BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recieved an offer ( single sheet with no true proof it came from Citi ) with a number to call to activate. I called and the automated system asked for the last 4 of my card #. The person that answered then asked for full card number and then password. I was concerned about fraud and asked for some type of confirmation that it was actually Citi I was speaking with. They wouldn't give me ANY indication other than say they were Citi. I called thier customer service line and spoke with a manager whose response was simply " that's how Citi does it ''. I think this opens every Citi customer up to MASSIVE potential Identity Theft due to thier policies. Simply offering something simple like my address ( even just city and state or zip ), my last purchase, last 4 digits of my social security number or anything that would not jeopardize my identity but offer confidence that I was actually dealing with the company. I don't think I should have to do this much research to be sure I am dealing with the proper people.

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.

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 2022-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Westlake Services, LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/20 they have called 6 times XX/XX/20 they called three times and I advised them a payment would be made on XX/XX/20 XX/XX/20 they called 5 times XX/XX/20 they called one time and I advised I would make a payment XX/XX/20 XX/XX/20 they called 5 times XX/XX/20 they called 2 times XX/XX/20 they called 4 times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: AR
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 have several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: APR or interest rate

Complaint:
I have an account with the Synchrony XXXX.  They offer no interest for a certain amount of time which I have used and paid the amount off within that time limit.  A flooring company used this card and I asked for XXXX year no interest which I had done before with a lessor amount charged.  In XXXX months I saw that the amount was due so I called the company and explained the XXXX year request and the representative of the company assured me that they would honor that and give me an additional XXXX months.  The next month I discovered that they had not and I owed more than the original charge when the XXXX month interest (30%) was added in.  I called back and the person I talked to and her supervisor said "tough luck".  They would not give me the extra XXXX months that the other had promised.  I would have paid it off if I had known I wouldn't have the extra time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.

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 2022-07-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$590.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information from my credit report 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 08 XXXX XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
In XXXX and XX/XX/2020 I disputed with XXXX, XXXX, and Transunion about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XX/XX/2020 I disputed with XXXX  and Transunion XXXX  about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra

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 2016-11-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a refinance of my primary residence on XX/XX/2016. Received an auto responder email thanking me for the application. NOTHING since that time. A couple lame emails saying they were escalating my request for info to a manager. NOTHING. I got someone on the phone today and was told that particular loan officer left the company. I 'm quite surprised that they circumvented the regulatory requirement to provide me with disclosures within 3 days after I applied. I cancelled the application as I no longer trust the service going forward. My phone call today at least got my application cancelled - I hope, as I seriously doubt I will get any confirmation via email or in writing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The CitiGold checking account rewards program has cost me {$64.00} in fees so far and does not deliver its promised benefits. The program promises to provide tens of thousands of XXXX XXXX points, if a customer opens a CitiGold checking account and completes a number of steps such as setting up bill payments online within a few months. I signed up for the offer and opened an account XX/XX/2016. I also went to a local branch to provide my information such as tax record, social security number, etc. to complete account opening process. 

To set up bill payment ( a requirement for receiving the benefits ), I need an online account ; to set up the online account, I need a debit card and a password ; the problem is I have never received the debit card and password for several months and now the required timeline has elapsed. After speaking with customer service XX/XX/XXXX, I did receive a debit card, but the password never arrived. Meanwhile, because there is XXXX balance in my account, I was left with account maintenance and overdraft fees of at least {$64.00} as of XXXX XXXX, 2016. 

Citi 's practice is unfair. I opened the account and was willing to complete the steps required to take advantage of the offer. However, an essential part of what is required - receiving debit card and password - is missing due to Citi 's lack of oversight of its operations. What started as an attractive incentive program ended up in fees on my account and no benefits at all, and there 's nothing I can do to avoid it.

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 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Requested information about my 1099 IRS tax form to Bank of America verbally and in written form with negative results.it is urgent to receive this information in order to fill my tax report this year

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 2022-03-23
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter advising that debt was for XXXX insurance. Did not have any of my information on the letter. Only 2 vehicles and payment dates. No information verifing or validating that the vehicles belonged to me. Additionally, no payment method advised to confirm payment was made by me. 

Again, this company is in violation of FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
In XXXX and XXXX  of 2020 I disputed with Equifax, XXXX, and XXXX about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XXXX  of 2020 I disputed with Equifax and XXXX XXXX   about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 recently applied for a mortgage loan and we denied it due to the fact that STATE EMPLOYEES CREDIT UNION continues to incorrectly report information to the credit bureaus. I filed a complaint with the CFPB before but all they did was XXXX  out the accounts on the report and listed them as paid. After doing this SECU turned around and started reporting to the credit bureaus that the same accounts are now in charge-off status. I have been proactive in my efforts to have this misinformation corrected but they continue to report it. I have reached out to my local SECU branch and asked for help. The lady XXXX was has been wonderful about trying to help me correct this error but unfortunately, she isn't over this department nor is this her job function. The feedback that i received from SECU was that yes they will continue to report this as a charge-off until the full years of 10 years which in their eyes is until 2024. In the state of NC only judgements can report to the credit bureaus for 10 years. These two accounts I'm speaking of have never had judgments filed on them or me for these accounts. As of now, these accounts are 9 years old and per NC state law these accounts should have been removed and or deleted from my credit report over 2 years ago. I have provided documentation to prove the age of accounts, status they have been moved to since the last complaint I have filed with the CFPB. I have requested in writing for SECU to immediately stop reporting these accounts to the credit bureaus and have them deleted to be in compliance with NC and federal state law. This request has been declined by them and I am asking for the CFPB to please have them delete these accounts as they are reporting them incorrectly and causing my family and I undo hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am XXXX years old. I have for the last month been called from Conn 's Stores about my account at least XXXX times per day. They called a number that belongs to my daughter who is XXXX. She was called by Conn 's last Friday while at the hospital XXXX at least 5 times. I am being called from XXXX different numbers possibly XXXX. I have had this account for years. I have never been harassed like this before. I take this debt seriously and will continue to pay monthly. Since I ca n't drive I have to rely on others to take me to pay on this account. Their main concern seems to be that I paid late this month. I also have XXXX. I do not want this company to call me again. I will continue to pay until I have paid all of it. This is harassment with the number of calls received on a daily basis. Please make them stop. I have a good credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Have an account in collections. I have informed them multiple times that they are calling a prepaid phone that costs me XXXX to use and that it 's inconvenient for me to receive calls because of this. Receiving calls up to 8 times a day despite this. 

In my state, FDCPA applies to both original and third party collectors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: OR
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:
Due to a flaw in Experian 's website, I have had my account hacked - a hacker puts in my SSN and answers public questions about me- WITHOUT the use of a username, password, security pin, or security question. This has happened at least 4 times that I know of, and Experian hasn't done anything about it. 

Now, an investigative reporter has uncovered the flaw in Experian 's website in an article titled " Experian, You Have Some Explaining to Do '' that you can find here : XXXX XXXX XXXX I have also attached the article to this complaint. 

THIS IS A MASSIVE ISSUE, and it affects every single person over 18 years of age that has credit in the United States.

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 2021-05-20
Company: FIRST GUARANTY MORTGAGE CORP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2013 I took out a XXXXmortgage from XX/XX/XXXX who sold to First Guarantee Mortgage Corp. I was told I needed to hire an inspector from their list of approved inspectors. I hired the inspector that prepared the list of all the work needed. I hired the contractor to do the work. The contractor swindled me and the lender payed out over {$30000.00}. for material paid by me prior to hiring the contractor. For work never completed and work not done in accordance to the written work order. I sued the lender for damages and the matter was dismissed with prejudice by a judge of the superior court in XXXX XXXX. I was broke, about to loose the house in foreclosure because I did not want to pay the bank until they addressed what had just happened. I couldn't afford to hire a lawyer and no one would take my case on contingency. I did not know how to properly present all the evidence to the court and the judge told me I was wasting everybody 's time and told me he was not going to allow that. But I still had evidence that the bank did not ensure that I was protected and that all the laws were followed before they disbursed all the money I borrowed which the lender held in escrow, violating the fiduciary relationship. HUD put a {$60000.00}. lien on my house and I can't even refinance to get a better interest rate without paying the lien. So years later I am still under the huge burden imposed on me by a fraudulent lender. I had to pay for all the work to fix the house, pay the mortgage, pay back the money I borrowed to fix the home and pay the lien, while the lender literally gave away all the money I borrowed to a crook. I need help! The lender can't just get away with what they did just because I didn't know how to file my evidence in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan

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