BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
CITI Thank you prefer card company made a mistake in my mailing address by forgetting put my unit number in my billing address. So I did not receive my statements. When I found out the pending balance when I checked my credit report and contacted the collection companr and they forwarded those statements. When I contacted CITI, they refused to take off the interest charge and fees. This late payment mistake was caused by CITI and they should not charge me any interest and fees. Now my credit is effected by this. So I have to stuck with the high interest rate for my other credit cards balance with this company. I file this complain to request CITI waives any late interest and fees on the CITI Thank you prefer Card and fix this late payment record in my credit and resume my good credit.

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 2023-10-27
Company: EQUIFAX, INC.
State: GA
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 have been a victim of the equifax data breach.. I have contact Exquifax and the reporting agencies several times about the accounts reporting on my credit report. now they have failed to remove the account as XXXX and XXXX has already remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I incurred fraudulent charges XX/XX/XXXX and contacted XXXX XXXX right away. XXXX XXXX has since moved their Costco Members to Citi. I had to inquire with Citi on the same charges which I did XX/XX/XXXX as they had not been removed. I was then notified in XX/XX/XXXX that the dispute was not resolved in my favor. Not sure how this is possible as it clearly states I have no liability for fraudulent or unauthorized charges, and that is exactly what these charges were. I have since been charged interest twice on these charges and had to reopen my case which according to them is a new case that just started a couple days ago, when in reality it has been months. Mean while they continue to report these charges, along with interest to the credit bureaus and I get to take a hit to my credit every month they go unresolved. I have never accrued interest in the 15 years I have had a credit card and I have never carried a balance in 15 years so this is quite upsetting. I continue to not get answers and every time I call to inquire its like I had never made a call to them before. They continue to diminish my credit as a consumer and I have n't even used their card ( as they say its in the mail but it has been two months ).

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 2018-08-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018, I opened a checking account with Chase less than a month ago online with the promise of a {$200.00} bonus if I ( 1 ) open the account by depositing the minimum {$25.00} into the account, and ( 2 )  set up direct deposit of {$500.00} or more into the account. On their website, it states underneath the " Open Now '' option verbatim " Your coupon code will be automatically applied. '' You can find this information in the link below : https : //accounts.chase.com/XXXX I have also provided attached screenshots below. 

I continued to read the terms and agreements which stated that after ( 1 ) approval of the account, ( 2 ) depositing {$25.00} or more into the account, and ( 3 ) having the direct deposit made electronically within 60 days of opening the account, the bonus would be deposited within 10 business days. 

After 2 paychecks were deposited into the account, I noticed the bonus had still not been applied. I called Chase twice on XX/XX/2018 to resolve the matter, but was told that I did not qualify for the bonus because a coupon code was not applied to the account and 21 days had passed since opening the account which made my request ineligible. There is NO written indication anywhere under their terms and conditions that state there is a 21 day limit to apply a coupon to redeem this bonus. The account is still less than a month old, and at the time of contact, it had been EXACTLY 21 of their business days from opening the account online ( as they are closed Sundays ). In addition, as stated previously, after opening the account online, it was stated ( on their website ) that the coupon code was automatically applied. The " Welcome '' email I received from XXXX on XX/XX/XXXX after opening the account revealed no promotional code, nor expiration date for a promotion. 

Once they still insisted there was nothing they could do for me, I went to a branch in XXXX XXXX, NY and spoke personally to the branch manager who tried to override it with a promotional code I signed up for on XX/XX/XXXX with my personal email that was used to initially open the account. When it didn't work, he told me to call their main number again and re-explain my case. I called this morning, XX/XX/XXXX and retried only to be told that if I walk into a branch, they could give me a coupon code to override it. This, however, did not happen yesterday when I walked into the branch. 

I am more than happy to provide any further emails, and names of individuals I have spoken to if need be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
Got van from XXXX XXXX XXXX XXXX, CO on XX/XX/XXXX. I only had the van in good working condition for 4 months. Vehicle had warranty for XXXX miles. When I got the van, I drove home and the next day I notice the miles was wrong from the warranty contract. I asked XXXX XXXX XXXX to removed the warranty but I was told I cant but they did give me some money back. But thinking about it, it doesnt equal the amount of money it collected with interest. The reading on the contract had XXXX Miles on it but the actual miles on the van was over XXXX. 
The van transmission started acting up in XXXX, I called XXXX XXXX XXXX and told them about it. They said call XXXX XXXX XXXX, I called them and they told me to drop it off at XXXX XXXX service. I got a call from XXXX XXXX service desk, and was told XXXX XXXX declined the service and said I was out of warranty. I was told I would pay over {$5000.00} to get it fix. I didnt have the money and Covid was going on. I called Credit Acceptance and told about it. They said nothing could be done. In XXXX, I called Credit acceptance and did a voluntary surrender of the van. I paid the fee for the van and told XXXX XXXX that it was going to be repossessed and the company going to pick it up. Couple week went by, I get a call from XXXX XXXX saying the van still there and its collecting storage fee. We had no choice but to bring it back to my home. I called XXXX XXXX again, telling them the location of the van and its still parked here. I feel like they dont want to pick it up, they want to keep collecting the APR and late fee. I stop paying in XX/XX/XXXXXXXX  and to this day it shows as open and Im being charged {$15.00} late fee each month plus interest. It also has been hard for my credit, I have 41 late 120 days.

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.

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 2022-11-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have not applied for any new credit or authorized anyone else to run my credit in the last 3-4 years. I recently downloaded a credit tracking app and was surprised to see the number of unauthorized inquiries on my report. This has greatly impacted my confidence and ability to apply for anything because I know I will either be denied or receive a high interest rate.

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 2023-11-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They dare saying I owe XXXX out of nowhere from a place I dont live the credit is XXXX XXXX and out XXXX XXXX this debt is not mine someone used my info I live at if I sent

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 2018-08-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife and I " purchased '' points on a timeshare XX/XX/XXXX using Visa card XXXX XXXX XXXX XXXX debited XX/XX/XXXX for {$5300.00} to XXXX  XXXX XXXX XXXX XXXX. We were mislead ( lied to ) in order to make the purchase and disputed the sale from time of purchase. XXXX XXXX, called us XX/XX/XXXX on a recorded line and offered to cancel the contract for this reason. That the contract had never gone through due to identification problems. This was documented and sent to customer service specialist Ms. XXXX XXXX XXXX of Visa. XXXX XXXX ( XXXX XXXX XXXX ) sent papers to sign negating the sale. They said they will keep the money paid, {$5300.00} as part of the settlement for letting us out of our contract. We state that there was never a contract with their own admission as evidence, stated twice on two recorded lines, one ours, one theirs. If there was no valid contract, and there wasn't, they have no right to keep the money and it should be returned. We have an abundance of documentation back and forth showing, without written dispute, that the contract was never in effect. We would be happy to send a file in support of these statements. I am XXXX and my wife is XXXX and financial elder abuse may be a factor here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Loan Care LLC ( who is notoriously difficult to deal with as is ) has been down for almost 2 weeks now and I have been unable to make my payment, which is now late. The website and phones are both down and have been down for ( as far as I know ) 15 days but many reports online say they have been down for almost a month now.

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.

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 2023-11-26
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2023. A loan was taken out in my name and I received inadequate information that lead me in a binding contract of conflict of interest with the service address and mailing address. Also a breach of security concerns with ACA credit lenders. On the above date ACA. Had XXXX pull my bank statements from there computer and would not accept legitimate documents from my financial branch, which put my identity and finances at risk. Which lead my credit to decline because of inadequate information...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: AES/PHEAA
State: GA
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:
Under the PSLF I should be able to receive loan forgiveness after 120 payments while working full-time in a public service field. I pulled all of my records in XX/XX/XXXX and believed at that time I had made 125 payments on my XXXX student loans. ( Actually, I made far more than that given that I began working in Public Service in XXXX, but the years from XXXX don't work. ) I never received any good explanation of the discrepancy between my account and the PHEAA count on these loans. Then, I lost my job as an XXXX for a XXXX XXXX XXXX due to Covid budget cuts in XX/XX/XXXX. Since that time I have only found 20hr/wk work in XXXX, so none of the " forgiven '' loan payments from this time period count. I would like a direct response to each month of payments ( I have bank statements proving every one ), and why they didn't all get counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage with Homebridge Financial. I had significant home damage from XXXX, XX/XX/2016. As a result I filed a claim with my insurance company, who intern issued a claim check in the name of myself, my wife and our mortgage company ( Homebridge Financial. 

They made me hire a contractor ( due to dollar amount of the claim ) and would not turn over the funds to me so I could get repairs underway. I am only getting a fraction of the money at a time ( only after waiting for them to get THEIR inspector out to look at the repairs ). This is taking an extra week and then I have to wait 2 more weeks to get a menial check that does not even cover the cost of the particular repairs done. I am winding up paying all the expenses out of pocket and then going thru the hassle of them writing a check to me, my wife and our contractor ( again a three party check ). In the mean time the contractors doing the actual work are calling daily wanting their money and threatening court action for non-payment. 
These contractors do n't like waiting three weeks to get paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX refuses to accept documents by only choosing to accept document through the mail. While I've already provided compelling information on this matter their decision is impacting my way of living

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 2023-04-10
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My son, XXXX XXXX, is behind on his truck payment with Ally Financial. Since they can not reach him, Ally has been calling me daily even though they was told twice XXXX after several months of constant calls and now twice in XXXX to not call me. I have explained that this is not XXXX number and that I do not wish to be called at this number, asking to please make note of this and remove my number from their system. Even after such request, I have still received calls and want them to stop.

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 2022-11-04
Company: PENTAGON FEDERAL CREDIT UNION
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, XXXX XXXX XXXX, have been a victim of fraud relating to Penfed credit union. They allowed money to be stolen from me and then did nothing except back up the perpetrators. 
They lied to you, a federal agency created by the powers of Congress, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here. 
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is not mine.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
a. invalidated debt, debt has been invalidated b. contract has been cancelled c. the length the collection has been on the credit report has been exceeded TransUnion and XXXX have added a collections account from XXXX XXXX XXXX to my consumer reports. This account does not belong to me and is causing adverse action while also defaming my character. Once again the consumer reporting agencies did not do their due diligence in exercising their grave responsibility in verifying anything before placing it on my reports. They were partial and unfair. They assumed a role which no one gave them permission. 
see attachment

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