BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
From XXXX XXXX to XXXX XXXX, I received XXXX calls from One Main Financial, placed from phone numbers XXXX, XXXX, XXXX, and XXXX. XXXX of those calls were made to me at XXXX and XXXX call at XXXX When the calls went to voice mail a message was left telling me to contact One Main Financial about an important financial matter. When I called, they wanted my loan number ( I do n't have XXXX -- I have no financial dealings with One Main Financial ) or my social security number, which I refused to provide since I do n't know if this company is legitimate. On the occasions they reached me directly, I would tell them the person they wanted was not at this number and they should stop calling me, but the calls continued. I gave them my name and phone number and they acknowledged they had no record of me in their database. From XXXX XXXX to XXXX, I called them daily telling them to stop placing calls to my phone number and was told a supervisor would take care of that, but the calls continued. Finally, on XXXX XXXX, I was told that they were calling XXXX and trying to reach XXXX XXXX or XXXX XXXX. The operator had no idea why she had incorrectly called my number, which differs by XXXX digit, but that she would report it to a supervisor. Most of the calls were received on my voice mail, and when calling the number they left, it was difficult to reach a live operator, the operator refused to direct me to a supervisor, and promised to fix the problem, which was often not done. No operator was available after hours in Texas. Calls were placed outrageously early and interrupted my sleep. No one ever apologized for the disruption of having debt collectors unjustifiably calling my number several times daily, filling up my voice mail, and possibly conducting fraud by asking for my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-11-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Keep getting text messages about paying a bill on a credit card I never received nor activated. 
Text messages say they keep missing me via call but I dont receive calls or voicemails only test messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I became behind in my payments and sent them ALL of the information for a modification and they kept kicking it back saying they either did n't receive the information or it was n't complete. The last time I submitted the information they stated they received all of the information but did n't receive it in time. I then received a foreclosure notice but filed bankruptcy to keep my house. I was supposed to make my first payment XXXX XXXX but they have deactivated my account AND I am unable to make a payment. Additionally they are n't taking my calls or my attorney 's. I believe this was deliberate ploy to take my home because they are getting paid for loan especially if it is an FHA mortgage. They are doing things that should n't be done and it needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Privacy

Complaint:
CFBPI have XXXX Bank of America Credit cards linked to my checking account. 
In XX/XX/XXXX Bank of America ( I will use BofA as abbreviation ) sent me aLetter stating that I filed for Bankruptcy and they closed my accounts. I never filed BK and had no intention to file. I called them and disputed this and Bof A reopened my accounts around XX/XX/XXXX. 
XX/XX/XXXX BofA started auto dialing and text messaging me. I sent them a letter to stop doing this as it makes me have charges. They continued anyways. 
I also filed a privacy request with BofA to not share my information. BofA shared my personal credit information with their affiliates anyways. 
BofA has run my credit report XXXX times since XX/XX/XXXX a couple were on the same day. I did not give Bank of America any authorization to make credit requests on my behalf. 
Around XX/XX/XXXX Bof A closed my accounts again. I called them and disputed the closing of my accounts and they reopened. They did not tell me they were running my credit as new inquiries. 
On XXXX BofA started making calls to me from blocked numbers. They use outsourced people from XXXX and the XXXX and when I got these incoming calls the persons were aggressive asking for my social, DOB, driver 's license etc. which seemed like a scam. I now know these calls were from Bof A and this person went to great efforts to harm me. 
I contacted BofA again on XX/XX/XXXX about XXXX letters they mailed to me stating they " were denying my request '' I made no request of BofA. After several calls BofA now states they will take the hard credit inquiries off my credit profile which were unauthorized as they know I did not ask for new credit. 
BofA harms my credit score with all these inquiries, reporting me as closed accounts by the bank, and erroneous reports of 30 days late. 
I want to make a formal complaint about BofA 's unfair business practices and failure to follow privacy laws, fair credit laws, they lie and cause hardship to consumers and customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Delinquent account

Complaint:
RE : XXXX/CitiBank Credit Plan credit card account I paid my balance in full by phone on XXXX/XXXX/16 BEFORE the due date of XXXX/XXXX/16 because their website was down, which I 've always used to make my payments ... and I ALWAYS pay in full! I also rec 'd a confirmation number from the phone customer service rep. However, when I rec 'd my next statement ( on XXXX ) there had been no payment and there was a late fee and interest. I was flabbergasted and confused ... and VERY upset! So, I immediately called and talked to XXXX, another phone agent, at Citibank ... who took my information AGAIN over the phone and promised to correct the error. When I checked my credit report later, I learned that they had listed my account as 30 days past due. SO, I website chatted with another Citi agent/manager XXXX XXXX XXXX, who instructed me to write a letter and they would correct the error ... again. They did reverse all fees and interest, BUT never corrected my payment history. This is inexcusable and of no fault of mine ... and REALLY damaged my credit, which was perfect. Please HELP!

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 2022-05-13
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe i may be a victim of Identity Theft, as I didn't approve any information to be used in my name. I am requesting that these fraudulent items be deleted from credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not review any notification or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting in accuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft my identity to the Federal Trade Commission Identity Theft affidavit in regards to this incident. I additional, I have attached a PTF document reflecting all items that were found to be unauthorized by any such

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since my mortgages origination with  XXXX  I have never had an escrow account. The loan was transferred to  Statebridge Loan Servicing approximately 8 months ago. On multiple occasions Statebridge called the local tax office a month before the taxes were due ( paid quarterly in NJ ) and the local tax office confirmed that the taxes for the coming quarter were not paid yet so Statebridge took it upon themselves to disperse taxes even though they were not authorized to do so. I had a conversation with the escrow department and the local tax office ( conference call ) to rectify the issue and a person from Statebridge confirmed that it was indeed a mistake for the taxes to have been paid and the local tax office refunded the last quarterly installment since I had paid the tax bill prior to Statebridge 's payment being received. Statebridge assured me and the tax office that this would not happen again ( this conve rsation took place in  XXXX   2017 . Sure enough it happened again for the next quarter. I paid the taxes on  XXXX   XXXX  in cash at the tax office an d Statebridge also dispersed the next quarter taxes even though I paid them. I called Statebridge today (   XXXX / XXXX / 2017  ) and the person said I was wrong and that I do have an escrow account. This person said there was nothing she could do and would have to have the escrow department reach out to me and that would tak e 5 business days.  I understand that a mistake happens but this happened multiple occasions, I have to fight with them all them time and its a vicious circle and I am tired of dealing with these escrow issues that should not exist. I attached a screenshot that shows the escrow being dispersed in  XXXX  and then being refunded in  XXXX  and then again dispersed  XXXX   XXXX .     I also have another complaint to make about them. I paid my mortgage on  XXXX   XXXX , which was a Saturday and they said that because the last business day of the month was the  XXXX , Friday my mortgage was officially being reported late even though I paid the mortgage on the  XXXX , within the 30 day late mark. Is it allowed for a servicer to report a mortgage 30 days late even if the mortgage was paid prior to being 30 days late? I have screenshots that can document this payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} TransUnion : XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$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
Consumer complaint received 2015-11-16
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I set up a Home Depot Credit Card, which apparently is serviced by CitiBank, to pay for countertop installation. I have an excellent credit rating, or at least did when I got the card XX/XX/XXXX. I NEVER received the actual card AND when I got a phone call from some company ( I did n't know it was CitiBank then ) claiming to be Home Depot and stating that I was late on a payment, I called Home Depot. The people at Home Depot told me the company had sent my card to a PO Box in XXXX, XXXX that I had CLOSED XX/XX/XXXX when I MOVED to XXXX, XXXX. Home Depot could n't straighten out the problem, could n't tell me why they sent the card to a 15 year old address, and could n't even tell me what was going on. By the way, I had n't had the countertops installed yet and when they were installed, they did it improperly. I went to the Home Depot store in XXXX, XXXX to PAY OFF THE DEBT. The store manager could n't figure out what to do, but I spoke to the CitiBank company via the store 's phones. I CANCELLED THE CARD WHILE IN THE STORE ON XX/XX/XXXX. I tried to pay the ENTIRE debt in full, but the store manager could not figure out how to do that! ( seriously! ) One of the employees said she would " figure out '' how to do it and I could come back the next day and she would " have the bill ready. '' I went back the next day and the store STILL did not have my bill ready to pay and the employees spent 40 minutes trying to figure it out even though I told them to simply refund the money, recharge it and let me pay with a REAL credit card ( XXXX ). Finally, they did just that and I paid the bill in its entirety with a reputable company 's card. I have received collection calls ( documented ) from CitiBank FOR A DEBT THAT HAS BEEN PAID AND CARD THAT WAS CANCELLED on XX/XX/XXXX at XXXX ( XXXX ), XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and ( XXXX ). I received one other call from CitiBank for debt collection prior to XXXX ( which prompted my investigation ), but can not find the number and date on my phone. Each time I 've received a call, I 've tried to speak with a representative and the recorded statement is ( something like ) : " I 'm sorry, but we can not respond to your request. '' STOP THESE XXXX! HOME DEPOT WO N'T DO ANYTHING. THE DEBT HAS BEEN PAID IN FULL AND THE CARD WAS CANCELLED!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2015 my wallet was stolen out of my husbands hospital room. I reported it to hospital security as well as crime check, Claim # XXXX. That evening I called and reported it to the lost/stolen number for Macy 's. The next day they called and told me that my card had been used at a XXXX XXXX ATM machine for {$240.00}. T that would have proven that I. I have called every month for 8 months to check and have been told it was it was in process. About 3 weeks ago I called and was told it had been denied. I asked how to go about appealing and was told to write letter with any pertinent information, which I did. I 'm frustrated that it has taken 8 months to come to this decision. My Macy 's account had no balance at the time my wallet was stolen and now with all of the late charges my balance {$510.00}. I feel that they should have acquired the photos that would have provided the proof that it was not 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 2022-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job in 2009 and had to move to another state to work. I had to walk away from my home XXXX. Bank of America went to the courts for the permission to recover the home, which the court granted. It has been XXXX years and BoA refuses to finalize the foreclosure because it is not worth it for them finish. This is holding my family hostage. My wife and son both suffer XXXX. Living in limbo and not having a home of our own is having profound impacts on my family. I am a XXXX veteran who needs to buy a home here XXXX, but I ca n't move forward with my life, because BoA is treating my situation unfairly.

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