BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
PROMO INCENTIVE NOT HONORED BY AMEX PLATINUM CREDIT CARD I am extremely frustrated with lack of service, attention, response and resolution to my complaint not receiving/ honored the welcome rewards bonus. 

I opened my Amex platinum in XX/XX/2023 with an advertised XXXX bonus after $ XXXX spend from XXXX site. I met all the criteria presented for the reward bonus and was looking forwardtothepremium credit card experience. 

After patiently waiting a few months, the welcome points were never credited, so I initiated inquiry via online chat on XXXX XX/XX/XXXX. I was told the points were not being granted and that I may submit an online document with Amex to dispute. I did this immediately Note. : There were no obvious Amex claims or warnings presented to me at application, that I was willing to proceed opening the new $ XXXX credit card without receiving the advertised bonus point offer. If there is such disclaimers in the pages of small print, that is extremely misleading and simply poor business practice. 

After waiting 5 days for an update or resolution and not hearing anything, I called customer service to inquire. I had a pleasant discussion with the rep but was informed my submission was denied with no explanation or contact. Sadly after a bit of time we realized she couldn'thelp and I asked for a supervisor or next level to help address my concerns. I was advised the manager was not available but I would absolutely receive a call within24-48 hours. 5 days later and this still hasn't happened. No calls or messages. I truly feel wronged and have spent an exorbitantamount of my time to get satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CITIBANK, N.A.
State: IN
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:
On XX/XX/XXXX20 my bank, XXXX XXXX, overnighted a check to Citi to pay off a credit card debt in full. The check was for {$14000.00}. XXXX Checked cleared, per bank, on XX/XX/XXXX20 ). After approximately 5 days, Citi was contacted to determine why check was not reflected on online portal. Informed to call back as it may not of been processed yet. On XXXX/XXXX/20, I called and informed payment not received and payment investigation was launched by Citi. I was later informed that check had been deposited in another account at Citi. Later, I learned XXXX XXXX had sent check without any of my identification. XXXX  XXXX submitted copy of check and letter to Citi for clarification as requested. Multiple phone calls ( totaling over 20 hours with wait times, etc ) to Citi. On XX/XX/XXXX I filed complaint with XXXX as issue had not been resolved. Subsequently, my account was appropriately credited and I closed complaint. Then, XXXX balance was placed back on my card. Again, more calls to Citi. After multiple calls, account again corrected to balance of XXXX XXXX I was provided a XXXX $ Customer credit for the trouble XX/XX/XXXX. XX/XX/XXXX my account balance was - {$25.00} ( reflecting gift and XXXX $ debt ). The following week, I noticed balance of XXXX XXXX Again multiple calls escalated. Today- 3 months later in totality- and issue still not resolved. Bank has submitted all requested information as I have been emailed fax confirmations from them, as well. I was recently was told by account supervisor XXXX at Citi on XXXX that all they needed was copy of check and it would be fixed. Issue still not fixed and told they need statement which my bank submitted. Reoccurring negligence and issue needing resolved expeditiously.

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 2021-03-30
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with Citi using the promotional code XXXX on XX/XX/20. I met the requirement to deposit {$15000.00} into the account within 30 days, and maintained that amount for the required 60 days. Citi has not credited my account the {$400.00} promotional amount within the terms specified in the sign up bonus terms, and when I inquired they stated I needed to have opened a second account and link it to qualify. I met all conditions of the sign-up bonus ( deposit {$15000.00}, do so within 30 days, and maintain that balance for 60 days ), which they agree that I did. As such, I would ask they be made to honor their end of the bargain, as I have left my money tied up with them for essentially no interest with the understanding I would be earning {$400.00} for signing up for the account.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXXXXXX # XXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name 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 explanation
Consumer complaint received 2023-08-17
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-06-01
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I sent puget sound collections a certified letter. The company failed to furnish me with any information, they have never sent me a letter before this is a violation of federal credit act and must be taken seriously.

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 2020-06-10
Company: HEAD MERCANTILE CO., 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: Account information incorrect

Complaint:
on XX/XX/2020 i sent a letter to HEAD MERCANTILE CO I DISPUTING A ALLEGED ITEM that they are reporting on my account asking them to validate the information @ hand because it hurting my credit also a violation of the Hippa agreement sharing medical information without my consent to third parties.I am asking for your assistance in this matter in correcting this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have a repo on my credit reports which I ask to the bureau to verify or remove from my credit reports and its been over 90 days and I still have not received any verification. I'm demanding this account be deleted immediately.

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 2023-06-01
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When we first brought our home XX/XX/XXXX, we did not know our mortgage was a balloon rate and would increase tremendously, we refinanced in order for our mortgage not decreased. In the process of paying our mortgage, I was preparing for retirement. 

We found out that we were scammed by a company called XXXX XXXX, who said that they will pay our mortgage payments, we were not to pay the mortgage people, they will, thought they were paying our mortgage, until we were threaten with forclosure notices, XXXX worked with us and deferred our missed payments. When they sold our mortgage to Selene, they wanted us to start paying towards the deferred amount in our monthly payment. 

We had two  modifications, the first was in XXXX and the second was in XXXX The modification appears to have a balloon feature which means that the entire mortgage comes due and payable in just a few years. Were you made aware of this? 
I was aware of the first one being in a balloon, I was not aware of the current being in a balloon rate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2017 I purchased some items from XXXX and I was offered a coupon but instead the employee mistakenly ran my credit line for a XXXX credit card which I am highly up set about.

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 2023-06-01
Company: Netspend Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I filed a dispute with my card company XX/XX/XXXX for fraud and unauthorized charges made on my account, due to my card being stolen. I was directed to send an email in writing requesting a provisional credit while the investigation take place. I received an email response to my request. 

The letter stated that a provisional credit will be granted in XX/XX/XXXX business days from the date of my claim. It has been XXXX business days since my claim, and I still haven't received a provisional credit. No cooperation or response from the company since I emailed letter and police 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 2022-03-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX There was two ATM withdraws from Chase Bank. One for {$1000.00} @ XXXX PM and {$2000.00} @ XXXX. It was not me. I did not receive a alert from Chase Bank until AFTER the transactions took pLACE. 

I called Customer Service as soon as I found out and they explained to me someone created a XXXX pay account @ XXXX and withdrew the money. 

I have talked to them many times and they tell me there is nothing they could do for me. They have been rude to me too. 
I went in the bank a few times also. They could clearly see it wasn't me. A different phone number was used to create the account that was used. 

I also want to know why I wasn't alerted before the money was withdrawn. 
They did decline one transaction from XXXX for XXXX but let {$3000.00} out of the ATM?? 
This was at Chase Bank XXXX XXXX XXXX ( they actually had to go in the bank to withdraw the money )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have submitted a inquiry to refinance my second home with Quicken Mortgage and I was contacted by phone by XXXX XXXX | Associate Banker, Direct : ( XXXX ) XXXX NMLS # XXXX on Thursday, XX/XX/XXXX. 

The broker appeared very knowledgeable and professional, however when we got to the point where he shared with them the loan he proposed, he refused multiple times to share with me the Loan Estimate document for the loan. He only offered to share numbers over the phone. The following is our last conversation over SMS, he has not replied nor contacted me since then : [ XXXX ] : Happy Saturday XXXX! I just want to let you know I am in the office for a few hours today helping a handful of clients get their loans locked in before the month ends. Do you have any questions before we move forward? 

[ Me ] Hi XXXX. Can you please send me the loan estimate document over via email with all the details. I need to do some math to see if it makes sense for us to refinance. 

[ XXXX ] : I don't have the ability to send a Loan Estimate until the application is printed otherwise I would gladly do it for you. Please give me a call when you have a moment and I will go over the numbers with you again so you can write them all down. And then crunch the numbers for yourself [ Me ] : When will the application be " printed ''? I won't be able to make a decision until I receive the Loan Estimate document.

I understand that lenders must provide a Loan Estimate document as a way for consumer to compare different loan products. The fact the he went silent after I directly told me that I was not going to move forward without viewing the Loan Estimate document tells me that something is not right with the loan product he wanted to sell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I did not give, written or verbal consent for this account to be opened.

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 2020-06-10
Company: Experian Information Solutions 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 final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX Bank XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: IL
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  Account # XXXX and XXXX XXXX Acount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
On XX/XX/XXXX, I purchased a vehicle from Mazda. Mazda collected {$1000.00} from me for a " down payment '', but never gave a disclosure of my finance charge which is the sum of all charges 15 U.S. Code 1605. I was also charged for car insurance which is also included in the finance charge. Mazda used false, deceptive, and misleading billing statements to collect debt from me which violates U.S. Code 1692e, 18 U.S. Code chapter 63, and 18 U.S. Code 1951. Violations of these codes can lead to imprisonment no more than 20 years. 15 U.S. Code 1635 grants me the right to rescind any consumer credit transaction. " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: DISCOVER BANK
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In an attempt to monitor and manage my money better I contacted discover bank about opening an account. Thats when they informed me that I could open a savings account about a debit account. However, they said that their debit system is down right then, but the lady told me that I waited a couple weeks that I can get a debit account to go with my savings account to be able to move my funds! I waited patiently and then I was told that they were doing the debit cards again so I contacted the company XXXX different times to which they denied my applications for debit card. They said it was in part due to my credit score, and the fact that I had activity theft as my ex-husband has destroyed me financially. He has withdrawn money about all the accounts so that is impossible for me to get a normal bank account. I am Non Emergency situation and having spent XXXX nights in the streets with no food no shelter no clothes and the company refuses to assist me in anyway. They misled me into an account and then when they claim that theyre not gon na make anyone pay the price for identity theft thats exactly what theyre doing. I should be able to have an account to move and manage my money, this is causing him at large amount of grief and I want you to know in life something needs to be done if Im not good enough to have a debit card to go with my savings account why would I want someone to hold my money and refuse to ever give it to me especially in a situation like Im in now. I spent the last XXXX XXXX years living in XXXX is trying to hide from the likes of my XXXX Im now here for a court date in XX/XX/XXXX and XXXX in the streets with no access to my funds. This is criminal..

Company response to consumer: Closed with explanation