BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had an account with Citi Bank. Around 2017 I received email notification to fill out a form if I was erroneously enrolled in a credit protection plan without my authorization. 
I filled out the form and submitted it electronically via the link provided by Citi Bank in the email. FYI - I no longer have a City Bank account. 


Earlier this year I received a letter ( attached ) from Citi Bank claiming that a check was not cashed. I did not receive the check that was allegedly sent to my condo. I filled out the new form provided by Citi Bank, advising where the check should be resent. 
I have not received any further information from Citi Bank. I know at least one other entity ( XXXX XXXX XXXX ) that received the same letter from Citi Bank, then followed the instructions and did not hear back. 


Calls to the number provided on the City Bank letter have proved futile as the customer service agents have no knowledge of the matter and/or the letter.

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 2018-06-22
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony Bank was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX  Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from Synchrony Bank Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. Synchrony Bank informed that they sent electronic letters to both XXXX and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from Synchrony Bank it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by Synchrony Bank was dated XX/XX/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 2016-04-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ditech Financial Services issued a revised billing statement at the same time as ditech announced implementation of the XXXX XXXX XXXX XXXX XXXX platform. The statement date of XXXX/XXXX/2016 does not indicate the date when the statement was likely placed in the mail. I believe that that date could have been about 7-10 days afterward. The statement did not arrive at my address until on or about XXXX/XXXX/2016. I do not believe that ditech has control of their internal mailing process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: AMERICAN EXPRESS COMPANY
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 listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft AMEX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
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: Was not notified of investigation status or results

Complaint:
I have sent numerous letters to XX/XX/XXXX regarding an alleged bankruptcy that appears on my credit that On XX/XX/2020, XX/XX/2020, and on XX/XX/2020, I sent them letters requesting them where did you get the information that they are reporting on my credit profile regarding an alleged bankruptcy that appears on my credit report. They claim it was verified but they have not provided any evidence of that " alleged verification ''. I have security freezes with companies like. XXXX, XXXX, XXXX, and XXXX just to name a few so there is no way of Equifax being able to say that they received information from any of these mentioned companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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: Account information incorrect

Complaint:
I had an account with XXXX XXXX. I received a call from collection agency XX/XX/2020, advising that if I paid the settlement offer the item would be removed from my credit report. 2 months later the item is still reporting negatively on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband and I were looking at renting a house around XX/XX/2018. We contacted the person on the ad, filled out a renters application, and lease, and he asked us to send the money via wire transfer since we both banked at Wells Fargo..

We went to our local branch, talked to the teller and he handled the transaction. We never left the bank, never touched the money, have the receipt, and all the other person 's information. A couple days later, the " landlord '' of the new property asked us for an HOA fee, and that's what made us step back and start making phone calls to verify things.

Come to find out, there was no HOA for the neighborhood the house was in, and no one had any information on or about the person we were talking to. After discovering that info, we called the bank, filed the claim with them, went to our branch to talk with the branch manager, filed police report, and every other thing the bank had asked us to do. The branch manager said that since we did everything that was asked, and gave her a copy of all the info we had about the situation and person committing the crime, that she would put a note in our account to allow us to have our money back. 

That was a month ago, and now all we are getting from Wells Fargo customer service reps, investigators, and supervisors is " It sucks to be you, and we refuse to help in any way. '' Our bank who we have been with for almost 5 years is doing nothing to help us, acts like we do not matter, and the suporvisor 's are extremely rude when we talk with them over the phone. We are still fighting with with the bank to get back the {$1000.00} we were taken for, and our wonderful bank is treating us like we are the criminals.

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 2017-08-01
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BlueChip Financial
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted about debt that I owed toward an old payday loan. Initially, I was told that a suit would be filed against me in the county I live in. I contacted XXXX XXXX XXXX, who told said they had tried to send me a written notice, but it was to an address I haven't lived at in several years. 

They emailed a Dunning notice to me. I had already reached out to Spotloan, which is the company I had taken the payday loan from several years ago, to verify my account information. The account number they gave me didn't match the original account number listed on the Dunning notice from XXXX XXXX XXXX. 

I attempted to mail a letter of verification to the PO box listed on the Dunning notice ( XXXX XXXX XXXX, XXXX, NY ), but received notice from the USPS that the letter couldn't be delivered because the address is vacant. This is also the address listed on their website.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Lending Club Corp
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They keep turning on autopay without my consent. Theyve done this multiple times. Theyve caused multiple other scheduled payments out of the payment account to be returned. Theyve also attempted to eft/debit accounts that Ive deleted from my profile with them. Im unemployed so this has caused great harm and stress. They feign ignorance into how this could happen. They have verified multiple times on recorded lines that autopay is off. Unauthorized withdrawals from my account either constitutes fraud or theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXX XXXX  a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Subject : Credit Fraud Protection -- On XX/XX/XXXX I bought my Car Finance Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have Auto payment SetUp with XXXX XXXX XXXX. 
Monthly installment directly deposited to XXXX XXXX XXXX on last week of every month. 
Monthly Installment {$790.00} Total Paid Amount : {$19000.00} No billing Statement received by XXXX XXXX XXXX. 

Without prior notice or any communication the XXXX XXXX stop taking the Installments from my Bank. I been trying to contact with the XXXX XXXX to understand the situation but unable to contact. 

On XX/XX/XXXX early morning I found my car is missing. I reported the Police as my car was stolen. And with the help of Law enforcement agency I later found my car was towed away by the Finance Company and getting ready for re-sale. The repositioning authority did not co-operate the situation. No letter or further was provided by the authority as of today. 

The huge emotional, social harassment and inconvenience is not acceptable to any customer. The is against the business ethics and violating consumer right. Please help and take necessary action. This will completely ruin my credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to both Transunion and XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been 57 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2020-12-16
Company: ACIMA CREDIT, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I ordered a couch back in XXXX and I was paying it off they told me before how much was left now its as if in XXXX they are still trying to over charge me and Im not understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National recovery agency keeps calling to collect a debt they say is from XXXX XXXX, 2009. They say the bill XXXX for {$420.00}! They have never sent anything in writing ( no bills or letters ) for six years! I have never received a bill XXXX! I called XXXX and they have no record of this bill or of me owing any money! Iwas seen at that hospital and all bills were taken care of through our insurance! They provided an account number which does not exist!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have a XXXX  XXXX XXXX  that was original financed @ GM Financial @ a  18%interest rate, After lowering the principle by payments I started a loan process for my XXXX  XXXX XXXX with XXXX XXXX XXXX XXXX. I realized the monthly notes were higher than the budget I've set for myself. I called and spoke with someone @ XXXX XXXX and cancelled the process, before I had completed closed,or signed a power of attorney to release the title. I thought it was cancelled as the representative assured me. I continued my negotiations with XXXX XXXX XXXX for a better rate and monthly payment, we reached an agreement, I paid GM Financial an additional XXXX on the principle balance as per XXXX XXXX XXXX   request  completed all the needed  paper work @ a local branch. I signed the agreement paid the appropriate licensure fees and power of attorney for title of the vehicle. The closing was on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from GM Financial stating That the car was purchased by GM and the title as sent. I know I didn't complete paper work or authorization for the vehicle to be purchased by XXXX XXXX. I have been calling all Financial institutions, since receiving the letter.  XXXX XXXX is willing to send the title back after they get their funds back.  This has been communicated to GM. GM has kept my XXXX dollars I paid. GM Financial have cashed the check for XXXX  in the amount of XXXX  ( the amount owed after my XXXX principle payment). GM Financial has also cashed a check for XXXX for XXXX XXXX.  I now have two car notes to two different companies due in the latter part of XX/XX/XXXX  I completed the paper work with XXXX XXXX,that is the company I want. I call GM nearly every day after being on hold from 30-60 minutes and I am getting different answers each time I call from it will be resolved in 48 hours until it could take 90 days. I always have to start the story all over to each representative and I believe he or she does not consult anyone or know the company's policy and wants just to end the call. I have not missed a payment since I had the vehicle, but I am semi-retired, I don't want to pay double. I need help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
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 want to first and foremost thank Transunion for processing my dispute recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if the finished processing my dispute because the 1 old account which has had no activity on it for more than 7 years is still on my file and affecting me. the account is labeled XXXX ( XXXX XXXX XXXX XXXX ).  This account should be deleted like the other one which they were so kind to remove. I would like to have it deleted for premium accuracy please. I have no lates on this account and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section ( which I have linked to this complaint. I am coming here to hopefully expedite this situation because I am attempting to purchase a new home and this inaccuracy and old account is not letting me make that purchase through the bank. 
My con cern is that it has no lates or delinquencies and yet it is saying on my credit report with Transunion that I have a LATE account, which I do not so somehow this account is not registering accurately on my general profile with creditors and this is tremendously damaging for 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 2018-08-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2018 Co.Rushmore loan management services located in XXXX Ca XXXX. My name is XXXX XXXX from XXXX Illinois address XXXX XXXX XXXX XXXX XXXX. I called today asking for a A home equity loan or refinance this company couldnt provide neither one they said stop doing it in XX/XX/XXXX of this year XX/XX/2018. This Co.Never sent no email phone call or mail that they were stop providing this Service and didnt know if they were going to ever do so again something has to be done about this problem

Company response to consumer: Closed with explanation