BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I was the victim of identity theft and fraud. My information was phished and the thieves used my information to XXXX the last XXXX dollars to themselves and proceeded to open a personal loan in the amount of XXXX. I immediately called citibank and reported the fraud. I was told that my account would be locked and protected. During the time of the ongoing investigation my paycheck was direct deposited into the locked account. I have called several times to get help to regain access to my account as I need the money to pay bills, buy food, and get gasoline so that I can go to work. I have XXXX small children and a sick wife and I can not go on without my money. When I call into CitiBank to explain my situation and get some help I get told misleading information. I was told to go to a physical branch and they could resolve my case. I drove two and a half hours to the nearest branch and was told that there was nothing they could do for me. I called for an update on my case as I have received no information or updates and was bounced around from wrong department to wrong department and eventually hung up on. I have clearly explained my situation to every person I spoke to and yet it seems as if there are no notes on my case being recorded and no action taken to resolve my issue so that I can have my earned money. They are holding my money hostagXXXX and refuse to offer me any solutions or help. Being ignored, and given false information and not being able to access money that is mine has left me struggling and XXXX. There should be an easy solution to my problem. I've done everything they've asked, I've provided them with a great deal of detailed information and yet there is no communication from CitiBank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TekCollect Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Friday XX/XX/XXXX when I checked my credit report I saw a medical collection of from XXXX XXXX placed by Tek Collect Inc. I have never received services from XXXX XXXX and when I reached out to Tek Collect via phone they said in order for me remove this negative marker from my credit report I have to send them a XXXX  of the amount. 
I informed them that this is not my account and they have never sent me any documentation in regards to the debt. They provided me an address where they said that a letter was mailed to which doesn't belong to me. They still said that I will have to pay them to delete the negative marker from my credit report which is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently refinanced my home and closed on Thursday XXXX XXXX. I was supposed to receive fund disbursements following the closing and I've yet receive any funds. I have spoken to XXXX, XXXX XXXX XXXX  and Rocket Mortgage as they are the parties involved. I have attempted several calls with messages and sent emails to XXXX 's dispersement representative XXXX XXXX and He has not responded to my concerns. It is approaching 2 weeks and I have a mortgage due with the prior mortgage holder that has not been satisfied and paid from XXXX. I need a resolution ASAP as XXXX, XXXX XXXX  XXXX and Rocket Mortgage appears NOT to be concerned. Please help with getting a complete resolution regarding this matter..Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: VA
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 am a victim of identity theft and my name was used for a loan with company XXXX XXXX XXXX XXXX  i have reported it as fraud and it has been removed from my experian and transunion report but equifax won't remove the account. it is XXXX XXXX XXXX and is causing detrimental effects on my credit report and my ability to qualify for credit. i have done all that I've possibly can to have this issue resolved and nothing is seeming to work. equifax has also been reporting false balances and false credit scores to companies and have caused me to be denied credit that i am sure to be approved of if they were to report the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this account twice with Equifax. There has never been a proper investigation done. The only thing the company did was send me my credit report with the account still listed. The account does not belong to me. I asked for it to be verified and they did not contact the company just sent me my report 2-3 days later. How is an investigation properly done so quickly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched XX/XX/2018 statement confirming previous balance {$1100.00} payments {$77.00} other credits {$700.00}. NEW PURCHASES IS INACCURATE I DID NOT PURCHASE NEW {$680.00}. These are the * USAA Hidden in Secret ( secrets are lies ) UNAUTHORIZED FRAUD INTERNAL New Purchases NOT MINE. {$9.00} XXXX XXXX XXXX XXXX XXXX. USAA FRAUDULENTLY FRAUDS CONSUMERS WITH HIDDEN INTERNAL CREDITS TURNED INTO NEW PURCHASES IN SECRET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Disputed this collection on XXXX and it was Verified Accurate in XXXX-3 business days on XXXX. 
1. This account was removed before as it is not my account. 
2. I have no knowledge of this account. 
3. I followed up with my XXXX XXXX XXXX who advised I am not in collections and do not have a current balance. 
This debt is frivolous and should be removed immediately. How can an item be disputed and verified in 2 business days? What is the process for verification? What information has the collection agency provided that this collection is valid and in my name? How was I able to have XXXX service if this collection is stating have an over due collection balance of XXXX. XXXX? 
Please remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX and XXXX am submitting this complaint myself about continuous violations from Equifax. 

Equifax keep reporting inaccurate information about me without permissible purpose. I have given Equifax written instructions on how to report ANY information about me yet the issues haven't been resolved. 

My name, address, number, etc is reporting inaccurately and demanding Equifax to report accurate information about me, the consumer. 

Furthermore, an account was reinserted by Equifax and want to know what methods were used to make this conclusion. Did the company provide a wet-ink signature to Equifax to XXXX this account with XXXX XXXX XXXX XXXX If so, please provide the relevant information as proof of claim for reinsertion. 

Not to mention, the account is reporting without a balance amount, majority of the fields with the account is blank. How is this so, and please provide proofs of claim as to how this is permissible under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX credit cards from XXXX XXXX and XXXX that are not being added to my credit report. The XXXX XXXX card has been open for 11 months. They have confirmed that every month they report my account to Equifax, but equifax does not update my report causing my score to reflect a low score for several months now. They have said to talk to the credit card company instead of taking ownership of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have received a line of credit of {$1500.00} from cashnet USA. They was charging interest on my account everyday until it got up til {$1900.00}. My first payment of almost {$200.00} did n't go towards non of the loan. My next payment of {$280.00}, they charge {$160.00} in interest the rest towards my principles. They take {$290.00} out of my account every XXXX weeks. So they are charging extra interest towards this loan. My balance as of today is {$1700.00}. If I make the payments accordingly to how they are taking the money out of my account, I will pay them over {$3000.00} for a {$1500.00} advance credit loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: CA
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/22 at XXXXXXXX XXXX XXXXXXXX, I called Chase Bank to inquire about a credit card transaction and the rep who answered gave me all the details I requested regarding my account without verifying my identity. I added a mandatory password to my account and asked for a supervisor. The supervisor, XXXX from the XXXX MO location, said she would file a complaint and have someone listen to the call but I would not get any updates or info regarding the resolution. She got rude with me and hung up in my face just because I was concerned for the protection of my personal data. 
I asked for a transcript of the call but she told me I had to get a court to subpoena the record if I wanted it and they would not release it to me. She also refused to give me the name of the original rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODs OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
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:
This was reported Unlawfully..I been trying to get it removed since 2015

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 2017-07-27
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This letter explains the hardship situation which caused me to fall behind on my mortgage payments. I would like to be considered for an Unemployment Forbearance. I have been in/out of work since XX/XX/XXXX, I have not been working continuously since XX/XX/XXXX. My main goal is keep my home for the long term. I am activity seeking employment and plan to be back at work with the next 2 months. I am receiving unemployment and child support payments. I am also receiving food stamps and am getting help from agencies as for as the utilities. I have XXXX daughters in college and I really want to keep my home. I had XXXX last year and thats the start of my financial problems. My XXXX was a success and my XXXX is doing much better. Also, I had XXXX siblings to pass away within 30 days of each other and I have not been able to obtain employment as of today, ( copies of obituaries are attached ).
Despite my recent hardship, it is my full intentions to pay what I owe. I am sure as I write this letter things will be improving. I would appreciate patience and consideration during this time.
This is the letter is sent to US Bank Home Mortgage and refuse to work with me. I have applied for repayment plan and unemployment forbearance, US Bank just keep denying me. Please help I am working fulltime now and receiving arrears in my child support payments.

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 2020-03-29
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I registered for unemployment with DC Department of Employment Services. They signed me up for a  debit card even though they had my direct deposit information. DOES acknowledged my direct deposit request on XX/XX/XXXX, so NO benefits should have gone to US Bank. I filed for two weeks in XXXX and XX/XX/XXXX. I never got a card. I emailed DOES repeatedly. No response. I did not know who issued the card. I got a letter from card services at my post office box address acknowledging my change of address. No name other than card services, no phone number, a post office box address, and nothing to suggest it was related to my UI claim. I never got a card, although they acknowledged my change of address. I had changed my address with DOES. DOES had my residence address, so US Bank had it as well. I thought the card services mailing was fraud and filed a complaint with CFPB. CFPB rejected the complaint saying there was no card services registered. In late XXXX, I went to the DOES office and finally got a name and number : US Bank Reliacard. I called, identified myself, and corrected my address to include my apartment number. They refused to issue the card, claiming they had to verify the address. I asked for their address. They said they were in the XXXX XXXX  of what, I asked. XXXX  of Florida, they said. I asked to speak to a supervisor. He refused to send the card even though I had identified myself. I said I would sue them. He said go ahead. I taped the call. As of XX/XX/XXXX, I do not have the card and have not heard from them again, which means I havent received my XXXX benefits. I allege mail fraud, wire fraud, misrepresentation, and conversion.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act, XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

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 2022-09-07
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my Income contingent repayment plan with supporting documents ( XXXX tax returns ) in XXXX and XXXX ( see upload history and correspondence from Fedloan. I received many letters from Fedloan servicing confirming receipt and processing of my application. However I received at minimum 5 different payment plans ( see attached correspondence ). Fedloan servicing sent me an e-mail on XX/XX/XXXXstating my Income contingent repayment plan recertification application along with my XXXX tax returns were not processed in XXXX or XXXX because they need more supporting documents and to resubmit my application. I submitted a deferrment which ends XX/XX/XXXX. All of this occurred after I submitted a complaint to Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: MO
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation