BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/XXXX I sent a dispuite to Experian about the following accounts : XXXX XXXX, which you claim I owe {$9100.00}. 
2 ) XXXX  XXXX  : XXXX. {$4600.00} DATE OPENED XX/XX/XXXX XXXX ) XXXX  XXXX  : XXXX. {$2900.00} DATE OPENED XX/XX/XXXX 4 ) XXXX : XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX. DATE OPENED XX/XX/XXXX XXXX ) XXXX/XXXX  XXXX  . XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} DATA OPENED. XX/XX/XXXX It's been 45 days since I sent this dispute and they have not answer as they are required by the FCRA

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 2017-05-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened an account on line and then received a call to call them about the application. When I called them the representative could not find the reference number. After transferring me twice and account representative said they could not determine what the issue was but my card was approved and in the mail. I received the card and immediately actived it online as instructed. I then received a call from there fraud unit saying the account was on hold. I again called and was told the account had been activated and I was good to go. I attempted to then use the card at  XXXX  and the transaction was declined. I used online chat to check the status and the agent said the card was on hold for frau d. Citi continue s to tell me the card is good and then declines my usage. I am going to cancel the card because it appea rs Citi is trying to  run a  XXXX  FICO score. I am a good paying consumer and it is clear  Citi has no regard for it 's consumers. This is poor treatment and it is clear Citi processes are  designed to force consumers to call them to cross sell products and waste your time. I have other  XXXX  accounts so they already know me as a customer. I want others to know they should avoid using 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 2016-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a member of USAA. I had a joint checking account with my wife as an authorized user. At the time, she was also listed as an authorized user on the USAA MasterCard. We had financial issues and the MasterCard account went delinquent. Soon after, I removed her from the account as we separated. I voluntarily removed myself from the joint checking account, leaving it to her. I then attempted to add a new checking account with USAA but was denied. They said that I could not have a checking account due to the balance owed on the MasterCard. I accepted that. Now I find that my wife still has her USAA checking account as an active account. USAA refuses to discuss it with me as it is her information. I get that. I do n't think it fair that me, the service member who originally had eligibility for their products, am now being denied an account when she is able to remain a member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: FACTUAL DATA CORP.
State: CA
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:
factual data has done hard inquires on my credit report. I have contacted them they have no response. https : //www.factualdata.com/index.html.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi, Recently I submitted identity theft investigations to all three credit reporting agencies XXXX, XXXX, and Transunion. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, XXXX 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 2021-10-31
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan account XXXX used to be with community loan servicing llc my property address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my social XXXX year of birth XXXX I was approved for a loan modification my first payment would be XXXX due XXXX XXXX with a grace period it was approved by Mr XXXX XXXX title asset manager phone XXXX XXXX XXXX faxXXXX  XXXX XXXX. On XX/XX/2021 I got fed ex agreement I affect the modification. .my complaint is that my loan was sold to a new servicing company called Selence finance their phone number is XXXX XXXX XXXX my new account number is XXXX my name on loan XXXX XXXX XXXX 3 social security number is XXXX and my year of birth XXXX I was advised by my prior lender XXXX  that the new lender selene finance will honor my loan modification. But when I called serene finance at XXXX XXXX XXXX they told me XX/XX/XXXX that my information from XXXX XXXX XXXX  XXXX  is not in their system yet and once it is I have to do modification all over again. I talk to prior lender at XXXX XXXX XXXX XXXX Mr XXXX XXXX that did approved me. At phone XXXX XXXX XXXX. That serene finance has to honor that modification that approved by the investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XX/XX/XXXX, we received an alert from our ProtectMyID service, as well as XXXX credit card that a major derogatory has shown up in our credit report under the name AFNI Collections. We tried resolving it through the XXXX service but after some phone tag, they seem to have no intention of helping us further. We later received another alert - XXXX XXXX. Also note that the original Creditor account numbers are the same, so I assume that the collections account was sold from AFNI to XXXX XX/XX/XXXX. 

I contacted XXXX XXXX, found out it's a XXXX XXXX  account. I contacted XXXX XXXX, was told it's an XXXX XXXX XXXX XXXX account, and was given some information about the account, including an account number. I was then being " transferred '' to the XXXX XXXX XXXX XXXX department, but was put on a very long hold. I waited 30 minutes and gave up. Then I tried contacting AT & T UVerse directly, but the operator kept routing me to extensions where no one ever picked up the line, and the call disconnected. I am at a loss, I can't contact the company that is doing major damage to my credit. I have already submitted a report to the FTC, and planning to freeze my credit, but I need help removing this from my credit report. 

XXXX XXXX XXXX numbers called, did not receive help : XXXX XXXX Info on Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud service address : XXXX XXXX XXXXXXXX XXXX. 
North Carolina Acct. active around XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I owed by a bank for a personal loan taken out years ago. A judgement was put on me. I was contacted by XXXX XXXX XXXX XXXX claiming they could solve my debt with BB & T now Truist and I would make regular payments to them. I made regular monthly payments of XXXX each month for 15 months beginning XX/XX/XXXX via my debit card on auto payment... then it just stopped. I called XXXX XXXX and they said my debit was paid. no further action was needed. 
On XX/XX/XXXX I was served papers again from The Court Of Common Pleas XXXX XXXX PA stating there was again a judgement against me and now a lean all documentation is attached

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 2022-08-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  Balance updated XX/XX/2022 This account should be removed completely from my Credit Report...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Yes my name is XXXX XXXX I have sent a security deposit of XXXX to open a citi bank secured credit card. I had it for a few days when i called to have help creating online banking for my card. Somehow they think i was fuard and blocked my card. Its been blocked sense the XX/XX/XXXX. I tried everything in my power to unblock it and the number i have on my account they stated they cant verify it. I dont have a landline im XXXX why do i need a home number. The early warning citi bank would not let me cancel my card even if i cant use it. Their service is very rude and the people that i have talked to isnt even american. So i would like my card closed and the refund of the rest of my security deposit thats left. Thank you. I will never ever do buisness with citi every again in this lifetime Horrible 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, TransUnion, and 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. It, also, states a consumer reporting agency can not furnish an account without written instructions. 

The following information is incorrectly reported by Transunion : XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and was told XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX 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 2019-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my mortgage since XXXX with chase, then chase transferred their loan to SP Servicing. since then SP servicing has played a game where every month they say they are missing documents, I provide all of them, with proof, then they wait, then they ask for documents again. This has last until now XXXX!!! I think that they did not want to refinance when the rates were quite low in XXXX and XXXX and now UI am stil having a problem. Furthermore, in XXXX, they requested for me to provide proof on insurance along with the fact that I was paying my real estate taxes. I provided them with proof of insurance along with a statement from my insurance that I was fully insured without any interruption. They acknowledged receipt of the documents but still charge me close to 10K for insurance and real estate taxes. As of today, they have not refunded my account for all this money and are continuing to charge me for insurance. 

This company is much less that honest and they should be fined a very large amount and they should not only pay me back for the money they charged me but they should pay me for interest they charged me on my mortgage. Here is their website and I hope you can help. www.spservicing.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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  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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2019-05-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I received a collection letter from Credit Collection Services regarding a debt I did not recognize. 

I sent them a fax on XX/XX/2019 asking them to validate the debt. 

They refused to respond. 

on XX/XX/2019 I sent another fax advising them they refused to validate the debt and are continuing to collect on the debt in violation of the FDCPA and UDAAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I purchased a cabin on XX/XX/XXXX and got a mortgage through a broker. The loan was immediately sold to New Rez and all of the escrows collected at closing were transferred as well. 

Due to the timing of the closing we were concerned that the bill for property taxes would make it's way to the mortgage company given the time it takes to update the county records. In an attempt to avoid a late payment of the property taxes which were due XX/XX/XXXX I called New Rez to explain the situation and give them the property tax bill and tried to ensure they would pay it. Below is a summary of the calls I have made to New Rez XX/XX/XXXX My initial call to New Rez, I explained to them my concerns about the property taxes being paid and the situation I described above. They informed me that it didn't look like our account was setup for escrow ( It was and we paid the initial balances at closing ), but that can sometimes take up to thirty days to show up in their system. They advised me to call back at the end of the month and send in the property tax bill. On XX/XX/XXXX I emailed them the property tax bill which the acknowledged receiving. 

XX/XX/XXXX I called New Rez to verify that our account did have an escrow and they confirmed they had an escrow account for both property taxes and insurance. They also confirmed again that they received the property tax bill that I sent them and that it was scheduled to be paid in one to two weeks. Note that I can also clearly see on my mortgage statements that there is an escrow account with a balance ( more than enough to pay the tax bill ) and a portion of my payment is going to fund the escrow account. 

XX/XX/XXXX I received a letter from the county that the property taxes had not been paid and that late fees and interest have been assessed. I called New Rez again, this time they seemed to be very puzzled and nobody had any clue on how to help me, they transferred me 4 times which lead to me being on the phone for 1 hour and 5 minutes before anyone would even talk to me. They assured me that the order was in to pay the taxes and that they would cover any late fees and interest. 

XX/XX/XXXX My wife called the county to see if the taxes had been paid, they have not. She then called New Rez where they again acknowledged that a ticket had been opened XX/XX/XXXX and that they had received the tax bill but the ticket was still open. Despite our efforts we have not been able to speak to anyone that seems to know anything about our escrow account or how the property taxes should get paid. Nor have we been able to talk to anyone who even has a hypothesis on why our taxes have not been paid. They re-assured us that they would get paid and that New Rez would cover any late fees and interest.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
According to my XXXX Credit Report dated XXXX XXXX, XXXX, Sears/CBNA has submitted XXXX requests for credit history information. XXXX requests were submitted in the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX. Contact was made with the, following employees of Citibank , NA the responsible party for this account, on XXXX XXXX, XXXX, XXXX was contacted, on XXXX XXXX, XXXX, XXXX was contacted and on XXXX XXXX, XXXX, Praise was contacted. All three employees stated additional credit inquiries are requested when a major change is made to the account only. Citibank does not make continuous inquiries checks on their customers. However, someone in Citibank is making monthly inquiries into my credit history and on three separate occasions have made XXXX inquires inside one month. There has been no major changes to my account, my account is in good standing. The credit inquiries started XXXX XXXX, XXXX, previous to that there were no inquiries made. I am asking Citibank to investigate this matter as these checks are being used to obtain credit history information for something other than a work related purpose.

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 2020-03-12
Company: Accelerated Servicing Group LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a new cell phone number in XX/XX/2019. The person who had this number prior is named XXXX. The debt collectors continue calling looking for XXXX. I have told them repeatedly that I am not XXXX, I do not know XXXX, and to stop calling me. They ignore these requests. This has been reported prior. I want this company fined and calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2016-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Other

Complaint:
Credit card account closed over a year ago and continue to get statement and be harassed by HSBC. 
In response to complaint filed, HSBC issued a response indicating the credit card account ending - XXXX is closed and that the credit will be deposited to my bank account. Please refer to Case number : XXXX. However, the credit has not be deposited into my bank account or been issued a check in the amount of {$98.00}. Furthermore, I continue to receive credit card statement ( Statement closing date XXXX XXXX, 2016 was received on XXXX XXXX, 2016 ). I understand Consumer Financial Protection Agency can only prompt the business to issue a response, but does the agency not ensure that the business does not lie or compel the business to do what it say it will do in the response?

Company response to consumer: Closed with explanation