BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Greetings, I have a CitiBank account with a CitiDouble Cash Credit Card with a rate of APR for purchases 18.99 % ( V ) with a credit line of {$25000.00}. 
I was recently provided an offer they call a Citi Flex Loan, this borrows against my credit and allocates my available credit to a loan in my case a loan of {$5600.00} for a term of 48months at an APR of 6.99 % which would have been 48 monthly payments of {$130.00}. 

I use my credit card for every purchase and make several payments a month to pay off the balance. CitiBank apply all my additional payments to my flex loan and allowed my credit card balance to grow. In one to two months my Loan was nearly paid off, and now has a balance of {$340.00} whereas now my credit card debt has ballooned to over {$5600.00}. 

I called Citibank at least 7 times and they all agreed there was a payment allocation issue and stated that payments above the minimum payment are supposed to be applied to the balance with the greatest interest, however in my case the reverse occurred. Two supervisors also agreed that my payments were not applied properly. 

CitiBank says now they fixed the payment allocation issue with my account and says they can not fix their payment allocation error because they closed the statement cycle. I now have over {$5000.00} in credit card debt accruing 18.99 % interest whereas I had none and have never paid interested in years.

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 2022-08-26
Company: EQUIFAX, INC.
State: NJ
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 am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Equifax and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove accounts and inquiries, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXXXXXX XXXX date opened XXXX, XXXXXXXX XXXX XXXX  date opened XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXXXXXX  Account my rights have been violated 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Credit Adjustments Inc
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter dated XX/XX/18 from Credit Adjustments , Inc regarding defaulted student loan. This was a defaulted student loan to someone with my same first and last ( maiden ) name and it has been following me since the late XXXX though I keep disputing it - I am not the person they seek and I have not defaulted on any student loans. Most recently in XX/XX/2018 I was contacted by the Dept. of Education regarding this loan and as requested I sent them a copy of my social security card and passport to dispute the loan but just a few weeks later I get this letter from Credit Adjustments. About five years ago I was contacted by a different debt collector regarding this loan and after submitting a complaint to the CFPB they stopped contacting me. Debt collectors need to do a better job verifying the people they harass are the actual people they seek.

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 2022-08-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo and its 3rd party service provider, XXXX, have asked me more than 5+ times to provide proof of homeowners insurance on a recently purchased home, going so far as to threaten me with force-placed insurance, which will cost me more and insure me less than the insurance I already have. Despite proving to them on multiple occasions that my apartment is fully insured, they keep asking me for more information. 

I have sent them my past insurance policy info, my current and future policy info, they've even asked for my apartment building 's insurance info. I had to ask my landlord for THEIR insurance policy, all of which I've chased down and handed to Wells Fargo. 

And yet I keep getting threatening letters from Wells Fargo telling me I haven't provided my coverage info, despite the fact that my policy clearly states what dates my home is insured and lists Wells Fargo as an additional insured interest. 

Even before any of this happened, I emailed Wells Fargo back in XXXX 2021 telling them I was changing insurance carriers. Then when they started contacting me in XXXX, I've gone to their website to upload the information, I've sent them emails with my info ( with policy info attached ), I've called their service line, I've even emailed my original mortgage banker to get help. But for whatever reason none of this seems to work and it has been months dealing with this issue. 

Wells Fargo needs to get its mortgage operations in order and find a better way to update and keep current its information so it can stop sending me a deluge of requests. For your convenience, I have attached all my prior written correspondence - you will find at least eight ( 8! ) acknowledgements from Wells Fargo that they have received information from me via their online portal, as well as 3 emails I have sent to them with detailed info enclosed.

As you will see, I already gave them everything they wanted in my first email to them, and yet they keep coming back asking me for repetitive, duplicative requests that clearly reflect a breakdown in their own systems and processes. 

And once again, I am also enclosing proof that I am insured for the period of time they asked for, as well as for the year to come. Please make it stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NY
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:
Experian lists my XXXX home loan as a revolving account credit card. The loan converted five years ago to a mortgage loan with no line of credit. It is now a real estate mortgage of $ XXXX on a $ XXXX house. 
Instead of showing the financial world this $ XXXX untouched equity, Experian reports that I am using over 60 % of my available credit which negatively affects my credit score. 
I have filed a dispute with Experian three times. Experian did not move this account from Revolving Credit to Real Estate accounts. They posted my statement on my report ( which no one reads ) and continued the negative effect on my Credit Score ( which everyone reads ).

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 2019-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX with major health problems. I have had a severe reduction in income and I am struggling to stay afloat. My servicer, SPS, has categorically denied my requests for a mortgage modification. There answer to my reasoning is that my mortgage owner, XXXX XXXX XXXX and the mortgage holder, XXXX Bank does not permit modifications. So if XXXX is still the owner, why would they inform me years ago that my mortgage was being sold to SPS? Where does XXXX Bank fit in this scenario? 
Why is it when I apply to SPS for a modification, I am offered 2 options, " short sale or deed in lieu of foreclosure? Why is SPS so XXXX-bent of me being out of my home? I have lived here 24 years, 6 months! 
I feel as if SPS, supposedly defunct Accredited and XXXX Bank should be included with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, because I believe that have engaged in and continue to engage in a financial crime spree that violates every law and rule imaginable. I feel as if SPS decisions are based on race and finances. These foreclosures are destroying ethnic neighborhoods. There are at least 10 foreclosed properties on my block alone and they want to add my home to the list! These companies refuse to work with a homeowner and prefer to foreclose and wait on an investor, who typically waits until the property sells for pennies on the dollar. I am appalled at the freedom at which these companies operate but then again they are fined and it is back to business as usual ... " Let 's get back to work on finding another unsuspecting XXXX to swindle ''! They are prolific in the crimes and the government seems to be oblivious to it or simply does not care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Applied to CARVANA to further extend my credit to purchase a used XXXX XXXX XXXX XXXX XX/XX/XXXX they are requesting a down payment of {$10000.00}, pursuant to 15 U.S. Code 1662 the down payment the company is requesting is not required unless the creditor agrees to that amount, which I disagree with putting down any amount. CARVANA is civilly, and Criminally Liable for willingly issuing violations/ Failing to disclose accurate information operating under TILA. The Finance charge is the sum of all charges, it does not include a type of payable cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Went to apply for a car and they needed to pull my credit report however due to this action there were many hard inquires.

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 2016-07-26
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have repeatedly requested the FHA MIP be removed from my mortgage since XXXX/XXXX/XXXX when my home loan went below the required 78 % LTV. Everytime I 've requested the removal, I received a denial letter. I requested it again in XXXX XXXX, again receiving a Denial letter. Then, a few weeks later, I received an apology letter stating that the MIP would be removed. I requested that the repay the MIP amount that I had paid since the first request in XXXX/XXXX/XXXX, that was denied. So, they have now removed the MIP, but I was forced to pay it for a year beyond what was necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing you file an official complaint against Carrington Mortgage Services this company is misappropriating funds in an attempt to foreclose on my home. All the information that I have received from this company is inaccurate and when I contact the customer service office, I receive several different responses none which addresses the question at hand. 
They are claiming of nonpayment of mortgage this is false listed on my payment history and my credit report. The information they have listed is invalid and not true. And Im requesting that they stop reporting this false information. They took over my loan in XX/XX/2019 and I have not missed one payment. They have created fraudulent charges to my account in order to justify their unethical practices theyve add to my account, property inspection fees, ( not performed ), late fees, ( not late ) applied mortgage payment to escrow and more. All in an attempt to defraud me and illegally foreclose on my property through fraudulent means. Attached you will find copies of checks for my mortgage that have cleared ( paid ) by my bank. I am not behind in my payment and should not be receiving threatening notices regarding foreclosure, I am seeking a remedy that would stop the threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both XXXX  & Experian with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX  XXXX XXXX  ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC 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 2022-08-26
Company: CITIBANK, N.A.
State: CA
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:
There were 3 payments of {$790.00} to be made. The first payment was made with my XXXX credit account and has already been credited ( XXXX case no. XXXX XXXX Second payment and last because membership has been cancelled, was made through XXXX using my Citi Costco account. I have contacted both XXXX and Citi and they are just giving me the run around. I don't understand as XXXX credited the first payment and now this second one is just a nightmare. The service I purchased is supposed to be a step by step XXXX XXXX  that is way to expensive to begin with for what they promise. It is from last year, outdated big time and requires way more money than what was outlined for the business. The tools needed are way more expensive also. In total this is a waste of time and money. They are selling something that can easily be found on XXXX and their promise was that by purchasing this I was getting something no one else knew about.

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 2022-08-26
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have already filed complaint against Bank of America because of fraud and a scam on BOA phone app concerning XXXX. I have gotten a resonse from BOA apparently BOA thinks that I am not a victim of fraud or a scam, because my complaint was denied. What happened to Regulation E

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 2018-12-18
Company: U.S. BANCORP
State: NJ
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:
I notice on XX/XX/XXXX, that US Bank were charging an Annual Fee, the Bank claims my card has annual membership fee {$49.00}. I contacted bank regarding such fees. I stated, I show no record of signing any such agreement with US Bank. I requested a copy of original credit card application executed on or about XX/XX/XXXX, the banks representative refuses to provided copy of same with my signature demonstrating the terms and condition I agreed regarding such fees for {$49.00} Annual Fee. I stated all my current cards are no fees, I requested to speak with a manager or supervisor, the representative refuse claiming she is the manager. I would never agree to a credit card terms and condition with annual fees. Such terms should be disclosed in writing on the credit card application or promotions.

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 2022-08-26
Company: EQUIFAX, INC.
State: MD
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 have asked the credit bureaus to do Theral review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the Theral research. Account # XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX account # has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions. 
this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I received an alert for an unauthorized transaction from Affirm for {$740.00} and a down payment has been taken from my checking account tied to my Affirm account for {$140.00}. Ive made an attempt on multiple occasions to dispute it with Affirm and have gotten no response and instead a denied dispute decision and they would add detail without informing me that I needed to provide proof for the dispute. Ive contacting the merchant XXXX and was told that only Affirm can handle fraudulent charges. I sent over that conversation to Affirm and was still denied. How can I further proof for a transaction that I didnt make. They have been messing with my name and my credit since XXXX and contacting them never seems to work. 

Loan ID : XXXX Disputes : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX Ive called them on multiple occasions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax deleted an item off of my credit but then did violation of removing then adding the account back as a New account. Which is false. Hopefully this doesn't happen to no one else with Equifax trying to take advantage innocent people. Thank you for read and helping me resolve this matter. The proof is in upload session.

Company response to consumer: Closed with explanation