BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: CNG FINANCIAL CORPORATION
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To Whom It May Concern, May I please request you help. I borrowed through an installment loan company known as CHECK N GO, {$5000.00} I have now paid the company ( 7 ) payments that all were applied to their high interest totaling {$3500.00}. I contacted the local office located in XXXX  XXXX WI and the pay-off amount is another {$5000.00} ( + ) to end the loan! I have contacted customer support for this company asking for their assistance in accepting a hardship pay-off. They have told me to date I have another ( 14 ) more payments due and the only way to end this loan early is to let the loan go into a 90 day old late status. The loan then is moved from the local store to the corporate office for collection status. I contacted all three credit bureaus and the company is consistently reporting the balance late, therefore destroying my credit. This should be considered illegal banking practices and this company along with others should be closed. It is pure thievery. All i am asking is to pay-off the loan for a reasonable sum in one solid payment. To be made to wait 90 days for my credit to be destroyed makes no sense. I have acted honorably I would ask this company the same. The local office is of no help they will not consider a lesser amount to close the loan, threatening higher interest daily. This seems so unethical in todays checks and balances world. This loan is seven months old. All I ask is for the company to reevaluate the loan and offer a settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citibank checking account promotion for XXXX AAdvantage miles on XX/XX/23. 

To qualify for the bonus, both must be posted within 90 days of opening the account : 1 ) Make at least 2 qualified ACH deposits equaling {$1000.00}. ( completed on XX/XX/23 ) 2 ) Make at least {$1000.00} in purchases using their Citibank debit ATM card. ( completed on XX/XX/23 ). 

Citibanks Terms and Conditions copied from this promotion : Your Checking Account must remain open until you are paid. 
To remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your bonus. Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all Required Activities. Note : You will not fulfill the offer requirements if your Eligible Checking Account or AAdvantage Account are closed at the time the AAdvantage miles are credited to your AAdvantage Account. 

I inquired twice, after 30 days from the qualifying actions, and was told to wait up to 90 days. I called again on XX/XX/23, and the representative escalated my claim to the promotions dispute department after confirming that my bonus miles should have been awarded on XX/XX/23. Rep asked that I call back the following Friday, as disputes can take up to 5 business days. 

Today ( XX/XX/23 ), I was told the dispute was resolved on XX/XX/23 in my favor, and that I did completed the necessary activity to receive the bonus, and that my miles would be awarded. But that I must wait another 30 days to receive them. Unacceptable. 

My complaint : I do not believe Citibank had any intention of rewarding my miles. My account has been open for over 90 days, in good standing throughout. No action from Citibank would have occurred without my several inquiries. If a consumer must abide by the terms and conditions to qualify for a bonus, then the financial institution should be held to the same agreement they state in their terms to award their customers. I believe the funds in this account is being used for the benefit of Citibank, and extending this use for as long as possible without obligation to their consumers, nor an urgent resolution to restore consumer trust. 

I have all supporting documentation to support my complaint.

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 2023-07-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I worked for 1 company over 8 years. Every check deposited was on hold sometimes for 2 weeks or sometimes for 1 week. Which in turn caused me to overdraft living paycheck to paycheck. I was told several times to call my home branch and even then they gave me a hard time to clear a check from payroll. Which I am now in collections from a delayed deposit which I received multiple overdraft fees.

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 2023-03-10
Company: CCF Intermediate Holdings LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Through XXXX XXXX I was approved and received three ( 3 ) notifications for loans in the amount of {$5500.00}, {$7500.00}, and {$6800.00} but upon clicking through the emailed link for {$6800.00} I was subsequently denied at SpeedyLoan. For reference : XXXX : The firm listed below is ready to set up ( 1 ) large direct deposit ( By Saturday ). 

Please review the details below and then complete the process by following the link under this message. 

Direct Deposit Details Lender : 2023 XXXX XXXX To : XXXX XXXX : Up to {$7500.00} Estimated Processing Date : Saturday, XX/XX/XXXX by XXXX XXXX XXXX  Immediately pay for things like upcoming rent, last month 's electricity bill, take a trip this Spring, or pay for anything at all. 

This process is 100 % secure + confidential. 

Confirm Your {$7500.00} Deposit Here This newsletter is part of your recent inquiry at XXXX XXXX.

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 2023-02-06
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I went on XXXX XXXX XXXXXXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: MS
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:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 


I've sent a letter to the bureau on XX/XX/2021. It's XX/XX/2021 and I have yet to receive an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/XXXX I sent a letter explaining that Experian is reporting that I have an alleged collection account for XXXX XXXX XXXX that is OPEN and with a past due balance of {$960.00}. This is a FCRA violation of requisite METRO2 compliant standards.

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 2021-08-05
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$220.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: SIMM Associates, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SIMM associates is emailing me about an account with purchasing power. This is not my debt. I did not give anyone consent to give away my information. No consent is identity theft. Please stop contacting me regarding this account it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : I have filed a previous complaint with XXXX, XXXX, and Experian with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the Fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: CO
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:
2 Personal Loans from XXXX XXXX XXXX was recently paid off. The team @ XXXX indicated that they've provided updates to the ( XXXX ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX accounts will remain unchanged showing both accounts open with a current balance as per the request from XXXX. 

Please see the attached email from the office of the CEO @ XXXX confirming the accounts were paid in full, closed, and the credit reporting agencies were notified. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have from the opened accounts. 

Account # : Loan XXXX # XXXX Loan XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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:
There is a total inaccuracy on my credit report and i noticed that some inquiries that are not authorized are on my report, this violated my consumer right because i do not have nothing to do with the inquiries, I will like the following inquiries to be removed from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX finance XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft.

I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data.

I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation.

To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken.

Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process.

I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: MS
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 aware that my SSN belongs to the ( XXXX XXXX XXXX XXXX  XXXX and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EXPERIAN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX for the account opened XX/XX/2020 with account number XXXX and XXXX XXXX XXXX XXXX for account opened XXXX XXXX with account XXXX. Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EXPERIAN ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX 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 2021-08-06
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today is XX/XX/2021. 
LoanCare/XXXX  is my mortgage servicer. They are holding {$7300.00} in escrow funds and are refusing to make a tax disbursement of approx. {$2900.00} that was due on XX/XX/2021. They said this is handled by a 3rd party company called XXXX and they can't control them. I will be charged a late fee from the town and this is holding up my refinance. I will also incur rate lock extension fees as we are waiting for LoanCare to pay my property taxes. I have called 5 times this week with no resolution. Horrible company. I'm sure this is happening to thousands of people across the great state of NJ.

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 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a fraud claim with Bank of America and they didn't even attempt to investigate my case. They closed it out immediately without reason. It has come to my attention that there is a case open against them with the federal court. I'm also reaching out to the courts for assistance in this class action. I'm also asking for your assistance in this matter. 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
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter XXXX XXXX XXXX of notifty them that i have an inquiry on my experian credit report that I did not authorize. I also let them know that i didnt give written authorization to pull my credit. This is consider to be identity theft. becuase you willingfully pulled my experian credit report with out my authorization

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