BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX XXXXXXXX XXXX XXXX is reporting, consumer dispute 90 days late /closed. Instead of paid off.

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 2021-11-29
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: Personal information incorrect

Complaint:
I pulled my credit report and i found outdated and incorrect information. I am attaching a letter for my profile to be updated correctly. My family has a lot of like information and I am concerned thst my credit report is being merged with someone else 's.

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 2020-11-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a re-occuring issue with Barclay 's Bank of Delaware. I have 3 cards with them : 1 ) a Barclays Credit Card 2 ) a XXXX XXXX Credit Card 3 ) a Wyndham Rewards Card I have had them for some time. I have always paid more the minimum due each month and have been attempting to pay down on all of the cards. What is irritating is Multiple times after I pay my bills, sometime with a significant amount, they will reduce my upper credit limit. My main concern is that the FICO score is based on the percentage of utilization of available credit. So when I pay down to try to reduce my utilization, Barclay 's will zap my credit limit down, with has the effect of lowering my FICO score.. Although I do have a high ratio on credit limit to balances, my debt is only about 25 % compared to my total income.

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 2023-11-03
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/, I called Citibank regarding my checking account ending in XXXX and informed that my account had previously been closed ( without my consent ). I was told that the remaining funds of {$1000.00} would be returned to me via check within 14 business days, and was given a reference number of XXXX regarding this call. I was told that a check had for these funds had previously been issued but I never received it. I confirmed my mailing address to receive the check and was informed the previous check would be cancelled and a new one issued. 

On XX/XX/, I called Citibank again as I still had not received the check for my funds. I confirmed my address again, and was told my check was not issued because they had not received feedback on this request. I asked what feedback Citibank needed to receive from themselves regarding my account that they unilaterally closed, and was given incoherent responses and told to visit a local branch.

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 monetary relief
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property on XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio requirement. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The process was horrific. Having endured a heart wrenching, lengthy process and submitting volumes of documents, in the end Nationstar foreclosed on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also Transunion is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Transunion- XXXXXXXX XXXX XXXX  IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME

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 2018-03-06
Company: Commonwealth Financial Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not owe this debit, I requested written validation of debit from the company and received no information.

Collection accounts was added to my credit bureau only as an attempt of intimidation and with out any notification of claimed debit as a aggressive tactics to pay a debit that is not mine.

I was notifified by my alert system Of collections 3 weeks ago In the amounts {$1200.00}, {$120.00} and other {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Customer service and spoke with a represitative and a supervisor at Transunion and they would not help take care of the negative inquiries reported on my credit report they were very dismissive and rude.

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 2021-05-19
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX account listed under XXXX XXXX XXXX Account # XXXX Balance : {$140.00} This account does not belong to me. 
I have disputed this account several times with Experian Credit Agency, an they have yet to respond to my disputes.

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 2018-09-25
Company: ALLY FINANCIAL INC.
State: CO
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:
In XXXX of 2016 we were in a no-fault traffic accident in our vehicle which was declared a total loss. My insurance company paid off the majority of the loan ( approx $ XXXX XXXX and it took a couple more weeks for the gap insurance to pay the remaining balance. Once the gap insurance paid the remaining balance, there was approx {$1100.00} left over. We were 60 days late paying this and requested assistance from their XXXX department but was blown off and made it too difficult to contact back. We paid off every penny within a couple months of the accident but this was reported as being written off as a repossession. I disputed this with XXXX ( # XXXX XXXX but now it still shows that $ 600+ was written off and thats how they reported it. We sent this payment then found out after the fact themat they wrote it off. I dont know if they reported the entire amount to the XXXX as a credit but this is wrong. I am unable to purchase a vehicle because the banks look at this as a repo. I have called and asked them for a payment history but I have still not received it.

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 2015-07-24
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
LOAN # NATIONS STAR. XXXX My bank wo n't respond to a short sale that has been in the process for over three years. They ignore request from my laywer, realitor .and me for an up or down decesion. they reply it in underwritng for the past three years We have submitted hundreds of douuments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX in which they claim to have reviewed their records and refused to remove from my record derogatory information they provided the credit bureaus. This in spite of records from my bank statements listing dates of payment that show I have never been late with my payments due on the XXXX of each month. I also provided to them the court document showing payments for the automobile in question were never part of a Chapter XXXX as they reported. ( see attachments ).  Consequently, I must now ask my attorney for legal advice on how to proceed.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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:
on XX/XX/2022 i spoke with XXXX on behalf of equifax Id # XXXX. she refused to accept my passport card and ftc report to have fraudulent accounts removed and said she would only do so if i sent my social security card in to them which i said was personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CITIBANK, N.A.
State: NY
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 XX/XX/XXXX, I opened a dispute with Citibank over a {$1000.00} charge by a merchant. The merchant did not provide the services paid for. I sent Citibank all the necessary evidence showing what was agreed on and paid for, and proof that such services were not received. Citibank marked the dispute resolved in merchant 's favor on XX/XX/XXXX, one day after they received the merchant 's response without proof of rebuttal, stating that the reason was a lack of credit slip showing that merchant agreed to credit me back. However I opened the dispute in the first place exactly because the merchant refused to communicate regarding a refund, which is a prerequisite for XXXX customer disputes. I called Citibank dispute department multiple times and multiple representatives there have told me various different things. For example, on XX/XX/XXXX, I was told that a referral had been submitted to the investigation team to consider re-opening the case and that'd I'd get a response within 5 - 7 days. On XX/XX/XXXX, with no response, I spoke to another representative who re-submitted the request and guaranteed a response within 24 - 48 hours. On XX/XX/XXXX, still with no response, I called again and they told me I'd get a response within 7 - 10 business days. On XX/XX/XXXX, still with no response, I called once again and representatives XXXX and XXXX both told me that they put in a request for manager callback for me and a dispute department manager would call me back within 24 hours. 24 hours later on XX/XX/XXXX, XXXX no response, I called Citi dispute back again and finally got a manager, XXXX, on the phone. Surprisingly she told me that the dispute case is still open ( contrary to what everyone else has said previously and what shows up on my Citi online account ), and that I have until XX/XX/XXXX to provide the credit slip or any additional evidence. She acknowledged that services paid for were not rendered, but reiterated that a credit slip was necessary for Citibank to continue the investigation. 

Citibank 's frequent delays and inability to actually investigate the case and issue a chargeback on the merchant while they all necessary evidence are unacceptable. Closing / stopping the dispute because of lack of credit slip is in itself contradictory to the purpose of credit card disputes. This is against Mastercard International Rule for " Goods or Services Not Provided '' under code 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 2023-02-01
Company: Experian Information Solutions Inc.
State: NM
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Filed a complaint ( see attached 1 ) with XXXX and Capital one came back and said that they have resolved the problem ( see attached 2 ). Tried logging in and still the same issue as before ( see attached 3,4,5 ). There was a phone number to call if I had any problems and I did and got a voice mail, no one ever called back either. I am sick and tired of this company holding my account hostage for no apparent reason. As previously stated, this is the only company that says my phone is not in my name, a XXXX or XXXX phone number, not billed to me, or is a XXXX phone, now the billing address could be different because I did move in 2018 and my old address might still be on Capital One as my old address because I have not been able to get online to change any of that. However, it is strange that I got a statement from them to my new address ( see attached 6 ), so how did they know it had changed if it is different than the address on my phone bill? I have also sent letters to the CEO and the general communication mail address ( see attached 7 )  Going to try this again and if it doesn't work, then I am going to file a complaint with the TN AG and also try and find me a lawyer that will take them to court for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempted to open credit karma XX/XX/XXXX but it failed to open because it claimed it couldnt verify my information when i am well within the system. This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 I spoke with XXXX from Freedom Mortgage. She said I did not have account with Freedom Mortgage. I gave her my loan number. Phone, address, and my name. They said over and over she did not understand. They have me and husband social security numbers mixed up. They have my name misspelled. They have everything mixed up. The mortgage company has a hard time posting payments and it takes them up 30 days post our payment making our account late. This has been ongoing issue. With since our account was sold to them.

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 2018-10-02
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bull City Financial Services a debt collector has posted the same medical collection for {$170.00} on XX/XX/2018 on my credit report

Company response to consumer: Closed with explanation