BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account online with Truist Bank on XX/XX/XXXX. On the XXXX they sent 2 notices saying my account was being closed so to items from XXXX XXXX report. It stated that I could call and get my funds in the account from the branch. I called and spoke to their fraud department on XX/XX/XXXXXXXX  and they said I they couldn't tell me why the account was closed, but that I could go to the branch and get my funds that were in the account. I have went on Saturday the XXXX and Tuesday the XXXX and they said they couldn't give me my funds without approval. XXXX XXXX the team leader at the XXXX branch in Virginia told me that they started a case and I could come back in 2 days. I returned on XX/XX/XXXX, to be told that I was still not allowed to receive my funds. And then they stared the case just then. Every time I come in, there is no notes and I am left to start the process over. The 2 letters state I can receive my funds at the Branch yet they refuse to give me my money. Please make the bank follow the law and give me back the funds that were in the account when they closed it on XX/XX/XXXX. It has been 31 days and I am not allowed to receive money I deposited into the account before it was closed.

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 2018-11-19
Company: JPMORGAN CHASE & CO.
State: ME
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:
In XX/XX/2018 while attempting to pay for my plane tickets at XXXX, I was presented with a pop-up to apply for the XXXX XXXX. The offer at that time is the same offer as of XX/XX/2018, if approved I would receive XXXX miles, after XXXX in spend within the first 90 days. The rules stated that miles may take up to 8 weeks to post to your XXXX XXXX account. I've been checking my XXXX app and the miles never appeared, so I decided to call Chase Bank on XX/XX/2018, to see when they'd post? XXXX from the Chase Ohio office gave me her scripted response, that there are many offers out there at the same time, and that I received a different offer of a XXXX statement credit and XXXX K miles. 
I explained that the offer that I was presented with on the screen was the XXXX offer, that is why I applied. I wouldn't have taken a hit on my FICO score for only XXXX of miles! 

My wife, XXXX ' about 1 month later, also applied for the card and was presented with the same offer and the same thing also happened to her. The internet is full of people complaining about the same thing happening to them. 

I work for XXXX XXXX, and if a mistake is made like this it is fixed immediately. This is totally, " Bait & Switch ''!! I opened these credit cards in good faith, based on the offer that was presented to me while trying to pay for my airline tickets. 

I know for a fact that Chase can go back into the system and see which booking path was presented to me via XXXX software or something similar. 

XXXX & XXXX both from the Ohio office told me, that had I called back right away someone could've switched my marketing offer. I explained to both of them, why would I think to call back and try to change my offer, when I assumed that I was getting the offer that I was presented with? 

I didn't started wondering where my miles were at, until after the 90 days, plus 8 weeks had come & gone. 

This is very disheartening that XXXX XXXX & Chase Bank would cause detriment to their mutual customers in this way ; they deceived both me and my wife! 

I want Chase Bank to make it right and deposit the XXXX miles into both my account and my wife 's account. 

Sincerely, XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was getting emails from Chime a couple weeks ago about having created a new account with them when I never took such action. XXXX of the emails notified me that I had changed my phone number. This is the number that it was changed to : ( XXXX ) XXXX. 

I have no idea whose number that is, but I think that should provide some clue about who attempted this fraudulent activity. 

I emailed Chime last week ( XX/XX/XXXX ) to request that the account be closed as it was created under fraudulent pretenses. Soon thereafter I got an email informing me that they were closing the account. 

I just received a Debit card from them today ( XX/XX/XXXX ). I called them to assure that the account was closed. They assured me that it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, A charge was made on my CitiBank credit card of {$5600.00} without my knowledge. I saw this charge when I went to pay my monthly payment on XXXX. 
I immediately notified Citibank of this problem. Talked with several people before finally getting the fraud Dept. and was told they were opening a case. Fast forward to today, XX/XX/, after repeated calls, back and forth between the Billing dispute dept. ( which it is not ) and being told multiple times someone was going to take care of it, I call once again to be told " ok We will open a case ''. Are you kidding me? As I have been typing this I have been on hold to speak with a supervisor in the fraud Dept. XXXX, has reached out to me and reassured me that a credit would be on my account within 2 to 5 days and a charge back would be sent to XXXX XXXX XXXX. My hopes are up that she will keep her word and finish this nightmare for me. 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 2021-07-09
Company: EQUIFAX, INC.
State: NY
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:
These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I separated from the XXXX in XX/XX/2016 and because of this was unable to afford the house anymore plus we were relocating to a different state. We tried to pursue a deed in lieu of foreclosure with Wells Fargo due to issues with the Realty company we hired to sell the house not selling it. They set up the information and deadlines for information they needed and informed me if I do not meet deadlines we would have to start again from the beginning. I would email them and call with information they need, only to not be able to reach them at all and then deadlines expiring. Then I would hear from them only to inform me I had to start from the beginning. Starting from the beginning they would always enter some type of vital information incorrectly as well causing further missed deadlines. This predatory practice went on for months until I hired a law firm and this is when direct communication with Wells Fargo went smoothly. I then released the Law firm from working on the case, but I figured it would be fine because Wells Fargo was communicating with me directly at this point. This is when Wells Fargo stopped all contact with me again purposely to miss deadline to extend the timeline and gather more late fees. This would be a constant theme with Wells Fargo because they did not want the deed in Lieu of Foreclosure, they wanted the house to foreclose.

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 2018-03-01
Company: EQUIFAX, INC.
State: GA
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:
I have been notified that my personal information, along with the information of 148 million other consumers has been mishandled by Equifax, allowing it to be stolen from their data storage devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: CITIBANK, N.A.
State: MA
Product: Credit 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:
Citi sent me an offer to open a credit card account in XX/XX/XXXX 
The invitation had a number : XXXX and the terms included a balance transfer fee of 3 %. I applied, an account was opened, I began a balance transfer but the BUT THE FEE WAS RAISED TO 5 %. I made numerous calls, spoke to numerous people over the course of 2 weeks but the fee always remained at 5 %. Subsequently I decided not to make the balance transfer. 
This was BAIT AND SWITCH.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-14
Company: AmeriCollect
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection letter form Americollect for a medical bill that I owed. I sent an email asking for verification of the date, by which a letter was sent to me regarding the debt. The reason I disputed the debt was because I never received anything from the original creditor stating the debt was owed. Upon receiving the verification of the debt what I noticed was that the XXXX XXXX XXXX XXXX received payment from my insurance on XX/XX/21 and instead of sending me the bill they wrote it off on XX/XX/21 and sent it to collections without having the opportunity to pay the bill. Any previous bills I had received I paid upon me receiving them. Furthermore they sent me text messages about previous bills were due, but for this one they did not send anything. Even if they had sent the text on XX/XX/21, the same day that my insurance paid their portion, it wouldnt't have mattered because 3 days later they sent it to collections. 

XX/XX/21 XXXX XXXX {$150.00} XX/XX/21 Provider received payment {$100.00} XX/XX/21 Written Off/sent to collections {$19.00} The issue is not the amount due as I was also able to confirm the amount via my EOB from my insurance plan. The issue is an account being sent to collections and a debt collection letter being received regarding a debt that was never invoiced to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: UT
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2021-09-07
Company: Experian Information Solutions Inc.
State: LA
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:
I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****

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 2022-09-15
Company: EQUIFAX, INC.
State: AL
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights under numerous times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
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: Their investigation did not fix an error on your report

Complaint:
XXXX and equifax both have received multiple disputes from me since XX/XX/2018 regarding two derogatory accounts, one is XXXX   and the other XXXX XXXX.these accounts were disputed because of identity theft and the reason i want it removed obviously.XXXX XXXX XXXX XXXX was the first to remove their account from reporting.i attached a document that shows the resolution of that complaint i filed through customer financial protection bureau. XXXX   hasnt been through in my opinion regarding XXXX, being i have been clear on what it is im disputing but instead of fixing incorrect information, the outcome is either more incorrect than before or unchanged at all. I feel that something isn't quite right so i asked for the full reports of how the investigations were conducted but i have not received those reports from neither fingerhut or XXXX and equifx. Unfortunately i have family members who has lost their homes from from the campfire disaster in northern California that barely missed my home and i can't even apply for credit with collection accounts on my report that shouldnt be on it.i want to be able to help my family get through this and make repairs to a second house i own so it can be used. I feel my disputes are not properly handled and little effort to fix them.i pray XXXX equifax and XXXX recognizes the urgency in fixing these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I have been trying to ask for transition assistance to avoid foreclosure from a divorce. I am on title and my ex spouse is the borrower. From my divorce decree. With my realtor I have sent over all required documents to postpone the sale date of XX/XX/2024. I am also going through a service transfer to XXXX. Because of the current sale date and the fact I am going through a service transfer I do not know the exact close of escrow. If I have to use an attorney to stop the sale date I will but I am trying very hard to avoid that. Based on mortgage banking guidelines SPS has all required documents need. Please check the XXXX. My property is PENDING. Again I am in an active escrow. I have been trying for a month to request the sale date be pushed back after being denied a loan modification. I am in a current service transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Equitable Acceptance Corp
State: NV
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:
XXXX has been non-compliant with removing the unverified account EQUITABLEACC which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that EQUITABLEACC was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unverified fraudulent accounts still remain on my report. Please send 609 FCRA requirements to verify these with original contracts or remove due to identify theft. FTC report attached. 

These are violations also of section 1681 of the US code. 


* Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/2019 * Account : XXXX XXXX XXXX  * Source of dispute information : account * account : XXXX * Amount {$22000.00} * Dates associated with item being disputed : XX/XX/2019 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 2024-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2023, I received a letter from my mortgage servicer ( Select Portfolio Servicing, Inc. ), ( after my previous complaint to the CFPB ) which stated they had sent additional funds and exhausted my restricted escrow account funds. In response, I began contacting SPS to report the information sent was inaccurate and there should have been another {$7800.00} remaining in my restricted escrow. I have yet to receive confirmation of the restricted escrow balance. I have called on 6 different occasions and keep getting told there is no resolution and that a supervisor will call back within a few days. To date, I have not received any calls or other means of communication to settle this issue. When I asked to speak to a supervisor during todays call, I was advised they were too busy returning calls to take my call. As of today, SPS  has deposited {$64000.00} in insurance proceed checks from my claim and have disbursed checks totaling XXXX. The restricted escrow balance should be {$14000.00}. However, I was advised by their representative today that my current balance is {$6200.00}. 

I am at a loss to understand how this matter has not been resolved in the six months since I have brought it to their attention. Considering SPS is apparently using some arbitrary system of inspections ( which has never been explained ) to determine the percentage of completion for the repairs, an accurate escrow balance is vital to ensure that their clients receive funds that are proportional to the repairs completed. As of now, after spending over {$100000.00} in repairs out of pocket, SPS is indicating we have only reached the 25 % repair threshold ( which is ridiculous ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation