BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage at Washington Federal Bank ( WAFD ). I was refinancing with another lender, and knew the re-fi would close in early XXXX. On XX/XX/XXXX, I called WAFD, spoke to XXXX, and asked to have my auto-pay cancelled. He said it would be suspended for one month, in case the re-fi did not close. 

The re-fi closed on XX/XX/XXXX, and WAFD was paid in full ; they processed the funds on XX/XX/XXXX. But also on XX/XX/XXXX, my payment of {$820.00} was deducted from my account at XXXX. I called that same day, spoke to XXXX, and asked to have the funds returned to my XXXX account that day. She said she would notify the loan department. She confirmed my automatic payment HAD been suspended. 

Monday, XX/XX/XXXX, the money was not in my account, so I called XXXX again. Spoke to XXXX ; he talked to XXXX, who said she would contact loan servicing again and call me back. 

Wed., XX/XX/XXXX. No call from XXXX. Called again, talked to XXXX. XXXX was not in, but he read her notes. Said WAFD was mailing me a check for {$900.00} ( est ). I said I did not want to wait a week for a check ; I want the money back in my account at XXXX. He said XXXX would call me this afternoon. 

I believe WAFD has acted recklessly, with no regard for how their actions ( unauthorized withdrawal of funds ) affect people 's lives. The money should have been immediately returned to 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 2020-02-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2019, I received a promotional offer from Citibank offering me {$500.00} when I opened a new Citibank checking account and deposited {$15000.00} within 30 days and kept it in for 60 days. 

This was the link I was given in order to sign up for the checking account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached screenshot of the promotion I was given by Citibank. 

I then signed up for the checking account directly from this link and followed all of the instructions as given - I even checked with Citibank chat support and confirmed that the promotion was linked to my checking account, and that I just had to wait 90 more days after maintaining the initial 60 day minimum balance in order to see the {$500.00} arrive in my checking account. 

Last week, imagine my surprise and extreme frustration when I was told that there is now NO promotion linked to the checking account I created, and that there is no bonus to be received. Please escalate and validate/make things right here, as I have placed too much money into a checking account for too long to be receiving literally nothing for it due to a mistake from Citibank 's side.

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 2020-02-21
Company: Experian Information Solutions Inc.
State: AR
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 identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$840.00} XXXX XXXX XXXX {$790.00}

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 2019-01-26
Company: Veros Credit, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Veros Credit collections called me looking for my son. The agent misrepresented herself as law enforcement, said they were " investigating my son '' and that I " could be an accomplice ''. She refused to identify either herself or her company, and she provided information about my son 's debt without verifying whether I had any sort of permission to have access to personal financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent 2 separate letters on XX/XX/2021 and XX/XX/2021 to MRS BPO LLC to validate an account that they alleged that I owe. There was no response. As a consumer I have the right to request verification/validation of account and this company is violating my rights This company is reporting a XXXX XXXX account that is not valid. Theres a lot of information that is reporting inaccurately on all 3 credit bureaus. This is a violation under the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, opened checking and saving accounts at Citibank, deposited {$1000.00} to checking account, {$50000.00} to saving account. 

On XX/XX/XXXX XXXX, found my all money was withdrawn by someone without my permission on XXXX XXXX. 

Called the bank many times, nobody told me what was happened and where is my money, they always told me they would check and then hang up my phone. 

One month was passed after my money was gone, Citibank didn't call me, email me or letter me. I called, but they can not give me the answer.

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion keep putting inaccurate employment information on my credit report. XXXX XXXX XXXX as employer incorrect. I want it 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 2021-03-10
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX collection referencing XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

1. Addendum 1 : Request To Set Case For Trial dated XX/XX/XXXX. Please refer to the highlighted section on page 2 of 2.

2. Addendum 2 : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX. 

3. Addendum 3 : After Court Judgment dated on XX/XX/XXXX. Please refer to the highlighted section on page 1 of 2. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the Plaintiff XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, and thus should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
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:
In XX/XX/XXXX I pulled my credit report from Experian and noticed an account listed as " Joint Account '' for XXXX XXXX. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with XXXX XXXX. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to Experian asking them to investigate this account because I am sure I never opened the account. Received the Experian response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.

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 2021-03-25
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was four days late with my payment. Navient contacted me. I told them I would pay at the end of the month-still within 24 days of due date. I told the rep to stop calling and I would take care of it. The calls continue. Five times a day at my home number and my cell number XXXX. I emailed and they responded that they would note my account, and the calls would stop. Instead I am getting more calls at both my home and cell phone numbers. I have paid them over {$85000.00} over the past 30 years and they intend to get another {$75000.00} over the next twelve years even though the original loans from the XXXX equal less than {$35000.00}. I told them they may legally have me enslaved to pay them over {$150000.00} for a {$35000.00} loan ( the actual money I had and used ) due to compound interest and rewriting my original loans into a consolidation, but I have a right to not be harassed. I want them to stop calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
a couple months ago Chime closed my account without notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was need I sent that information immediately. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. can they just take my hard earned money like that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 i seen an account on my credit report from a company called TITAN RECEIVABLES, INC account number XXXX and noticed that this account did not look familiar to me and did some research which this account does not belong to me and is the result of Identity theft. I have have applied for any type of auto loan with this company nor have i have given anyone permission to obtain a loan or vehicle there. please see attached supporting documents to delete this account from my credit immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-03-25
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: Account information incorrect

Complaint:
My issues is with XXXX XXXX, Equifax, XXXX and XXXX. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and Equifax is showing that the account is open with Current payments after being charged off. 
XXXX I requested that Equifax XXXX XXXX and XXXX remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, Equifax has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$1600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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:
My issues is with XXXX XXXX, XXXX XXXX  and Transunion. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and XXXX  is showing that the account is open with Current payments after being charged off. 
XXXX I requested that XXXX XXXX XXXX and Transunion remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, XXXX has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.

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 2021-03-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a reply from you stay in that my verification on my credit report was frivolous. I assure you that in no way do I consider a matter of such importance to me as frivolous or a relevant. In fact they did not honor my original request to verify in remove the XXXX inquiries all my credit report that are unknown to me. I will list below all of the hard inquires any of them that I do not hold an account with and that are over 30 days old and that are duplicates I am asking for them to be removed. It is inaccurate and it is incomplete and it is a very serious error that you are reporting, and its effecting my credit. The following information therefore needs to be reinvestigated I respectfully request to be provided proof a di alleged investigation and I have these items listed deleted from my report as soon as possible UNKNOWN INFORMATION NEVER DID BUSINESS WITH THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX BXXXX 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