BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
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 fraud alerts or security freezes

Complaint:
Since XX/XX/XXXX I have tried to freeze my accounty with Experian, but their web page is still not working, get error message stating to mail them request Here is copy of message : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 
Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security number : Date of birth : XX/XX/XXXX I requested to temporary lift the freeze, but to put it back on by XX/XX/XXXX yet I am unabel to do this online, I entered the pin they assigned me but still has this message, I have a right to freeze my account online, & I did mail them about 2 years ago the request via certified mail & have complaint before, they still do not honor my request to put freeze back on. 

I tried calling all the number they have yet only get a busy signal or machine only unable to get thru to a human

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 2020-04-30
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: NY
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:
Dear Sir/Madam, I've submitted a letter in response to your XX/XX/2020 letter but didn't get any response. So I '' m attaching the letter again here. 

Also, among the two loans you sent over, one under XXXX XXXX, the other under XXXX XXXX, which one did you approve? It seems per the document your sent over, those two are differed by interest rate, XXXX XXXX one is prime rate -0.5 % the other is prime rate +1 %.  Would you please send me promissory notes for both, as you claim both are my loans? 

Thank you very much for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ALLY FINANCIAL INC.
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/2021 I decided to search for a vehicle so I went online to XXXX  XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX of XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-06-24
Company: CITIBANK, N.A.
State: NJ
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by THD/CBNA of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX and XXXX   credit report XX/XX/XXXX related to that application. A formal dispute of this information was submitted to THD/CBNA XX/XX/XXXX. An XXXX credit report obtained XX/XX/XXXX shows this fraudulent related inquiry still being reported. Per FCRA guidelines, once an item is noted as fraudulent the item is to be either suppressed or removed from the credit report ( s ). This is a violation of the FCRA and my clients consumer rights.

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 2020-04-30
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: Problem with personal statement of dispute

Complaint:
My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/XXXX via telephone and I followed up with an email on XX/XX/XXXX. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/XXXX stating were approved by XXXX XXXX and were advised that our next payment would be XX/XX/XXXX. I have since then made my payments to bring my account up to date. However, XXXX financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called XXXX on XX/XX/XXXX. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. XXXX XXXX is not following Care Act guidelines during this national emergency.

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 2020-04-30
Company: KEYCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Key Bank on my residence located at XXXX XXXX XXXX XXXX XXXX CT XXXX. Account ending in # XXXX. With Covid virus, the numbers I attempt to call and denied access to a local branch has made it impossible to discuss the issue after receiving correspondence from the Bank with respect to insurance issues. 
My issue is with insurance requirements on my residence required by the mortgage. My current insurance agency ; XXXX XXXX XXXX Representative XXXX XXXX XXXX received notification from Key Bank expressing " under coverage '' policy amount for the above address. This has caused excessive insurance requirements dictated by the Bank mandating coverage on my home. I presently owe {$650000.00} on my home presently. XXXX XXXX placed valuation for replacement to be at {$660000.00} for replacement therefore assigning a yearly policy amount. 
Key Bank reached out to my agent and requires {$900000.00} replacement value for above mentioned property causing a unfounded jump in insurance costs to me due to valuation issues. 

I am asking for an individual to review these issues at hand please since my agent expects me to reach out to Key Bank and get an explanation as to these Bank requirements. I implore you to contact my agent listed above to discuss any of my issues explained to further validate this claim against Key Bank and XXXX XXXX inability to explain Key Banks position on insurance requirements. 

I appreciate any and all attention to this complaint since my insurance coverage requirement has made it difficult to meet my obligations due to Key Banks position with respect to house insurance. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for American Express credit card on XX/XX/21 and got approved for the sum of {$10000.00}. I have been using my card and paying my monthly payment accordingly without missing any payments. 

However, I just received an email stating my credit limit have been reduced to half of the initial credit limit on my credit limit. This totally un acceptable, since I was never behind on my credit card payment. 


I received an email that my credit limit is been reduced without any warning or anything saying such when I signed contract with them. I believe this have been racial profiling against me and my financial capabilities. I demand an apology and my credit limit to be restored to the stated approved credit limit. I believe this is miss used of power from " America Express '' and nobody should go through this discrimination ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I fell behind in my payments and made a payment arrangement where I was making payments on time. Best Buy charged off the account and sent the account to a collection agency known as XXXX even though I was making regular payments. The charge off is hurting my credit and the wrong amount is being reported. I have been and is still making regular payments.

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 2019-09-04
Company: U.S. BANCORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Us Bank Repo my car XX/XX/XXXX sent me a letter stating i had until XX/XX/XXXX to Reclaim the car they towed it to XXXX XXXX with my Personal Items inside I was then sent a letter from the place that had my car I went on XX/XX/XXXX to Reclaim the car but the car wasn't there but my Personal Belongings were I ask where the car was she told me she had no idea I contacted Us Bank coming to find out from them no letter or anything that they Sold the car on XX/XX/XXXX which they were in the wrong for Saleing the car because pertaining to the letter they sent me I had until XX/XX/XXXX to Reclaim the car but they never gave me a chance so on my Credit Reports they have Remarks but the account is Closed

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 2019-09-04
Company: Caliber Home Loans, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I asked Caliber Home Loans for a loan modification. They Approved the modification but never notified me of the approval. Once I learned of the approval I began paying the lesser amount. 
Now there is a delinquent mark on my credit report saying I was 60 days past due. This company is terrible. I never asked them to be my servicer. I never entered into any agreement with them and they are rude and disrespectful during all phone calls. 

The company does not communicate within their own divisions. The active agreement/loan modification should not be recorded as a credit delinquency. 

I recently learned that the Massachusetts Attorney General sued caliber home loans over predatory loan modifications. This is exactly what happened to me. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a major financial crisis happen at the end of XXXX. This caused me to get behind on my mortgage. Ive made partial payments but I have not been able to make a full payment. My issue is that Vanderbilt Mortgage has 1 ) increased my payment amount to provide a cushion as they call it. And 2 ) they are not accepting my partial payment. 

My mortgage should be {$1900.00}. They are charging me over {$2000.00} ( I cant get the exact amount as they have also blocked my online account with them ). On today XX/XX/XXXX, I received a check from them in the amount of {$1000.00}. The checks where for partial payments in the amount of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. The letter attached with the check reads the amount represents less than half of the full amount due on the loan. 

What company returns payments?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX XXXX THE FIRM PREVIOUSLY known as XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past 6-9mos I have made numerous call and send email to to the student email and and phone number to However I have not gotten any response response XXXX nor have i gotten an confirmation email or phone confirmation when I send information I finally spoke some in loans servicing who was kind enough to give her email so we could correspondence.. 

I show that you were my Student Loan Lender and Servicer during the XXXX until 2003 when consolidation occurred. 
I would like to know the following : 1. The reason for the consolidation in 2003 as the consolidation was your suggestion. 
Its my understanding that XXXX XXXX is the lender of record and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the Guarantor, Loan Servicing was transferred to XXXX XXXX XXXX ( XXXX ) in 2003, American Education Services ( AES ) is the current Loan Services. 
The 2003 Consolidated Promissory Note list Student loan Consolidation Center as the Guarantor /Lender and 3 different lenders as follows : a. XXXX @ {$41000.00} XXXX XXXX @ {$20000.00} - ( can you please tell me who the lender is as I dont recognize the name ) XXXX XXXX XXXX @ {$7800.00} Please note that I was instructed to list the above lenders and amounts by you and or the consolidator who received said information from you Im requesting to know how many loans are encompassed under each lender and the following information for each individual loan. 
1 ) Original Lender 2 ) Type of Loan ( Private or other please indicate ) 3 ) Disbursement Date 4 ) Disbursement amt 5 ) Original Int Rate 6 ) Guarantor 7 ) Consolidating ( CNSLD ) Lender 8 ) CNSLD Date 9 ) Reason for CNSLD The information should be completed on the attached XXXX XXXX. 

Please be advised that AES and XXXX XXXX dont have any of the supporting loans documents or information supporting the 2003 consolidation numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: I.C. System, Inc.
State: SC
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:
On XX/XX/2020, I sent a third party debt validation letter to I.C. Systems, Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. Systems, Inc., has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Creditors To Executive Managers, My name is XXXX. This letter is a formal request germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent customer loyalty and on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$2500.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation. I will pay if possible. 

Over the years my credit reports reflect fraudulent inquiries, accounts, debts and suspicious transactions on a consistently - the most recent inXX/XX/2019. As a XXXX vet and XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXXXX/XX/XXXX, my intent is not to obfuscate financial responsibility but show actions and steps taken out of necessity to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. 

My intent is to dispute these inquiries, and negative entries which force me to apply for high interest ( % ) loans. I am working have my name and credit cleared up. And want this letter to serve as a rational to stop debt collectors calls, demand letters and emails. And creditor from reporting late payments and reporting me to the 4 credit reporting agencies ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. My case numbers for the investigating authorities are as follows : Federal Trade Commission Affidavit # XXXX XXXX PD, Economic Crimes Unit, case # XXXX Sincerely, XXXX PS I sent this email in lieu of calling - some creditors are claim that my cell is disconnected

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 2021-11-29
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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XXXX XXXXXXXX XXXX They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. Its been over XXXXdays so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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