BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 identity may have been compromised. 

The following inquiries are unknown and were not authorized. They are fraudulent. Please remove the following unauthorized credit inquiries on my credit profile. 

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 non-monetary relief
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 an account without my written instructions My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I 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 2015-07-29
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I had a CD account with Citibank that is now closed. The account was closed approximately XX/XX/XXXX or thereabouts. A Citibank counter check or cashier 's check was issued on XX/XX/XXXX and cashed a couple days later XX/XX/XXXX. The payee was myself. However, I myself was not present at the Citibank branch on either of those days, nor did I authorize anyone else to close the account. ( I just found out about this fraud in XX/XX/XXXX when I went in to check on my CD account. ) Now that I am disputing the check, Citibank Manager is telling me the check is a fraudulent check which they trace back to a Delaware account for multiple fraud issue cashier check and I never had a account with them. Bank manager is telling me they can not locate any information or account number under my name or social security number. Unfortunately, I do not have the account number but I do have letter stating amount deposit along with letter stating when CD account will mature. However, because I do not have an account number and there 's no record showing up for an account under my name Citibank does not want to do anything for me. The challenge in this case is time, the account was closed in XX/XX/XXXX and it is now XX/XX/XXXX they 're telling me their record does not go that far back because it has been purged, not only that, there was never an account open under my name or social security number. Also, the branch I deposited the money at has been shut down, therefore, I had to go to a different branch location. I have try everything from calling customer service to talking to branch manager to filing an " affidavit of forgery '' with no luck. Now I am stuck with filing a police report and waiting to see what happen with my case. I believe this is some sort of fraud within Citibank employee because I know I deposited money into a CD account with Citibank itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Around XXXX of XXXX, I opened a XXXX checking account with Citibank. The reason why I opened the account was because they were running a promotion for new customers who opened an account. The promo was for XXXX XXXX XXXX miles if you opened a checking account and met the requirements. The requirements were to : 1. Use the debit card associated with the account for {$1000.00} or more. and 2. Do at least one bill payment on the account for two consecutive months.I opened the account, verified with the representative that the offer would apply to my account and she confirmed it was applied. I fulfilled the requirements and messaged Citibank securely to confirm I met the requirements. I received a response confirming I met the requirements and to wait 90 days after the month I had met the requirements. They gave me a date of XXXX/XXXX/XXXX as the latest day the points would post. 

I inquired about the status of the promo points after I noticed the promised date had passed and the points had not posted. They opened an inquiry and I recently got a response saying that I did not qualify for the promotion after all. This is after confirmation on three separate occasions that I was enrolled and met the requirements. When it came time for the points to post ( and after several months of fees of {$30.00} each ), they now say I am not getting the promo as promised.

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Consumer XXXX XXXX  Deleted XXXX XXXX XXXX Texas on XX/XX/2022. Bankruptcy is still showing on report. Based off the credit laws, if items are incorrect or inaccurate they should be removed from 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 non-monetary relief
Consumer complaint received 2022-05-22
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 information incorrect

Complaint:
I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 an account without my written instructions My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have a mortgage with citizens bank for my home for a small amount, maybe 10-15 % of its market value. i have had this mortgage since 2012 and make my payments in a timely manner. i opted to pay my own taxes and have been doing that, but possibly twice i underpaid or was late in a tax payment and citizens bank insisted that they needed to set up an escrow account. These events were unusual for me, coinciding with a trip abroad and then an emergency in the family and i rectified them as soon as i was aware. As i have been paying taxes, they have paid overlapping payments, requiring refunds which seem to be sent to them, or payments forward. The escrow account that they have set up demands an amount for escrow that is outrageous, resulting in approximately a 50 % overage by the end of a tax year. i have tried to call the person at citizens bank who manages my account but she is " away from her desk or on another call '' EVERY time that i call and never returns a phone call despite my messages. customer service keeps referring me to her and assures me that they have contacted her department and that i should expect a call back. 
i want to pay my own taxes. i also want citizens to be put on notice that they are not allowed to charge excessive amounts to any of their clients and that customer service should include answering phone calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently sent a payment to XXXX XXXX in the amount of {$25000.00}. XXXX never received the payment and when I inquired to my bank ( XXXX ) on the status of the check, I was told it was cashed by XXXX XXXX. I then contacted XXXX XXXX and they have no record of the check being cashed although there is a copy of the cancelled check cashed by XXXX XXXX. Neither bank wishes to take responsibility for the payment/disbursement.

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 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For four years, from XXXX XXXX, XXXX though XXXX XXXX, XXXX, Bank of America has never provided written notice on appeal, or any notice detailing the exact reason ( s ) for denial on appeal, or aprovided any statement indicating one can obtain the documentation in which a denial is based upon. 
Upon receipt of my complete RMA application for a foreclosure prevention alternative offered by, or through, the Bank of America mortgage servicer, a mortgage servicer, trustee, mortgagee, beneficiary, or authorized agent, Bank of America shall not cause he recording of a notice of sale or conduct a trustee 's sale while the complete foreclosure prevention alternative application is pending, and until the borrower has been provided with a written determination by the mortgage servicer on appeal regarding that borrower 's eligibility for the requested foreclosure prevention alternative. Following the denial on appeal of a first lien loan modification application, the mortgage servicer shall send a written notice to the borrower identifying with specificity the reasons for the denial and shall include a statement that the borrower may obtain additional documentation supporting the denial decision upon written request to the mortgage servicer. If foreclosure alternative is approved of in writing, servicer can not record an NOD, NTS, or conduct a sale while borrower is compliant with agreement, or has provided servicer proof of funds/financing, or is awaiting the written notice in accordance with California Civil Code 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 2016-12-01
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan account with Navient is set up to automatically draw from my bank account. The amount withdrawn is greater than the minimum payment for all of the loans combined each month ; however, every month for the past number of months I have been charged a late fee. I contacted Navient and was informed that there was an issue with the allocation of payments, leaving some loans overpaid and some underpaid. They assured me that this would not happen again, yet it continued. For the months I did not realize this was happening, it negatively impacted my credit score. Although I was reassured monthly that this would not happen again, it continued happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Reverse Mortgage Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Every year, the documents this company requires apparently get misplaced by them. For the last 7 or 8  years, they have requested a signed certificate of occupancy or proof of insurance 3 to 7 times per year. Each year, they repeatedly request proof of insurance and proof of real estate tax payment approximately 4 times in a row, despite the fact that I send these proofs each time.I have attempted to send documents by mail, fax, and email. 

In XX/XX/2020, I filled out the certificate of occupancy by hand and mailed it. Weeks later, I was accused of not having sent it. When I offered to send it by email attachment, a XXXX XXXX sent me an email request in XX/XX/2020. I typed into the .pdf of the certificate of occupancy and signed it by hand, then attached it to my return email. On XX/XX/2020, Ms. XXXX called to say that the date had to be handwritten in, not typed. I immediately emailed an attached 2nd copy with the date written in. A couple months after that, Ms. XXXX called to say she did not recognize my signature. It is my signature. She insisted I go to a notary. I explained that I did not want to go to a notary because of the Covid-19 epidemic. 

In XX/XX/2020, a XXXX XXXX from the company called me with the same demand for a signed certificate of occupancy. This time she told me to send a copy of my utilities bill attached to an email instead as proof of my occupancy. I did this promptly. 

Right before leaving for vacation about 3 weeks ago, I received a XXXX from said XXXX XXXX dated XX/XX/2020, demanding that I AGAIN sign the same Certificate of Occupancy. It offered the option of faxing my response but did not provide any fax number. I had to call the company to get that number, and then I faxed the same signed form, again, dated XX/XX/2020. I have uploaded 3 documents that show they received the same information on XX/XX/XXXX and XX/XX/XXXX. But they also demanded the same information 3 more times. 

To me, these constant repeated demands seem like harassment. A few months ago, the company went through bankruptcy. This behavior, demanding the same documents again and again, have increased since then. I live in my home and am never absent from it for more than a a month of two,  during summer. No one else rents it. I feel that I am being harassed in a desperate attempt to foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I ca n't view my credit reports and YOU are costing me Section 8 Housing. The apartment complex denied my residency. I only have a few days for an appeal. HELP me, PLEASE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Over a week ago, I deposited a {$5000.00} cashier check via the ATM. A hold was placed on my account. I contacted Bank of America to tell them that I 've written checks and I need the hold off of my account. I can not understand why they would place that type of hold on a cashier 's check. My property tax check for {$3.00}, XXXX was returned. I contacted them today to ask that they pay that check because an additional delay means I will owe the XXXX of XXXX additional money. They refused to pay the check. Meanwhile, they are charging my account for overdraft fees because some checks are coming in. This is almost criminal. It would be different if it was n't a cashier 's check. How much verification does XXXX need in order to release those funds. I can not afford to pay those overdraft fees and the additional money to the XXXX for my property taxes because Bank of America decided to withhold what I perceive to be basically a cash deposit. Is this there way of collecting fees from their customers by forcing them into an overdraft status? This is wrong. I 've been with them a lot of years and I deserve better treatment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: SC
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:
Well first of all let 's be clear, since you are THE LAW that these agencies have to obey, I figured you could get the ball rolling faster than me. On XX/XX/XXXX I decided to look at my credit report, so I downloaded them and I instantly noticed that my SSN is incorrect, My vey next thought " I know this is not GOOD '' and to top it off it's on the credit agency that's most popular one of the three. And then you let a company close an account and then open back up the very same day, 6 ( SIX ) TIMES. And then to top it off I had 70 INQUIRIES from XX/XX/XXXX to XXXX. 70 MISREPRESENTATIONS. That's just for 1 FULL YEAR. That's why I am DEMANDING a " credit file disclosure '' I need to know how far does this incorrect SOCIAL SECURITY NUMBER goes back, And NO ONE attempted to contact me at ANY TIME for FRAUD, to make me aware that my SOCIAL SECURITY NUMBER had been TAMPERED or MY file had been UPDATED just as they had AFTER I saw my REPORT for being DENIED for CREDIT from EXPERIAN MISTAKE. Experian, This is the reason I DEMAND FULL " FILE DISCLOSURE '' XXXX and XXXX has the correct SSN. You don't how that feels as soon as you open your mouth, someone says " YOU'RE LYING ''. for someone MISREPRESENTING you. Whom also never had MY consent.

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