BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: CITIBANK, N.A.
State: NM
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX : Citibank alerted me via phone to possible fraudulent activity on my card. 

XXXX XXXX : Working with Citibank, I closed my credit card. 

XXXX XXXX : Citibank issued a new card on the account and sent it to an incorrect address, despite my speaking with 2 fraud department specialists and providing the correct mailing address. The representatives both said they were sending it XXXX to the address I requested ( which address is in my account records. ) XXXX XXXX : I notified Citibank via phone that they sent the card to one of my home addresses where I would not be present until a month from this date. 

XXXX XXXX : I was able to have a neighbor retrieve the XXXX envelope and put it inside my home for safe-keeping. 

XXXX XXXX : Citibank arbitrarily locked me out of my account ( I have 3 credit cards with them and a website that I have used for many years to get paperless statements and pay my bills ( which are on autopay, I pay my balances timely every month ) ). 

XXXX XXXX : After much time spent on the phone with Citibank, my web account was unlocked and I could access it. No reason was provided why Citibank had locked me out. My password and user name were/are correct. 

XXXX XXXX : I receive a statement notice ( for XXXX XXXX billing cycle ) on the closed card via an email. There was a very large balance due. 

XXXX XXXX : When I try to access my paperless statement for both the closed card number and under the new card number, the website says I am not permitted to see the statement. 

XXXX XXXX : After numerous phone calls and online chat, the issue is not resolved. I can not see my bill or my transactions. 

XXXX XXXX : I request a paper bill, and Citibank insists on sending it to an address on my account where I am not present. 

Note : I have two physical addresses listed on my account, and have had these two addresses since XXXX. I live physically in two different places during different times of the year. 

Note : I have provided all the security information needed. 

Note : These are mature accounts that are paid in full timely every billing cycle. 

Note : My credit card was not lost or stolen. 

Note : I take strict means to protect my identity and online billing information. 

Note : In my opinion, this problem ( Citibank 's failure to provide me with an accounting of charges during a period of fraudulent activity ) is due to customer service representatives following a script that is not able to respond to specific situations. 

Note : It seems wrong to require payment for services and goods without providing a timely and accurate accounting.

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 2019-04-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A previously disputed collection account has been reinserted into my Equifax credit file with the following names : Collection Service of XXXX, also listed as XXXX , XXXX, also listed as " XXXX and account number XXXXXXX ''. This collection was successfully disputed and removed has been reinserted into my Equifax credit report. The collection account was reinserted between XX/XX/2019 and early XX/XX/2019. I have copies of my credit report from XX/XX/2019 and I pulled another version today because I applied for a mortgage loan a few days ago and was informed that there was a collection in my report! This has caused me to NOT be preapproved for the mortgage for which I applied. I was not notified that this collection account was being reinserted to my credit file which removed my right to dispute the information before reinserting a derogatory account into my credit file, pursuant to FCRA 611 ( 15 U.S.C. 1681I ). It is my belief that this reinsertion is a willful and deliberate act by Equifax to cause harm to my credit file and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
was laid off back in early 2016 I contact my mortgage lender Ditech LLC to talk to them about my current situation. I work in the XXXX as a XXXX and was on a temporary furlow. I read in Ditech 's paperwork that they work with clients in situations where they need temporary assistance. When I contacted them I was told there were no such options for me. I was put in contact with at least 14 different representatives to no avail. All I wanted to do was rectify the situation and get back on track. They pushed me further behind in payments because they kept switching me to different departments/people. I think this is a tactic to put you into foreclosure. I hired a lawyer to help me with the situation and I was then given a loan modification. I did not sign the paperwork because of the terms and when I tried contacting the person on the paperwork they never called me back - at least 12 messages. I did not want to sign something that was given to me that in the letter is clearly stated if any questions before signing contact so and so. 

After paying for help they continually pushed me further behind asking for proof that I was back to work I showed 12 months of paystubs and they came back with a determination that the hardship was not satisfied. The hardship was absolutely temporary and resolved. I just want to pay my mortgage we are a family of XXXX and I work in a XXXX XXXX in NJ. Upstanding citizen and I find it very unfair that Ditech states unfactual documents about my situation!! 

Please any help is needed to resolve this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: MD
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:
A few years ago our mortgage was purchased by XXXX XXXX. Since then we've had nothing but trouble. We got a few payments behind and caught up only to have them keep charging us strange fees to " keep us in the hole. '' As of now, they are showing that the last payment made was in XX/XX/2019, which shows on my credit report as 30-59 days late, which is dragging my score down. I have made both XXXX and XXXX 's payment but XXXX refuses to update that information. I have a print out from XXXX 's own site showing those payments were made as well as statements from my bank showing those payments were made. I have read through hundreds of complaints online about the same things happening to other people. This company needs to be investigated and shut down. In the meantime, I simply want my payment information reported accurately. This company will find anyway to keep collecting more money from you or to ruin your ability to refinance with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-29
Company: American Student Assistance
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 following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2019-04-10
Company: JH Portfolio Debt Equities, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Called multiple times and not one return call. Bankruptcy was discharged and they have refused to comply with removing from credit report. NOTHING -NO ACTION NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
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:
On Thursday XX/XX/XXXX I went into the XXXX store because I was to take part in a XXXX XXXX by what I believed was a legitimate company by the name of the XXXX XXXX. They sent me a check in which I deposited into my BBVA account on Monday XX/XX/XXXX for a total of {$2900.00}. BBVA compass informed me that they were going to put a hold on the check to determine if the check was good and if so the funds would be available on Wednesday XX/XX/XXXX. On Wednesday XX/XX/XXXX it showed in my BBVA Compass Account that the funds were there and so on Thursday XX/XX/XXXX I  proceeded to do the job I was assigned to do and went to the XXXX store in XXXX Arizona located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX that stores telephone number is XXXX. Unfortunately to my surprise I was a victim of Fraud orchestrated by some scammers that made up a phony check, phony business, and ultimately got away with {$2600.00} dollars of my money in which {$600.00} dollars was taken from my bbva credit card and {$410.00} from my BBVA debit card. The remaining balance of {$1500.00} was taken from my debit card from another financial institution XXXX XXXX XXXX XXXX. I would like my money refunded back into my bbva compass account because I feel they are liable for making the funds available when I made it clear to them that I had no knowledge if the check was legitimate and if it was not then please let me know so I could report these scammers to the proper authorities and not have lost my hard earned money. I have called XXXX, the financial institutions involved and have provided proof and they have told me that they can't do anything about this in refunded me my money. The truth is if BBVA Compass bank would've never cleared the check I wouldn't be in this predicament.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Shellpoint Partners, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 I was informed by my tenant and then verified by the US Postal Office that XXXX XXXX XXXX XXXX and all previous Trustees have been illegally sending my personal financial information to a Mrs. XXXX located at XXXX WA XXXX. 

We have checked and verified with the postal service that this has been occurring for a few years now, even before XXXX XXXX XXXX XXXX was called XXXX XXXX etc ... so this company has been sending my private information out to this party ( XXXX XXXX ) and who knows whom else for years now and I am demanding that this privacy breech stop NOW! 

Ms XXXX has also verified that she has been receiving our personal financial documents, letters, Notices etc for years as well! 

She has used and is currently using my personal financial information to interfere with my landlord/tenant business relationship as well as harass and intimidate me and my tenants in order to get me to walk away from a modification so she can purchase my property at a foreclosure sale for a cheap price! The illegal actions of both Shellpoint Mortgage Servicing and their trustees have caused me severe financial difficulties and now I am facing a XX/XX/2019 sale date in order to go through with Ms XXXX threats as she is working with these companies to interfere with my legal rights for a modification. This person is a licensed real estate agent and should also be held to state and federal laws that are being broken to commit these fraudulent crimes!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I filed complaint against Ability Recovery Service, who was representing XXXX University. ( # XXXX ). I had paid them {$2400.00} of {$2900.00} for a debt owed to XXXX University. They were reporting my payments wrong to XXXX and to the credit bureaus. At the time of filing the complaint I only owed them {$570.00}. On XX/XX/2020, I paid {$230.00}. On XXXX XXXX, I paid {$230.00}. I paid {$100.00} on XX/XX/2020. That is a total of {$570.00} dollar, which is all that I owed. They are now telling me that I owe them {$50.00} and refuse to credit my account as Paid in Full and correct my credit report. The bill stated that I owed them {$2900.00} dollars and that is what I paid them. I am not paying them any more money. I have attached Complaint XXXX, the original letter I received with the amount of debt owed, and a screen shot of the payments made since the last complaint to prove that the account is paid in full.

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 2021-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CRA IS IN VIOLATION OF SEVERAL CONSUMER PROTECTION LAWS, FCRA, FDCPA, FRANK DODD ACT, METRO 2 COMPLIANCE ETC ...

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 2020-08-26
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In review of my credit file, I noticed a debt in the amount of {$260.00} from CBS collection company with the original creditor being XXXX XXXX XXXX XXXX. I mailed a debt validation letter on XX/XX/20 through certified mail but have not received a reply from said collection agency.

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 2018-12-09
Company: General Motors Financial Company, Inc.
State: AE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I submitted previous complaints to CFPB outlining the unethical behavior of GM Financial in handling my termination of car lease. GM Financial has not addressed any of the core issues associated with my complaint. CFPB terminated both complaints for some unknown reason. Request resolution of my complaint. Most recent correspondence to GM Financial is attached for your reference. Thanks for your assistance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: PA
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: Other problem getting your report or credit score

Complaint:
The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint. 

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at Experian, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. Please help!

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 2020-10-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is in response to lack of recourse from an ATM deposit made on XX/XX/XXXX in the amount of {$1900.00}. A deduction in the same amount was made on XX/XX/XXXX. Furthermore, a overdraft fee was levied on XX/XX/XXXX in the amount of {$35.00} and a maintenance fee of {$15.00} was levied XX/XX/XXXX. 

This incident is a repeat occurrence from a deposit back on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
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: Account information incorrect

Complaint:
XXXX / XXXX XXXX is reporting inaccurate information on my credit report. We have a hardship agreement in place since XX/XX/XXXX XX/XX/XXXX and in addition, we have a new hardship agreement in place in XX/XX/XXXX for one year.

According to the Cares Act, they are not to report any damaging payment history that would hurt my credit if our account has been modified, which includes a hardship agreement since XX/XX/XXXX for one year and again in XX/XX/XXXX. We have agreed for a reduced payment and paid while under the hardship agreement. We have also caught up-to-date and now paying more than full payments since XX/XX/XXXX without missing any payments. XXXX is aware of this issue and promises to correct the payment history. In addition, XXXX said to dispute with the credit bureaus, and they will correct with no late payment history. Please correct the payment history as paid-as-agreed and Current on payments in the payment history as agreed to by law.

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 2018-12-09
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: Information belongs to someone else

Complaint:
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Experian, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, ( Original Creditor : ) 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