BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX/XXXX/15 requested debt validation from Credence collection agency. 
Although this is not appearing on my credit reports, Credence is required to provide validation of debt within the legal allotted time frame. It is XXXX/XXXX/2015 and I have not received any information verifying this debt if {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit based on information contained in the credit report provided by Equifax. I went to obtain my free credit report due under the Fair Credit Reporting Act. There is no active link anywhere on their site to obtain this report. There are links to the Annual Credit Report Site, lots of offers for paid scores and credit monitoring, but nothing for denied credit. I followed the most likely links.  In one case, it ref erred to the home page Equifax.com, but was not linked. I went through th e FAQ 's. The re is info about how to dispute information, but not how to obtain the report. I finally found a link to a FCRA report, but this returned a 404 Page Not Found error. ( with more advertising for paid pro ducts ).      The Credit reporting agency information : Equifax  XXXX   XXXX   XXXX   XXXX , GA  XXXX  This occurred  X/XX/2017    at approximatly  XXXX   XXXX  CDT ( BTW  XXXX  's website had comparatively clear link.  XXXX  was not used f or Denial of Credit,  so I have not attempted to obtain the report from them )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I sent a payment through our online bill pay. Suntrust ( Truist ) then proceeded to lock me out of our online access to all accounts, and I've been on hold for close to an hour now to get it unlocked.

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 2022-01-20
Company: Unifin Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt collection notice on XX/XX/XXXX for an old bank account dated back to XXXX. One I dont even recall having my bank account in a bad status when I closed the account and too how can they send me any notification saying I owe debt for XX/XX/XXXX ( over 16 years later ) I was told this is against the law and they cant do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My home at XXXX XXXX XXXX, XXXX Pa is schedule for Sheriff Sales on XXXX XXXX, 2015. Presently, I 'm in the middle of a refinance modification with " XXXX ''. 
In the past, since Citibank bought my mortgage company XXXX XXXX XXXX XXXX, Citibank has never attempted to work with me. Citibank Foreclosed on me when they had about a year of my mortgage payment that they processed in their possession but Foreclosed on me. I hired and was represented by the law office XXXX XXXX. XXXX XXXX was able to obtain the cashed check from the bank, but his office had to file a XXXX because of a foreclosure sale that was pending with the sheriff. 
I contacted the Pennsylvania Attorney General Office with a certified complaint concerning this matter via certified letter, but to date I have never received a reply from that office. 
In hind sight, I requested a copy of my deed from Citibank and a " '' QWR '', but to date the bank has never acted on my request nor did the bank replied me at any time. During a court hearing in XXXX, pa ( Federal Court ), the lawyers of Citibank were asked by the judge why my request for my " Deed '' / '' QWR '' was not attended to? The Bank Attorney 's replied, " All these documents are being computerized '' physical document are difficult to obtain. 
This on the part of the bank is a justice denied, not only delayed. This action on the part of Citibank also violates purely procedural rules to a level of State law. 
Because of the many constraints that was place on my financial condition among which was nature disaster, with no help in sight, I was encouraged to contact the Justice Department. I contacted the U.S Justice Department. In keeping with the Justice Department recommendations, I 'm contacting your office to kindly ask that you please use the services of your good offices to help me resolve the mortgage matter with Citibank. Citibank is XXXX of the banks that received tax payers like myself tax dollars as bid out money when they claimed to be " needed ''. in addition, Citibank claimed to be a community partner in rebuilding family and community through it 's many loans/ modifications and government program. Yet, I 'm a perfect example among many in my condition of a false publicity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I tried to withdraw up to {$300.00} from my Citibank IRA today on XX/XX/2017 to transfer to my Checking account today so that we could use the funds for important necessary purchases and also prevent my checking account from being overdrawn. To save time I did the transaction over the phone. Because I did the transaction on the phone Citibank is refusing to make the funds available for a whole day. While this may not be an absolute hardship today it could be if I was bedridden or in a hospital. I even went into my branch at XXXX XXXX XXXX XXXX NY and they told me they could do nothing. I would like some kind of compensation for the over hour 's worth of time I spent today and I got nothing done. Perhaps the CFPB should require banks to make funds available from retirement accounts of the same bank on an immediate basis since the bank will not do this voluntarily. I wonder if there is any federal law, rule or regulation which also caused this to happen.

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 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX I am in the process of filing a complaint to FTC and DOJ for these violations.

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 2022-01-20
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Their investigation did not fix an error on your report

Complaint:
I have contacted ALL companies involved, I have disputed the accounts over and over again, and XXXX  XXXX keeps coming back with information accurate, XXXX  keeps sending this account to different collection agencies knowing that it is fraudulent, XXXX XXXX is not accurate, Previous account was paid and closed, XXXX stated they bought all XXXX 's companies accounts, I advised my account was paid and closed and no account should have ever been opened under new Management that would be fraud. 
I dont know how to get these items removed from credit report as they are affecting me in many ways. Most recent contact was XX/XX/2022. What do I need to do to get these accounts removed from my Credit. I have locked and Froze all my accounts. I have Disputed these and nothing is being done. Need help getting these removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Younomics ( University Accounting Services ), a private loan servicing company, has reported my student loan in default for over 12 months. I am XXXX and have requested a deferment from the company. The company will not state the reason why it will not defer my loan. I did not originally receive the loan from Younomics and I suppose the loan was sold them for servicing. The default is hurting my credit and ruining my chances to purchase a car, home and other essentials. The company has harassed me on several occasions with threatening phone calls and letters. I have disputed the matter with my credit report, stating I 'm in-school and should be shown as " payment deferred '' however, the company has refused to indicate why I can not receive a deferment or other deferred payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I purchased a hot water heater from Home Depot. At the time of purchase, it was a special promotional offer, no interest if the balance on the item was paid off within a specific time. I made a payment on my regular balance, and wrote a separate check to be applied to the promotional balance only. They did not apply the second check to any of the promotional balance. I have called them twice, requesting that they do so, and they have told me yes, they would change it, but they have not. On the most recent call I made, I was told the change would show up on my next statement, which would put it past the promotional offer payoff limit, and they would then charge me back interest. This is unacceptable, and should be illegal.

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 2022-01-21
Company: Navient Solutions, LLC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently submitted a complaint against Navient regarding erroneous billing and charges this week through the CFPB and requested to send the complaint to Navient. Navient emailed and said they were reviewing on Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) but still no response to why they are stating deliquent payments when I have overpaid them 7 times the required amount I was awarded to pay. This morning, XX/XX/XXXX I received a notification stating that my credit had decrease by 3 points. When I went to view the reasons for changes it clearly states that now Navient has increased by balance by {$2000.00}!!! Please review my account and make this stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On  XXXX   XXXX ,    2016, I aut horized a wire transfer in the amount of {$9000.00} plus a {$35.00} wire transfer fee, to an overseas account. Upon second thought, I called the local Citizens branch where I authorized the wire transfer, withi n thirty min utes of the transfer request, requesting to speak with  XXXX   XXXX   XXXX  to request him " to send a fraud claim to stop the wire ''.  XXXX   XXXX  asked me " do you want to stop the wire? ", I responded " yes I want you to stop the wire with a fraud claim. He asked me " Do you want it to go through '', I responded " Yes, the fraud claim, thank you. " While the Wire Transfer Requests states that I must call  XXXX  to cancel the wire within 30 minutes, there is also Clause No.  XXXX  stating " In addition to the right of Customer to cancel the transfer within 30 minutes of authorizing the transfer, you may also instruct the bank to cancel the transfer after the 30 minutes period has lapsed, provided the cancellation instruction is received by the Bank at a time and in a manner affording the Bank a reasonable opportunity to act prior to the bank 's acceptance of transfer. '' I also emailed the branch on  XXXX   XXXX ,    2016 wit h a repeat request to transfer the wire. The overseas account was discovered to be a scam, but my money was transferred to this account despite my numerous attempts to request a cancellation of the wire. I have contacted several individuals through the local branch where the wire occurred, and my Attorney is now in contact with the  Office of the Chairman. D espite evidence and records supporting my claim, Citizens is still refusing to refund my wire transfer because I can not " prove '' that I requested the wire be stopped during my call on  XXXX   XXXX  with the local branch office.     Additionally, I did not receive any confirmation or follow up relating to whether the wire was even sent to the overseas account ( as I have received in the past with other wires I have conducted ). It was only after several inquiries with the branch that I was told the wire did occur and the money had already been removed from the overseas account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
XX/XX/XXXX The Toyota Motor Leasing company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 2017-04-27
Company: EQUIFAX, INC.
State: TN
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:
On  XXXX    XXXX   I submitted a dispute requested for the account  XXXX   XXXX   XXXX   ``   XXXX   XXXX   XXXX  '' that was paid {$500.00} and showing  XXXX  balance in collection be deleted from my credit report. No results. Account is still showing in collection with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When a consumer demands an illegal act to be stopped by person or company then it should cease immediately! In Exhibit A NFCU, I DEMANDED NAVY FEDERAL CREDIT UNION ( NFCU ) TO PAY ME MY {$3700.00} and RESET BOTH OF MY OPEN-ENDED CREDIT PLAN FOR VIOLATING MY CONSUMER RIGHTS! NFCU stole money our of my bank account to pay themselves plus interest without my consent. WHO GOVERNS THIS THEIF ( NFCU )? NFCU uses deceptive forms to undermine consumers like me to pay an alleged debt that derived from my open-ended consumer plan. In Exhibit B NFCU even said they will report my information to the credit bureaus. THERE IS NO SUCH THING AS A CREDIT BUREAU only CREDIT REPORTING AGENCIES. NFCU attempt to trick me did not work and it should not be able to trick the CFPB. Navy Federal Credit Union Pay me my money, EXPEDITIOUSLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a Loan Modification in XXXX XXXX with CITI Bank. In XXXX XXXX a detailed Property Evaluation was performed. Since that time, I have provided all documents requested in a timely fashion, but CITI Bank keeps " kicking the final decision '' down the road. I have letters stating my loan was approved, only to discover those letters were sent in error and the application was still in review. I 've never been given any detailed answers on what the delay is, other than " this is a long process, '' and " we are busy with many applications. '' On XXXX/XXXX/XXXX, however, when I aggressively pressed for a detailed explanation, I was sent an email that stated the Underwriters need to get a Property Evaluation performed. When I reminded them this was done months ago, and I asked what was wrong with the evaluation done in XXXX, no one replied. It is clear CITI Bank is not interested in granting the loan modification, but for some reason they do not want to tell me that. I suspect they are trying to wear me down and hope I cancel my application.

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 2017-04-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen ServicING are charging a lot of miscellaneous fees, high forced placed homeowner, flood, mortgage guaranty insurance.. Which causes escalate mortgage escrow payments .Therefore, we find it impossible to maintain payment. Also, Ocwen closed our mortgage in 2012 according to our credit report but kept mortgage in our name continued to bill us for the mortgage ..

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