/XXXX ) stating that the original letter they sent me had the wrong account number on it. I made a payment the following week, but they still reported me late to the credit bureaus. XXXX was also supposed to be my last payment however they are stating that I have a balance of XXXX give or take a few dollars. I have requested in writing and via phone a payment history of my account detailing how each payment was applied. 
1st request XX/XX/XXXX XXXX XXXX ( requested payment history and 3rd request to have any extra monies applied to principal. 
2nd request XX/XX/XXXX Yamaha Finance that I was not able to make a payment after several attempt to reach them via phone.

3rd XX/XX/XXXX Requested payment history 4th XX/XX/XXXX Requested payment history and to speak with management was promised a follow up call which I never received. 
5th XXXX XXXX Requested payment history was advised by floor supervisor that I was requesting the wrong document. I was advised by XXXX Operator XXXX that I should have been requesting a amortization schedule. I replied Why would I request a amortization schedule if I am trying to see how my payments have been applied not a schedule of how they would have been applied based on a certain date and amount. I requested to speak with management XXXX advised me that it take Business days for someone to call me back as of XX/XX/XXXX I have not received a call back. 

I have also emailed customer service regarding this issue. 

I have only received a document showing my payments but now how the payments was applied. 

Please see documents which shows

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2020 - Citibank NA, Best Buy checked my credit without my permission. I was a victim of Identity Theft. 
Also, on XX/XX/2020 - XXXX / XXXX attempted to give me a loan. I did not authorize this company to check my credit. I contacted them already as well to decline any application. I was a victim of Identity Theft.

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 2021-06-29
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: OneMain Finance Corporation
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:
My credit profile shows an account as a charge off. After checking all of my files and records i was unable to find any records with the listed company or any accounts that matched this account listed. I have diisputed account but it still remains. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am submitting this complaint on behalf of myself. I have a debt collection account on my credit that is not mines. I do not recognize the company being reported nor have I ever applied for assistance through this creditor. I have reason to believe that my personal credit may have been compromised. I ask that you all verify the validity of this debt in which youll see this does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all Experian, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXX for a {$0.00} balance, XXXX  XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. Conserve collection account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.

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 2018-09-20
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO 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