BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I received an email from Citizens One Personal Loans congratulating me on my purchase of XXXX XXXX XXXX The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to Citizens Bank, the line of credit approved was for {$1600.00}. I do not own an XXXX or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX 

I took action freezing all of my credit reports and filed a report with XXXX to dispute the inquiry. XXXX denied the dispute. Upon calling XXXX, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Wrong Name : XXXX XXXX Wrong Date of Birth : XXXX  Wrong Employer : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Citi credit card was charged {$11000.00} and {$11000.00} on XXXX XXXX 2017. I called the credit card company immediately and closed my credit card. The charge of {$11000.00} was disputed and I got the credit for one of the charges ( {$11000.00} ) the next week. However, the other charge of {$11000.00} is still on my account. 
I called the company more than 8 times. Every time I had to wait on hold for about 1 hour to get to talk to someone from the dispute team. I was always told both charges ( {$11000.00} and {$11000.00} ) are already disputed. They explained to me that giving the credit back to me takes some time, but I was guaranteed it will be credited within the next 3-5 days. However, it 's been almost 3 months since I called them for the first time and I still have that fraud charge on my balance. This is already hurting my credit score and also affects my life greatly because of the lower credit limit I could use.

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Per the FCRA regarding consumer laws the three credit bureaus are only to report accurate information on all my reports. 
The following information has been published without my written consent to do so, 15 USC 1681 the consumer has the right to prohibit information from being reported or sold in connection to any alleged credit or consumer transaction. 

The accounts I have not given consent to be published on my account are listed as follows : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2022-11-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with XXXX XXXX XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed XXXX XXXX would remove the collection from my credit report. Attached below is my XXXX  receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.

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 2020-12-15
Company: United PanAm Financial Corp.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX/XXXX  XXXX XXXX, UNITED AUTO CREDIT CO and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Experian Information Solutions 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:
sent dispute to XXXX  on XXXX and still haven't got any results on investigation transunion has remove all collections on credit report my but experian and XXXX  haven't therefore i know my report is inaccurate and not 100 % correct and by law must be removed from my Credit Report Also XXXX  has improper display of my collections which makes it inaccurate which needs to be immediately removed

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: Convergent Resources, Inc.
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:
Hello I keep getting harassed by Convergent loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on XXXX, XXXX, XXXX   and any other companies. 

Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.

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 2018-01-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with XXXX XXXX XXXX. I have recently applied for a modification. I was denied after a 3 month attempt. I could never get a hold of my assigned rep XXXX XXXX. I would always have to resend the same documents over and over. Once I was finally in review after weeks of sending document I was declined. I was declined with the incorrect income. So after weeks of sending documents Rushmore reviewed me with the wrong income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a phone call from XXXX XXXX XXXX stating they represented mutual recovery mediation to attempt to settle a debt from allied cash advance and would be filling charges against me in court if I did not pay. They threatened criminal charges. They refused to provide any documentation in writing. I have the phone call recorded. They would not provide me any information or location of this business. They refused to tell me who their client was. They hung up on me after I asked if they have anything in writing showing I ever consented to automated calls. The representative advised me they work closely with the judge in XXXX County Florida and told me if I don't settle they would file this in XXXX County FL and my current county of XXXX XX/XX/XXXX. They claim this was from a payday loan taken out in XXXX XX/XX/XXXX in 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
There is a fraudulent account being reported by Equifax regarding XXXX XXXX. Under the data field " Whose account '', My name is not listed as being the owner of this account. Equifax filled in the data field with " individual ''. This does not properly answer the question " Whose account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the Better Business Bureau. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XX/XX/XXXXfrom Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID I have had to refile my XXXX case, I filed my new XXXX on XX/XX/XXXX but the sale date has not been canceled or postponed. I called the servicer, SLS on XX/XX/XXXX and they could the sale date on my account, and I would need to call back to see what happened. But when I check online, it is still set to be sold on XX/XX/XXXX. See attached XXXX docs.

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 2019-01-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have being going back and forth with the three major credit bureau XXXX, XXXX  and Experian. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.

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 2020-12-15
Company: SYNCHRONY FINANCIAL
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX, on XXXX. XXXX, XXXX, SYNCB and on XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-01-15
Company: EQUIFAX, INC.
State: MI
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:
Between XX/XX/19 and XX/XX/19 I received a notice stating my car loan account was closed with XXXX XXXX  XXXX XXXX on my Equifax and XXXX  reports. I still have the car in my possession, my payments are current and this is my primary vehicle. I contacted XXXX XXXX XXXX XXXX whom informed me after investigation my account is positive with a balance of {$7400.00}, but there is nothing they could do for this to reflect on my credit report, and are unsure why my payments made are not reporting on my reports and this would have to be disputed immediately. my credit score declined 30 points due to this action and I am seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I believe, Wayfair LLC dumped defective appliances ( i.e., XXXX XXXX XXXX ) on me ( i.e., a minority consumer ) and Wayfair Credit Card a/k/a `` Citi '' and/or " Citibank '' whom partnered with Wayfair LLC in this effort, as well as XXXX via my billing dispute then ruining my credit by reporting negatively on my credit report! The total amount of my purchase was {$1500.00} of which I paid {$1400.00} for the defective products!

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 2019-02-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/19 I was preparing to close on a property, XXXX XXXX XXXX XXXX La. XXXX. The closing was scheduled for XX/XX/19. I was instructed to wire {$32000.00} needed for the impending closing early to prevent another delay in closing on the property. My closing/Escrow officer, My banker and I were waiting for the lenders approval to send the money for the closing that was scheduled to take place early XX/XX/19. Once we obtained approval, My closing/Escrow officer sent me the wiring instructions and I forwarded the wiring instructions to my banker. My banker wired the {$32000.00} needed for closing to the Title company listed on the wiring instruction sheet. The name listed on the wire instructions were XXXX XXXX XXXX at Suntrust Bank. I arrived for the closing and realized the funds were not available. The funds were intercepted by a fraudster and were not available to the Title company handling the closing of the home, XXXX XXXX XXXX. I as well as many others contacted Suntrust fraud department. I was told my bank had to contact them with a list of instructions of which one was to fill out a hold harmless agreement. 
No one involved in this fraudulent activity has offered any suggestions as to how I can recoup my {$32000.00}.

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 2018-01-30
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am having a serious issue with Freedom Mortgage. I paid my mortgage payment for XX/XX/2018 online and was informed after the fact that the bank would send them a paper check. As of today they still say they have not received it and my bank says they sent it and it is not their fault that it got lost somewhere because it hasn't been cashed.I contacted the CEO of Freedom Mortgage who is in another state and he sent me an email saying I needed to resolve it with my state. I kept getting stonewalled by Freedom Mortgage and was fed up dealing with rude CSRs who informed me the manager was dealing with other things and could not talk to me so out of frustration I emailed XXXX XXXX who was the one that strongly recommended that I use them for my mortgage. I explained to him that I won't be able to resend the payment until XX/XX/XXXX when I get my retirement check at which point I will pay XXXX and XXXX. because I used online bill pay for my car payment and they credited to someone else 's account so I had to make a double payment while they investigated it. Anyway my bank says I have to pay the {$30.00} stop payment fee which I disagree with since there is proof I submitted the payment on time. Now Freedom Mortgage is charging me a late fee plus it will go on my credit report as my payment being late. This is TOTALLY UNFAIR to me because I sent proof that I did submit my payment on time but it was my bank or someone at Freedom Mortgage who messed up yet I am the one getting shafted. I also wrote the CEO for XXXX XXXX XXXX and still have not heard back. At this point my advice is for people to stay away from Freedom Mortgage because this is a prime example of how customers will be treated.

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