BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi priority checking account with a promotion of {$700.00} if a minimum amount was maintained for a certain duration. The account was opened in XX/XX/2020 and all terms were fulfilled sometime in the Fall. I called and was told a W9 form needs to signed ( nobody told me this was a requirement ). So in XXXX, I went into a Citi branch and signed the form. I called numerous times since then and was told to wait 5 business days each time. I believe Citi has deceived me each time as the {$700.00} promotion has yet to be deposited.

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 2020-11-28
Company: National Credit Systems,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: Their investigation did not fix an error on your report

Complaint:
National Credit Systems is reporting an inaccurate debt. Account number XXXX for {$4000.00} has been updated to my XXXX  credit report and is being reported as a collection on XX/XX/2016. The company has failed to provide me a valid copy of any agreement to this debt after several attempts. I dont own this debt and have not received any valid agreements showing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was originated under XXXX XXXX who I believe worked for both Mortgage Electronic Registration Systems , Inc. ( MERS_ as Mortgagee , MERS is the nominee for Lender and the mortgage  loan originators post office address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX and license number is XXXX. I was approved for a FHA loan with an adjustable rate mortgage. I used an attorney provided by XXXX XXXX, Guaranteed Rate or MERS, it was very unclear to me. The loan was originated under XXXX XXXX instead of XXXX XXXX XXXX in order for the investors or holders of the loan to avoid tax liability in the event they had to foreclose on the property. Additionally, I believe they are defrauding the US government by double dipping with loan write offs post foreclosure. In my case that sum was greater than 80K USD. Additionally, I was informed the loan was not tied to my SSN which is why I am still liable for the tax liens. If you read the XXXX XXXX XXXX agreement it seems very clear to me as a consumer they were responsible for the taxes. Please review all of the attached documents. I also submitted my complaint to the FBI, and have started to send the information out to private attorneys. I would think a FHA loan would have been tied to my SSN as the loan appeared on my credit report. I also notified XXXX XXXX who I had been making payments to that I needed help. I applied for a loan modification and was denied under the basis of the loan not being 12 months old. It's my understanding after briefly doing research the 12 month period is invalid and I should have been awarded a loan modification which would have prevented me from losing my home. I have been homeless since the foreclosure and have suffered emotional distress, damages, and have lost time which is of course the most valuable resource. I'd also like to point out I've never been married, and was hospitalized during the notices. I used an attorney provided by the loan originators and used my passport and license which state XXXX XXXX XXXX & XXXX XXXX XXXX. I followed what I was told by the attorney present who should have been looking out for my best interest as the consumer rather than the banks. I can prove they have done this on a broad scale. 

It's incredibly important to review the phone calls on XX/XX/2019 and XX/XX/2019 with XXXX XXXX an executive resolution specialist for  XXXX XXXX home mortgage and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY MORTGAGE ACCOUNT AT CITIZENS ONE IS XXXX i have been trying to reach citizen one home loans for a long time. There are always long hold times. 
THIS IS UNACCEPTABLE. 
ALSO many of the reps are foreigners which impedes on customer service. 

in XXXX, i was assessed a late payment fee. we all know the postal service is messed up during XXXX  pandemic. they shouldn't be charging fees. 

please take care of this ASAP THANKS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For a very long time I have battled with Equifax regarding removing the fraudulent account which is dropped from $ XXXX- {$5000.00} for cash aid withdrawn by the mother of my children who at the time was collecting cash aid and did not have the children since I had full custody. The {$55000.00} was updated and taking off by the department because of the mistake in the fraudulent {$5000.00} amount Its still been reported by the bureau even though I let them know that that amount is fraudulent. The mother is currently in rehab and I would like the negative information taken off and blocked once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: NC
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:
I have a collection account on my Equifax credit report that I disputed on XXXX by sending in a verification letter that was certified mail and signature redturned.XXXX Equifax received my dispute.30 days passed with no response so I mailed in a 30 day demand to comply letter to Equifax certified mail signature returned. It took till XXXX for Equifax to respond by mail to say that the account was verified.XXXX I mailed a method of verification letter asking for them to provide me with the names and or business they verified the information with, the date the information was furnished, the method of communication that was used, what the money is owed for, and any contract I signed to pay the money. Then on XXXX I received a letter saying the account was verified but they did not have any proof of how it was verified. All documentation is available if needed or requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear COMENITYCAPITALBANKXXXX XXXX XXXX XXXX XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX for 30-120 days.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX  with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score has been declining and I have just started to actively monitor my credit through XXXX XXXX. While going through my XXXX report on XX/XX/XXXX I discovered a derogatory mark from XXXX from XXXX XXXX. XXXX XXXX claims a debt obligation of {$220.00}. I have never subscribed or interacted in anyway with this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The computer glitch that Transunion had caused my inquiries to be deleted. Transunion later added them all back on my credit report without giving me the legal required wriiten notice five days prior to them re-adding. I have contact transunion in good faith on 2 separate occasions to ask them to delete the inquiries that they have illegally re-added but they have not done so. They told me I have to wait until they dropped off and the were unable to help me with this matter. These inquiries add an hardship and my rights were violated by transunion. I am asking and pleading for your help to have transunion to stop victimizing me. As a a resolution may all of my transunion inquiries be permanently removed from my report as a violation that took place when they were illegally added.

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 2018-02-07
Company: EQUIFAX, INC.
State: MD
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:
I have several unauthorized credit inquiries from XXXX XXXX from the following dates :XX/XX/2017 XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
As of my XX/XX/2020 statement, Chase has lowered my credit limit from {$5400.00} to {$4300.00} with no notice to me. I have made my payments on time since I have had the card, and this has negatively impacted my credit utilisation and credit score. This was done during the middle of the COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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:
The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

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 2018-07-16
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Wells Fargo Bank Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XX/XX/XXXX ) and XXXX and XXXX ( XX/XX/XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2020-01-23
Company: Experian Information Solutions Inc.
State: TN
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:
I have close to XXXX inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to XXXX something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - 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 explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
ID FOR COMPLAINT SENT TO TRANSUNION XXXX File a previous complaint with this company and those issues were not resolved. I called in and spoke with two different representatives who stated that they were in a foreign country and they handle all disputes the same. I'm not trying to get over on anyone or deny any wrong doing on my behalf, but my Transunion credit report has several errors still and disputing for almost a year. I've contacted and had success with the only two major credit reporting agencies. I've submitted all the documents pertaining to my case and every time i was ignored or it came back verified. Please look into this, i will attach proof of cooperation from the other bureaus as well as letters that i sent in to Transunion before.

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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
CAPITAL ONE BANK IS STILL REPORTINH 2 ACCOUNTS ON MY CREDIT REPORTS W/O MY PERMISSION, AND THEY FAILED TO FORCE XXXX TO UN SUPRESS MY CREDIT FILES IN ORDER FOR YOU TO UPDATE CAP ONE ACCOUNTS. WE I SIGNED UP FOR THESE TWO ACCOUNTS IT REQUIRED A 4 CREDIT BUREAUS, XXXX, XXXX, XXXX XXXX XXXX, SO THIER IS ONLY THREE AND THUS VIOLATING THE DODD FRANK ACT AND F.C.R.A.CREDIT FURNISHERS LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: OH
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:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-05-22
Company: Navient Solutions, LLC.
State: AL
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 attached to three student loans from navient formally known as Sallie Mae. These loans were obtained for my husband ( at the time ) XXXX XXXX education. I agreed and co signed on the first loan with sallie Mae for the education institution called for full sail real world education. This was a term of six months totaling {$40000.00} and I signed as a cosigner. This education program extended into 2 1/2 years and two additional loans were obtained. I did not authorize nor sign the second or third loan however for sale real world education obtained the second and third loan by using my Social Security number and my name. I have attached contracts that show my name on a primary line and one of the  loans my name on the primary and co-signer One. These contracts were not written in good faith and does not represent the Department of Education, the company Navient, nor the education facility called for sale real world education .I have spoken with the Department of Education and they have informed me that Student Loans obtain through Sallie Mae now Navient can only be given to a parent using a plus loan or a student using a student loan that a spouse is not eligible nor is it legal to obtain a student loan for a spouse to go to school of any kind. The Department of Education shows no record of my name on any three of these loans and they are aware of the situation. I have attempted through an attorney, myself, The credit bureau and Sallie Mae/Navient to clear this issue up I am still in the same place. I am a single mother of three children I currently work for the XXXX and I had prior military service I am also a XXXX vet. I pay my bills I pay my taxes and I keep my credit as upstanding as I can I also hold a clearance for the United States XXXX. This student loan that I am not responsible for has caused me to struggle financially for the last 8 to 10 years being able to obtain good interest rates car loans mortgage options etc. I am so disappointed The lack of concern in the situation has been given. Although life isnt fair this particular situation is extremely unfair not only to myself but to my children. I hope these words find the right person that is concerned to help resolve the situation. I have attached documents and I have more if needed the situation has been going on since XXXX I have notified Navient of this issue dated all the way back to XXXX. I am hopeful that this could be resolved in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
non-performance of the contract. 

I was preapproved for a loan and it was sent to underwriting. Navy Federal Credit Union refinance loan that was never worked on ad fell out of compliance after 6 months, I had contacted the underwriter no less than three times asking for status and was ignored. 

Then they had me sign another document after the rates had risen, and came up with unverified excuses as to why the house was not owner-occupied after they had clearly lost documents, I have documents stating during the application what was happeing in our household having two homes due to work locations. etc. 

We had proved it was a primary residence for my husband, he works in the area, filed taxes from the house, we bank in the area. 

It was basically NFCU attempting to cover up their non-performance of the contract. 
Now I am going to have to refinance and sue for about {$150000.00} plus legal fees soley because they did not do the right thing by their customer of 30 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation