BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a banking account with Citibank that was opened XXXX XXXX, 2015. There is a bonus of XXXX XXXX miles for opening the account after meeting spending requirements on the debit card as well as paying bills which I have met. Despite meeting the requirements in XX/XX/XXXX, my points have not yet posted. I keep on getting excuses from Citibank about when the points will post. Most recently they told me that my account is missing a XXXX form which I promptly supplied and they confirmed receiving it. I am not getting any replies to secure messages that I am sending them from my online account and the phone agents say they can not do anything about it. I have attached PDF 's from their replies which should explain the situation in more detail.

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 2021-12-22
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan got sent back for underwriting and they found a judgement on my record which I paid 10 years ago off, I got the settlement statement. My loan officer said that that was the one thing holding me back from closing everything else is good. Then I get information that I need an explanation of credit stating their are some thing on their that need to be explained. I was under the impression that if they checked my credit twice why now in the final hour is underwriting having problems. I have sent doc. Several times only to have underwriting say oh we need something else or can you explain this it's like they wasting my time and now I am not sure if I will close after months of checking everything and them saying everything looks good and now it doesn't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, Equifax, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX/XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: MD
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:
TD Bank fixed payment furniture loan {$2500.00}. Received at XXXX XXXX in XXXX. Paid {$60.00} a month on time until XX/XX/XXXX. Was advised by XXXX XXXX XXXX, a debt consolidation/reduction company to stop payment because they will be settling the debt with TD bank. We are now paying XXXX XXXX XXXX to negotiate with TD bank to clear the debt. I have spoken with TD bank every month since XX/XX/XXXX that we are using XXXX XXXX XXXX. They make a note and tell me that XXXX XXXX XXXX has not called them or reached out to them and Clear One has to call them not TD bank call XXXX XXXX That they can call me reguardless. XXXX XXXX has stated that TD Bank has received correspondence from them and they are in negotiations and shouldn't be calling me. TD Bank called me at my employer and couldn't tell me how they got that number I told them to stop calling my employer. They stopped calling my employer but still call my cell phone. They call XXXX  times a day except for Sunday. I spoke to a higher up person in TD bank twice in XXXX and XXXX and they told me they would note the account but they still have to call me. They never leave a message just call XXXX  times a day. They now lowered my credit limit on the furniture loan below the amount of the loan now showing I have gone over my credit allowance. They have sent info to the credit bureaus about that. They have sent me letters threatening to send me to collections in XXXX even though they have noted im using XXXX XXXX XXXX to settle the debt with them. 
This has lowered my credit score from XXXX to XXXX in a short time. 
The number they always call me from is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
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:
I

n accordance with the Fair Credit Reporting Act - Experian has violated my rights in regards to the following items they are reporting on my credit report. 1. XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX XXXX Account # : XXXX These are the laws passed by the US Congress that Experian is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" MY PRIVACY HAS CLEARLY BEEN VIOLATED BY REPORTING REPORTING AND FURNISHING MY PRIVATE INFORMATION. THIS IS A CLEAR VIOLATION OF 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 section 604 A Section 2. It states a consumer reporting agency can not furnish an account without written instructions from a consumer. 
" I DID NOT GIVE EXPERIAN WRITTEN INSTRUCTIONS TO FURNISH ANY INFORMATION ABOUT ME '' THIS IS A CLEAR VIOLATION OF THE LAW 15 U.S.C 1681 Section 604a Section 2.

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.

NO ADVERSE INFORMATION OTHER THAN A CRIME CAN BE REPORTED BY EXPERIAN. THIS IS A VIOLATION OF THE LAW 15 U.S.C 1681c. ( A )

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 2017-02-09
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was called by a number saying that they are trying to collect on debt that I have. Which I have none. XXXX is the number

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 2016-07-21
Company: CITIBANK, N.A.
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold Checking account with Citibank on XXXX/XXXX/XXXX after receiving the promotion code XXXX. The requirements for this promotion were to open a Citigold checking account, make one bill pay transaction for two consecutive months, and make {$1000.00} in purchases via the debit card. Upon completion of the promotion requirements, I would receive XXXX XXXX XXXX. I thought this was a great promotion as I am a long-time Citibank XXXX credit card customer ( since XX/XX/XXXX ) as well as a Citibank customer ( since XX/XX/XXXX ). Citibank opened my Citigold Checking Acct in early XXXX XXXX. I promptly deposited funds and began working to satisfy the promotion requirements. I completed the bill payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I completed the {$1000.00} in debit card purchases on XXXX/XXXX/XXXX. Following completion of the requirements, I contacted Citibank customer services and was informed that I had met the requirements and the miles would be post XXXX statements after the period in which I met the requirements. Given the requirements were completed in XXXX and the XXXX statement closed on XXXX/XXXX/XXXX, I expect the miles to post XX/XX/XXXX or XX/XX/XXXX. After not receiving the XXXX AAdvantage miles by XX/XX/XXXX, I sent a message to Citibank via the messaging function on their website on XXXX XXXX, XXXX. Citibank promptly replied on XXXX XXXX and indicated they would review the issue. After several weeks I received a letter from Citibank on XXXX XXXX, XXXX indicating that after investigation they determined that I was not actually eligible for the promotion. This contradicts information previously provided to me by Citibank customer service.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
Ive disputed with XXXX XXXX, XXXX  and Experian. I even have the letter of resolve from XXXX XXXX saying that the loan Does not belong to me but all there entities have not removed the account. The account XXXX in the amount of {$4700.00}. This has impacted my life so much and its hard to get my life back on track. I just want them to remove it from my credit Now! I last contacted them XX/XX/20 and they claim its reported correctly. I want this removed its wrongly reported and I've done what was expected of me to have it remove. They need to take care of this.

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 2016-01-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was emailed a marketing message from Citibank stating that I may be eligible for a credit limit increase and that " a credit bureau inquiry is not required ''. I followed the steps and applied for a credit limit increase but Citibank still pulled my credit report and created an inquiry on all XXXX bureaus anyway. I have since contacted Citibank to try to rectify the issue but they have told me that they will not remove the inquiry because " their message must have told me that they would be pulling my credit '' even though I have proof that it says the opposite. I believe this clearly represents a XXXX violation as they deceived me by stating that my credit would not be affected and it subsequently was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: UMB FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a XXXX  XXXX XXXX account under the terms to receive a {$200.00} bonus after receiving a portfolio review. 

Portfolio review completed on XXXX XX/XX/XXXX Account opened on XXXX XX/XX/XXXX Received only {$100.00} bonus after contacting XXXX XXXXXXXX on XXXX XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo reversed a claim i reported of my card being used fraudulently. i have a police report that documents fraudulently charge of {$82.00} and {$240.00} from a Hotel in XXXX XXXX IN. My card was lost/stolen to use these funds. I ask for a refund ASAP PURCHASE AUTHORIZED ON XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX CARD XXXX PURCHASE AUTHORIZED ON XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX IN XXXXXXXX CARD XXXXXXXX

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 2021-12-22
Company: MoneyLion Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never open this account in my name never heard of this account in my name I check my credit report seen this company on my credit and that's why I came here to report it never or heard of this account anyone can open an account in your name without knowing and I ask that this account be removed from my credit I don't have any knowledge of this account...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This whole issue started when I lost my XXXX Costco card during transition period when it was switching to Citi Costco card. I called XXXX to report my card lost and they said there were some fraudulent charges, but because my account was transferring over to citi that XXXX would take care of it. So then the fraudulent charges transferred over to Citi Costco CC. I called citi to tell them what happened, its seemed that the solved the problem ... But now Citi wants me to pay for fraudulent charges ... This is not right at all. XXXX dropped the ball as well as Citi.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-22
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my card in XX/XX/XXXX and without warning they closed my account that was in great standing in 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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have sent documentation to have this bankruptcy that is incorrect on my Transunion credit report removed. The bankruptcy on my Transunion credit report could lead to further damage to my credit report. I have sent a certified Ftc affidavit, and the response I got from the bankruptcy courts to Transunion. Transunion stated they " VERIFIED '' the bankruptcy with the courts and that is false and a lie. I have attached the letter that was received from the bankruptcy courts stating they DO NOT/DID NOT VERIFY report to credit reporting agencies nor do they report to third party agencies. Transunion response is false and a lie! I have attached the response I received from the bankruptcy courts with this dispute. Remove the erroneous/incorrect bankruptcy from my Transunion credit report. As a consumer I take pride in making sure my credit is correct. I will be seeking legal assistance if this issue is not resolved! Civil penalties, including nominal damages, actual damages ( including emotional distress ), and punitive damages, plus attorneys ' fees and costs, may apply where there is " willful noncompliance '' with Transunion.

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 2021-12-22
Company: EQUIFAX, INC.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Hi, I have been a citi card holder for many years. Just XX/XX/XXXX, I paid my card on Monday instead of Friday, while I always pay off my card in full. They hit me with {$770.00} for a balance of roughly XXXX. I have called them many times, they tell me there is no one to talk to. 

THERE IS NO ONE TO TALK TO, 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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$78.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$170.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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