BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am the trustee for my parents estate. I spoke with Costco Citibank to close my mother 's account on XXXX XX/XX/2022. 

Subsequent to the credit card closure, there were additional charges made on this account. This card had been set up for autopay from a checking account, and I realized the discrepancy when reconciling the monthly checking account statement. I do not have copies of the XXXX and XXXX statements to determine whether the charges were fraudulent or not. When I called to inquire, I was advised that documentation needed to be filed ( Death Certificate and the Certificate of Trust identifying me as the executor ) before anyone could speak with me. 

The documentation was filed on XXXX XXXX XX/XX/XXXX ( see attached letter ). On XXXX XXXX I received a letter from Citibank acknowledging they received my letter, but did not address my request for statement copies. 

Numerous phone calls have been since, all with a promise to expedite the request for the two XX/XX/XXXXstatements, and have not received anything. 

On XXXX XX/XX/2022 I spoke with the Probate Department again, and was advised that the area that would provide me the statements does not have a contact number ( phone or mail ), and the most they could do was to put in another request to expedite the request. I also spoke with Citibank Customer Service agent, and was advised they could do nothing to help me - that the Probate Department was the only entity within the company. I sent another written request for the statements, noting that if they were not received in 10 days a complaint would be filed with the CFPB ( see attached letter ).

As of this filing I have not been contacted by Citibank to resolve this issue. My hope is that filing with CFPB will prompt a resolution ; and five months is long enough!!

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 2017-08-31
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Card provides promotional no interest and low interest terms on qualifying purchases. They are very deceptive and fraudulent in the manner that payments are applied in order to maximize interest payments. They offer calling to 'reallocate ' payments towards interest bearing balances which I have done consistently and yet the payments are still off - to date by $ XXXX to date ( harm to me is in extra interest inappropriately charged. ) Was told today ( new information ) that my previous direction to call in was incorrect and that I could only appropriately steer a payment to an interest bearing balance by calling at time of payment ( company does not allow consumer to direct payments, company required to by involved ). I have called and talked about the interest and inappropriate allocations many times and today was the last straw after the escalation specialist hung up on me. The person I talked to understood the problem and said 'any interest charged at billing is due and can not be refunded '. -Not when I ca n't apply a payment to an interest bearing account through no fault of my own!

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 2019-10-18
Company: Rocket Mortgage, LLC
State: MD
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:
Received a phone call from Quicken loans regarding refinance of my mortgage on XX/XX/19. Explicitly stated I did not want my credit pulled. Asked me to confirm my DOB to pull up my credit profile, was never told this would result in a hard credit pull. Tried to resolve with Quicken but was told this is how they confirm consent. Also pulled my wifes credit despite her not being on the phone and myself never confirming any of her identifying information. The loan officer who pulled credit was XXXX XXXX and the person I tried to resolve with was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My Transunion credit score has dropped from XXXX to XXXX in a weeks time due to me shopping around for a loan for a new house. 

I was told, which I believe is correctly, that shopping around for a loan in a specific time frame should not impact my credit score. IE multiple inquiries for Mortgage within a 45 day timeframe should count as a single inquiry. 

However, Transunion is showing multiple inquiries and impacted my score significantly. ( -45 points )

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 2022-08-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax, XXXX, and XXXX are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. XXXX  website quotes " XXXX supports the CARES Act '', so why is it still on my credit report? XXXX and Equifax and XXXX are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First and foremost, I did not give permission for XXXX or any other company to give my information to any third-party agency. XXXX did not obtain permission to give my information to XXXX XXXX XXXX or Equifax. Secondly, I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: MS
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:
Last XXXX Ive sent a dispute letter regarding those inaccurate and unknown accounts Ive found on my credit report. It's been almost 30 days today but I haven't received any response. I demand to delete those accounts or I file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.

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 2017-04-20
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I receive my  XXXX  monthly payment at the  U.S. Bank  located at  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX ,  XXXX . Since I had a large number of {$20.00}, I entered the bank and requested they be exchanged for {$100.00} bills. The teller informed me that I had to be an account holder to do that type of a transaction but she would do it this time as a courtsey.???   1 - The  XXXX  account is  US  Department deposit only, meaning that I can not deposit funds into the account. Only do withdrawals and debit purchases, from which this bank gets an income in purchase fees.    2  - This bank should reconsider this policy or their ATM machine disburse funds in larger bills, instead of {$20.00} 's.

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 2017-04-18
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am attempting to refinance my home and the mortgage company requested a pay-off form to be emailed to me. I called because of course this function is n't available online. When I finally spoke with a person after being hung up on by the " automated assistant '' they said it would be emailed out to me right away. I still have not received this form and it has been more then  XXXX . I tried calling back and they put me on an infinite hold after I state my name and they see I have called before. I have since lost my home loan rate and will not be able to refinance because of the inability to obtain a  ONE PA GE FORM stating the remaining balance of the loan if I paid it off to be given to the underwriter. I have worked in customer service and have never received as poor of service as I have in the past  XXXX , and not only that they COST ME MY REFINANCE. I have spent months trying to get approved and hundreds of dollars on an appraisal and thanks to  Navient I  am unable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a vehicle which I voluntarily turned in for a repossion in XXXX on XXXX. Since, that time I have made a number of attempts to resolve the outstanding balance. Specifically, on XXXX XXXX I left a voice mail message which was never returned. I again called on XXXX XXXX, XXXX and spoke to a representative in the Wells Fargo XXXX XXXX Account department as I was prepared to begin to pay off or make a final settlement arrangement for the outstanding balance of {$5000.00} and to request that balance to detract the {$2300.00} which was what my vehicle was sold for which would have left an outstanding balance of {$2700.00} and I was prepared to either pay this in full or make appropriate settlement arrangement. I was informed that they would accept NO money towards this outstanding debt and was told that Wells Fargo does not sell any of their accounts to any third party collection agencies and was told that they do not. I did ask for any other options which may be available and was told no that my only option is to allow it to remain on my credit report for the remaining XXXX years.

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 2017-08-31
Company: Experian Information Solutions 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:
There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local XXXX XXXX in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022, I went onto the Pentagon Federal Credit Union ( PenFed ) website and applied for the PenFed XXXX XXXX XXXX XXXX XXXX. After submitting the application, it automatically directed me to the application approval page for the PenFed XXXX XXXX XXXX XXXX XXXX. Not only was it not the card I applied for, the terms, conditions, benefits, and promotional offers are completely different. Now I have one additional hard credit inquiry on my report and a credit card I do not want. 

I communicated with a number of representatives from PenFed attempting to resolve the issue. They confirmed that my application was indeed for the PenFed XXXX XXXX XXXX XXXX XXXX, but their credit card department decided for me that the other card was more suitable. So they changed my application to the XXXX XXXX XXXX XXXX XXXX without my consent. 

I have applied for many credit cards before, and the applications were either approved or denied. Never had I encountered a situation where the financial institution changed my credit card application without my agreeing and gave me a card I never applied for.

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 2017-08-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have received multiple call from this company regarding several charged off credit cards I have. I talked to a rep and told them i am in the process of filing bankruptcy. The person was very rude. I said please do not call me again. And yesterday i got a call @ work. Actually it was left on a voicemail that didnt belong to me. They have also disclosed information about trying to collect on my cell phone which doesnt id me and used by someone other then myself. This message was left on a general mailbox which specifically asked for me. And it was an autodialer. I want this stopped or i will file a lawsuit for an fdcpa violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: SUNTRUST BANKS, INC.
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was using  XXXX  for the first time to secure an apartment for a family vacation to  XXXX . I found a great-looking apartment and emailed with the " owner '' through the  XXXX  website. I asked a lot of questions and she answered them -- lots of back and forth emails re : neighborhood, smoking/nonsmoking, pets, etc.   She requested that I send the full balance for the apartment via wire transfer to secure the apartment for the selected dates. Because I had never used  XXXX  before, I did n't know that this was n't the normal protocol. I received a formal confirmation email from "  XXXX  '' that looked totally legitimate -- logo, confirmation number, etc. I wired the money -- including a security deposit that I was told I 'd get back if everything was in good shape when I departed. The total was {$1400.00}. The week before my trip, I emailed the " owner '' requesting the address and inquiring how to get the key. When I sent off this email, I realized that I must have been duped. I contacted  XXXX . They told me to contact my bank. My bank required me to go in in person and then told me that there was nothing they could do for me -- that I should contact local police. I have NO idea what m y local county po lice could do about international wire transfer fraud, so I am submitting this complaint/claim through CFPB in hopes that there is some recourse that I can pursue with the bank to which I made the wire transfer. Thank you for your assistance.

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 2022-08-15
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I filed a CFPB complaint about a previous improper repossession by Ally on XXXX XXXX. On XX/XX/XXXX, the bank closed my account and sold my loan to another creditor. I was not aware of this until XX/XX/XXXX, when I checked my loan account. The bank accepted my payment, however, has made certain functions on my account unavailable. I called the bank to inquire about this, and they said my car was repossed, I asked what were the options of restoring my account back to normal, and the agent said I needed to pay the entire amount. The agent from the bank, who was supposed to contact me, regarding my first complaint, has not returned any of my calls, and the agents pretend they cant hear me when I call the main line. I believe they are trying to repossess my vehicle unlawfully yet again, in response to my first claim.

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 2022-08-15
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:
Dear identity theft victim. 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 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 2022-08-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My sister, XXXX XXXX has opened credit card accounts using my name and social security number. This has been occurring since XXXX. I just noticed these accounts on XX/XX/XXXX. I am currently trying to close and report the fraudulent accounts. They are credit cards through Citibank, CBNA. One Citicard account was opened XX/XX/XXXX and one was opened XX/XX/XXXX. Another account I would like to report is a XXXX credit card from XXXX bank which was opened XX/XX/XXXX. None of these accounts were opened by myself, as I only have one XXXX credit card account and one XXXX XXXX debit card and saving 's account. 
Current balances on the fraudulent accounts are as follows : Citibank XX/XX/XXXX : {$2400.00} Citibank XX/XX/XXXX : {$1200.00} XXXX XX/XX/XXXX : {$400.00}

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