BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have contacted the fraud department on several occasions and have repeatedly stated that these are not my accounts. Up Until XXXX/XXXX/2015 they still have refused to remove these accounts and I am being bothered by harassing call regarding me delinquent account. 
XXXX : Processed Date XX/XX/XXXXDate Reported XX/XX/XXXX-XXXXProcessed Date XX/XX/XXXXAccount Number XXXXCreditor Name XXXX Type Home Electronics Sales and ServiceAmount Delinquent $ XXXXPayment Status Late 60 DaysCreditor Preferred Contact OtherAddress XXXX XXXX XXXX XXXX, SD XXXXComments Statement added because consumer was a victim of true-name fraud : # XXXX # IFCRADelinquent Account : A delinquency has appeared on your credit report. 
Here are the details of this alert. 
XXXX : Delinquent Account : One of your accounts has become delinquent. 
Here are the details of this alert. 
Processed Date XX/XX/XXXXDate Opened XX/XX/XXXXAccount Number XXXXCreditor Name XXXX XXXX XXXX XXXX XXXX , SD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Hello team, I would need your help removing a credit inquiry done by Citi on my XXXX report without my consent. 

On XXXX XXXX, I had requested for a credit limit increase in Citi website and I clearly remember it DID NOT mention anything about pulling a credit report. As soon as I entered my annual income details with expected credit limit and submitted the initial form, I just got a message that decision will be mailed to me later. 

The next day, on XXXX XXXX, I received an E-letter in my Citi account as : " We ca n't approve your request because you currently have the maximum amount of credit we allow without your consent to obtain and review your updated credit report '' This clearly indicated that it needs my consent further to get the credit limit increase along with a credit report pull. Since I did n't want a hard inquiry, I did n't take any action. But Citi sent me another E-letter on XXXX XXXX as : " We 're unable to approve your request because your credit limit is at the maximum amount our policy allows relative to the total income you provided. " In any of the requests which I submitted, I NEVER gave my consent to have a hard inquiry on my credit report. Even the letters which they sent me just mentions about not able to approve the increase because of the income. However I noticed a HARD INQUIRY on my XXXX report from Citi on XXXX XXXX. 

It is very clear that, I DIDNT GIVE MY CONSENT for this hard inquiry. I brought this to attention of Citi customer service immediately and have been following up with them from XXXX XXXX week, but without any successful outcome. Even after contacting them over call, fax, and over website several times, they are reluctant to agree that inquiry was done by mistake. 

I have requested for credit limit increases in the past ( I just had requested one for the same card in XXXX 2014 ) with a hard inquiry and am aware of how the prompts for hard inquiries will be. 

Further, it does n't make sense that they declined my request ONLY BECAUSE my current limit was already maxed for my annual income, which did n't need the credit report at all. 


I would like to escalate this now. Since it is done in error from Citi, I would expect their credit department to get it removed from my credit report. Please let me know if you need any further details. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that were opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. 
I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. 
I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. 
CitiMortgage appears to be charging a late fee on a payment that was NOT late!

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 2020-10-06
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My original loan officer referred me to PRMG due to the XXXX program being cancelled by a lot of companies during the Covid-19. I was pre approved and put a contract on a property on XX/XX/2020 everything was going fine with the new company Paramount Residential Mortgage Group up until the communication became EXTREMELY lax. Weeks would go by without any updates. My file was submitted to XXXX on XX/XX/2020 where it sat untouched until approved on XX/XX/2020, I paid for my appraisal on XX/XX/2020 and no-one picked up my file until or even looked at it until XX/XX/2020 for the appraisal to be done. By then Ive put up extra earnest money to extend the contract and there was still no since of urgency. Ive emailed and called my loan officer and loan processor on several occasions and do not hear back from either days at a time, I left messages with my loan originator boss 3 times before I could get a call back. Our conversation seemed to be going well and was told that he would reach out to the sellers team and inform them on what's going on since the processor nor originator could do. Well I don't believe that call was made because the seller sent over a termination of contract due to being under contract for 4 months and not producing a closing date and not communicating with them on my file. I completely understand the seller decision and highly furious as I've waited this long and losing my earnest money. Not to mention that my lease is up and I'm going to have to sign another lease which I did not want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have a Bank of America ( BoA ) Mortgage since XX/XX/2020. BoA upgraded their mortgage system in XX/XX/2020 and we have been having issues with our payments being recorded correctly ever since. 

My wife and I do split payments from our own checking accounts. It started with BoA not recording a payment sent from my BoA checking account to their mortgage account on XX/XX/XXXX. I called them to notify this and was told by their support staff that this because I paid earlier than the due date (??? ) ( Imagine being penalized for recording a payment earlier ). They eventually located the missing payment and said they would fix this in 15 days, but I never saw it being fixed. It has been downhill since then. 

Every month since then, even though we pay on time ( sometimes before ), we get an email saying our payments are past due. We have already asked them to reverse the emails and fix our payments, but there has been no resolution for 2 months. We have called them at least 7 times and have filed 3 service requests, and have been assured that this will be fixed in 10 days but it never does. Our monthly payment is {$3200.00}, but we do a combined payment of {$3800.00} so that we can cut down on our principal. None of the extra principal payments we make have been recorded correctly for the last 2 months. 

We have received 2 emails so far from BoA saying they will report us to credit agencies for missing our payments. Whenever we ask BoA to reverse these emails, they ask us to ignore them, but when asked for written communication from their end to indicate that we can disregard these emails, we have been asked to take their word for it. This seems particularly unfair, since we have no written proof that the issue is on their end and they are fixing it. 

Overall the communication has been poor and they have not shown any ability of solving our problems for 3 months now.

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 2016-07-13
Company: CITIBANK, N.A.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold checking account on XXXX XXXX, 2016 after receiving an offer awarding XXXX XXXX XXXX miles upon the opening of the account, and completing several activites ( debit card purchases of {$1000.00} and 1 or more bill payments for two consecutive months, all within the first 60 days of opening the account ), with promotion code XXXX. I successfully opening the account, completing both activities on XXXX XXXX. I verified the terms of the promotion code with an online representative, and said that the miles would be awarded 90 days following completion of the requirements, or XXXX XXXX. I waited the stated time, and when they did n't post to my XXXX XXXX account I contacted CitiBank. They stated that since I was not 'targeted ' that I would not be eligible for the promotion. Nowhere on the terms and conditions of the promotion does it mention needing to be targeted, only that I needed to receive the promotion, which I obviously did since I used that promotion code. I submitted another request for them to reevaluate their decision about 1 month ago, however have not heard anything since. Therefore, I believe that I am due the XXXX award miles promised with the terms of the promotion.

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 2016-09-11
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX or XX/XX/2016 I entered into a Repayment Plan with CitiMortgage. The Repayment Plan stayed the foreclosure proceedings in the XXXX County Superior Court. Paragraph XXXX of the Repayment Agreement states that the payments are due on or before the due dates. ( the XXXX of the month ) Payments were to begin on XXXX/XXXX/2016 for XXXX. I did not make the payment on XXXX/XXXX/2016 and did not make payment on XXXX/XXXX/2016. Sometime XX/XX/2016 I called my then homeowner support specialist for CitiMortgage, someone by the name of XXXX XXXX XXXX, to see if the Repayment Agreement was still active or had been cancelled. I added that I had the money to catch up the payments for XX/XX/XXXX and XXXX 2016 of the Repayment Plan. XXXX XXXX said she needed to check " into somethings '' and would get back with me. A few days later, she called and stated the agreement had not been cancelled yet, but that I would have to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to keep the Repayment Plan. On XXXX XXXX, 2016 I sent to CitiMortgage {$2500.00}. I did not make the XXXX, 2016 by the first of the month. On or about XXXX XXXX, 2016 I received an email from CitiMortgage stating my new Homeowner Support Specialist would be someone named XXXX XXXX. On XXXX XXXX, 2016 CitiMortgage sent me an unsigned letter stating that my Repayment Plan would be cancelled. I then called XXXX XXXX and was essentially told that XXXX XXXX made a mistake in taking the payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and that she did n't go through the appropriate underwriters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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 2016-02-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've called the company and explained, that I 'm trying to buy a house. Also I 've been on-time for a while can you please help and take some lates off my account the company refused my request.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX have not gotten an update report since XX/XX/XXXX. 
I also notice on my report that there is inaccurate information on there not needs to be fixed ASAP. I have even the credit agencies notice and they have not fixed anything. 
this is effecting my job status as well as my home buying progress. I need help ASAP. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized PREMIUM Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold account last year. I still have not got any promotional offer from them. I have sent them a message after I opened this account. It takes forever. 


Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Hello, good afternoon, and welcome to Citibank Online messaging, my name is XXXX. Thank you for your message regarding your promotion requirements. I will be happy to confirm this for you. 
In review of your account, I can confirm our requirements for XXXX are satisfied for this promotion, as you had mentioned. 
Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card, which must be posted to the new checking account. 
One qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
Now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/XXXX and our 90 day requirement will begin from the XX/XX/XXXX statement. You should receive your reward incentives no later than your XX/XX/XXXX statement. 
Here at Citi, we take pride in finding solutions for your financial needs, and I am pleased to have provided your requirements confirmation and timeframe of expected incentives. 
I invite you to share your opinions about the service you received. Please click the link below to take a short survey on your contact experience. You will need the reference number listed above to complete your feedback. 
Send Your Opinions Thank you for choosing Citigold. Have a great rest of the week, XXXX XXXX. 
Citigold Services at XXXX. Internationally, you can call us collect at XXXX. TDD/TTY Service is available at ( XXXX ) XXXX. We are available to assist you 24 hours a day, 7 days a week. We appreciate your business and the opportunity to serve you. 
Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services CIN : 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 2016-12-09
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted at my workplace after informing that I and the company I work for does not allow and appreciate calls from solicitors and debt collectors.

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 2016-02-27
Company: Aspen National Financial, Inc.
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Every time I get a call from the company it the same guy. He hang up the phone on me. Demand thing. Rude, disrespectful, just mean and rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of this year I purchased tickets for a show. I late discovered I could not go. I contacted the vendor requesting a refund. I received no answer. I then contacted citi and requested they dispute the charges. The show was subsequently cancelled. I provided this information to citi. Yet they still sided with the vendor. I paid for a show I did not attend. This is unfair and deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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 Bank # xxxxxxxxxxxxx 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

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