BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
VIOLATING FCRA - {$1000.00} EACH REPORTED ITEMS WITHOUT MY WRITTEN CONSENT. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX I have a loan with Citi Mortgage since 2009 I have never been late, my balance on my loan is XXXX we paid XXXX for the loan. I have requested several times for my pmi to be removed, paid for XXXX or XXXX appraisals the last appraisal came in at XXXX thru citi mortgage even with that im still well below XXXX % the last attempt resulted in Citi removing the pmi then telling me it was a mistake months later causing my escow to be XXXX short after adjusting my payment for months to reflect the pmi being removed I have the letter stating that it was removed and proof of payment reduction this really puts me in a bind upping my payment nearly XXXX dollars a month and I just dont understand and im not getting any help from citi thanks

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 2015-12-03
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed complaints and the company refused to talk to you because i had an attorney write a demand letter. 
The company refuses to talk to me because of that attorney letter. I told the company my attorney wants to sue them and i have not paid for that yet so they can talk to me. They have not replied to date. 
The company has received XXXX payments from me. All XX/XX/XXXX dates. 
XX/XX/XXXX, XX/XX/XXXX, and XXXX on XX/XX/XXXX.
XX/XX/XXXX another payment was placed into a special account until the other XXXX payments are properly credited. 
I have provided them notarized bank statements where it clearly shows the company received my money. 
Why they are not crediting my account is beyond me. At first the company asked for more clear statements. I showed it was their upload system and not my statements that were unclear. 
I emailed them and confirmed they could read them. 
I then had the notarized statements sent to them and the company confirmed they received those. 
The company seems to want to use fraud in their refusal to credit my payments to my account. 
They received my money, their own people admited it, yet their fraud team and investigations team is deficient and wrong, and when i talked to them i proved they were wrong, yet still no payments credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I initially sent letters to XXXX, XXXX, and TransUnion on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You

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 2017-03-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Leased car through Toyota financial services. At end of lease, bought the vehicle. During the time between end of lease and processing of purchase, the account kept posting new payments. TFS told me twice on phone that I did n't need to make those payments. Now that account shows as 30-60 days past due on my credit report. TFS never answer phone ; automated system says account associated with my information is closed and for unforeseen reasons, no customer support person is available to answer my call. Need the negative information removed from credit report as I never delayed a payment except when TFS told me to not make one. Disputing with credit reporting agencies has yielded nothing either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan modification to prevent home foreclosure yet I was not assisted. I was informed that my home was to be auctioned tomorrow morning and the only choice I have is to file a bankruptcy. I 've never been disrespected and taken advantage of. I am very disappointed in OCWEN and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been sending disputes to all XXXX credit bureaus for the past 4 months regarding this issue. Citi has been harassing me and my family regarding an account that is not mine. They are saying that I owe them {$3000.00} and they are reporting this on my credit report without my permission. When I sent them the police report and identity theft affidavit they ignored them and sent me none of the information I requested in order to validate this charge. If they do not stop contacting me and do not stop reporting this fraudulent information I will be contacting my attorney and filing a lawsuit for defamation.

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 2016-01-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I was double charged for {$150.00} in XXXX or XXXX XXXX on the Www.macys.com with my Macy 's card. I bought a dress and then noticed I was double charged and the same dress was mailed to some random address in West Virginia or somewhere. I have called Macy 's at Least 8 times in as many months and I have been charged interest, refunded interest charged a late fee, refunded the fee. I am at my wits end. It is still on my account as a disputed charge as of XXXX/XXXX/XXXX! I have written letters, and now I am turning to you

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 2015-07-09
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Pallisade Collection are actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a Palisades Collection who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible. 
Consent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

These garnishees need to be stopped. They are at over double the statue of limitaions in NY State. There is no verification or proof of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Round point mortgage is not giving us our insurance settlement check from our home flooding. We can not fix our home without this money, our home is sitting vacant and unlivable, with no work being done. We are current on our mortgage, always have been, and now are paying for months of rent in a XXXX bedroom apartment. We have XXXX children that want to go HOME! We have called repeatedly and are not getting anything from them, but the run around.

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 2017-01-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I open the Citibank checking account back to XX/XX/XXXX because Citibank has a promotion. 
it state that to qualify for a XXXX cash bonus, open a new consumer checking account in the Citibank account package by XX/XX/XXXX Within 30 days from the date you opened your new checking account, deposit XXXX or more in a new to Citibank fund into your new checking or new or existing Citibank saving plus account. 
A minimum balance of XXXX is required to be maintained in the new checking account or new or existing Citibank savings plus account for XXXX consecutive calendar days following the date you made your qualifying deposit. 
The bonus will be received 90 days from the date of the qualifying transactions. 
on XX/XX/XXXX, I went to the branch to see what happen with my XXXX bonus, the branch told me she will send the claim to the customer service but it will take 48 hours to response to me. I kept waiting for the answer. Finally i got the response on XX/XX/XXXX it said my account has meet the requirement to receive the incentive for the amount of XXXX. 
I assume I should get it by XX/XX/XXXX. I called the customer service on XX/XX/XXXX to follow up my case, they told me I better go the branch to find out what 's going on with Bouns since i opened the account there. XX/XX/XXXX, I went to the branch, the branch made the phone to trace my bonus. Again, they told me It takes 5-7 days to process my bonus Up to date XX/XX/XXXX. I still have n't seen the XXXX bonus in my checking account. I feel so frustrated the way CITIbank they handle the case. I thought Citibank should be honor what they promise on the promotion. It seems like a scam, why they keep delaying the payment.

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 2016-07-03
Company: CITIBANK, N.A.
State: DC
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
I received XXXX citibank ( prepaid.citi.com ) gift cards for my XXXX tax return. The citi website is nearly impossible to navigate with circular links that return you to the home screen. 

I had to create XXXX accounts to access the XXXX cards I received, meaning that to check the balance on both cards I had to logout, clear my cache, and log in again ( or use XXXX different browsers ). 

The system froze while I attempted to access, again preventing me from accessing my funds. 

Finally, there is no way to see your entire balance so while I know I was charged a {$3.00} maintenance fee XX/XX/2016 ( the first time I logged in ), I have no idea whether I had previously been charged a fee. To that end, whenever I agreed to receive a gift card as part of my tax return, I certainly never agreed to pay a maintenance fee for the same.

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 2021-10-07
Company: EQUIFAX, INC.
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:
This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.

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 2015-07-27
Company: CITIBANK, N.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Long story I had a loan with One Main Financial. When I got behind they offered me an adjustment of terms. The AOT that I signed had a lowered interest rate 6 % down from 33 % and a payment of {$160.00} down from around {$310.00}. What they did not do was put on the form or tell me that the length of my loan would be extended to 79 months from 60 months. After I made the initial payment and was making a XXXX payment the Rep on the phone accidentally mentioned that my loan was extended. I told them I did n't agree to that and asked them to send me something in writing saying that my loan was extended. They have refused. I explained to them that according to THEIR AOT " Except as specifically amended by this Agreement, all other terms of the original obligation will remain in effect. '' I also explained to them that I was under the impression that it was like student loan forgiveness and I would have never agreed to the months being extended that long. They have predatory lending practices. I still ( 4 months later ) have n't been able to get in writing that my loan was extended to 79 months. They tell me refer to my " original contract ''. I keep telling them that 's the problem, the original contract says 60 months. They refuse to give me any kind of documentation. Furthermore they claim they have a phone call with me agreeing to the 79 month term and they have already reviewed it. Every time I try to speak to someone who 's listened to this phone call or try to talk to someone who can discuss this with me they threaten to put this on my credit. No one wants to help me get to the bottom of this they only want me to send payments. I 've talk to nearly every supervisor or manager in the company to no avail. Not only can I not get the agreement in writing but I ca n't get any one to discuss the so called phone call that they have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Exeter Finance Corp.
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:
This company shared my account with a third-party collection company ( XXXX ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to XXXX and now XXXX is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but Exeter disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from exeter and XXXX XXXX & FTC report filed last year. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: BB&T CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposit a {$6.00} check to my BB & T checking account and the bank mistake it for a {$6000.00} check and credit me {$100.00} to my account. not knowing i use the {$100.00} and now I been hit with overdraft fee.

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 2017-01-04
Company: BB&T CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX I purchased a XXXX from XX/XX/XXXX. Our credit was pretty bad at the time, and foolishly we signed for a high interest loan on this car. We have paid $ XXXX since the purchase date. Payoff right now is {$20000.00} plus on an {$18000.00} car! Not one dime has went toward the interest. Every cent has been going to the interest. They refuse to let me talk to someone to tell me why, and make excuses for why it is all interest. There is no possible way to get out from under this loan, or even come close to paying it off. We have had probably 20 car loans during the course of mine and spouses lifetime. NEVER have we ever had a loan where the principal continues to grow, no matter if we were late, early or on time! Please help 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 2021-10-07
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: Old information reappears or never goes away

Complaint:
Equifax keeps reporting an old state tax lien on my credit in the amount of {$19000.00}, they are not supposed to report liens of any kind on my credit, this is a 15 U. S. 1681i, and U.S. Code 1692g wilfull noncompliance, and validity of debt falsely reporting same account twice, and reporting a State tax lien, which is a civil liability on their part. And they are in 15 U.S. Code ss 4504, statute of limitations violation, after the date of first delinquency, the debt is to be removed from the credit report 7 yrs later, they have kept this old debt on my credit report now for 13 going on 14 yrs, they are required by the Fair Credit Reporting Act to Delete this old tax lien account from my credit report. Whether they are reporting monthly payments or not. Instead of violating the act, they need to be in compliance with the laws, and rules set forth to protect consumers from unfair credit reporting. Delete the items or I will sue Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are currently potential buyers in a short sale with a seller-accepted offer waiting for XXXX approval. We began shopping mortgages in XXXX ( XXXX, XXXX XXXX, XXXX, & Quicken Loans ). Of those, only Quicken Loans has been calling our home several times each week with highly aggressive tactics, pushing us forward in the loan process without yet having a completed contract. I was assured on the phone that there was no cost or obligation as we moved forward. We made a {$500.00} good-faith deposit with Quicken Loans, and we were told it was refundable of the mortgage was not completed. QL went ahead and ordered an appraisal on the home -- again, without a contract. We have now been told that cost of the appraisal and credit report will only be refunded if the XXXX bank does not complete the contract, but if we choose to go with a different lender, we lose that money. When I raised an objection with XXXX XXXX, saying that there must be phone recordings, he ordered an internal investigation, returning, " My Client Relations team reviewed the calls and confirmed that the proper expectations were set regarding the deposit. '' I replied requesting access to the phone records, and then received a call from XXXX XXXX " from the Executive Office at Quicken Loans. '' She refused to share the phone records. ( She did n't quite seem to understand that a secret internal investigation inherently has no integrity ; she kept assuring me of *her* integrity. ) I want to be able to review the phone records of my conversations with XXXX XXXX and XXXX XXXX in order to say definitely whether or not I was lied to on the phone, misled by missing information, or if I was careless. 


XXXX XXXX | Senior Purchase BankerDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXXXXXXXXXX XXXX XXXX | Senior Purchase SpecialistDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : | Fax : ( XXXX ) XXXXXXXXXXXX XXXX ( " from the executive office '' ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation