BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: Mobiloans, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I noticed on by bank account that I had a credit of XXXX on XXXX/XXXX/2015 from Mobiloans LLC. Subsequently I had debits in the amount of XXXX on XXXX/XXXX/2015, XXXX on XXXX/XXXX/2015 and XXXX on XXXX/XXXX/2015. I have never applied for nor agreed to any loan. I did not need a loan nor have I ever needed a loan for XXXX. I have placed a Stop Payment on my bank account and filed ACH disput as well. I do not want my crediit affected by this unauthorized loan.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: NY
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:
I have been a member of the XXXX card since 2014 where I made a purchase and paid my debt off. Recently XXXX closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Information belongs to someone else

Complaint:
I Have sent these collections to the Transunion and they are not deleting them and they are not mine. I have attached an FTC report to get them removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
State: NC
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:
The account with CitiBank had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of XXXX XXXX ) to pay our bill, even though the entire stay had been prepaid through XXXX. Citi 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the Citi card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. Citi was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. Citi refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
Citi did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.

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 2017-04-11
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account with Citibank for a {$400.00} promotion after maintaining a deposit of {$15000.00} for XXXX 30 days ( promotion : XXXX ( XXXX ). The account was opened on XXXX, and I was informed by a customer service representative that the {$15000.00} deposit must be made by XXXX. I transferred {$15000.00} into the account on XXXX, after which I contacted Citibank to ensure that the deposit qualified for the promotion and received confirmation that it did. On XXXX, I called Citibank to check on the progress of the promotion. The representative informed me that my account qualified for the promotion and that it would be applied by the end of XXXX. On XXXX, I contacted Citibank again because the {$400.00} promotion was not applied. The representative said that I qualified for the promotion and met all the requirements, and she therefore opened an investigation. On XXXX I received a letter by mail from Citibank informing me that I did not qualify for the promotion. This is contrary to all other contact with Citibank representatives, and my money has been sitting in Citibank accounts waiting for a promotion under false pretenses.

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 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Disputed about XXXX Hard Credit inquiries on my credit report that were not made by me, Transunion did not remove those hard inquires of my report, nor did i get a reply or any kind of update on my complaint. 
I also have XXXX different XXXX accounts on my credit report, i have never had XXXX different accounts with them and those impact my credit negative

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 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently obtained a copy of my credit report and noticed that Experian has inaccurately listed an address that I have never lived at. This erroneous information has the potential to negatively impact my creditworthiness and overall financial standing. I am deeply concerned about the implications this may have on my financial transactions, including potential loan applications and other credit-dependent activities.

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: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is regarding predatory lending via telemarketing to the elderly. The 2 Wells Fargo telemarketers are XXXX XXXX & XXXX XXXX. They called my XXXX & XXXXyr.old parents from another state to coerce a woman w/XXXX & a man w/XXXX XXXX into a 30yr. refi. No mortgage protection insurance was offered, no borrower 's atty was present, no program to better suit their needs was offered. CT is a state that enforces Predatory Lending. I have been asking questions to Wells Fargo for over 1 yr. to address & they have resisted. XXXX Vice President, XXXX XXXX & her " staff '' are making a mockery of the CFPB by continually not addressing my questions. They sent a 41 pg. redundant PDF & not 1 of my questions was answered. How shameful. Again, where are XXXX XXXX & XXXX XXXX & where is their transcript? Why weren't my parents offered mtg. protection ins. should one of them die? Why was no attorney present to explain what was transpiring to my elderly parents? Wells was pd {$71000.00} on an {$81000.00} loan. I offered {$20000.00} from a reverse as a " short pay-off '' & Wells refused the offer. I will not pay for a criminal offense. XXXX XXXX calls me & has the gall to ask me if I have any questions? What does she think I have been asking for 1 yr & now am asking the CFPB to inquire? She is ridiculing both of us!

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 2017-05-31
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 reviewed a copy of my credit report and the companies listed below ran an unauthorized credit inquiry on me. 

XXXX XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Experian XXXX XXXX, Experian, XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights and should be removed. Please see attached FTC Identity Theft Report. 

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX XXXX has violated my rights. 
XXXX account XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Sates i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-12-18
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for an Income Based Repayment program for my student loans back in XXXX/XX/XX/2018. I was sent a form asking for clarification on my past stubs because this company couldn't do the math and figure out that the pay stubs were two weeks apart meaning I get paid BIWEEKLY. My take home pay is {$0.00}, I am a waitress and make barely enough money to pay my rent. After TWO MONTHS of patiently waiting for this to be processed I reached out to their email communication team. I heard nothing back for over a week. I contacted again threatening regulatory action. I then applied for an Unemployment Deferment because they repayment plan was taking forever and my due date was coming .... A few days later I got a response that my program is approved but I am now due for {$6300.00} on XX/XX/2018! HOW IS THIS POSSIBLE!? I cant pay that? I just sent in my pay stubs showing I MAKE NO MONEY!! I need this fixed. That past due amount will tank my credit and I am working so hard on getting this all my debts settled. I cant do much more than give them everything they ask for! Please help me get the {$0.00} monthly payment I was told I qualify for based on my income. This has to be some form of predatory lending trying to take their time in processing these apps so they can make their money on the interest that keeps accumulating .... cant you see I am trying to do my part!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-05-18
Company: DOAN SOLUTIONS
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I receive 10 phone calls a week for the last year about consolidating my federal student loans. I am now receiving emails about this. I do not have any student loans ( federal or private ) of any kind. I am not receiving any bills in the mail. I am concerned that someone has taken out loans in my name or an error has been made. I called XXXX at XXXX and XXXX at XXXX and was hung up on several times. I do not want to receive any further contact about student loans as I do not have any.

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
1. My FCRA rights being violated by TransUnion.
2. Part One- TransUnion removed my inaccurate hard inquiry 's ( good ) Part Two- Transunion added the inquiry 's back onto my credit report without the 5-Day notification required by FCRA.
3. Contacted TransUnion three times my mail, twice by phone and they refused to assist me.
4. TransUnion is the company my complaint is about.
5. I am involved, three different investigations and twice a woman supervisor named  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 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please consider this as refiling of my complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the letters I sent to them with the identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter dated XX/XX/2023. As I checked my credit report these unauthorized hard inquiries and fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2017-04-19
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2012 w e were forced to declare bankruptcy because the credit union would not alter our loan modification as they said our bill were our fault so they would not help us even though I was a member for over 20 years with a perfect record. During the BK they would not take called from our lawyer so we were not able to reaffirm our mortgages. Now they report them as delinquent  as of  X/2012  ev en thought they have always been current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
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 reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/XXXX I attempted a purchase from XXXX XXXX XXXX which was declined. XXXX XXXX XXXX notified me XX/XX/XXXX, the payment was declined and requested another source of payment. I provided my XXXX XXXX account information and received confirmation from XXXX XXXX of my purchase. Order # XXXX. On XX/XX/XXXX within the 60 days of the date the charge was posted to my account I notified Bank of America of the duplicate charge and they opened a claim # XXXX. On XX/XX/XXXX Bank of America issued a temporary credit to my account for XXXX. Then to my surprise on XX/XX/XXXX, 69days after the claim has been filed Bank of America notified me the credit was being reversed because there was knowledge of the purchase by me and this was not fraud, this was a billing dispute.This resolution exceeded the 2 billing period grace period Bank of America had to resolve. This was a bank error, I had reported the billing dispute not fraud charge on XX/XX/XXXX. I called on XX/XX/XXXX 4 days after the notice and notified the bank of their error. The claim was reopened but now the Claim Number was changed to XXXX and the claim date was changed to XX/XX/XXXX which was still claim XXXX CLAIM # : On XX/XX/XXXX Bank of America made another error and opened up an additional claim XXXX. From XX/XX/XXXX thru XX/XX/XXXX, I continued to call and was told a new story it seemed with each call. I was asked to provide statements from other banking institutions as proof of purchase elsewhere, etc and did so. In XXXX of XXXX I was on another call with Bank of America trying to resolve this and finally the supervisor realized the errors and agreed to credit my account within a few days and as I was told, another credit was issued on my account for XXXX for this charge. In XXXX of XXXX I noticed the charge was on my account once again and I disputed again and was told it would be expedited. XX/XX/XXXX I received notice from B of A the time allowed for claims had been missed. If I was outside of the window to dispute it was only because Bank of America could not process this correctly, and numerous times assigned claim # ' ; s were mixed up by the bank. When this claim was first filed # XXXX on XX/XX/XXXX I was within the time frame to report a billing dispute. Bank of America 's error has now cost me the refinance of my home, 40+ hours on the phone and providing documents, a 70 point credit score drop and I plan to pursue this legally if the bank or merchant refuse to refund me.

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