BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: CITIBANK, N.A.
State: GA
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/2020 Citibank closed my checking account without notice. They informed me that it would take 30-60 days to close my account and before they could remit payment to me for the funds remaining in my bank accounts. This created a SEVERE financial hardship on my family, as this was 100 % of the money that I had to my name, literally leaving me with not even {$1.00} in cash for my family to survive. We have been getting food from food pantries, living with relatives, and are entirely dependent on others for our well being and necessities of life ; my children have even went without medical care due to my inability to pay the co-pay for doctors visits. However, we have survived the very long 60 day time period. The full 60 day time period was up on XX/XX/2020. However, Citibank has NOT returned my money to me yet and I have left several phone messages with their Executive Response Unit, as well as emailed them and they have provided me with no response whatsoever as to the status of payment for the funds remaining in my account. I can not get them to return my phone calls or emails ; I have struggled and waited the 60 days that they stipulated in their response to my initial complaint ( case # XXXX ), I have reached out asking for a status update on the check they are to issue me as payment for the funds remaining in my accounts ( in excess of {$13000.00} ), yet I still get NOTHING from Citibank - no return call, no reply email, and certainly NOT ANY of MY MONEY!!! Its extremely frustrating that I have done everything stipulated and STILL can not get the money that is rightfully mine and desperately needed to provide for my family. Given their refusal to return my money and lack or any response to me whatsoever, it feels very much as if Citibank has stolen my money and wont even have the decency to speak to me about it, when my family has SUFFERED massively due to their poor decision to close my accounts and then keep the funds I had in those accounts. It is without a doubt the most horrible customer service I have ever received in my life, with little or no respect given to the troubles and trials my family has had to endure because of their poor decisions. It absolutely disgusts me that I am having to file yet another complaint just to get my own money returned to me or that I am forced to Beg for my own money to be returned.

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 2019-08-18
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX closed in XX/XX/2019. Loancare took over the loan. A mortgage payment was made in XX/XX/XXXXand XX/XX/XXXX using the old XXXX  account number. XX/XX/XXXX payment was properly processed and credited to my account. XX/XX/XXXX payment was paid by XXXX XXXX (my personal bank) but not applied to either my former account number through XXXX, or my new account number through Loancare. I spoke with a Loancare representative on XX/XX/XXXX and was told they were looking into the matter. XX/XX/XXXX and XX/XX/XXXX were paid using the new account number and the payments were properly dispersed into the mortgage account. I have received certified letters threatening foreclosure, despite keeping in contact with Loancare every week about this matter. A proof of payment of the XX/XX/2019 payment issued by XXXX XXXX was emailed to Loancare on XX/XX/XXXX and a ticket number was issued to me to ensure proper communication. XXXX XXXX has also ensured me they are working to resolve the issue. I have also reached out to the XXXX XXXX XXXX. The only thing I am asking for is the money either given back to me, or the money dispersed to my loan account.  It has been over 30 days since this problem has been brought to Loancare's attention, and I am frustrated by the lack of response and urgency.

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 2020-09-03
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: Information belongs to someone else

Complaint:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX XXXX XXXX paid off this loan please remove it from my credit. This has been 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 2020-10-25
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have been trying to get access to my locked reliacard  account for over a week and sent in all documents for verification of my identity, I have talked with supervisors and emailed over and over with no resolution. This is my unemployment money and all I have to live on I live in a hotel and was not able to pay the fee I am now homeless, my cell phone is off, I dont own a vehicle. This card was locked and I was not even using. No one can help me at all when I call and they dont know anything. I need my money please.

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 2017-09-16
Company: Innovis
State: IL
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:
All four major credit bureaus XXXX, XXXX, XXXX  and innovis have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?

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 2020-05-19
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: Account status incorrect

Complaint:
My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian conducted an investigation into items listed on my credit report which I disputed in the month of XX/XX/2019. The investigation was completed according to paper work on XX/XX/2019 (see file# XXXX). In the investigation results it shows items listed below: [XXXX XXXX  - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXXl - XXXX - Verified as belonging to me]I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked Experian to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified. I then sent a Method of Verification letter on XX/XX/2019 which was CONFIRMED received on XX/XX/2019 to Experian exercising my rights under FCRA 611(a)(6)(B(iii) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I haven't received anything regarding my request which is against my FCRA rights. I have attached all documentation backing up my claim for your review CFPB.

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 2018-02-27
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit history showing {$100.00} medical debt which is not mine. I pay my medical copay by debit or check on day of appointment. I am requesting more information on this due amount. 

I also do not use the name of XXXX XXXX XXXX and I have never resided at : XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was checking my credit score through (XXXX) a company that I believe works with my credit card company (XXXX XXXX) and came across alert for a new credit inquiry that had taken place at the beginning of this month (XX/XX/XXXX) through XXXX from Home Depot (XXXXXXXX XXXX XXXX XXXX, SD XXXX). I did not inquire for a Home Depot card and this caused my credit score to drop, obviously as a result of identity theft and or Home Depot pulling my credit file for whatever reason to approve me for a credit card that I have not applied for. I am not sure which of the two is the actual reason why Home Depot would inquire my credit report or score from XXXX. All I know I have NEVER applied for a Home Depot card and now someone is trying to open a card under my 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 non-monetary relief
Consumer complaint received 2020-05-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
For covid19 I called Td auto finance to ask for a payment deferment. They agreed to give me 2 months with out payment and they would just extend my loan 2 months and not report me late on my credit. 

They infact reported me late and are now have their collection department calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?

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 2020-07-29
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had sent an email to Transworld Systems INC ( TSI ) they collect for the XXXX ( XXXX XXXX XXXX XXXX XXXX ) and don't remember the date, to say that the amount was incorrect. I received an updated letter with an updated amount that I am willing to pay. Today XX/XX/20, XXXX, XXXX, I called XXXX, XXXX to ask what is the process to update, an account and remove it from my credit report once it is paid. I got XXXX on the line and asked her what is the process. She wanted to verify my identity first and I asked her what difference does my identity make. I'm just asking about the process. From my phone number she verified my identity and affirmed my identity. She would not shut her mouth and listen, kept speaking over me, kept interrupting me and would not give me the information I was requesting. I just said forget it and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX i was contacted by a scamer. thru his process i made the mistake of opening my account. when i realized this was a scam. i called usaa to freeze my accounts. i needed to stop payment on my accounts. i spoke with XXXX who refused to do that.. instead she wastes time changeing my account security. when she should have froze my accounts first and then changed the security on my accounts. by doing this she bought the scammer time. when she finished with me she did not report the scam. i had to call again to stop payment on my accounts. this got the scammer more time to scam my accounts. if usaa would have co operated with me there would have been a different outcom. i never received a copy of any dod when i opened the savings account. t have had a checking account with this bank since 2015 and never was made aware of any dod.evidence shows XXXX did not follow the proper protocal. i need the XXXX back in my savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX XXXX Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with XXXX. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While working on trying to secure a loan for a business and finalizing partnership agreement, XXXX XXXX, a prospective partner used my financial information to open a business credit card account with Chase and put my name as a guarantor without my permission. 
The card was issued to the business address of the partner and all correspondence being sent to that address without my knowledge. 
I do not understand how the business was issued a credit card based on my information considering that there was not and still is not any document showing any relationship with the company. 
After a while I did receive a call from XXXX XXXX attempting to collect the debt from the credit, that apparently was not being paid by the partner. 
I discussed with a person by the name of XXXX XXXX and explained that the card was issued to a business and that I had not spent a penny on that card. 
At the time she explained to me that they had no other choice than report this to credit agency and the best I could do was provide a payment and try to arrange the situation with the partner since I was the guarantor on the account. 
I made the mistake of giving her my account number from XXXX  XXXX for a payment of I believe {$350.00} to cover the arrears while trying to resolve the situation. 
Since then, almost three years ago, XXXX has taken the liberty to take money out of my bank account and nothing being done to the individual who opened the account and who has been receiving all correspondence related to the account at his business address. 
I am reporting this to the Consumer Financial Protection Bureau to get reparation from Chase for issuing credit card to a company without verifying ownership and credit worthiness information.

Company response to consumer: Closed with explanation