BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: CITIBANK, N.A.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is regarding my Citibank checking account ending in XXXX. 

I opened a checking account with Citibank due to a promotion they were running where you would receive {$150.00} for funding the account with {$5000.00} for 90 days. I signed up for the account using the promotional link from their website and funded the account on XX/XX/XXXX, with at least {$5000.00}. Since I liked the app I also opened a savings account and credit card. 

As I continued to not receive the promotion despite meeting the conditions I contacted customer service several times in XXXX and XXXX where I was assured I qualified for and would receive the promotion. I finally took a screenshot of one of the conversations via chat on XX/XX/XXXX, where the representative confirmed I qualified for the promotion and said I would receive the promotion by the end of XXXX ( see attachment, although I am sure you can pull it up from my message history as that is where I found it ). My belief from future conversations was that at this time the employee coded my account with the wrong promotion code which caused the future issues. 

Meanwhile, on XXXX, XXXX, XXXX, as I did not realize I needed to maintain a minimum of {$5000.00} in the account to prevent a {$15.00} service fee, I withdrew the payment for my XXXX XXXX XXXX from the account, dropping the balance under {$5000.00}. In XXXX I received the monthly service fee, which was refunded due to my reaching out and once I learned of the balance requirement I brought the balance back up to at least {$5000.00}. I have since been charged the fee every month since and have had to make multiple contacts to customer service. The most recent fee for XXXX they claim they are unable to refund even though my balance has been over {$5000.00} since XX/XX/XXXX. 

As I still had yet to receive the promotion I continued to reach out to Citibank via phone and email and eventually reached out to them via XXXX. 

On XX/XX/XXXX, I was contacted by their Social Media team who was extremely discourteous and unhelpful and took every opportunity to be condescending and couldn't even find the correct promotion. 

They told me about the the terms of another Non-targeted offer, which started XX/XX/XXXX, the Promotion code was XXXX, showing they did not even know what they were researching since I opened the account in XXXX of XXXX. I eventually had to end the conversation because they were so unhelpful. 

I find this very disappointing and more than anything want other consumers to beware dealing with Citibank because they are actively trying to not abide by their own promotional offers. 

I would also like the {$150.00} promotional credit and the $ XXXX  Monthly service fee refunded to me for a total of {$160.00}. 

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 monetary relief
Consumer complaint received 2023-01-27
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:
XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX  XXXX XXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Chime Bank allowed a person that doesn't & has never resided at my property address to open an online bank account. I notified Chime on XX/XX/22 of the fraud that was committed. I received a response from Chime advising that they could no longer do service with me and that they will l be closing my account. I have never opened a Chime account. Chime needs to do more to combat fraud which is raging in this country. I am very concerned about Chime 's verification process with allowing fraud to occur and want them to cease and desist from allowing someone to fraudulently open accounts in my name as well as allowing someone to use my property address for their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ERC
State: TN
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:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, Debt Declaration Letter, and cease and desist. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I opened a new PayPal business account on XX/XX/XXXX and received the first Payment on XX/XX/XXXX of {$390.00} via my XXXX XXXX which I have had for a couple of years. My new trademark and company just finished registration so I switched out the prior paypal account to my newly registered XXXX. After I received my first order to the new PayPal account, PayPal asked to verify my Identity which I immediately complied to. Soon after that they permanently suspended my account without giving further explanation. I have been legitimately running my business for many years without any problems and my shop is in great standing with almost only XXXX star reviews. 

I also called PayPal customer service for XXXX minutes but they didn't want to disclose further information or help to resolve this issue and the customer service agent got quite rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have no knowledge of these accounts and hard inquries.

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 2023-01-27
Company: Experian Information Solutions 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:
XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX  XXXX XXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently submitted a request for an investigation of the accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually, I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never been late on these accounts so please remove the late dates on these accounts ASAP.

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 2022-10-31
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a borrower impacted by the Joint Consolidation Separation Loan Act I contacted Mohela about our loan # XXXX by phone the beginning of XXXX asking for a 30 day forbearance and they verbally granted it. But they are still sending a bill for it. I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX explaining this to them and they only responded with an explanation that I already have a forbearance on this loan, but they are referring to my other loan # XXXX which is part of the pandemic forbearance. I tried calling and was placed on hold for 120 minutes and when someone answered, they took my personal information and put me on hold back at the beginning cue that said " your approximate hold time is 100 minutes. I had to go back to work and could not hold for an additional 2 hours. 

I also completed my annual recertification information on XXXX and they are sending me letters stating that I have not done it and increased my payment by {$300.00}. 

I also emailed asking for a PSLF forbearance due to our application sent in for the temporary waiver and they have not granted it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
CFPB I contacted Equifax PDF enclosed and their statement was they need account name, account number, and nature of dispute. I request they delete the 2 accounts because I can not get documents of authorization to report to credit reporting companies with my signature and a actual contract stating I am doing business with them with my signature .Also a copy of a contract is fraud 15U>S>C>1681 { a } { 4 } consumer right to privacy USC8 All Obligations belong to the UNITED STATES it is paid for16CFR433.3 All contracts are Held by the FEDERAL RESERVE any other contract is fraud .Equifax sent in their response to CFPB enclosed need the above information and it was enclosed Equifax fraudulently reported they didnt have the information I enclosed. By law { every } contract has to state in Bold 10 point type16CFR433.2 NOTICE any holder of this consumer credit contract is subject to { ALL } claims and defenses which the debtor could assert against the seller of goods and services obtained pursuant HEROF, Recovery HEREUNDERBY the debtor shall not exceed amounts paid by the debtor HEREUNDER 433.2 { a } consumer contracts consumer credit contract { any MEANS ALL } instruments which evidences or embodies a debt arising from purchase or a finance sale is define in paragraphs { D } { XXXX } of the section. I request that the CFPB step in on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
NAR, INC is trying to enforce a settlement judgement and execution of writ on judgment proof assets and income as my only source of income has been XXXX. Repeated harassment at my residents which recently my landlord office received complaints from neighbors that a constable service from XXXX XXXX, who continues to bang on the door and altering my door by taping up the door with notices. This is my residents but I do not live in my unit for my own safety as I stay elsewhere. However, I am receiving contact from the landlord office about their constable service disturbing the peace at this community residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been unable to manage my security freeze with Equifax using their online portal, myEquifax. The myEquifax system generated an error when setting up my online profile in XX/XX/XXXX. When I attempt the account sign-up process again, I am told that I already have an existing account, and that I should attempt a password reset. The password reset function does not work. I have contacted myEquifax customer service by phone at XXXX on at least 6 occasions since XX/XX/XXXX and am repeatedly told that my case will be escalated, and that I can expect a response within 48 business hours. However, I have never received a callback or further correspondence, and this issue persists. Most recently, I contacted myEquifax customer service today, XX/XX/XXXX, and was told that customer service agents are currently unable to assist because of an ongoing " system update. '' This situation is unacceptable, and plainly violates my consumer rights under section 605A of the Fair Credit Reporting Act ( 15 USC 1681c1 ( i ) ( 6 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: PA
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 XXXXwho is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-08-05
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is about the 7th time my loan has been sold and now it has been sold again to the rinky dink operation  Loancare , LLC. I have a 15 day grace period on my loan and paid my loan on the XXXX through their website and was charged a {$10.00} fee because it was 10 days after my due date. Isn't this considered a late fee? I emailed them and this is the response I received : Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Fee Inquiry Dear Valued Customer, Thank you for contacting us.

Our payment fee schedule is as follows : On the website : On or before your due date No fee 1-4 days after due date No fee 5-9 days after due date {$5.00} 10 days or more after due date {$10.00} Over the automated system : {$12.00} All loan payments made with a live agent will be assessed a {$15.00} fee regardless of the date of payment. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Customer Support PO Box XXXX XXXX  XXXX, VA XXXX ********************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. 
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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 2023-03-28
Company: Alorica Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan last year through a company called XXXX ( loan originator ). The name of the loan was a " Borrow and Grow '' plan. The way the account worked is that once I paid the loan off in full, Iwas to receive my savings account balance upon payoff which as of today is {$1800.00}. XXXX sold my loan to SST in XX/XX/XXXX, and SST became the new servicer of my loan. I paid SST in full on XX/XX/XXXX via ACH debit in the amount of {$2700.00}, this payment paid off my loan. So about 3-5 days later I called SST to request that SST release my savings account funds. The rep took all of my information including checking account number, and routing number and told me that within 10-15 days I should receive an ACH deposit of my savings funds which is being held by a bank in New Jersey called XXXX XXXX XXXX . The deposit has not happened, so I called a couple more timesand was told that it could take up to 21 days and I should receive the funds soon. Well I have not received anything. When I call I can't speak to anyone in the United States. I have to speak tooverseas call center reps that don't even work for SST and a supervisor is never available. I want XXXX XXXXXXXX XXXX to release my savings funds.

Company response to consumer: Closed with explanation