BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a series of calls and an email to activate a Citibank commercial credit card that I neither received nor applied for at any time in the past. 

According to the " Citi Commercial Cards Team '' : We recently sent you a new, Citi Chip and PIN card to replace your old, magnetic stripe card. Our records indicate that you have not yet activated your card and selected a XXXX-digit PIN. 
To activate your card, call toll-free XXXX or visit XXXX.citimanager.com/corporateWhen I called, I was put on hold for a " XXXX '' and no one ever came back on the lie for XXXX-minutes. 

I suspect that either I am a victim of identity theft, and/or some form of scam - as I can not get a response from the people who claim to have issued this card. There is some big mistake in their issuing a card to someone else, or this is a scam/fraud that needs to be resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE GONE. NOW THE INQUIRIES ARE ALL BACK ON 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
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: TN
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:
N 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.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
N 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.

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 non-monetary relief
Consumer complaint received 2022-07-23
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
On XX/XX/2022, there was a fraudulent use on my XXXX XXXX XXXX and a victim of fraud. I report the matter to the XXXX police department, XXXX XXXX, and XXXX XXXX the energy company that the fraudulent used my identity for the possession of electric power. 
I called XXXX energy to let them know that I have never been in business with them before, which is not me. They asked me to report the matter to FTC and the police department and get a report from both departments before they could close the case. 


Yours sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I reviewed my TransUnion credit report and TransUnion is allowing a charged off account, with the last payment date of XX/XX/2009 to remain on my account. The date of delinquency for this utility bill is clearly past 7 years. 

In good faith I filed a written dispute with TransUnion directly, as required under the FCRA to establish a private right of action. TransUnion only verified the amount as being correct and ignored the part of my dispute as it related to the stale reporting. 

I called TransUnion and they still refuse to comply with the FCRA, even after I advised them to please run XXXX through XXXX so they could see that my threat ( promise ) of a FCRA lawsuit should be taken seriously. 

I do not expect them to do the right thing, but the FCRA allows for punitive damages for a willful violation of the Act. I believe I will be able to meet that element with a direct written dispute, a telephone dispute, and a CFPB dispute. 

I am attaching a copy of the letter to TransUnion, which they ignored the actual subject matter of the letter. 

Please let me know if you need anything else. I will also forward you a copy of the Federal Complaint that I am filing. 

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 2020-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Having trouble due to covid issues and company not working with me at all. Told company suspended repos, however they still call. Made XXXX arrangements for payments and was told the calls would stop, yet they havent. This is a horrible company that says they love and honor veterans, however only the ones who have no financial issues. They harass and dont care about those of us on hard times, and many will soon know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Their investigation did not fix an error on your report

Complaint:
I filed for bankruptcy in XXXX of 2020. My case was discharge in XXXX of 2020. Before and up until my bankruptcy I made all of my credit card payments on time, however, when I applied for credit cards as of today, and the credit I pulled from Experian, it states that I have a bankruptcy on my credit report, derogatory payments and delinquencies and that balances on my account were late. They also that the payments were too high compared to loan amount. This is not correct. This is not correct and I do not have any derogatory payments. I called all of my creditors and Bankruptcy court and they told me nothing was late and that I would have to call Experian directly. Experian told me that this has to remain on my credit report. I am upset due to this because I made my payments on time. I shouldn't have negative, derogatory marks on my credit report because I made my payments on time. This is not fair and it is unjust. 

The information is untrue. Experian has me documented for 11 late payments which is untrue and 4 negative reporting. This information is untrue as well. The credit cards reported late are a total of 11 which are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX. The 4 negative reporting are XXXX, XXXX XXXX, XXXX, and 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 2017-10-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello Consumer Financial Protection Bureau? I am XXXX XXXX, I am Writing to You All about trying to apply on Several attempts, To apply for a Payday loan at Ace Cash Express. The first time was On XXXX XXXX XXXX. I was turned down due to mistakes on a credit report. Then, I wrote and asked them what happen on the application? They then, wrote to Me again and told me to apply One more time at the same place. I did what they told me to do over the Phone. I applied two times in ONe day? I still was turned down. Then I called the Corporate Office on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXe. Told me to wait on the Certified Letter coming in from her? I did. It came in on XXXX XXXX XXXX. I stated I did not owe them anything so I should NOT have any trouble reapplying for my loan. I waited Until the day, of XXXX XXXX XXXX. I went to the store on XXXX XXXX here in XXXX Tennessee. She then said where is the Letter, I gave it to her, and She laughed at Me. She then, took the information and told me to write all of it down. I did again and fill out the loan application to get started with. I did? She then told me to write on the application my full name address and how much of the loan I qualify for. She then said, Ok? then 2 pieces of Paper come up and she told me, My XXXX XXXX You do not qualify for a loan. I then asked here why? She told me that the XXXX pulled up some derogatory information that was in the computer at the time. I told her my score is XXXX and why are you all using a POS machine on a Payday loan anyway. I did not know we had to have very good credit in order to receive a payday loan. That should not have happen on the third time around. She basically pulled information up so she would deny me of the loan. I then told her, Let me speak to the Owner or the manager. She then told me to leave, because the owner is not here, and I needed to get Out '. She had ran a credit check on me without, My permission or telling me this information. Then they would not let me speak to anyone on it. Calling the texas office, did not help either. they said she did what was right from the start. I do not think Pulling Up a credit Report without, permission or even asking me before hand was Right. This is how I was turned down for the Loan in the first Place. She called me today and asked me to go to other places To Reapply, I said No, I may report this to someone. It is unfair to Me. I do not have anymore gas to go and reapply at the same place or even another store. She then Hung up the phone. I think this is just wrong to do customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you 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 2016-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed XXXX XXXX from my TransUnion credit report I believe XX/XX/2015 and the item was deleted. I am now checking my report report from XXXX XXXX and this creditor is reporting back on TransUnion once again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: DISCOVER BANK
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:
I have recently reviewed my credit report. I noticed that there is a late payment shown for XX/XX/2020 for the Discover Credit Card. I have always taken my credit very seriously. I try to pay off my balance before the end of every month - before the due date. In fact, my current balance is {$0.00} with this account. During COVID-19 Pandemic, I was overwhelmed by obligations with family, work, home, kids, and health. It was a very difficult time. I even had to temporarily request for payment waiver ( aka forbearance ) for accounts. When I explained my situation, Discover Customer Service Representative Supervisor, XXXX from XXXX, said there were no late payment marks in their system. In fact, my account is all clear and I had a " remarkable credit history '' with the Discover account. XXXX said he immediately notified all credit bureaus of this mistake and sent an off-cycle report to confirm that my account is incorrectly marked on all XXXX of my credit bureau 's reports for the late payment of XX/XX/2020. 

I am not sure what is going on exactly. But I am requesting to have this late payment mark remove from my credit report. I would like to have the case reconsidered and remove the negative mark and clear and make current my accounts on the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I knew there would be payments, but the amount they are asking for is not possible. I 've been sent bills for anywhere from {$800.00} on the low end to {$2200.00}. This is more money than I make in one month. I 've explained this many times to many agents after waiting over 20 minutes and getting transferred to multiple people after the shake down from the first level staff. I 've hung up in tears more times than I care to admit. They suggest moving in with my widower father ( in order to save on housing expenses so I can pay my loan bills ) and suggest I get more jobs in order to pay them faster. It honestly feels like I 'm dealing with loan sharks when I call them. I went part time for four years to complete my XXXX XXXX XXXX in another state at a more prestigious University and I owe about four small automobiles worth of payments because I finished my XXXX XXXX in another state that did n't have scholarships available. After graduating XXXX XXXX XXXX, I make {$10000.00} less per year than I did in the year 2000. I 'm simply not making enough to pay the lowest amounts they insist I pay, so I file forbearances and deferments for hardship but feel I could pay something reasonable ( small car payment amount? ) but they just decline to accept it so my interest continues to accrue. I feel trapped in this vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name and another with the same first name have somehow been mixed up together causing my address to show as hers and her name to show as an alias as well as her past history and associated people to be under mine. My car loan is not being reported to any agencies, it does have my married last name but my social security number has n't changed so should n't it still be reported to my credit? Also there are a lot of charges on my background check that are not mine A LOT! Mostly all of them accutally I do n't know how or why theyre there but this could dramatically effect my future employment and housing approval.

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 2017-12-25
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
A qualified endorsement was Tendered and delivered to LoanCare , LLC and it was received by Priority mail Express on XXXX XXXX, 2017 @ XXXX XXXX by XXXX XXXX. This tendered payment is an instrument considered as U.S. Legal tender in the secondary market and is a consideration to pay my mortgage in full and satisfy the mortgage. I have not received any letters or written correspondence at all, and did not receive any notification or filings that my mortgage will be receiving a certificate of satisfaction and or released from obligations.

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 2022-07-23
Company: FinCo Services Inc DBA Current
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 I noticed my XXXX  card was being used I tried calling the numbers listed on line was told 2-3 days for a call back I have all paperwork from then of my reaching out XXXX was taking from my XXXX  card and they wont call me when they email months later they said it wasnt in my favor I want my funds and I have proof they owe me THE COST OF LIVING IS TO HIGH IM A SINGLE MOTHER OF XXXX during these times coming out of Covid 19 and having to still beg for my funds u have no idea what me and my children went threw please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
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:
On XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to XXXX, XXXX and Equifax letting them know that a creditor XXXX is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, XXXX, Equifax, and XXXX are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Wells Fargo has not reported my payment history or correct balance as of XXXX of 2018. 
I have made multiple attempts through credit bureaus and contacting them directly but they're still verifying the wrong information as accurate. I've attached supporting documentation. My current balance is XXXX not XXXX or even XXXX as reported to the credit bureau.

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 2020-06-17
Company: Mr. Cooper Group Inc.
State: RI
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:
XXXX refuses to address a valid credit scoring mistake they have made in conjunction with my loan at Nationstar. XXXX  has refused to accept my documentation showing the error and now has set up a number of cumbersome obstacles to resolving this matter in a fair and honest way. XXXX Report # XXXX for XX/XX/XXXX would not honor my request or a portion of it based on limited information. I have provided XXXX all relevant information regarding a fraudulent report of credit reporting from Nationstar. Nationstar claimed that I did not pay my mortgage on XX/XX/XXXX when in fact their own statements show that I made the payment. However, Nationstar chose to place my funds in an " unapplied funds '' account without explanation or notification. I have made several attempts and provided documentation regarding this " error '' or intentional fraudulent credit report on many occasions yet XXXX continues to deflect, obstruct and obfuscate the matter in some attempt to avoid responsibility. 

I paid the mortgage payment on time and Nationstar has of yet to acknowledge the payment or correct the problem. In addition, XXXX has failed to thoroughly and fully investigate why Nationstar provided them false statements about the credit report and instead has refused all of my attempts to correct this matter and address the error in credit reporting in my file. The attached documentation clearly shows my payment and Nationstar and XXXX 's fraudulent scheme of credit reporting. This is illegal, immoral and should be punishable to the greatest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my husband at the time had left me and my son. ive been trying to get help through bank of America since he had left, we had gotten divorced after. so ive been wanting to stay in our home and complying with every effort to save my home. its been three years that ive been jumping through hoops with bofa and they denied me any type of help! They would rather see me and my son out on the streets than to lower my payments. they told me Ido n't make enough money, nah really, that 's why I 'm asking for help! There has got to be something somebody can do to help me save my home ive sent them the divorce papers and even gotten his name off of the deed so they can just by my income .... ive talked to them on and off just about every week sometimes even two times a week crying and pleading for help XXXX they just do n't care about really helping out their customers I know several people who Bofa has turned away. so I 'm stuck possibly getting kicked out! they told me I was approved for a short sale, so if somebosy offers to buy my home for say XXXX still liable to the rest and still be XXXX out of luck with no home for my teenage son and I!!!! but yet they say if we can be of any help you have our phone number so call us if you need us!! haha what a joke

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