BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX, I sold my house in XXXX XXXX, CA. It had been in pre-foreclosure because I had fallen behind on my payments. However, it never got to foreclosure status. The house was a regular sale from which proceeds were received. I have the deed of sale indicating such, where my name - not a banks name - is on the signature line. The issue is that this was recorded to the credit bureaus as a foreclosure which has damaged my credit and impeded my ability to purchase a home. At some point between the time of sale and now, the financial institution with whom I had had my mortgage, XXXX XXXX XXXX, was acquired by Nation Star Mortgage ( d/b/a XXXX XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX via recorded telephone conversation advising of this error. I was told that within 6 weeks I would get a response. On XX/XX/XXXX, I received a response from XXXX XXXX in which they state they conducted an investigation and determined that the account was paid in full and that there were no errors found in my credit history and therefore a credit correction was not necessary. This was not the nature of my inquiry. No one is disputing that the account was paid in full, as that is public record. Im disputing the fact that it was recorded as a foreclosure and is flagged as such by the bureaus on my credit report. I made two subsequent phone calls to XXXX XXXX in attempt to further clarify my position. I was told that theres nothing they could do because XXXX XXXX XXXX is defunct, and they recorded the account as closed, paid in full. Since XXXX XXXX Mortgage acquired XXXX XXXX XXXX, they also acquired the burden of correction in addressing issues such as this, which have a direct negative impact on the consumer. Im not sure if its laziness or incompetence but I have a feeling its equal parts. I need my credit report to reflect the sale of my home correctly, and not as a foreclosure. I would also like to be advised of my litigation options, as at this point I believe there are damages to recoup.

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 2018-04-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fees for cash advances on Citi Credit Cards. 
I took out a cash advance of {$2600.00} for 3 days against my Citi Platinum Select Card for which Citi charged a flat fee of 5 % and in addition interest of 26.99 % APR. I was fine with the interest charge, but charging a flat fee of 5 % on top of that was unexpected and not properly disclosed. In addition, this 5 % fee amounts to a 608.33 % APR (! ) which is higher than even most payday lender would charge for this ( also for reference my FICO is 780+ ).

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 2022-08-10
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:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX : # XXXX : This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2019-01-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have attempted over the last year to come up with a payment plan that I can afford for my private student loans with navient to no avail. Earlier in XX/XX/XXXX they were harassing me with multiple phone calls daily and when I had gotten in touch with them they would suggest a monthly payment that I couldn't possibly afford resulting in a delinquent account. I'd be quoted a monthly repayment one day and 2 days later it would be something totally different. This went on for months. In XX/XX/XXXX we finally agreed to {$230.00} monthly payment which I have been struggling but nevertheless making. I'm now told that my payment will increase beginning in XX/XX/XXXX. I have called them and they are unwilling to work with me on a plan that I can afford. They seem to have a nonchalant attitude. I want it to be clear that I'm not shying away from the responsibility of my private loans. I do have Federal loans which is also in repayment based on my income. But their customer service is at best poor and they way I've been treated is atrocious. Not certain if they treat all their customers the same way or just those with immigrant names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: ACIMA CREDIT, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/2021, I was made aware that I owed XXXX XXXX  {$1000.00}. I contacted XXXX XXXX  corporate office to settle my debt. I spoke with a representative XXXX XXXX and he stated that if I paid {$800.00} it would settle my debt with XXXX XXXX. The {$800.00} was paid and a letter was emailed with the account number to me stating that the bill was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX XXXX XXXX : # XXXX : This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX XXXX  XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2019-05-13
Company: SYNCHRONY FINANCIAL
State: AZ
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 paid XXXX to my XXXX XXXX credit card in XX/XX/XXXX. This was supposed to pay off my card and the company was supposed to remove numerous late fees due to them mailing things to the wrong address and I was not able to get the online login to work. Now they have sent the account to XXXX XXXX and when I disputed it XXXX forwarded me a statement from XX/XX/XXXX. There were no purchases made after the payment in XX/XX/XXXX as I was told the account was closed. They have now been erroneously reporting this and destroying my credit score as this is the ONLY negative account. I am herby demanding that this be removed from my credit report with a credit blast occurring that shows it PAID IN XX/XX/XXXX. 

Thank you

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.

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 2020-02-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have evidence which will identify that I have had the crime of fraud against me as well as other detailed felonies. 

Please refer to the attached documentation that goes into detail about the fraud that I have been a victim of by : XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX, And subsidiaries : Saxon Mortgage Company, Mortgage Electronic Registration Systems, Ocwen Loan Servicing and PHH Mortgage/ PHH Corporation I am a victim of identity theft. My unique signature has been forged in two different forms. One on the Mortgage note and the other form on the Mortgage Documents. 

Given that the Bank has chosen to mail these fraudulent document, it is also mail fraud. 

I have fought this case Under Index # XXXX/XX/XX/XXXX Supreme Court / XXXX County/ New York This case could not move forward and the Bank sold this debt to Ocwen Loan Servicing and they indicated another action under Index # XXXX/XX/XX/XXXX. 

I have attached all of the documents that will back up the identity theft, forgery, mail fraud and misrepresented documents to the Court.

The Bank and Subs willfully mislead the Bank with false and inaccurate documents.

Please review the attached. There has been 3,072 cases of Mortgage Fraud reported against this Bank and or its subsidiaries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with them that the account is not mine. I'm in my 2nd round of disputes currently and they still have provided me an original copy of a bill. Nothing with my signature on it, a copy of my hippa form or anything to prove account is mine. They sent a copy of a document that is not an original bill, proof that have the right to collect this debt and copies of my signature with HIPAA form. They are clearly in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: National Check Resolution Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NCR which is the debt collection agency that handles the XXXX XXXX   XXXX XXXX in XXXX va  keeps callins me while I am at work after I spoke to a representative on Friday XX/XX/2019 to call me on XX/XX/2019 at XXXX and not 2 times before that time. they have been harassing for the past 7 months. I specifically told them that I can pay XXXX a month to help settle the debt but, they are still threatening legal action. I had a baby in XX/XX/XXXX and they was calling me then being very rude and nasty and I am sick of it and will be pursuing legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to fix this as whoever did this had used mine and my wifes info and we are very upset as we have dealt with this issue so long and the have done a charge off but it is still on our report and making problems, my wife and i have always paid everything and not sure what is going on help us get this removed from our 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 2022-03-29
Company: Experian Information Solutions Inc.
State: MO
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:
My ex wife took my credit card and put XXXX dollars on it without my knowledge.

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 2019-01-31
Company: Mitsubishi Motors North America, 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:
My sister in law lease a XXXX XXXX XXXX with Mitsubishi Motors Credit of America , Inc . I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/XXXX she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from Mitsubishi Motors/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. Mitsubishi Motors Credit of America has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/XXXX and that it was financed by XXXX  XXXX/XXXX and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and Mitsubishi Motors Credit of America are not the same company and are not related. They also told me that I had to contact XXXX XXXX/XXXX and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX XXXX and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/XXXX ( account is current ) and yet Mitsubishi Motors Credit of America is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: MARINER FINANCE, LLC
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:
This company placed an inquiry on my equifax report twice without my consent, while this inquiry was removed from XXXX  due to fraudulently using my information such as social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a company attempting to collect a debt from me, but they keep changing the dates as to when the debt was opened in an attempt to never have the debt removed from my credit report. They will pull the debt from my credit and then replace it with a new date that it was opened!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08
Company: Netspend Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The XXXX XXXX trying to redeem the funds and I've been receiving payment Via email but the funds aren't in my XXXX account

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 2021-12-02
Company: MECHANICS BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX i called my auto loan bank and was told that due to principal balance low i would have to pay it off so it will not go against my credit. I agreed but I had late fees of {$840.00}. Agent on the phone agreed to remove {$100.00} late charge if i paid the {$1000.00} on XX/XX/21 so I did online and once it went thru i called back and advise I had done it. Agent told me that the department that moves funds were not there so they could not payoff my loan. I waited XXXX weeks and called back and they still have not fixed it. I spoke to a supervisor and promised it will get fixed but its on week XXXX and still has not gotten updated. Every time i call, I get advise im past due over 60 days. Today XX/XX/21 I called and requested a supervisor as it is not fixed yet. They stated there was not supervisor on the floor to assist and they hung up on me. I called back and got same answer. So its been almost a month and they can not pay my loan off as agreed and my credit is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a customer of Citibank for years. I have several credit cards and a checking account. Due to having a credit card first/prior I regularly receive promotions to open up bank accounts for cash bonuses with Citi ( I do not recall whether I utilized a provided link from my online banking with them, from an email from them or a website link/offer on their site ( we would have to ask them ). In early 2022, I took advantage of one of their offers and deposited {$15000.00} into a checking account. I opened up the account online. I did not receive any confirmation email or letter of my coming bonus, so several months after opening the account, I called Citi and confirmed verbally and on a recorded line ( Im sure ), that : 1 ) I had completed the required steps to receive the {$300.00} bonus 2 ) That my {$300.00} bonus would be deposited into my account at the end me of XX/XX/2022 ( My account is still open with exactly $ XXXX sitting in it ). 
I gave it some some time after not receiving anything in XXXX, and I believe I started reaching out toward the end of XXXX. I have now spent hours ( my estimate is about 7 hours ), either on hold or speaking with representatives and supervisors. I have made many calls at different times. I have often been disconnected after being placed on hold ( it seems like they hang up on you purposefully because they dont want to deal with you ). They have NO record of me ever getting a bonus and are asking my for proof, which they did not provide. I have had $ XXXX sitting in a non interest bearing checking account for 7 months ( which I took from an interest bearing savings elsewhere ), and so I am now out the {$300.00} that Citi is cheating me out of and I lost out in 7 months of interest in a high yield savings account with XXXX. I feel cheated and disrespected. I called a branch last week and left a detailed message with an employee and was told I would get a call back that day or the next by a banker that could help. I never heard back, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax states that it needs a several digit PIN for me to unfreeze my credit report ; they never sent me one and I need my report unfrozen ASAP.

Company response to consumer: Closed with non-monetary relief