BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2016-03-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Citi Double Cash credit card gives you 2 % cash reward ( 1 % when you make any purchases and another 1 % when you pay the balance. ) I bought a phone from XXXX XXXX using XXXX credit card. When I returned the phone, an XXXX staff asked me to give him a card so he can put the refund money on it. Because of my confusion of having too many cards, I gave him my Citi Double Cash card. 
When the {$1000.00} refund transaction was clear, Citi thought that it was a refund from my using their credit card, so they deducted {$4.00} from my cash reward balance instead of giving me {$9.00} more ( I spent {$540.00} on purchases and paid {$350.00} I owed them. ) Thus, my total loss was around {$13.00}. 
I called Citi and explained, a guy ( I ca n't recall his name ) said he did a dispute, and I could expect to receive {$15.00} back in XXXX5 business days. 
Today XXXX/XXXX/16, I called back asking why I have not seen the {$15.00}. Another guy said he was not able to find any disputes on my account, which means the first guy lied to me. After talking to his supervisor, this guy said they refused to give me the money. 
I think this is absolutely wrong. The amount of {$1000.00} was not from Citibank. I did not use Citibank 's credit money to make the purchase. It was supposed to be considered as 'payment ', not 'refund '. Thus, they had no rights to deduct anything from my cash back reward. Please help me work out a solution with them. 
Thank you.

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 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We attempted last year to get a modification and after months of stalling on Bank of America 's part they offered us a modification which was higher than our current payment. We declined after which we received numerous paperwork stating what our new payment was to be including an escrow account, which we do not want as we have never had one and handle the taxes and insurance on our own and have never had an issue. They have now paid our insurance and taxes and not credited our account with any payments towards principal and interest for the past three months. They have also reported us to the XXXX credit bureaus as having late payments even though our mortgage actually was discharged thru Chapter XXXX bankruptcy in 2008. Now they say we can not get rid of the escrow because we are " late '' on payments. Also we can not go outside of Bank of America due to the late payments appearing on our credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX  has denied my Identity Theft Claim stating that the information is accurate but have yet to provide any proof that I am not a victim of Identity Theft. XXXX claimed that The Slate account ending in XXXX was opened on XX/XX/2017. This account was fraudulently used a result of Identity Theft. 

Furthermore, during the periods of XXXX I have been living outside of the United States as a resident of XXXX. Therefore, any account activity during this period was made fraudulently without my knowledge as a result of Identity Theft. Any payments that was made to XXXX XXXX  was NOT made from me as I was living in XXXX. Any account usage during this period was NOT made by me. This can conclude that someone has indeed stolen my identity and has hacked into my personal account information including emails, bank accounts, credit reports, credit cards etc. Under The Fairs Credit Act I request that this debt be removed from my name or I will pursuit a civil legal action. I have attached a copy of my Identification card issued by the XXXX Of XXXX. Further documentation such as passport entry stamps of XXXX, apartment rental contract in XXXX, Car registration in XXXX and other verifiable information can be provided upon request to further prove that I was outside of the United States during the years of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent multiple letters and Fraud Affidavits to Central Financial Control to dispute the account that they are reporting on my credit file. To date, this matter has not been rectified. This account do not belong to me and I will like for it to be remove from my credit file. Please assist in the matter of getting this account remove 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 2022-08-19
Company: MUFG AMERICAS HOLDINGS CORPORATION
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:
MUFG Union Bank NA is reporting my mother 's credit information on her XXXX  XXXX account with XXXXXXXX XXXX  when I am only an " authorized user ''!!!. so far I know of it being reported to XXXX only... but I have not checked with the other credit reporting agencies. 

today ( XX/XX/2022 ) i called XXXXXXXX XXXX and the cust svc agent stated that the credit card account disclosures states that " authorized user '' will also be reported to credit agencies. strangely, I asked the agent to mail or email me the " disclosures '' which he said could not be done. why not sounds suspicious to me!! 

so I went to the bank branch in XXXX XXXX XXXX XXXX and got a copy of the " disclosures ''. in the disclosures it does NOT state authorized users would be reported to credit agencies! 

I am going to follow up with this complaint filing with a call and letter to MUF Union bank N.A. to immediately decease from reporting my mother 's MUF Union Bank visa account on 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 2016-11-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Back in XXXX XXXX erroneously reported late payments on a student loan that was deferred. I contacted the Bureaus directly and provided them with proof of the error and requested that they remove any negative ratings from my credit report. All bureaus complied with the exception of XXXX. I reached out to the CFPB for assistance with getting this error corrected and the same reflected on my credit report. I have since had my credit limit decreased on my Citibank credit cards as a result of this. I have been a Citibank client for about 20 years. I had one credit card with a limit of XXXX and another with a credit limit of XXXX. To my dismay, my limits have been decreased to XXXX and XXXX. I explained to them that this was reported by XXXX in error and it has since been rectified. They sent a pretty standard letter to respond to my rebuttal stating that my limit was decreased due to negative information reported to the Bureaus. I should NOT be penalized in any way by an ERROR that resulted in an incorrect reporting by a creditor. I have exhausted all of my resources in trying to help Citibank to understand the nature of this error. This decrease in my credit is unfair and not related to my credit history or ability to repay. I am asking that my credit limits be restored immediately. I have uploaded copies of the Citibank notice of credit limit decrease along with the original notice from XXXX evidencing my student loan is deferred until XXXX ( late payments were reported 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 2020-10-01
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For 3 weeks I have been trying to get a hold of a representative over at Selene Finance and I hardly ever able to get through. About 3 weeks I requested my history of my payments from Selene Finance. They have yet to respond, return phone calls, provide empty promises and I need a copy of my payment history because the lender I am trying to refinance with is requesting it and will close my loan application should I not provide them with the payment history I have asking from Selene Finance. 

How can something so easy be so difficult to provide, or have a Lender that answers their phones. 

I had no choice but to send a Qualified Written Request again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making XXXX XXXX XXXX XXXX bill payments in consecutive months and for spending { {$1000.00} } on my debit card. I met these requirements in in XXXX XXXX and here is an excerpt of the message I received. 

" After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your XXXX account by XXXX/XXXX/XXXX. '' Now Citi is giving me a run around saying there 's delay and I wo n't get the bonus until XXXX45 days after today when I called. This has been going on for weeks. I 've tried contacting them over the phone and online, all I get is run around. I just want to get this resolved in a timely manner without having to chase them down. Does Citi want to alienate their customers? What kind of relationship do they want to create with the public here? After all, we did bail you out after you XXXX up in XXXX with the whole mortgage stuff. I mean come on!

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 2016-06-10
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have a # of debts that I ca n't pay. I am XXXX and depend on XXXX . It takes every cent I receive just to stay alive. I ca n't pay any old debt. In the past I 've tried to explain this fact to debt collectors but they continue to call. I receive on someday 10-15 calls from various companies. I have stopped answering my phone, very rarely they will leave messages, sometime identifying as the Internal Revenue Service ( when I 've check # 's by reverse # look up they are reported a scam or fraudulent # 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After a Dispute with trans Union they applied an extended fraud alert without my consent and listed my phone number incorrectly. The last for of my phone number was listed incorrect my number is ( XXXX ) XXXX transUnion had my number as ( XXXX ) XXXX. Causing massive issues. I applied for an account with XXXX credit card and received a letter listed below with reference number XXXX, that stated they were unable to verify me, and gave me a number to call. I called XXXXXXXX XXXX XXXX XXXX  at XXXX and spoke with XXXX an account manager for XXXX XXXX XXXX XXXX, and I explained the situation and let her know I had transUnion correct their mistake and asked her for a reconsideration. XXXX told me that she could not offer me a reconsideration and that I would have to apply all over again receiving another inquiry.

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 2016-09-26
Company: APEX Asset Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
: Apex Asset Management Inc, XXXX XXXX, XXXX PA XXXX Placed derogatory information on all three credit bureaus for {$130.00}. I sent them a letter to validate debt in XXXX 2016. They sent a copy of a bill and I have no recollection of same. Additionally, they are required to be licensed by the State of Florida to pursue credit collections here. They are not licensed. On XXXX XXXX, 2016 I sent them a letter asking for a copy of their license. To date I have no response and their information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX. I have a XXXX XXXX XXXX with adequate income from a XXXX and XXXX source. I began applying for a refinance with Loandepot on XX/XX/2020. I was told by the sales person XXXX that it would take XXXX weeks to close. I interviewed XXXX other companies. As of XX/XX/XXXX the loan had not closed. The loan processor XXXX, would ask me for information multiple times .... the same information. I got the impression that she was either incompetent or overburdened with too many loans to process. Originally I asked the sales person to contact me with the loan progress and anticipated close date ... His response was that he was too busy. So after a month I began to call XXXX and XXXX with those questions once a week on thursdays. Eventually they didnt answer my calls or return my phone calls. As of XXXX XXXX was still asking me for information previously provided, to give to the underwriter. I discontinued the process due to frustration and anxiety. 
Complaint : I believe I deserve a timely conclusion to my application, and not to be strung on like a fish. If there were problems, they should be communicated to me so that I could move on. Instead, The process caused me mental anguish, and financial harm. I lost my appraisal fee, my application and credit check fees and loan payoff fees, and I lost the timing on the interest rates. I am now refinancing at a higher cost, and paying new fees. I understand its busy, But this ( and all ) mortgage companies have the responsibility to stop taking applications if they can not fulfill their obligations in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our TD Bank mortgage payments were paused without our consent.

I initially called TD Bank in XX/XX/2020 to inquiry about their specific terms offered to borrowers of residential mortgage loans under the federal CARES Act. 

I did not accept the terms that TD Bank offered and decided not to participate in the program. 

My wife and I continued to make all loan payments. 

On XX/XX/XXXX, we were notified for the first time, via letter from TD Bank that stated there was a Forebearance Plan on the loan and that it was being renewed. 

The letter indicated that the Forebearance Plan was placed on our loan based on the bank 's evaluation of our " incomplete loss mitigation application ''. Per this admission no application was completed, yet our loan was placed into forebearance against our wishes. 

Placing our account in an unwanted forbearance has harmed our credit reports by making it seem as though we aren't making required payments, when we have been. This may also prevent us from refinancing the loan to benefit from low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Adding money

Complaint:
I went to XXXX and loaded my prepaid card with cash {$250.00} and usually the funds are loaded on your account right away after transaction is completed..But when I checked my account my money was not there..I called the card company and they can not give me any answer where my funds are..They keep telling me they see no transactions of the load to my card..I am very disappointed in the services of the bank..They keep telling me it 's a glitch in the system..But do not ask for proof of transactions to help me in any way..Please help me resolve my issues..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01
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: Their investigation did not fix an error on your report

Complaint:
Hello After reviewing my results from the dispute, you guys did. I notice a hand full of inaccuracies on the result report. I have attached the supporting documents and circle the incorrect items XXXX  XXXX XXXX  : Acct # XXXX You guys stated that the original balance on this account was {$12000.00} but on the results the balance changed to {$11000.00}. You guys also stated that before the dispute that during the months of XX/XX/2019 I paid on time but on the new results that changed to 30 days late which is inaccurate.

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 2016-01-04
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
The collection agency obtained a judgment against me only for medical bills associated with the birth of my and my ex-husband 's daughter even though I was legally married when she was born and covered under my husband 's medical insurance. I contacted them approximately 1 month ago to explain the circumstances of the bill, that the judgment should be against us both, that according to a court ordered divorce decree dated XXXX/XXXX/XXXX, my ex-husband is responsible for those medical bills, that I am currently on welfare ( food stamps & OHP ), that he is almost $ XXXX in arrears on child support, that he has no parenting time with the kids, I have no family to assist in the area, and I only work XXXX hours per week supporting the kids completely on my own. 
Last week, my employer and I received a garnishment for {$2900.00}. The judgment is dated for XXXX/XXXX/XXXX and the bills are from on and around XXXX/XXXX/XXXX. They want to take up to XXXX % of my wages for medical bills that are over XXXX years old for my daughter 's birth when I am having difficulty financially supporting them now. I was told that it is perfectly normal to take legal action against only me for the medical bills and that I should hire an attorney. Clearly I can not afford that. Please help! This is completely discriminatory against me as the mother and disabling to my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation