BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At time of closing the mortgage broker said, since rates are so low ( XXXX % ) you could save your down payment, it would require PMI monthly fee, but once your below that 80 % mark the PMI would be removed with a phone call. 

Now the mortgage company is stating that they have the right to access my home and do a complete inspection before which could cost as much as {$500.00} in fees and services. They flat out lied, direct to my face! They lied so that I would pick them over other company offering a lower rate and stating that the other companies would be harder to work with. 

My mortgage company has been a disappointment on so many occasion now. This has been the last straw ; its " time to address this issue.

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 2022-07-28
Company: CITIBANK, N.A.
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:
Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.

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 2023-11-13
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CREDIT MANAGEMENT IS SHOWING ON MY CREDIT REPORT AS IF I OWED XXXX XXXX  {$270.00} THIS IS NOT ACCURATE, I PAID THIS BALANCE TO XXXX  XXXX  PLEASE REMOVE THIS FROM MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-06-27
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX Credit Card through Comenity bank. Their website has been down for several days and their customer service phone lines are also down. I am unable to pay my bill because I can not access my account at all. I reached out to them on XXXX and they responded with a generic apology message for the inconvenience. It provided no information about when my account may be accessible and if I will be penalized for my payment being late as a result of their system being down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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:
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. 1 5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: PA
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:
I currently have unauthorized incurries appearing on my credit reports I have attached support and documentation.

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 2023-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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:
i financed a toyota vehicle with toyota finacial services, they included a gap insurance, tire insurance and many other perks staying that that was part of the loan, when i went back to cancel this they told me they cant only by summiting in writing witch i did, but never received my refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : # 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 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 convictions of crimes 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 to any 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 2022-12-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CITIBANK, N.A.
State: TX
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:
I have a Shop Your Way CitiCard. I had a payment due on XX/XX/20 for a purchase amount for {$20.00}. I did not receive a bill. While going through some receipts I realized that no bill had been sent. On XX/XX/20 I made an electronic payment of XXXX which posted on XX/XX/20. I also called the credit card company and was automatically sent to an automated system for waivers of late fees. The automated system reported that late fees and interest were waived. I had no other purchases on the card. 

Then on XX/XX/20, I created an online access account and was met with several late fees and interest in the following amounts : Late fee XXXX Interest {$2.00} Late Fee {$39.00} Interest {$2.00} Late {$24.00} Interest of {$2.00} Total fees of {$89.00} for an {$20.00} purchase. 

I called Citicard and was told that it would only waive {$67.00} and my account would remain delinquent and continue to accrue late fees and interest. Negative reports would continue to be made to the credit reporting agencies. I was further told that I could not get a copy of the terms of the credit card agreement via the online system. It could be requested to be mailed to me but my account would remain delinquent and there was nothing I could do about it no matter what. It was emphasized multiple times that there was nothing I could do, even though it was not my fault. 

I paid the purchase that was charged and was led to believe by the Citicard 's own system all fees had been removed in 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 monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I mailed TransUnion LLC a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from TransUnion LLC firm stating the ID I submitted was insufficient to verify my address and identity. Also Transunion LLC state that they do not have a Credit Report for me. 

The identification I submitted is sufficient according to your guidelines and I demand that Transunion LLC examine the enclosed documents more carefully this time. I have also included my original letter for your convenience.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: AZ
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 been a victim of Identity theft and this account needs to be removed per federal law that states a consumer reporting agency or data furnisher must remove all accounts involved in Identity theft within 4 days after receiving their Identity theft packet and I will be uploading the whole packet in this complaint this ACCOUNT MUST BE REMOVED NOW!!!!! or this company will be facing a MAJOR LAWSUIT IN FEDERAL COURT IF THIS ACCOUNT IS NOT DELETED BY FRIDAY I WILL BE SENDING LAW SUIT PAPER WORK TO YOUR OFFICE AS WELL AS COLLECTING {$1000.00} PER VIOLATION

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 2022-06-27
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 filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and XXXX and Transunion disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # 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 2022-11-29
Company: OneMain Finance Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan of XXXX through a third party website on XX/XX/2022. I was notified I had been pre approved by One Main Financial. When submitting my application from One Main Financial I was notified it would be a hard inquiry on my credit report. I submitted the application and then was told I had been approved. The website now said I need to verify my income and upload other documents to continue. The documents needed to continue said : proof of auto insurance, pay stub, photo ID front, photo ID back, and vehicle registration. The application up to this point had never mentioned a vehicle was necessary for the application of the loan. I called One Main Financial to get clarity of why vehicle documentation was necessary to receive the loan I was approved for. The agent stated I applied for a collateral loan. I let the agent know I applied for a personal loan not a collateral loan. I was told the application was for an unsecured or secured loan. But I would not be able to pick which loan I wanted to apply for. This company falsely advertised the original loan I applied for which was a personal loan. The information the agent told me was not clearly stated on the application I was submitting. My credit report was pulled without my authorization. I wouldnt have applied for this loan if it had been clearly stated that applying for this loan would require collateral even after being approved, based off my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am entitled to a credit card dispute charge back due to the fact that the contractor XXXX XXXX produced defective goods and services, caused XXXX rejections of our case at the US Supreme Court, and finally when they got it right was too late and caused us to miss the filing deadline, thus dooming us to the lower courts for litigation, not the US Supreme Court in time. Please investigate and advise.

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 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in Early XXXX I got approved for a credit card by Capital One, their XXXX XXXX. However around late XXXX, early XXXX of that same year they closed my credit card without any notification or explanation. That was the first incident, the second incident happened this year XXXX, I applied for a XXXX XXXX XXXX and was approved for it around late XXXX, early XXXX, even made the {$49.00} deposit that was required. I received the card in the mail and activated it. I even called to verify and the e representative told me it was active. Come to find out it was never activated and it was closed again, without any explanation from their representative, Ive tried in multiple occasions to get an answer and I just get passed around. I have yet to receive my {$49.00} refund as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an email from Bank of America stating that a debit card was successfully opened in my name. I did not nor have I ever had a bank account with Bank of America. I called the company and they confirmed that a debit account was open for me, but refused to give me any information or close the account because whoever opened the account used a phone number that is not mine. 

I was on the phone for XXXX hours and transferred to multiple people including the fraud department. Each time I explained the situation I was cut off or transferred again. The account is open in MY name, MY email address and MY social security number. I'm assuming they have my date of birth as well. Despite me having all this information, Bank of America would not assist me in closing the account simply because the " fraudster '' used what I'm assuming is their own phone number which doesn't match up with mine. 

I just want to close this account because I did NOT open a debit account with Bank of America and it is not 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
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft. I chose to use Experian ID Protection because they are rated the best. They are very secure online, however if you call directly, removing a freeze or lock is extremely easy. All you need is a social and date of birth. I have now put a security question to protect the block, but somehow the person trying to gain access to my account was still able to remove the Lock. 

I like the service, they are the best. But I need a safe word or some other feature in order to protect my credit. I was told there was no way I could have that added to my account for my protection because that is not a part of their procedures.

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 2022-06-27
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2.Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from 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 non-monetary relief
Consumer complaint received 2020-01-18
Company: Experian Information Solutions 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 status incorrect

Complaint:
On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call XXXX. 

Around XX/XX/XXXX I spoke with a XXXX account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe XXXX didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX credit theyre handling for me. I asked her to take a payment on my XXXX account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. 

So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with XXXX. When I spoke with XXXX rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. 

So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my 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 explanation