BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is to make complaint against Citibank N.A. I make this complaint for the following reasons : 1. Citibank land-mailed me an offer for a credit card. 
2. In XX/XX/2020 I responded and applied for the credit card. 
3. Upon approval and receipt of the credit card I realized it was a balance transfer card ( Diamond Preferred ) as opposed to a reward card. 
4. I asked Citibank to convert the balance transfer card to a rewards card. 
5. Citibank responded that they could not convert the card. That I would have to make a new application for the rewards card. 
6. Accordingly, I applied for the rewards card but according to Citibank, was not approved because Too many recently opened accounts were recorded on your credit bureau report. 
7. I then telephoned Citibank for clarification and was told I had to close all accounts opened in the previous 365 days before my application could be reconsidered. 
8. I complied. 
9. I closed all accounts, five, including the Citibank XXXX XXXX account and land-mailed Citibank a letter of confirmation including documentation for each. 
10. After 30 days with no response, I telephoned Citibank to ask about the status of my reconsideration application. 
11. Citibank responded that I had to reapply, again. 
12. Upon reapplying I received an identical letter, dated XX/XX/2020 and in complete ignorance of the facts, stating my application was denied because Too many recently opened accounts were recorded on your credit bureau report. 
13. At what cost to my credit rating has been Citibanks irresponsibility?

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 2020-12-01
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today Discover Card made a Business Call to close my account for reporting the fraudulent transactions. I am grateful for CFPB its time that Credit Cards/Banks are accountable to the American people and Congress really needs to change the law on Credit Card Companies closing accounts for frivolous retaliation reasons. Discover advertising zero percent fraudulent transactions liability is a lie and a joke. I want my case documented that during COVID 19 this is what you get. Its truly the best time to get new credit card laws in legislation. I bet if Discover needed a bailout from the taxpayers the government would not close Discover Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: TX
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX/XXXX XXXX MO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Have been trying to make a payment on my account since XXXX. Tried to make the payment online but my bank account had been unlinked. Try to link it again and kept receiving an error message. Had the same problem when I tried to make a payment in XXXX and had the same issue. Called customer service and tried to make the payment with them and it still did not work. The customer service rep documented that we could not make the payment. However it was still reported late on XXXX the XXXX. It was then reported late again on XX/XX/XXXX even though it wasnt 30 days.

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 2022-04-29
Company: EQUIFAX, INC.
State: SC
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:
Vehicle was repoed in XXXX. Balance after sale that was left was under {$11000.00}. It is showing on my credit report at {$18000.00}. Deputed it with the company and they stated the company that does their reporting was correcting it. A few months went by and I look again the balace went back up to {$18000.00}. Desputed it again with Equifax and also called the company. No changes have happened. I called the company on XX/XX/XXXX to request documents. The manager stated he already provided it and will not give it to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Complaints against Equifax 1. I have reported address removal from my credit report twice, and been told corrected XX/XX/XXXX and XX/XX/XXXX. I filed third dispute request today. 
2. I was part of the XXXX Equifax breach with claims up to {$20000.00}. I have field and under review for damages to credit, changes in mortgage needed, attorney fees, etc. Of course that breach is tied up in legalities for undetermined amount of time. My score reported to banks and lenders was artificially low in XX/XX/XXXX ( and for undetermined amount of time prior to that ) causing severe consequences to my financial well being. 
3. It appears that I have been part of a second breach, and Equifax has not responded or given recommended course of action. On XX/XX/XXXX, credit companies and Equifaxs website show a sudden drop in my credit score of 32 points without explanation. I spoke with Equifax on XX/XX/XXXX and they are unable to see the score change in their system. They have no explanation for my actual score they have on record and the score that is reported publicly to banks and lenders. They also have not provided any direction for correction. 
a. Note XX/XX/XXXX, I began dialogue with the Cyber Crimes Division at the XXXX XXXX office to look into extremely comprised accounts with XXXX and XXXX that have potentially and likely affected bank accounts, telecommunications with XXXX and XXXX Link, business and personal information, social media/false dating profiles, etc. Both XXXX and XXXX put in writing that I need their assistance to correct. An agent in the XXXX XXXX office has agreed to look into. 
b. FBI and Secret Service both directed me to the FTC to resolve the Equifax issue, and they directed me to you. 
c. If reflected credit in public/banking systems is artificial and inaccurate, I would look into third party reporting agencies, such as XXXX XXXX in XXXX, CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX balance. I have the proper documentation stating that it is paid in full. XXXX XXXX  is also trying to collect on this debt. I will attach the {$0.00} balanced receipt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow issues with the Money Source mortgage. 

XXXX county taxes were due XX/XX/2020. Called in Mid XXXX to ensure they have the plan to pay before XX/XX/XXXX. There was a county tax disbursement on XX/XX/XXXX. County did not get the payment. Followed up multiple times with The Money Source, and finally they made another disbursement on XX/XX/XXXX for the same amount. Eventually County records got updated by XX/XX/XXXX, but my Mortgage balance was showing {$4700.00} as escrow advance as the tax amount was deducted 2 times. I was going through a refinance and was getting an incorrect payoff amount from the money source. After multiple followup, they still do not have the double disbursement settled and my refinance ended up with a higher loan amount. My monthly payment is higher by XXXX $ due to this and overall i will end up paying XXXX $ in interest plus the tax amount {$4700.00} overall loss to me not to mention the emotional turmoil of endless calls and the refinance stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Unifin Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received an email from Unifin Inc. about a XXXX XXXX debt ( attached Unifin XXXX ). I have never had a XXXX XXXX account. I called Unifin and verified ( via providing personal information ) that they have the wrong person. I requested they not contact me about this further, since this is not my debt. The person on the phone said they would remove me from contact. 

On XX/XX/2021 I received a 'Second Notice ' from Unifin about this same debt ( attached Unifin 2.eml ). I sent a reply ( attached Re Unifin XXXX ) to the email address listed at the bottom of their email : XXXX I received no response. 

On XX/XX/2021 I received another 'Second Notice ' email from Unifin ( attached Unifin XXXX ). 

I have tried to stop this harassment by contacting them via phone and via email but they refuse to stop harassing me about a debt they know is not mine. I believe they are simply trying to make me pay another person 's debt via annoying emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
I recently reviewed my credit report and I observed that XXXX XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX  to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from 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 2020-07-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Annual check up of my files was unable to get my XXXX XXXX or Equifax report both making all kinds of reasons for not getting past go. Equifax keeps asking questions that do not belong to me and make me think I have Identity problems ( student loans and jewelry loans )? Never had them so i can not get my report. XXXX XXXX on the phone and online, nothing. " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' On the phone was timed out with over and over details ... over and over now have to refer you to another department to do that all over again??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tue, XX/XX/XXXX, XXXX XXXX to XXXX I need two things from you before we get rolling. In writing-no seasoning requirements needed and no current lease. If Cardinal is good with that then I will get moving on signing everything and getting documents to you. 

Thank you sir XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Yes sir so we got the approve eligible when we ran it through the XXXX XXXX so seasoning isnt an issue or it wouldnt of given us a yes as well as no lease is required because you have enough income to own the home just to keep it empty if you wanted to haha but if you have 10 mins right now Ill call so we can get this thing locked in and you dont have to worry about the rate changing tomorrow XXXX XXXX | Loan Originator Inside Sales Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : ( XXXX ) XXXX | XXXX XXXX I received a call stating there are seasoning requirements. They have {$600.00} of my money, not performed what they stated they would and have not returned my calls. Next step is small claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-12-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid a collection account in full to XXXX XXXX XXXX XXXX in the amount of {$1600.00} on XX/XX/2020. The account is still listed on my credit report under collections & does not reflect paid as agreed. I contacted XXXX to ask that it be removed & they would not comply. I have also disputed the information with Experian & provided proof, but it was not updated.

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 2017-09-21
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans holds the mortgage for my principal residence. For unknown reasons, and without notice or explanation, Caliber paid approximately {$14000.00} to XXXX XXXX and the State of Maryland. The property tax bill was only ~ {$2500.00}. No explanation for the egregious over payment has been provided. Instead, Caliber contends that I am responsible for its error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY ANOTHER, ACCORDING TO FCRA COLLECTION/CHARGE-OFF IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. COLLECTION ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE. THESE ARE VIOLATIONS PLEASE REMOVE AND SEND UPDATED REPORT 1.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 2020-11-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EQUIFAX did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of EQUIFAX requesting a sworn affidavit by me the consumer given EXQUIFAX written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. EQUIFAX did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; EQUIFAX has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person XXXX corporation ) are an exclusion as well EQUIFAX has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. EQUIFAX is civilly liable for each action committed against me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I was notified by email that my capital one 360 checking and savings account had been restricted. 
XX/XX/XXXX spoke with an agent from the fraud department who Told me the restrictions were the result of internal flags due to XXXX XXXX loans received in my account in XX/XX/XXXX. The agent stated that I would need to provide proof of my small businesses. I spent Approx 2 hours on the line with the agent answering detailed questions about my two small businesses ( one a farm and the other vehicle repair ). The agent requested tax documents and EIN documents, which I then provided by email on the same day. I was told it would be 48-72 hours until the funds ( approx {$22000.00} ) would be available again, and that I would be contacted if there were additional questions. I re-emailed the same documents on XX/XX/XXXX and XX/XX/XXXX as I had not received a response. It is now many days later and my banking accounts are still restricted. I have no access to my money. I have employees to pay and animal feed to purchase and no response from the bank. I request the back immediately unrestrict my accounts, or send all funds to me by bank check. Capital One is improperly interfering with my money, as I continue to pay interest on my XXXX Emergency loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contact the credit bureaus multiple times in reference to the debt. I have asked them to show me proof of how it was verified and what was obtained. They have ignored me.

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