BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of this year, I applied for refinancing with CitiBank/CitiMortgage on behalf of my father. We were approved in principal for the loan XXXX credit approved etc. ) and paid the applicable fees of over {$500.00} for the assessment etc. 

I confirmed with Citi on numerous occasions that my father 's input would NOT be necessary until closing. In fact, despite my power of attorney for my father 's accounts, I was told it would be better to wait until closing for his authorization in person. 

Regardless, during XXXX Citi 's underwriters attempted to contact my father via phone to confirm authorization. My father is elderly and hard of hearing and usually does not answer the phone. Rather than communicate with my loan officer at Citi or myself, Citi initiated investigations of fraud via both XXXX County Adult Protective Services and the local police department. 

Despite the fact that both agencies performed full investigations and cleared me of any wrongdoing, I was then denied credit for the following reasons : XXXX Unable to confirm identity * Unable to verify residence or occupancy Even though BOTH were verified by the investigating agencies. Both investigating agencies communicated to me personally that this never should have happened. 

Within the last month I secured the refinancing through a different lender, with ZERO problems.

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 2018-04-17
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery services keeps putting new collections on my credit report that are not mine. They are my EX husbands who is now deceased. We were not together and had not been together for some time. I never signed anything these are not mine and they need to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from 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 2021-03-15
Company: CreditNinja Lending, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor CREDITNINJA. I never opened an account with CREDITNINJA or apply for a loan.

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 2019-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I called Bank of America to report fraudulent charges on my account amounting to XXXX and they stated they would investigate and they would submit a hardship form so I may obtain a temporary credit. They closed my case and determined they were valid charges even though I have no idea why I was charged that amount

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent letters to the credit bureaus telling them that the inquiries on my account weren't mine and were inaccurate. I sent the Letters on XX/XX/22 I haven't heard back from them. 



I understand that under 15 U.S.C. Sec. 1681i ( a ), that the credit bureaus must complete this reinvestigation within 30 days of receiving my letters.

15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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 2019-09-09
Company: Direct Recovery Services, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company Direct Recovery Services ( directrecoveryservices.com ) calls again and again trying to collect debt from someone who previously had this phone number. I've explained this several times and asked them to remove the phone number. Sometimes they call and leave nasty messages. 
When I ask questions about who their company is they often hang up. 

They appear to have other complaints about them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
about 2 months ago I was completely robbed and hacked everywhere XXXXXXXX XXXX of account and all my personal information the victims sent all my money out to themselves and left my account negative after I recover my phone and changed all my passwords and got some of my things back I begin to fill a claim explaining what happened. The claim amount was for XXXX. They was very nice and understood the situation and told me to keep calling back for updates and I did I called back about 3-5 times for updates and they kept telling me after 60 business day I should be able to get my payment. so I waited and kept calling and today it makes 60 business days and they said they had denied my claim and I dont understand why but I really didnt like that decision after they promised me my money a bunch of times. I just want my money back!!!!

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 2021-04-28
Company: EQUIFAX, INC.
State: IL
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:
These Bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e '' The alleged debt can not be verified and I have yet to receive a response after 30 days which is yet another violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection company, DIVERSIFIED CONSULTANTS, is saying that I owe them an amount of {$870.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once on XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by DIVERSIFIED CONSULTANTS is unlawful and they should not be reporting this amount to my credit this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: SANTANDER HOLDINGS USA, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act Santander Consumer USA Inc. # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: Prosper Marketplace, Inc.
State: OH
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 a loan with XXXX XXXX XXXX XXXX, PROSPER MARKETPLACE IN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and XXXX XXXX XXXX  XXXX, PROSPER MARKETPLACE IN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2023-07-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX I received a payoff letter from Nissan Motor Acceptance Company in the amount of {$24000.00}, which included sales tax in the amount of {$1200.00}. This amount also includes the purchase option fee of {$300.00} as listed in the lease agreement. This purchase option quote is good until XX/XX/. 

On XX/XX/XXXX I initiated a call with Nissan to confirm if I had a last payment due in XXXX since I had established a new loan with XXXX XXXX XXXX XXXX XXXX ( XXXX   ) and the first payment was due in XXXX with them. At this time, I was told by XXXX XXXX from Nissan Motor Acceptance Company that the payoff was done incorrect, and I owed an additional {$880.00}. I told them this is unacceptable as the XXXX has already established my new loan and sent them the full payoff and why did it take me to initiate the call and not be notified within 30 days? Saying that after talking with XXXX and his manager ( who hung up on me ) today we have determined that they have processed the check that was sent to them. On XX/XX/XXXX I received an email from XXXX XXXX dated XX/XX/XXXX and addressed to XXXX  that they received check # XXXX for the funds totaling {$24000.00} to payoff the captioned lease. However, the letter states they are unable to process this payoff for the following reasons. 

___ Payoff received was short by an amount of {$880.00} ( I have asked them repeatedly to explain this! ) ___ Other : XXXX PURCHASE OPTION FEE PLUS SHORTAGE XXXX ( What does this mean? ) In the meantime, they are accruing interest on my loan due to their mistake they refuse to own up to. 

I hope you can be of assistance to their shady dealings, and I plan never to use Nissan Motor Acceptance Company again! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX Account # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Early Warning Services, LLC
State: MI
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  XXXX XXXX has no way for me to contact them to report the fraud going on. I am an ID theft victim, they keep sending me letters stating an account I did not apply for was denied due to my Early Warning Services banking score. They dont check credit reports they just allow fraud to run rampant. CFPB needs to regulate Early Warning better. They are owned by big banks like XXXX XXXX XXXX and it's their excuse by not allowing fraud alerts to be placed on that report and not checking the big 3 credit reports which if they did they would see the freeze and the fraud alert telling them the number they need to call me at to verify my information before going any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: EQUIFAX, 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:
XXXX XXXX is reporting a inaccurate last payment for a charged off account for Equifax it is showing last payment was XXXX XXXX and for XXXX  it is showing last payment date XXXX XXXX Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: BBVA FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX purchased BBVA and in return closed my Simple bank account. I took a quick look at BBVA 's banking system but decided I did not like it. I requested BBVA to close my account two times. I requested to close my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All three responses were not on how to close my account but were instead of how to HIDE my bank accounts from my account. The third response apologized but offered nothing in response. I tried calling but spent over an hour on hold before giving up. 

I want my account to be closed, permanently, as I want nothing to do with XXXX or BBVA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Bank of America XXXX XXXX account was opened under my name without my knowledge on XX/XX/23. I received an email saying that an application for the account was submitted and approved. I immediately called Bank of America and reported the activity as 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 non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt collections belong to me legally.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had checking and a mortgage with Wells Fargo and I believe I should be included in the lawsuit. I believe they used my accounts illegally

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 2019-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Was a victim of identity fraud I have multiple addresses aliases and fraudulent information on my three credit bureaus these addresses or validated addresses Thur Accounts open by fraudulent actors.

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 2021-04-11
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FEDLOAN showed up on my credit report. 

All student loans were/have been forgiven. 
STUDENT LOANS {$4800.00} Reported balance FEDLOAN SERVICING {$3100.00} FEDLOAN SERVICING {$1600.00} I have not authorized making of any kind of payments. I do not know who this company is. 
WHAT SCHOOL?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: OH
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:
I received my credit report and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under the 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Financial Data Systems
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are XXXX, badgering my credit with no explanation on an erroneous, alleged collections.

Company response to consumer: Closed with explanation