BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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 am on a joint car loan with my Dad, since XXXX. My Dad is the BECU member, I am not. At the end of XXXX my Dad filed bankruptcy and since then the loan is now listed as Account Relationship Terminated and even though I am still making payments to the loan and they are being accepted, these payments are not being reported. We both went into a BECU office back in XX/XX/XXXX to see why my payments are not being reported to my credit history, and they said they would call us back with more information. They never called back and they still are not reporting that I am making payments. I dont understand why my father declaring bankruptcy has affected the loan in this way when I am the one making the payments on it. BECU has not been helpful in resolving this situation AT ALL. All I want is for them to give me credit for paying this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Ally/Auto has unfairly and inaccurately reported information on the Credit report of XXXX XXXX and I XXXX XXXX XXXX In CFPB case # XXXX, XXXX a representative from Ally Auto provided an inaccurate detailing of the payment history on an Auto Loan. Borrower and I Co-borrower entered into a new agreement called the " Catch-Up '' with Ally Auto. After suspending payments during XXXX, Ally Auto started payments back up again. During the suspension of payments because of XXXX Ally Auto reported past due payments to the credit bureaus. That is an ADVERSE reaction being that payments were suspended. The entire time the payments were suspended Ally decided to take advantage of us as borrowers and I'm sure many others by charging excessive finances charges. They later decided to hit us with a $ XXXX bill. They have continued to be thugs in inaccurate reporting on our credit reports. Literally reporting lies. We entered into a new agreement and new payment terms. Terms have been fulfilled but the reporting to XXXX, XXXX, and XXXX are inaccurate lies. According to FCRA, a creditor can not report payments past due while account is adversely being paid on. Creditor must update and/or report accurate information. You can not suspend payments and then report past due. You can not enter into a payment agreement and still report past due all the while account is being paid on at a higher rate than first agreeement. Only one issue was corrected but not the entire 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.

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 2020-11-22
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After having my debit card and {$5000.00} stolen, I have appealed over 7 times to Citibank to refund the money to my account as they promised on XX/XX/2020. Since then I filed a complaint on the Consumer Financial Protection Bureau website which prompted Citi to immediately respond with the attached letter and promised to refund the money within 3-5 business days. It has now been 10 business days and upon speaking with the manager in charge of my case, she informed me that there is in fact no timeline in which I will receive the money and she was not even sure the money would be refunded to me at all. It seems as though Citi sent the attached letter only as a means to appear as though they are resolving the matter when in fact they are not. 

This has been the most unprofessional, unethical, and dishonest experience I have ever had with a business much less a global financial conglomerate.

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 2020-08-05
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to contact XXXX XXXX directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. XXXX XXXX said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to XXXX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from Nationwide Credit , Inc. saying I owe {$44000.00}.

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 explanation
Consumer complaint received 2020-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2019 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-01-02
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: DE
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:
Upon reviewing my credit report, I found out that there is erroneous account that is still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed account, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following item : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} :

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 explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.

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 2015-05-30
Company: CITIBANK, N.A.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
i was registered as a cosigner on a student loan with citibank. in XXXX it was electronically signed. with out my permission. i was not givin any loan information as to the amount of loan or the intrest or payback policy of this student loan. i requested to be removed from this loan as co signer as it is not mine. citibank refuses to remove me and has also attacked my credit rating with this default loan. i am unable to work with citibank student loan on this issue. they are holding me responsible for this loan which is not mine. my credit rating has suffered for years with this problem. iam paying higher rates and not getting low intrest loans because of this. i request help in this matter. Thank you XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Opened an account with CitiBank on XX/XX/2016 and deposited {$50000.00}. Per the attached brochure I was supposed to receive a {$400.00} bonus on XX/XX/XXXX. As of XX/XX/XXXX have not received that bonus. Spoke to XXXX ( a supervisor in Customer Service in Texas ) and she indicated that the matter has been referred for investigation which can take another 10 days. She also indicated that when I receive my bonus that they will not provide back-dated interest. If the Bank makes an error then they should make me whole by providing interest for the lost use of funds.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} Charge Off : XXXX XXXX XXXX Balance : {$5900.00}

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 2022-07-26
Company: National Credit Adjusters, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from National Credit Adjusters stating that they are trying to collect a debt on a Credit Card that I opened in XXXX. The card was for XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. That account was paid in Full on XX/XX/XXXX for the amount of {$310.00} to XXXX XXXX XXXXXXXX. ( another collector ) When I sent the receipt of payment in full to NCA I was told that they do not have permission to open the email and they will have to look into this. They kept trying to tell me that it was still outstanding and I needed to make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$64000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$8100.00}XXXX XXXX XXXXXXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX Original Creditor : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX Original Creditor : XXXXXXXX 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

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 2015-09-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sir/Ma'am, I 'm currently serving in the XXXX XXXX XXXX . I 'm hoping you can assist me in the short sale of my home XXXX AZ. 

Due to military obligation I moved from XXXX XXXX XXXX XXXX, XXXX to XXXX location for XXXX year in XXXX XXXX. After my XXXX year XXXX XXXX XXXX sent me to XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. 
While I was deployed for a year my wife and family continued to live in thehouse in XXXX XXXX. Right before my return to the states we decided to putthe house up for sale in XXXX XXXX. We moved out of the house at the end XXXX and headed to XXXX XXXX. During this time payments were made onthe house yet there were no offers. Around XXXX XXXX I requested to do ashort sale through our lender Wells Fargo because I could no longer continueto maintain XXXX house payments. We are currently living in base housingwhich cost about {$1400.00} a month and the mortgage in XXXX is about {$1400.00}. 
I owe about $ XXXX on the house and we were offered a rather low offer butthe bank denied the offer and said they need a minimum of around $ XXXX tobreak even. To my knowledge this is not what a short sale is all about. Notto long after that we were offered $ XXXX on the house. The offer was sent upto Wells Fargo but they did not reply after 3 weeks and the buyers backedout because they took too long. Now my realtor says there is another offerof $ XXXX on the table and I feel like this will fall through. I 've sentWells Fargo all the required information ( finances, justification, etc ) inregards to doing a short sale. The house has been on the market for almost19 months now and I 'm at loss right now. The longer this takes the worse itwill get. Wells Fargo has been less than helpful with a short sale. It seemslike every other month or so we have a new point of contact and no one wantsto talk to me or my realtor. This is the short side of the story if you haveany questions or options I would appreciate any help you can provide. I'mcurrently XXXX and will not return until XXXX XXXX. 
Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was approved for a secured card back in XX/XX/2019 and This required that I pay a {$300.00} security deposit which was debited out of my personal account. I received the card and welcome kit in the mail. Shortly after I needed to fill out another IRS form for additional information and ultimately the card was cancelled and closed saying they couldn't verify personal information after receiving this phone call and email I said okay how soon will I get my security deposit back and they assured me with in that it would be expedited within 10 business days. It has been almost 2 months now and I have yet to received my security deposit back and I have called every week for the last 5 weeks to get the status and they continue to give me the run around about refunding my security deposit. in this process I have lost 11 points on my credit scores and have an inquiry which they stated from the very beginning it wouldn't affect my score and a derogatory remark for the account that was never used

Company response to consumer: Closed with monetary relief