BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank wont allow me to access my funds and will not assist me because of verification 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 explanation
Consumer complaint received 2017-08-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of Synchrony Bank/Lowes is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before XXXX XXXX attempts any debt from me personally without proper documentation.

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 2020-10-27
Company: USCB, Inc.
State: CO
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:
A collection account for {$1300.00} appeared on my XX/XX/XXXX and XX/XX/XXXX credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, Revsolve. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and XX/XX/XXXX who both ruled the collection account was valid. I have received no information from XX/XX/XXXX, XX/XX/XXXX or Revsolve as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at XXXX point valid, it has been illegally re-aged on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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:
XXXX XXXX PLAYS ( with inaccurate info ) EQUIFAX & XXXX CRAs CONFIRMING FALSE CREDIT REPORTING INFORMATION PRETENDING BEING UNAWARE OF FRAUD. See attatched XXXX XXXX ( *card end XXXX not mine ) Letter of XX/XX/XXXX from CREDIT BUREAU DISPUTES DEPARTMENT UPON XXXX XXXX CONFIRMATION NO DISCREPANCY REPORTED IN YOUR TRADELINE. I AM MEDICALLY XXXX UNABLE TO COME TO BRANCH & XXXX DOES NOT PROVIDE ACCESS ON LINE FOR MY HAND XXXX. I AM UNABLE TO COMPLY ON ID THEFT KIT DUE TO A SEVERE XXXX KNOWN TO XXXX. see attatched XXXX XXXX  Letter XX/XX/XXXX XXXX Confirms Decision to DENY MY FRAUD CLAIMS *CARD END XXXX. XXXX PRETENDS THIS WAS NEVER REPORTED IN LETTER XX/XX/XXXX. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL SERVICE CENTER case XXXX DELIVERIES NOT MADE BY XXXX PROVIDED TO REGIONS. see attatched Identity Theft Report FTC case XXXX. XXXX Bank PROVIDED NO XXXX ACCESS. ( XXXX Complaint XXXX ) see attatched XXXX Letter of XX/XX/XXXX some dates XXXX month XXXX month ** NONE OF THESE TRANSACTION DATES ARE EVEN PAST 60 DAYS FROM * DATE OF LETTER. FRAUDS REPORTED TIMELY. XXXX PROVIDED NO ACCESS AND DENIED CLAIM. see attatched CFPB RESPONSE XXXX XXXX I SUBMITTED XX/XX/XXXX. XXXX CLAIMS ALL CFPBs are duplicates as they will do with this complaint. I AM REQUESTING EQUIFAX & XXXX  VERIFY ALL ITEMS CHARGED WITH ORIGINAL SIGNATURE PURCHASES MADE FROM MY IP ADDRESS & ORIGINAL WRITTEN DOCUMENTATION ACCEPTANCE OF DELIVERY ** INTO MY HANDS Kindly Note ** CRIMINAL INVESTIGATION OF NON DELIVERY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is the second time that I have had to open a complaint with CFPB on USAA. 
Last month, I complained to you about REPEATED unauthorized charges to my USAA card, and I wanted the account CLOSED. After sending HOURS on the phone with their incompetent staff, I was unable to get the account closed. 
After asking you to help, a USAA rep called me to assure me that the account was closed. 
Today, USAA sent me a bill ( XXXX balance ) on account XXXX XXXX XXXX XXXX. 
Evidently, they have NOT closed this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information on my credit report is inaccurate, addresses need to be removed -15 U.S. Code 1681 section 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to get PMI off my Fifth Third Bank mortgage. I have called them about it 2 times in the last 3 years. and they just say no! I have to get original loan down to 78 %. But I explained to them that the housing market is way way UP! and i shouldn't need it anymore. I have 2 home mortgages with them and a excellent record .Especially since I have been a good customer for 30 years and never a late payment or bounced check.. It's clear they just like to make ME pay PMI and they get protected. what's up with that? I think I should be refunded for the last 3 years because, fairly I don't think the loan has needed it. Now I am {$6000.00} away from that officially .... but paying it for years unneeded. Today its XXXX estimate is {$160000.00} and i owe {$94000.00}! ... it seems to me they are so greedy. If something happened they could easily get the money they need and they should know it! if they were a ethical company they should of taken it off at least temporarily while my home value is high. they don't intend to, they sent me a letter showing me a document I signed and IM stuck! very " hold to contract '' feeling I get. and they claim to care about people? but pmi is unneeded? I think i've paid enough pmi payments for the last 20 years at least but never missed a payment on my 2 mortgages ..I don't know maybe it's an oversite? it seems to me they should of taken that stuff off a long time ago..and the Escrow account bounces all over the place but that's another issue. shouldn't i be trusted by now to pay that on my own taxes and insurance? OH well, I guess have to be still on probation? : ) Makes me never want to finance anything ever again..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: Aldous & Associates, PLLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently discovered an account reporting on my credit report that I didn't know of for a cell phone contract in the amount of {$400.00}. No attempt was made to contact me in regards to the debt and the collection is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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: Information belongs to someone else

Complaint:
I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.

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 2020-05-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my experian report and XXXX inquiry is still showing on my 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 explanation
Consumer complaint received 2023-11-02
Company: Total Auto Finance
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, I bought this car on XX/XX/XXXX not even a week after owning the vehicle it broke down and left me stranded in the middle of a XXXX XXXX highway. I called the bank and car lot explaining what happen and that the car come with warranty and it needed to be fixed. XXXX fuel injectors failed and started a huge gas leak that couldve killed me. The car lot and bank both refused to fix the car or take it back and return my money. Oh yea btw this bank XXXX total auto finance is not a real bank good luck with them ripping you off with money and never getting a response. A bank should not be able to text or call you XXXX hours a day 7 days a week. If they claim theyve offered to fix my car why had it been sitting for 6 months out of the 11 months ive had it? Why did I have to get a lawyer involved and sue for warrant in debt. If yall tried to fix it why did XXXX XXXX me to bring the car to yall? Why when I TOWED THE CAR TO YALL WHICH WAS XXXX and half hours away XXXX XXXX tell me where my car was going or who the mechanic was? Why did yall tell me drop the car and keys and leave immediately and then after I kept asking for my answers yall started to cuss me out and yell at me? I can upload the video because its recorded as well as XXXX witnesses who was standing with me and saw it. Do you wan na bring screenshots of where XXXX forged my name on a new contact with a higher amount and refused to give me a copy? If I signed a paper dont you think I would have a copy? XXXX you think I wouldve remembered the exact amount financed. Funny how youre hiding behind a screen telling lies but yet cant be served with paperwork because no one can find you. Karma is bad and its coming really soon and hard for yall. That car has gotten me hit 2 times and almost passed out behind the wheel because the fuel flames coming through the cars venting system. Lets not forget the car had a salvage title and in the state of Va IT IS ILLEGAL TO SELL A SALVAGE TITLE WITH A CAR without disclosing it or any known issues in the contract. How was my XXXX XXXX XXXX with XXXX miles listed as XXXX on the website and some how AFTER I bought the car it went up to XXXX? How come I never signed the contract that shows XXXX? Why did I never get a copy that says {$17000.00}? Why havent yall reported my payments Ive made since XXXX of XXXX? I can go on and submit a LOT MORE EVIDENCE against XXXX but XXXX let that lawyer handle that. Dont forget how yall HAD PLASTIC ZIP TIES holding car parts together on this car & how I had to spent almost XXXX dollars on a new motor for the car because XXXX refused to fix the issues wrong even though it was covered under warranty!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
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 of the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 u.s.c. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Due to corona virus I got behind on my payments. I emailed santander consumerusa.com and never got any reply. They say they tried to contact me but I never got a phone call, they didnt try to work with me. They never tried to call my husbands number or email or mail me anything. This morning I woke up to my car being repoed. They have since deleted my account on there site and are telling me I have to come up with the entire past due amount plus fees. I have no clue where to turn or what to do. Also my husband cant work right now because he has a XXXX XXXX XXXX. I also cant access any of my information as they have closed out my info on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: NATIONSTAR MORTGAGE 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 is missing that should be on the report

Complaint:
Nationstar turn into Mr.Cooper and all payment history disappear on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Miller and Steeno, P.C.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Miller and steno based in XXXX XXXX Missouri have been actively taking any debt with my or my wifes name, They have sued us and garnished our wages over a case, from 2017 never sent us a notice of debt being paid off and now are trying to collect the same debt alleging it was never paid, My wife works for a company that keeps records of her paycheck stubs, they were hoping we forgot and are trying to take close to XXXX more from us for a debt that has already paid. They were at one point calling us threatening that our credit scores would be harmed if we did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan was with XXXX XXXX XXXX, was transferred to Nationstar Mortgage now Mr Cooper, letter from XXXX XXXX XXXX  dated XX/XX/2012 said fax in modification paperwork and balance reduction and modification will be done! Was faxed and then transferred. Mr Cooper always says that was modified with XXXX XXXX XXXX but was not or would not be complaining! Mr Cooper always refutes the information and again WAS NEVER MODIFIED WITH THE BALANCE REDUCTION! THATS WAS I WANT AGAIN NEVER MODIFIED WITH THE BALANCE REDUCTION! Mr Cooper will sell to someone at value but inclosed is proof, DO THE RIGHT AND ETHICAL THING AND  HONOR LETTER AND QUIT GIVING EXCUSES!

Company response to consumer: Closed with explanation