BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
1. XXXX XX/XX/2020 : Requested a Balance Transfer from CiTi Credit Card # XXXX to my XXXX Checking Account # XXXX for {$1500.00}, a total of {$1500.00} with a {$45.00} fee. 
2. XXXX XXXX - XXXX XX/XX/2020 : Multiple inquiries with both XXXX and CiTi trying to locate the monies. 
3. XXXX XX/XX/2020 : Received letter from CiTi detailing the transaction. Please note that the Tracer # is not accurate. ACH numbers are 15 digits. Provided XXXX with the same information. 
4. XXXX XX/XX/2020 : Received letter from XXXX detailing the results of their investigation : Monies were not deposited. 
5. Date Unknown : Received what appears to be a copy of microfiche from CiTi detailing the transaction. Again, please note that the Tracer number is a null field ( XX/XX/XXXX). Numerous calls to CiTi attempting to get a valid ACH # have been unsuccessful. This document was also provided to XXXX. 
6. XXXX XX/XX/2020 : Attempted a three-way call ( myself, XXXX, CiTi ) ; CiTi advised that their rules did not permit 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 2015-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i sent in all verifying documents they did not take the items off i dont know what else to do from here .... i have contacted the beaureas to no avail

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacting you because I recently did an investigation on my credit report, which is causing damage to my credit score.Which is causing severe XXXX upon me. I have found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct and needs to be removed immediately. Under 15 U.S.

Code 1681e ( b ) ( b ) Accuracy of reportWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. I really appreciate your help with this situation and hope to be resolved as soon as possible.

1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2021-04-21
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing on XX/XX/XXXX some accounts that I don't believe have been reporting accurately with the bureaus. I never received a response from them so I redisputed on XX/XX/XXXX and again on XX/XX/XXXX. When I filed my first complaint on XX/XX/XXXX that also included my 4th dispute to the bureaus because in all that time, they have never corresponded with me!

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 2017-04-06
Company: Movement Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Lender intimidating me to sign new loan documents after I closed on the house. These new documents increase my monthly payments and mortgage insurance. I was told it is to cover the cost movement mortgage lost in providing my loan to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: WI
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:
There is an account with XXXX on my credit report. The beginning part of account number is XXXX. Per my report, this card was opened XX/XX/19. I did not open this account. I have contacted XXXX directly, submitted paperwork to attest to the fact that I did not open this account and disputed this information several times via the credit bureaus. XXXX continues to report this account on my credit report without providing any proof to support that I opened the account. Instead of deleting the account from my credit report, they update the report that the balance was charged off and transferred to another lender. This is not my account and I want it deleted from my credit file. This account has lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/2019 I called Navient about options available to me for postponing or lowering my bill. The due amount came to a total of XXXX for that month. The loan total owed in its entirety comes to XXXX. I let them know that my mother and I are both recently unemployed. They searched for options and said I had exhausted all forbearance 's and deferments of any kind. I asked about lowering my payments and they let me know there was nothing they could do to lower my payments as they were already as low as they could make them. 

There was a series of three calls made that day made in attempt to hopefully find some sort of person that might be able to help, and the answer always ended the sameway. This is the amount I owe and there is nothing we can do to change that at this time. 

I stressed the dire nature letting them know that there was no possible way for me to make a payment in my current condition and no options were made available. XX/XX/2019 I checked my balance and it shows I missed a payment. I had not been contacted about options they might have discovered or changes since my previous inquiry. 

I really wanted to find some sort of solution through them but in the end I was trapped in a position where the company provided no relief no matter what I did to try to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
It shows a 30 day late payment on my credit report for my Chase credit card on XX/XX/2021. XXXX was set for this account and I was never notified about this late payment. This is materially inaccurate and is causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IL
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number # XXXX and Account Name : XXXX  and Account Number # 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 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IA
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:
XXXX is telling Equifax the account was closed on XX/XX/XXXX but telling XXXX it was closed on XX/XX/XXXX. XXXX is reporting to Equifax that I made payment in XXXX, XXXX, and XXXX of 2020 and then says I was 60 days late in XXXX. 

How did XXXX close my account on 2 separate days? 
How can I make payment 3 straight months and then the following month be 60 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank pulled my credit without my permission and refuses to remove the inquiry from my credit reports even though they have admitted it was an error on their part. I want it completely removed from my credit file.

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 2016-06-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 I wrote a check to Wells Fargo Home Mortgage for the amount of {$1000.00}. The amount was written out in words on the legal line and also in numbers in the amount box. Wells Fargo 's processing center processed the check for {$6000.00} on XXXX XXXX, 2016, which is an additional {$5000.00}. It overdrafted my account. This is a banking error. I contacted XXXX at the XXXX XXXX, PA bank and he reversed the check. It was resubmitted on XXXX XXXX, 2016. I contacted XXXX again and the same scenario occurred. It has since been resubmitted again on XXXX XXXX, XXXX XXXX, and also again today on XXXX XXXX. Every time I contact them to resolve the issue, they do not. I also contacted the home mortgage company and they told me they would charge ME {$35.00} to stop payment on THEIR mistake. I spoke with an attorney at Legal Aid in XXXX County, XXXX. She directly spoke with the bank manager XXXX at XXXX XXXX and he told her it is just a " bandaid '' effect and what he does only lasts for 24 hours. Therefore, it continues to happen over and over. I am beyond frustrated, want to close my account and ca n't because I have no money available, and I also can not get groceries or my XXXX daughter 's XXXX because every time I go to the store, my account is overdrawn and I can not access my fund. No one seems to care, at all, that this is happening. No one resolves the issue. I need legal help and also to file this claim because this has to stop NOW. I am a recent widow on social security and my social security is going to be affected. I 'm also receiving notices in the mail from all the companies I had automatic payments coming out of who I will now have to take the time to argue with to not charge me their overdraft fees and not affect my credit score. Once the credit score is damaged, it 's damaged. There is no reversing that. This is ridiculous!!!

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a dispute with Transunion, XXXX, and XXXX on XX/XX/XXXX, in regards to the incorrect items on my credit reports. I sent a Demand to Comply letter on XX/XX/XXXX after receiving no updates. It has been well over 30 days, and I have not received any investigation results.

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 2016-10-28
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
ON XX/XX/2013 I OPEN A CREDIT CARD ACCOUNT FNB XXXX THE CREDIT LIMIT WAS XXXX I WENT OVER THE LIMITED THE CREDIT LIMITED BUT PAID THE ACCOUNT OFF AND RECEIVE MY XXXX DOLLARS DEPOSIT BACK INFORM OF CHECK AFTER CLOSING MY ACCOUNT WITH THEM MY ACCOUNT WAS REPORTED TO THE CREDIT REPORTING COMPANY AS A CHARGE OFF ACCOUNT AND I HAVE TRY TO DISPUTED AND TRY TO REACH OUT TO THIS COMPANY MULTIPLE TIMES THEY HAVE ADVISE ME THAT THEY CA N'T GET IN TOUCH WITH COLLECTION DEPARTMENT AND DO N'T HAVE NUMBER FOR THEM. I HAVE TRIED AND TRIED AND THEY WANT HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
From XXXX XXXX, 2015 to XXXX XXXX, my group used XXXX rooms of a hotel in my name. 
On XXXX XXXX XXXX XXXX, I checked out. 
On XXXX XXXX, I checked through my credit card statement that on XXXX XXXX, the hotel charged {$200.00} over my credit card as a penalty. The reason was we XXXX in the no XXXX room. 
The hotel charged the penalty on XXXX XXXX, not XXXX, 1 day later we checked out. 
If the hotel claims that they checked the room on XXXX, at the day we checked out, this means the hotel kept my credit card information without my permission even after my check out. 
The hotel should have charged the penalty on the " XXXX '' not to violate the Laws of Payment Card Industry Data Security Standard. Therefore, I request the full refund of {$200.00} from the hotel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " XXXX ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 2022-10-13
Company: DISCOVER BANK
State: NJ
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:
Hi, These company 's are showing late payments on my account that should not be there. 
I've called them several times and they have refused to update the information. I am in the process of buying a home and I can not have this on my account for another second. Please see the information below and have them update it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 DISCOVER BANK Late Payment XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Account information incorrect

Complaint:
It shows a 30 day late payment on my credit report for my XXXX credit card on XX/XX/2021. Autopay was set for this account and I was never notified about this late payment. This is materially inaccurate and is causing financial hardship.

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 2017-05-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in   XXXX   XXXX   XXXX  . I started falling behind in my payments on   XXXX   XXXX   XXXX  . I received  XXXX  for 6 months unable to find a job. I started working as a substitute teacher in   XXXX   XXXX  . I 've been in this situation before with Chase Mortgage but went through all the steps and started making my payments again on time when I found a job. I 've never missed a payment while I was working in the 16 years that I was employed with Chase. I just found out my house was sold back to Chase on   XXXX   XXXX   XXXX   without any knowledge. I 've been working with   Chase   the whole time I was  XXXX  and then I get a letter saying I 'm in foreclosure and my house was sold. They did n't work with me like they did the first time in   XXXX   and I was unemployed longer during that time. Dealing with Chase mortgage you constantly talk to a lot of case workers. My situation is handled by many and you have to keep sending in information all the time. I want to keep my house. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: ALLY FINANCIAL INC.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX, and received a loan with Ally Auto. On XX/XX/XXXX I had it refinanced with XXXX XXXX XXXX XXXX. They sent an overnight payoff which The credit union has confirmation that Ally received it on the XXXX. of XXXX, Ally never posted it. Since then Ally has harassed me with phone calls on late payments. My Credit Union voided that check and sent them a new one, and straightened it out with them we thought. Now there saying my loan was n't paid off till XXXX and I stillowe a balance. They have destroyed my credit since. They are still calling me, I wentback to the XXXX XXXX XXXX on XX/XX/XXXX she called them while I was still in her office no one knew anything about it, and said they would have to investigate it. I do n't know where to go next for help. All I did was refinance my car and its been a nightmare ever since

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