BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: U.S. BANCORP
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently paid a XXXX dollars credit card debt by way of Fasfa Student loans and was unsure how the process was going.

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 2022-08-29
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2016-07-05
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
The new balance information on this credit card statement is deceiving because it does not take in consideration the credits or payments made. So when I look at my bill it looks like I have to pay more than I owe the credit card company. All my other credit cards the new balance is calculated is like this : previous balance less payment & credits plus purchases = new balance. 
Also I have this bill in autopay, so the money is taking out of my account so the credit card is to be paid in full every month, but by adding the amounts on my credit card statement of XX/XX/XXXX my new balance does n't match the amount of the payment taken by Nordstrom from my bank account, which is showing on XX/XX/XXXX statement. It looks like Nordstrom did not take {$9.00}, and I do n't see this amount anywhere in the credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2016 we had some Tile Flooring installed at our home by Best Buy Flooring, XXXX XXXX XXXX XXXX, Nevada in the amount of {$4500.00} which was financed by a new 18 month same as cash account ( XXXX ). When we made the application we were asked for a credit card for additional identification which we used My Best Buy Visa Card administered by Citibank. 

When we received our Best Buy Visa Statement ( Closing date of XXXX/XXXX/2016 ) it showed a purchase in the amount of {$7500.00} dated XXXX/XXXX/2016 to Best Buy Flooring XXXX. We did not make or authorize this charge. I called customer service to dispute this fraudulent charge. Our credit limit at that time was {$4100.00}. I asked why a charge over our credit limit was accepted and was told someone there approved it because I was a good customer without even bothering to contact me to see if this was OK. The original account was closed and a new account number was issued. I was sent a DECLARATION OF UNAUTHORIZED USE form which I filled out and returned. 

I received a reply from Citibank that this was not a fraudulent charge because I had initiated contact with this merchant but was instead a Billing Dispute. I again disputed the charge and received a letter that it was denied wihout explanation or documentation. 

I contacted the merchant who said that they could not find the transaction in their records. 

I did not make a purchase in the amount of {$7500.00}. I did not authorize a charge to my XXXX account for this. I can not get Citibank to reverse the charge. They could not have done an investigation into this or they would have removed it from 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 monetary relief
Consumer complaint received 2016-09-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
We had Citi Cards before but cancelled all of them because bad services and rude behaviors. But we were forced to switch to Citi XXXX as XXXX changed the credit card partner because we were XXXX member. 

Only XXXX XXXX bill cycles, we cancelled the Citi XXXX because their unreasonable behaviors of Citi Cards. We are serious thinking if we should keep the XXXX membership right now. 

We received the first statement in late of XXXX, the due day was XXXX XXXX. When we did n't receive the statement in the early XXXX, I called Citi Cards, asking to resend the statement. Citi Cards refused to do so because I was not the account owner. My wife worked 60+ hours per week, she was busy, and exhausted after getting home, so I handled the bills. What I asked is to send the same statement to the same address, not change anything of the account. I did ask other credit companies to do the same, never have been denied. 

Citi Cards told me to wait, it may take longer time to deliver. But the statement did n't come, I called Citi Cards another two time to report the problem, they still refused to resend the statement. However, the lady I talked to in my third call said that you would be charged late fee, the combined bill would send you soon. 

But Citi Cards charged late fee. I called back, complained. After long argument, Citi Cards agreed to waive the {$25.00} late charge. But it has never been disappeared in Citi Cards voice message. 

We received the XXXX statement, the due day is XXXX XXXX. But Citi Cards blocked my transactions in XXXX XXXX. When I called them why, the lady said that I did n't pay the bill 21 days after due day. I said the due day is XXXX XXXX. She said XXXX due day. I said that I had already talked to XXXX representatives about the XXXX statement we had never received, the due day on the new statement is XXXX XXXX. She insisted that I had to pay the bill before Citi Cards unlock our cards. I asked to cancel the cards, she said that she was not working in cancellation department. Then I asked her to transfer to cancellation department, she said that you could not cancel because you are not the card owner. Then I asked my wife to talk to her, she still argued that we did n't pay the bill on time. After my wife told her firmly many time, please transfer me to the cancellation department, she just cancelled our cards immediately, not saying I am not cancellation department. 

Horrible experience.

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 2017-02-14
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They make it impossible to pay back, on time and always add negatives to your credit report. Hold times are ridiculous when calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor 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 non-monetary relief
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX  Account charged off. {$640.00} written off. {$640.00} past due as of XXXX 2020 Continues listing a new charge off every month Shows balance owed even though should get a XXXX and XXXX  balance if it is a write off First complained that they listed one account as 22 charge offs Now they have it listed at 21 charge offs this is not fair and seems like they are somehow doing this to more people than me and creating a credit report nightmare XXXX Since first complaint Corrected balance but arbitrarily listed date to reflect this month instead of initial charge off date In my first complaint they listed 17 charge-offs now they arbitrarily created 8charge offs These three companies are listing information that can not be trusted whatsoever The XXXX  XXXX XXXX has two accounts listed on with 9 charge offs and one with two charge offs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Equifax as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 28 total. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We completed a " Loan Modification Agreement '' ( Providing for a Fixed Interest Rate ) with our existing loan servicer ( XXXX XXXX  ) effective XX/XX/2020. After which our loan was ( Transferred / Sold ) to Select Portfolio Servicing, Inc. on or about XX/XX/2020. A letter dated XX/XX/2020 came to us notifying us that we will have an increase in our interest rate on XX/XX/2020 to 4.5 % and that our payment will increase to {$2300.00}. I immediately called Select Portfolio Servicing and informed them that we had signed that modification with a " Fixed Interest Rate '' and asked them to honor that agreement they ( assumed/ bought ) earlier in the year. The Account service person informed me that they would send that agreement to their " Underwriters '' and that they would contact me  within 5 days. How can this happen with a " XXXX XXXX XXXX '' Licensed under California State laws??? As of the date of this complaint, I have just got off the phone with Select Portfolio and  have not heard any remedy yet. I just hope this sort of " Bait and  Switch '' practices does not extend to anyone else this company services.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
lexisnexis consumer center provided information to XXXX XXXX is incorrect. They state I had a speeding ticket on XXXX18 I have not had a ticket in over 40 years. They state I had an accident on XXXX18. I have not. My mother was driving my car and she did have and accident my insurance company did pay. I was not there. I tried getting a hold of this company but you can not They say that they will send a copy of my report within 30 days but my insurance company cancels my policy in 17 days I paid for a copy of my driving transcript with wa state dol and there is nothing on my record XXXX is my auto company coverage and they show nothing So I want to know where they are getting this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I paid off my mortgage in full. Upon payoff, I was supposed to be reimbursed the proceeds from my escrow account. Despite repeated messages and calls, as of XXXX XXXX, 2020, I still have not received the proceeds from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rubin and Rothman had placed a judgement against me. I made an settlement offer of {$4300.00} which they excepted on XXXX XXXX, I have still not received any paperwork from them to vacate the judgement as they have agreed on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I have to no avail brought this issue regarding a 30 day late payment Citi reported on my credit report for XXXX 2015 for my CitiBank Sears card. 


There was an incompetent bookkeeping service paying my bills at the time and feeding me incorrect information regarding my finances and expenses paid. They falsely showed the Citi card account balance of {$150.00} odd being paid in full in XXXX 2015. I only found out about this issue in XX/XX/XXXX when I returned back home from a business trip, and found the 30-day late payment on my credit report. At that time I reached out to my bookkeeping service and told them about the issue, they called Citi on my behalf to make a payment by phone, but apparently the bank account number got transposed and that payment would bounce due to this. 

On speaking to Citi bank they asked that I forward them the documentation from the book keeping company to validate what had happened and they 'd then remove the late payment from my credit repor. I forwarded not only the letter from the book keeping company but also sent Citi my XXXX XXXX account statements which showed balances between {$130000.00} and {$88000.00} at the time the payment was missed and when the payment made bounced. However in spite of this Citi simple responded back by stating this was not their problem and they wo n't be removing the late payment.

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 2022-08-29
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: FL
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:
They did not resolve the issue. I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY Fourth COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD. I HAVE USED THE RESET BUTTON AND I AM UNABLE TO ACCESS MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding has put on my credit report saying I owe them {$4400.00} dollars and changed the date of when I opened an account as XXXX XXXX, XXXX. I never opened any account back in XXXX the whole year for credit card or anything. I think this possibly is an old debt back with XXXX XXXX in XXXX so they have no right to put this negative information on my report. I want them to delete this inaccurate information ASAP so I 'm sending this to you and also will send them a Debt Validation Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
There is a letter enclosed explaining the issue. QUALITY ACCEPTANCE LLC, committed a series of FCRA regulations as well as never contacted us to let us know about the auction of car, nor ever given us a receipt for auctioned car, and not selling car for blue book value, as well as not honoring agreement to lower the 19.95 interest rate after a year, putting us in collections when QUALITY ACCEPTANCE failed to give us not only auction slip but to warn us of auction, so we could have possibly bought car, sending letters threatening to sue without intent. In one year and 3 months, we paid including auction car that was under sold by {$3000.00}, we paid {$14000.00}, plus {$2000.00} down payment, and have no car no nothing to show due to QUALITY ACCEPTANCE illegal dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LTD Financial Services is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever have signed ANY document, agreement, or application with them. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
We have a mortgage on our XXXX house which is a manufactured home. It is an adjustable rate of 8 % and it never goes lower. I thought it should have gone way down when the rates declined. My daughter has tried to purchase it and nobody will finance it for her. It is on a permanent foundation. It seems like the loan never goes down and is all interest since we bought the house. We refinanced over 10 years ago and it has hardly gone down. If manufactured homes are such a risk and nobody wants to finance them then why are they allowed to sell them in Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Late fee

Complaint:
I received XXXX calls in XXXX day from citi bank XXXX not the original bank when I applied for the card in 2006 XXXX representing my best buy XXXX in attempt to collect a past due balance I was unaware of and thought I had paid. A {$20.00} late fee was applied to the account, but being that I have been consistent with my payments and was an honest mistake requested that they remove the late charge towards the minimum balance.They refused saying they will only credit the amount which does not help me. In the past companies are forgiving and will lower your minimum contingent that this is not a habitual occurrence and you promise to pay or set up an automatic electronic payment for the balance which I stated to them I was more than willing to make. I requested that they honor this business practices which I was familiar with especially since I NEVER agreed to those terms citi has changed how the handled late fees. I believe one 's money should not be help hostage, just like a thief is not allowed to keep what he stole under the condition that it technically belongs to you and its there for you. Through many years of loyalty they have also refused to lower my exceedingly high interest rate despite multiple request and multiple current payments and use.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief