BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, This is a response to Citizens banks letter regarding XXXX bonus for opening a business XXXX  account. 

The letter from XXXX XXXX of Citizens bank mentioned Bank records confirm you opened XXXX  account number ending in XXXX on XX/XX/XXXX. I have confirmed with our XXXX department a promotional offer code at the time of account opening was not applied to the account. Additionally, we were unable to find any valid offers for the time of account opening. 

The truth is in Citizens bank promotion page, it doesnt show any XXXX code. If you mean Citizens bank XXXXXXXX XXXX  and customers cant see, then I dont know. But I made an appointment to open a Citizens bank business XXXX XXXXXXXX  account on XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened the account for me. When I opened the account, I showed XXXX the promotion and XXXX was Ok with the promotion and made a note with that. I emailed XXXX about the bonus, and XXXX responded me on XX/XX/XXXX and XXXX, XXXX, and said that XXXX has sent inquiry about the XXXX for me. Please see the attached files. 

All this evidence indicate that XXXX of Citizens bank was aware this XXXX  and he tried to help me find out why I didnt receive it. It is not my fault that a promotional offer code at the time of account opening was not applied to the account if you have XXXX. If there is a XXXX code, but XXXX didnt apply, he would say so. 

Further, XXXX mentioned that we were unable to find any valid offers for the time of account opening. This is not true. Please see attached file, it shows that the business XXXX  promotion in Citizens bank website and promotion period is XXXX XXXX XXXX. My account was opened on XX/XX/XXXX. 

I have met all Citizens bank promotion conditions. XXXX mentioned XXXX things, 1 ) no promotion code. 2 ) no bank promotion at that time, were incorrect. Please review these facts and deposit XXXX XXXX  into my account. 


Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Bridgecrest auto loan on my account XXXX needs to be removed.

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 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX. The lack of oxygen caused slight XXXX XXXX  and XXXX XXXX. Thus, I am unable to use the phone. I reached out to my credit card company, Capital One requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

After falling in the lake, I was in a XXXX XXXX XXXX  for XXXX weeks. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Carvana Group, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have a valid contract for a purchase of a XXXX XXXX XXXX XXXX. I was approved for the purchase of this vehicle and they never delivered it to my home. 

The problem is they have violated 158 USC 15 1605, 1638 ( 2 ) ( A ), and 15 USC 1662. 

They claim to follow all State and Federal laws but did not explain to me in detail my rights under the Truth In Lending clauses. Not for my XXXX XXXX XXXX nor the purchase of the XXXX XXXX now XXXX XXXX. 

These statues speaks on false advertising, the all fee 's are supposed to be included in the finance charge, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Issue : Navient blocked my access to my account upon learning I am attempting to apply in the USGov Income-Driven Repayment Plan. 

The company is currently being sued for illicit business practices. This reinforces my belief the problem falls within the frame of that sphere. 

Below is a simple timeline that illustrates NAVIENT withdrew access to my account directly after the company learned ( and therefore because of ) my desire to enrol in the government-provided student loan repayment plan. 

**** EMAIL : XX/XX/XXXX : Service Loan Provider, NAVIENT send an email my Quarterly Interest Statement is available. I follow instructions and log in to my account via their website. 
**** EMAIL : XX/XX/XXXX : Email from NAVIENT they received my application from Student Loans.Gov for Income-Driven Repayment. 
*** XX/XX/XXXX : I discover my login credentials to NAVIENT do not work. Finally, I log in and am direct to a page with a message that my account has been disabled. 
*** EMAIL : XX/XX/XXXX : Email to NAVIENT are returned with following info : Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Contacted XXXXXXXX XXXX to request to have my payment adjusted in good faith since I have NEVER made any late payments and was advised that I am not able to have any adjustments on my account. I then asked the representative when did they send out my period statement and was it sent out 21 days before the due date and was advised that the statement went out in the mail and not sure exactly when the statement would have out. Which according to what Congress has stated is that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''. I also questioned on why a consumer who is never late on payments can not have an adjustment on their account and the representative stated that they do not have away to adjust the payment history once it has been reported to the credit reporting agency. I am sure that if you can report something you can also send a notice to have to have the information updated. I also sent in a complaint and haven't do not see where they have notified the credit reporting agency of the account being in dispute due to a billing error. This reporting has caused my credit worthiness and general reputation to be in question and is not fair and unequitable. Please update my payment to reflect a good payment standing the account has been paid as agreed and should not reflect anything negativity on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
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:
My information was breached in Equifax data breach and I was contacted by a debt collector that I have never done business with so decided to research it some more. I had all my reports pulled and realized there is multiple accounts that don't belong to me. I filed a police report, an identity theft report, contacted the companies, and filed disputed with all 3 major bureaus with supporting documents sent to them. They have not fixed the problem and I should not be held liable for accounts that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: KS
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 have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX of XXXX a credit card was opened under my name without my consent or knowledge. On XX/XX/XXXX I filed a police report and a FTC report stating that someone opened an account with the credit card company named XXXX under my name fraudulently. I first realized this amount was being charged because this person has charged that card {$13000.00} and this resulted in dropping my credit score XXXX points. I emailed the company explaining what happened because that was the only way I could reach out to them. They told me to contact the 3 credit bureaus and file a dispute so I did. They said they would get back to me in the first or second week of XX/XX/2023. Equifax said they confirmed the charges with that creditor and didnt accept my dispute. I am planning to mail the paperwork I was sent to these bureaus ( equifax and XXXX ). Whoever opened this account I am assuming got a hold of my XXXX account because I am not able to access my account the email under the account is theirs and when I try to contact XXXX I am never directed to an agent that can actually help me. They say they are going to reach out to me and never do. I am a victim of identity theft and it seems like no one from these companies are attempting to help me. I still have not heard back from the XXXX company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Upon calling today to verify a fee reversal that could not take place until a merchant refunded funds ; I spoke with an agent who alleged i could not get any fee reversals for courtesy and that a supervisor would be calling to check the call i made when i spoke with a representative and then calling me back in an hour. The supervisor never called back and finally I went into a branch to address the issue and at the time i was able to call in and have the customer service people fix the issue. I got a call appx XXXX XXXX. from some XXXX rude lady who claimed to me a supervisor from XXXX who pretty much accused me of lying and begin to rant at me. When I asked her what her name was she refused to give me her name and told me since I didnt want her to help me she just flat out was going to give her name to me as she claimed to be a supervisor, I informed her that I would be closing the account as so I would not have to deal with this type of issue again. She made up some rule that i could not have any fee credits for the rest of the year. she was the XXXX  most incompetent horrible person I've ever had to deal with from fifth third bank. I will be closing this account as soon as the last two transactions on this account post hopefully by tomorrow. Ridiculous XXXX customer service from a representative at number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: CITIBANK, N.A.
State: ID
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:
I sent in a payment of {$6500.00} by USPS with tracking and signature return. I also put my credit card account number on the payment stub attached to the check. Citi received the payment XX/XX/19. On XX/XX/19 Citi deposited the check. I am attaching a copy of the check having cleared the bank account ( the other check in the file was applied correctly to a different account, please disregard ). To this day, XX/XX/19, the payment has not been applied to my account. 

I started calling Citi every couple of days after checking my account online starting on XX/XX/19 to ask why the payment has not been applied to my account. Each time I call I am told that they need to open a " payment investigation '' and they ask for the exact amount, check number and tell me that a conditional credit will be applied so that my account doesn't go past due or, accrue more interest on the amount or late fees. I have gone through more than 3 " supervisors '' in one call and am still told the same thing each time. To this day none of this has been done, my account is now more than 30 days past due and I am concerned it will be negatively reported to the credit bureaus. I couldn't and wouldn't make a payment to keep my account from going past 30 days because after the {$6500.00} payment, I owe a lot less than what Citi says my payment is.

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 2019-02-13
Company: AES/PHEAA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, My account has been locked for over a year. I have written several emails, postal lettrs requesting access to my account- but all in vain. 
I am in a different country ( XXXX ) ; and I called in on the helpline- the automated server acknowledged that they knew I was having trouble accessing my account, byt kept me on hold for over 15 mins, but no rep came on the line. 
This lock has prevented me from accessing my loans, dented my credit score negatively and caused me great emotional stress as my loan amount keeps increasing and I keep getting payment reminders. 
I have email proofs that I have been trying to access my account since the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a 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 non-monetary relief
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief