BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased from  XXXX . At that time I opened a credit card, as I was offered reward credits. I called many times requesting a bill and amount of rewards. After many months I finally received a bill with lots of late fees. I was told bill was sent out. I do n't believe it, I have lived here 27 years, I have always receive my mail. I called Comenity Bank and was given an balance of bill without fees ( I trusted their figures  ). I i mmediately paid over {$1000.00} and considered the bill paid in full. Within a month  or two I re ceived a bill for {$2.00} to {$3.00 } hundred dollars. I w as told there was an error, the finance fees were not removed.  Said he wo uld remove finance fees, again, I was paid in full. Next bill continued to have finance charges. and late fees. Next call : I was told finance charges are never removed. Each month late fees are added. I plan to call   XXXX   XXXX   office. I am  XXXX   XXXX   XXXX  and always have had excellent credit.   Please advise me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Savings account and Checking account with Citibank for their promotion of {$700.00} bonus per their terms in XX/XX/XXXX. 
Citibank 's XX/XX/XXXX letter ( XXXX ) acknowledged the {$700.00} bonus. 
But Citibank is making the excuse of my accounts was closed on XX/XX/XXXX. 
My accounts were set up by XX/XX/XXXX. 60 days term + 90 days to receive bonus would be XX/XX/XXXX. But till now Citibank has not paid the {$700.00} bonus.

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 2023-02-01
Company: CITIBANK, N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Sunoco on XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged my account XXXX  times in the amounts of XXXX, XXXX and XXXX ( XXXX total ) on XX/XX/23, no gas was purchased. The POS system displayed a pin pad error. I have not received my XXXX in XXXX  days.

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 2017-05-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My furnaces became non functional and unsafe on  XXXX   XXXX    XXXX    XXXX  so out of desperation I accepted the first deal that I thought made sense. I have had trouble getting in contact with a customer service agent and even logging to make a payment. I was able to login today and make a payment and I plan to pay this off by the interest deferment deadline. However, right sizing the account has been a chore. And has lead to late fees and pre interest compounding. Can someone please contact me and consider the reversal of the late charges and finance charges that I have accumulated inadvertently? Please help me right sze this sinking ship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NV
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 my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-05
Company: P&B Capital Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter that they received certified on XX/XX/2023 in which I asked for viable evidence bearing my signature that I was responsible for this account. I received a letter back that did not provide this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a charge dated XX/XX/19 from XXXX XXXX for {$33.00}, my most recent statement ending XX/XX/19 did not have the $ XXXX monthly dining credit from this eligible merchant, I have also waited 4 weeks for this credit to post as outlined on the terms page. Attempted to utilize live chat on XX/XX/19, which was useless and of no help. Further, attempted to call the customer service number on back of card on the evening of XX/XX/19 and spoke to XXXX, explained the situation and after being placed on hold, was told that it must have been a " system issue '' and that she would issue the {$10.00} credit. Two days later this was never done and is not showing up on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is the complaint about Citibank - their handling of sign on bonuses for opening credit card accounts. I opened Citi Premier card on XX/XX/2023 using public link and there was a sign-on bonus of XXXX ThankYou points for opening the account and completing {$4000.00} spend in 90 days. I completed these spending requirements, but didn't get the bonus within the promised timeframe. I called Citi ThankYou customer service center and was advised to email the copy of the sign-on bonus offer to XXXX. 
I am not getting any responses from that department despite several follow-up emails. 

Thank you, 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 2023-06-14
Company: EQUIFAX, INC.
State: MD
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$780.00} ; XXXX  XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Please update my account to reflect this, as I have always paid on time and it is unacceptable that it should suggest otherwise.

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 2022-11-17
Company: EQUIFAX, INC.
State: AR
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 am submitting another CFPB complaint to reques to you to once again request to remove the fraudulent accounts and information from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Under the Fair Credit Reporting Act section 605b, I am ordering you to please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00}. You have been failing to send me copies of proof of verification or proof of ownership to support your claims that the disputed items belong to me. In the absence of such documents, you should have removed the fraudulent items from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer opened an HSA account on my behalf to supplement my HDHI ; I make bi-weekly contributions directly from my paycheck into said account. Verified identity on XX/XX/2020 w/ HSA Bank via customer service rep ( on phone ), submitted required documents via e-mail form sent by rep. I set up my online banking, ordered my debit card, & added my wife as an authorized user. On XX/XX/2020, checked my online banking w/ HSA Bank to confirm funds were available to pay for an upcoming XXXX  procedure on XX/XX/2020 ; funds showed a {$0.00} balance, instead of the {$600.00} that should have been available. Description of debit listed " Excess cash disbursement ''. Upon calling HSA Bank, I was told that my account had been closed due to failure to submit required identifying documentation. I was also told that 2 letters had been mailed to me prior to closure. ( I have received nothing of the kind, just my debit card & my monthly statement ). Also, there were no messages in my online banking inbox. I told the rep that I had submitted these docs via e-mail, & that obviously someone had received it, as I was able to activate my debit card, set up online banking, change my mailing address AND add my wife as a user. They recommended I call back the next morning & speak to the Operations department, as I had the successfully sent email in my Sent fold on Outlook still. I did call back on XX/XX/2020, & was told " Oh, we found the form you sent, it's taken care of ''. We will issue a stop payment on the outbound check & put your funds back into your account. You will see them by XX/XX/2020, at the latest. '' As of XX/XX/2020, I have not received my {$600.00} back into my HSA ; I received the check issued on XX/XX/2020, call HSA Bank today, & was told the check was void & they were still working on putting the funds back into my account. THIS IS TOTALLY UNACCEPTABLE ; I did have my XXXX procedure on XX/XX/2020 & had no way to utilize MY MONEY that was set aside specifically for this need. There was no error or oversight on my part, HSA Bank has negligently handled not only my personal information ( a copy of my driver license & social security card, along with my signature ) but my money that I entrusted them to keep sound. I still have no timeline as to when I will receive my {$600.00} back, & no explanation or theory as to why my personal information was not handled properly or competently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
so here 's the deal. i bought a house last year, closed on XX/XX/XXXX and then right before i was to make my first payment, i was laid off. i immediately requested a 1yr deferral of payments per the covid bill which was granted. during that time, XXXX XXXX said their investors were also giving another 6 months on top of the 12 and i indicated i would like that just in case. 

shortly after, the loan was sold to Freedom mortgage who says they " arent sure '' if theyre offering the same 6 month extension even though theyve admitted that they have the same investors. they also fudged my paperwork and requested a restart of payments on XX/XX/XXXX instead of an EXTENSION as per the 6 months allowed by the investors, and on top of it, said my 1yr deferral expires this XX/XX/XXXX...... which is the 1yr anniversary of when i bought the house, NOT when i requested the extension. 

on the call today, Freedom mortgage said there was nothing she could do to get it out of a loan mod and in to an extension, and then when i said OK, you know what, i think its time i call the CFPB and the VA, she changed her tune to " oh you know what i can re request an extension '' when she said she couldnt 5 minutes before that. im over it now and clearly they are playing dirty, nor would she put in writing the requests i was making ( deferral for 6 months after initial 12 months expired, converted to 40yr mortgage and then interest only payments for the first 4 months after ). i told her this house has equity and i have a permit showing another 2 bedrooms im adding downstairs so you have nothing to worry about. 

time to possibly take l ; egal action or submit a complaint to you guys.

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 2023-05-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I asked the company if I could pay a payment each month directly to the principle! I want to pay down my balance faster! I was told this is not an option! I don't understand why it us not an option!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: TX
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 MAILED IN MY FTC ALONG WITH CHALLENGE LETTER ABOUT INFORMATION BEING INCORRECT ON MY REPORT.

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 2023-05-01
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2022 sent in letter to have automatic payment setup was not executed per my request. 
XXXX did not apply payments and did not setup the auto pay. 
spoke with XXXX in XXXX, got the form from him, and set it in to the company directly. 
They could not make a payment plan after making exactly 1/3 payment of total bill. 
Had to call in to make that payment. 
The card services you call into is in XXXX, and they do not understand when you explain the problem to them. 
They are not interested in helping to resolve the issue and will continue to report to credit companies as past due even with it being their error.

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 2023-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$44000.00} ; XXXX XXXXXXXX Balance Owed : {$44000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: PA
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:
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. 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 explanation