BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I've opened card at citi bank branch on XX/XX/XXXX. I got their offer page for prestige card with XXXX points and annual fee XXXX as a gold client customer. I have their origin paperwork as proof. They helped me open and it was instantly approved. The banker told me she made a mistake, and the offer term got something wrong, so we went help with the citi gold manager to fix it. They confirmed me everything was fixed and I would get the right points and right annual fee rebate, however, the annual fee rebate would happen after several statements because it was a new card and the rebate would happen later. Now after several confirmation with the phone rep, I was double checked and triple checked I would have my rebate after XXXX cycle. But it did not happen, I called the phone rep again and they told me a different story, and the annual fee which citi agree on was not existed, and there was no notes from the previous several dialogue. I am frustrated that citi take back what they promised and told me that they would honour for me. Citi showed they failed to help me with the issue, and also they did not agree to do any investigation and believe I was talking nonsense. I feel sad and helpless for what citi tore away our trust.

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 2019-12-29
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
student loans that is under my record which I haven't had no student loans. I had call the company and they say they will erase it but they haven't. I need them to check whos identify thief of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
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 went to my Credit Union to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our Credit Union and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 

Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: LA
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 a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}

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 2022-07-25
Company: ALLY FINANCIAL INC.
State: GA
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:
Date : XX/XX/2022 I went to XXXX with my cousin was about find a suitable car and do work on finances the support person has taken the information and I told specific to not to run any hard queries until I finalize the car and prices. 

She went and ran the credit for 3 different financial services and when I get an email I ran to the office and told her why you guys are running the credit without the car being selected she then is apologizing and accepted her mistake. I want that to be removed from my credit. This is a bad experience as Im struggling with their behavior when I clearly mentioned not to do hard checks.

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 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I signed up for TransUnion 's 3 Bureau Credit Reporting. I  have no recollection of the site plainly stating that signing up would be a recurring/subscription. What I was intending to purchase was one-time access to reports, i.e. a single charge for a single service. That was {$19.00}, and a transaction of that amount is fairly regular, so I did not notice the next 12 months of charges from TransUnion. I received no emails, no reminders, or notices of any kind that the charges were renewing each month on the tenth. From XX/XX/XXXX to XX/XX/XXXX, I have been charged a total of {$230.00}, only {$19.00} of which was intentional. 

I noticed these charges for the month of XX/XX/XXXX, on the night of XX/XX/XXXX, and then looked back to each previous month and saw charges from TransUnion. Navigating on the site, the option to " Get the full picture '' on a Credit Report and Score is one of the most prominently featured links. Clicking on that link directs the user to a page that requests {$29.00} for these services. At this point I don't know what it is that the recurring XXXX charges are for, since the original charge was supposed to be for access to a Credit Report and Score. 

I was unable to find a link to cancel the subscription while navigating within the site. A XXXX search found the page, but there were no links that I could find from internal site navigation. I submitted a cancellation for the subscription on XX/XX/XXXX, and received a confirmation of the request shortly thereafter.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I settled my two XXXX XXXX credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 created a free account with XXXX XXXX and I see some accounts showing on my report that I never opened

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 2021-02-23
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I submitted an application for a personal loan of {$25000.00} on XX/XX/2021. LendingClub requested several documents from me and after some back and forth all the nescessary documents were submitted. On XX/XX/XXXX they requested I print out and complete a 4506-T form with a wet signature. I then provided a scanned copy of this document to them by XX/XX/XXXX. At this point they then requested I E-sign a 4506-T form. As this was a bit confusing I called the LendingClub hotline, XXXX to confirm that they now needed an E-sign 4506-T. The rep looked at the account and told me there was a hold on it because the scanned copy of the 4506-T was marked as " not legible or cut off '' she reviewed it did not see why that hold was on the account as the document we legible and not cut off. She informed me that she approved the documents and to go ahead and E-sign the 4506-T, she said nothing else was required from me at this point. This was completed on XX/XX/XXXX. At this point in time there was no more communication from Lending Club for outstanding documents. On XX/XX/XXXX XXXX received the adverse action notice stating " You did not provide the documents we requested to finish reviewing your application. '' So on or about XX/XX/XXXX I called again into the hotline and spoke with someone who could not provide any more details beyond the notice so I asked for a manager. No manager was available so they said I would receive a call back. It is now XX/XX/XXXX and I had not received a call back so I called them again. After 30 minutes on hold with an agent waiting to speak to their manager and credit department I was told I was being transferred and if the call dropped they would call me back on my number. Of course the call was dropped during the transfer and I have not received any call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Continental Finance Company, LLC
State: VA
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:
This is in reference to a Build Card from Continental Finance, account ending in XXXX. This card was paid off in XXXX of 2020, and closed at that time. Despite closing the account, Continental finance continues to try and charge a monthly fee for the account - and reopens the account each time, requiring a phone call. Today makes the third time that we have had to call. Each time they remove the fee and insist that the account will be closed, then they re-open the account and charge the fee again.

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 2019-12-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2019 This is the second time that I have reached out to Experian in reference to inaccurate information that is being reported on my credit report. I never received any correspondence in the mail and there has not been any updates with incorrect items on my credit being removed. I have also reached out to the companies who are reporting the collection & charge off accounts and requested VALIDATIONS and I have not received the requested information either. If this issue is not resolved. I am prepared to file a civil lawsuit against Experian for reporting incorrect information without proper validations if the debts and damaging my reputation. 
You have ignored my request to provide me with the documents that you have in your files that you used to VALIDATE the disputed accounts which means that you have NOT VALIDATED or you can not VALIDATE any of these accounts and under Section 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be VALIDATED. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be validated or deleted immediately. 
1. XXXX, XXXX ... ... XXXX ... ... ... UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX ... ... XXXX ... .UNVERIFIED ACCOUNT 3. XXXX XXXX XXXX ... ... XXXX ... .UNVERIFIED ACCOUNT 4. XXXX XXXX XXXX ... XXXX ... ... UNVERIFIED ACCOUNT 5. XXXX XXXX XXXX ... XXXX ... ... UNVERIFIED ACCOUNT 6. XXXX XXXX XXXX  ... ... XXXX ... .UNVERIFIED ACCOUNT 7. XXXX XXXX XXXX ... ... .XXXX  ... ..UNVERIFIED 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 2020-06-19
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: Old information reappears or never goes away

Complaint:
On XXXX the company I hired to fixed my credit they request deleted applied bank Acct first the account is charge off and was opened XX/XX/XXXX is more them 7 years in my report, what I need is deleted to not affected my score any more. 

Thank XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: NTFN INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Closed on rental home cash out borrowing : {$120000.00} with a mortgage company named NTFN, Inc.NMLS ID # XXXX XX/XX/XXXX : Mailed approximately 2 payments {$1500.00} using personal check. 

XX/XX/XXXX : Check mailed cleared my bank account. 

XX/XX/XXXX : NTFN letter dated stated serving of mortgage changing to XXXX XXXX, XXXX as of XX/XX/XXXX. 

XX/XX/XXXX : XXXX XXXX statement does not reflect payments of {$1500.00}. 

Mortgage sold and payments made to first owner/servicing company not posted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: CA
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:
There are some hard inquiries appeared on my XXXX credit report, which supposed be fraud and I want to remove them for accuracy. 
list of hard inquiries I don't recognize : 1XXXX XXXX XXXX XXXX ( Auto XXXX on XX/XX/XXXXXXXX XXXX XXXX 2/ XXXX XXXX  BANK ( Bank ) on XX/XX/XXXX 3/ XXXX XXXX XXXX XXXX  ( Finance ) on XX/XX/XXXX And one inquires on Equifax report XXXX XXXX BANK XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29
Company: DISCOVER BANK
State: NV
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'm a person of integrity. I've worked hard to have a stellar financial reputation. However, discover has poisoned me for almost 7 years now. They keep repeating a fraudulent account onto my XXXX  credit report. I've disputed and disputed to no avail. I've requested to be shown original documents as I'm entitled to under section 609 of the fair credit reporting act and neither discover nor XXXX  complied. This is my last attempt to have it removed before I seek Justice via trial by jury as outlined in the 7th amendment of the Constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card
Issue: Cash advance fee

Complaint:
Account PLATINUM CARD XXXX Transaction Date XXXX/XXXX/2016 Posting Date XXXX/XXXX/2016 Description CASH ADVANCE FEE & lt ; REFERENCE XXXX & gt ; Amount {$52.00} Company 's website will not allow consumer to dispute fees and also refuses to remove fees from phone call as well. Attached form shows that the website errors out and does not even allow consumers to even raise a concern effectively blocking them from a dispute of a charge.

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 2016-09-29
Company: ZWICKER & ASSOCIATES
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
After my husband lost his job, staying current on our debts became very difficult. We joined Freedom Debt Relief as a way to manage our debt and make sure it was being paid. Unfortunately XXXX did not deal with Zwicker and Associates, and that is where our XXXX card ended up. We had and Attorney through XXXX that was dealing with XXXX and was supposedly trying to reach a settlement. We have since been sued by XXXX and have a Judgement against us. We have since paid our debts off except for this XXXX card. Without XXXX 's attorney we are now trying to deal with XXXX on our own. Our phone conversations with XXXX have so far been met with uncooperative attitudes in trying to come to a payment agreement with them. Lump sum is impossible for us. We have just learned that there is a bank garnishment order against us, but there is nothing in there to get. As a last ditch effort we called the attorney we were dealing with and asked her to please send us any documents from XXXX that they had. We found that there was an agreement that we had never seen or been told about. It is an agreement that we can definitely commit to. We called XXXX on Tuesday the XXXX of XXXX and asked XXXX the girl we had been dealing with, if we could sign this agreement and start payments immediately. We even sent copies of this agreement via email to them. It was all put together at XXXX. We were told no. They want a lump some payment of XXXX. If I had that money .... I would n't owe the debt. I do n't understand how they can garnish wages, bank accounts and sue you but when you try to pay them they can tell you no. How on earth do they ever expect to be paid? I would expect that if they want their money that badly and that they went to all this trouble, they would be happy to get the money. It 's embarrassing to be in this situation as it is, but every time you call them they make you feel worthless. They told me to borrow the money. Really? Why do n't they loan it to me! The amount on the agreement was also wrong. it was off by XXXX dollars. We owe XXXX, the agreement was for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX fraudulent charges were committed utilizing my wife 's debit card number and pin. I called Navy Federal Credit Union, our bank and submitted a claim to reject the charges and have the money reinstated. Naturally, I also cancelled the card. It is obvious that the charges were not done by either of us, as we live in XXXX and the charges were in XXXX XXXX, XXXX. The first charge was at an auto shop in XXXX XXXX for {$4500.00}. The second and third were both cash withdraws of {$300.00} each for a total of {$5100.00} stolen. I have submitted a police report to the XXXX County Police Dept in XXXX and the XXXX XXXX Police as well. I have repeatedly called the bank to ask for an explanation for the findings, but have received none, either over the phone or by mail. As an XXXX XXXX service member, it disgusts me that this bank does not back up its customers and repeatedly gives me the run-a-round when trying to figure out why this claim was rejected. Even if we do not get our money back, we are done banking with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief