BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted some reports for fraudulent accounts on my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navinet has been my student loan servicer since XX/XX/XXXX since my loans were consolidated and rehabbed. There are multiple incorrect/ inconsistent late payments reporting across all 3 credit bureau with different balance and dates. Not only are the late payments incorrect, I have documentation that the account was supposed to be in forbearance or deferred at the time. The loans originated from XXXX College XXXX University which is closed now due to fraud so I am unable to get any information from the institution. XXXX had the loans first they are now involved in a lawsuit. A new class action claim that was filed on XX/XX/XXXX against Navient also included my some of the situations I've dealt with. I have reached out multiple times to try to correct my file with no action the last time was XX/XX/XXXX. Per FCRA this needs to be addressed it must be taken off my credit or adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sun West Mortgage Corporation 's licensed broker XXXX XXXX, Tel XXXX XXXX told me on XX/XX/2021 that he would lock in a refinance loan on my home at the rate of 1.75 % 30 yr fixed and would send me a loan estimate for loan # XXXX, and had me sign all the necessary documents, and relying on this estimate, I cancelled other pending offers at the same rate. Then this broker sends out a notary to sign papers where he has added {$10000.00} fees additional to the loan estimate that I relied on to my detriment. I refused to sign the papers, and he stated to me that he would correct the problem, and send out the notary again. As damages, I am demanding the {$10000.00} damages for detrimental reliance ; or alternatively, that the loan estimate be honored, this is a VA XXXX loan which the fees added make it not approvable by the VA for its 36 month recovery test.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act.Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 
XXXX XXXX XXXX account number XXXX Open on XX/XX/2XXXX 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 2018-10-23
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection reporting from CCS XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: OneMain Finance Corporation
State: MD
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:
My XXXX credit report incorrectly listed one of my prior loans ( One Main Financial ) as 30 days past due in XXXX of XXXX, whereas my XXXX  and XXXX credit reports correctly reported that the account was not 30 days past due in that month. In fact, a One Main Financial representative assured me in XXXX that no negative information would be on my credit report because the delay in payment was caused by a technical glitch. I requested in XX/XX/XXXX that One Main Financial correct the information on my XXXX report. Rather than fix the problem, One Main Financial took retributive action against me for disputing the XXXX credit report and changed my XXXX Credit Reportmore than 5 years after the factto incorrectly state that I was late on my payment in XX/XX/XXXX. A consumer should not be penalized for disputing inaccurate information on their credit report, but that is exactly what OneMain Financial has done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: U.S. BANCORP
State: TX
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 did not authorize credit inquiries made by this company

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 2018-10-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX  XXXX XXXX made an error when changing my XXXX XXXX to an XXXX XXXX took a bad check b/c of XXXX XXXX XXXX error now they wont re open my account due to XXXX XXXX XXXX  error

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 2020-10-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1 ) Citi charged me a {$25.00} late fee on XX/XX/XXXX and a {$29.00} late fee on XX/XX/XXXX. On XX/XX/XXXX I mailed out a letter to Citi formally requesting them to mail me my billing statements and to stop paperless billing. This letter is attached to this complaint. Citi failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS,  XXXX, XXXX, or a certified mail receipt. 
____________________________________________________________________________________________________________ 2 ) Citi drastically reduced my credit limit from {$15000.00} to {$300.00} because of this. This negatively affected my credit scores with the 3 major credit bureaus. The available credit is one of the factors used when determining credit scores. I respectfully request that Citi reinstate my higher credit limit or at the very least increase it from the credit limit I am currently at.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Remove the fraudulent information

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 2023-03-08
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On approx. XX/XX/23, I was notified by my XXXX XXXX  company that someone had opened a credit card in my name at CITI bank. I contacted Citi and was told that they had stopped the issue of the card. I then contacted XXXX XXXX and they proceeded to take a report and have the new credit card canceled and my credit report updated as well. In the interim, I received a call from XXXX XXXX asking if I had recently tried to open a new account there. I told them no and they said they would take care the problem. I then had XXXX XXXX have the credit bureaus put a fraud flag on my account which would prevent anyone other than me from opening new accounts in my name. In addition, the same week the credit card issue happened, my bank account was hacked, and the bank stopped the requested transaction, and I was required to open a new account.

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 2018-10-23
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
You will see that on XX/XX/XXXX, I have asked for a THIRD time that American Express removed two inquiries on my credit reports that I did not initiate. They can not prove to me that they have written signature matching my personal signature. In addition, they can not provide video surveillance of the person ( s )  who used my information to make an application with their company -- not once but twice! 

PER THE FCRA LAW, they are to remove the inquiries immediately since they can not provide me PROOF OF SIGNATURE. Not electric signature, my handwritten signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX 18 - {$500.00} PURCHASE MADE. ERROR FOUND. ORDER CANCELLED.

XXXX   XXXX  18 - ( {$500.00} ) REFUND FROM MERCHANT POSTED.

XXXX XXXX 18 - NOTIFIED VIA EMAIL PROMOTIONAL FINANCING EXPIRING SOON FOR {$500.00}. HERE IS WHERE THE PROBLEM BEGINS. I CONTACT PAYPAL TO DISPUTE TRANSACTION SINCE CHARGE MADE XXXX XXXX 18 WAS REFUNDED NEXT DAY. THIS IS REFLECTED IN MY XXXX  BILLING STATEMENT. WHY AM I BEING CHARGED INTEREST OR PAYMENT DUE FOR TRANSACTION THAT ESSENTIALLY NEVER HAPPENED, CHARGE AND REFUND SAME DAY. 

PAYPALS EXPLANATION IS THE SYSTEM DOES NOT SEE THE MERCHANT REFUND BECAUSE IT HAPPENED WITHIN ONE BILLING CYCLE. THE MERCHANT REFUND DID NOT APPEAR UNTIL THE FOLLOWING BILLING CYCLE. THE PAYPAL REFUND CREDIT OF {$500.00} WAS REALLOCATED BASED ON HOW WE FEEL THE PAYMENT WILL BEST PAY-DOWN THE INTEREST BALANCE. IF THIS HAPPENS IN THE FUTURE CALL US AND WE WILL OVERRIDE THE TRANSACTION SO THE REFUND IS APPLIED TO THE CORRECT TRANSACTION, HOWEVER, NOTHING CAN BE DONE FOR THIS TRANSACTION BECAUSE IT OCCURRED MORE THAN SIX MONTHS AGO.

THE EXPLANATION PROVIDED IS NOT FOUND IN ANY DISCLOSURES PROVIDED TO CUSTOMERS. I HAVE NOT KNOWINGLY AGREED TO ALLOW PAYPAL TO 'REALLOCATE ' MY MERCHANT PROVIDED REFUNDS AS THEY SEE FIT. WHEN THE MERCHANT REFUNDS THE TRANSACTION AMOUNT I EXPECT IT TO BE APPLIED TO THAT MERCHANTS TRANSACTION AS DOES EVERY OTHER CREDIT CARD ISSUER I HAVE ACCOUNTS WITH.

I WAS NOT CONTACTED BY PAYPAL ABOUT THIS 'REALLOCATION ' OF THE REFUND TAKING PLACE. I HAVE BEEN CHARGED INTEREST ON A TRANSACTION THAT ESSENTIALLY DID NOT OCCUR. HOW MANY TIMES HAS THIS HAPPENED THAT MERCHANT REFUNDS HAVE NOT BEEN APPLIED TO THE MERCHANT PURCHASE THUS ACCRUING INTEREST?

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 2021-06-24
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:
I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD

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 2018-06-21
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below on my Discover Account # XXXX XX/XX/XXXX - 30 Day Late : XX/XX/XXXX - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have tried numerous times requesting for documents that Experian uses to verify this debt with XXXX XXXX XXXX  but Experian has declined to send me any information. All Experian sends me is updated credit reports but nothing else. Every dispute response is " updated ''. First letter requesting documents was XX/XX/XXXX. Second request was on XX/XX/XXXX. I sent it so early because Experian gave me my dispute results as " updated ''. The third letter was sent XX/XX/XXXX, again Experian updated the dispute result as " updated ''. My fourth letter was sent XX/XX/XXXX. After four attempts to get documents in how Experian " verified '' this account I have got nothing back.

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 2018-10-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Friday morning on the XX/XX/XXXX I returned home early from work to call the manager XXXX XXXX to see if I could come and get my title so I could get my tags at the secretary of state that day. she tells me they didn't receive a title. I then call XXXX XXXX were the truck was purchase from to huntington bank. A lady name XXXX XXXX at XXXX said they sent the title and other documents on XX/XX/2018 and that someone at huntington bank name XXXX XXXX signed for it on the XX/XX/XXXX and that she would seen me a copy were he signed for it. I got the information and call XXXX back no answer no return call Friday so I went up there to Huntington bank Saturday morning she wasn't their, I talk with another branch employee name XXXX he new about the title situation and said he would look for it wild I was there and said he would call XXXX XXXX and leave a message for him to contact him or contact me concerning the title. I left the bank and call the main office of Huntington to see if they could help me get my title, they tells me that he's on vacation and that they would contact him by phone and email for him to contact me or the bank about the title, I never heard from him from beginning to the end of this situation, and time was running out. I was told to go to the social security office and they would directed me to apply for a lost title on XX/XX/2018, in the mean time I was back and forth at the bank I talk with XXXX at the bank on Tuesday XX/XX/18 I ask about where was XXXX she says he didn't come to work Monday and if the title came they can not leave documents laying around they would have to shred it they can't keep documents in that office.I received my lost title on the XX/XX/XXXX, by mail and XXXX  for next day for XXXX to XXXX to start the process all over again. I receive my title back on XX/XX/XXXX XXXX XX/XX/XXXX..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with Bank of america and received approval for six month payment hold however Bank of America reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by Bank of america and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, Bank of america paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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 2018-10-23
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via XXXX and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with XXXX. XXXX deducted {$530.00} from our XXXX account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to XXXX. On XX/XX/18, XXXX notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from American Coradius International LLC, dated XX/XX/18, that XXXX sent our balance to collections. We never received notification from XXXX that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with XXXX on XX/XX/18. 
- More detailed outline is provided further below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was contacted by the company ( They should have recorded calls ) in  XX/XX/2019. I told them the monthly payment is too much and I am unable to pay due to some job problem. They told me they have this special program where they can enroll me and I can tell them a fixed amount I can afford to pay monthly. I told them I can afford XXXX $ a month. They took my payment method and put my card on auto pay. after 4 months XXXX, XXXX, XXXX and XXXX passed by I see that I have late payments reported for these 4 months on my credit reports where as due to the agreement i was making the payments on time. I tried to call them and explain this but their customer service never listen to me. 
These late payments shouldnt be on my credit report since I was paying the amount they told me to pay all 4 months.

Company response to consumer: Closed with explanation