BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: CITIBANK, N.A.
State: FL
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:
I was offered a promo to switch credit card ending in XXXX to XXXX XXXXXXXX XXXX and get XXXX miles After not getting the miles promo I contacted customer service and they said rep made a mistake and shouldnt have offered that promo Thats misleading thats breaking advertising laws and I want what I was promissed

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 2019-11-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
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 GIVE BELOW THE FOLLOWING INFORMATION FOR MY ONLINE TRANSACTION EFFECTED BY ME VIA MY HSBC CARD ON XXXX XX/XX/2019. 

MERCHANT NAME - XXXX ... GBP  XXXX ( XX/XX/2019 ) - XXXX .. GBP  XXXX ( XX/XX/2019 ) ORDER NO. XXXX - XXXX XXXX MAILING ADDRESS - XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX NAME AND ADDRESS OF MERCHANT - XXXX  XXXX  XXXX  ] XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TELEPHONE NO : : XXXX XXXX PLEASE NOTE THE THE ABOVE TRANSACTION WAS EFFECTED BY AN ONLINE TRANSACTION VIA MY HSBC CARD AND THE ABOVE AMOUNT WERE CREDITED TO MY ACCOUNT. THE TRANSACTION WAS FOR SOME MEDICATION. UPTO TO NOW I HAVE NOT RECEIVED THE SAID ITEM AND WHEN COMMUNICATED WITH THEM I WAS TOLD THAT THEY DONT SHIP THESE ITEMS TO XXXX XXXX. SO I THEN REQUESTED FOR MY REFUND FOR WHICH THEY CONFIRMED MY E-MAIL ON XXXX XXXX THAT GBP   XXXX WILL BE CREDITED TO MY ACCOUNT BUT IT WAS ONLY THE POSTAGE COST OF GBP  XXXX AND GBP  XXXX WAS CREDITED TO MY ACCOUNT. PROOF OF THEIR CORRESPONDENCE CONFIRMING THE REFUND VIA EMAIL IS AVAILABLE WITH ME SHOULD YOU REQUIRE SAME. 

HOWEVER, I HAVE MADE NUMEROUS TELEPHONE CALLS AND SENT NUMEROUS EMAILS REQUESTING THE REFUND OF MY MONIES BUT UPTO NOW I HAVE NOT RECEIVED THE GOODS NOR HAVE I RECEIVED THE REFUND. 

WOULD APPRECIATE IF YOU COULD KINDLY LOOK INTO THIS MATTER AND GIVE ME A FAVOURABLE RESPONSE WITH REGARD TO MY REFUND. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a credit card with Citibank for 6 years. My account is in good standing. The problem is with my online account. I have difficulty logging in, and then when I do login, my online information will not properly display - I can not see my transactions. This started on XX/XX/2023. I have discussed this with Customer Service and the Citi Technical Support ; their ticket number is XXXXXXXX XXXX XXXX. We have tried every suggestion they made, but the problem persists. I have sent almost daily reports to them about the problem, and provided screen shots showing the issue, but Tech Support has never responded. I never get any reports from Citi Tech Support on the status of the ticket. I was told that since very few people have reported a similar problem, they do not prioritize this problem for repair. I have no estime on timing for repair. I want my access fixed so that the online service performs as promised by Citi when I got the card. By not fixing the problem, they are withholding services that were promised to me and are associated with the credit card product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for a personal loan with one main financial online and was assigned to an office located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, the branch was not straight forward with what was actually needed and there was a lot of back and forth that took over a week to get nowhere. Call backs were seldom and documents provided as much as I could but it was still not enough. The branch still ran my credit but did not appropriately move forward with a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Swe Homes LP
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with SWE Homes in Texas. I purchase a mobile in XXXX and placed on some land in XXXX, NC, I sold the land and mobile home to someone and they defaulted on the land contact and purchase owner financing of the mobile with XXXX XXXX XXXX. After not being able to locate the purchaser, I tried to contact XXXX XXXX XXXX, I then later found out that XXXX land had file for bankruptcy in XXXX. In XXXX Through research I found out SWE Homes now owns the land. For months I emailed SWE I all written correspondence, inquiring about the loan in order get the home and land back on track. We no success, I find out that SWE Homes / XXXX XXXX now wants to foreclosure on the home. They did not contact me with any alternative plans, no loan modifications, not work out program. They would not respond to my emails or phones call. I never once, hide and disputed the obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.

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 2021-07-23
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions 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:
Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, XXXX XXXX and to Experian. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

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 2019-09-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my load to Rushmore Loan Management Services ( RushmoreLM ). 

RushmoreLM is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance. 

They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan. 

Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue. 

Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at XXXX XXXX. 

All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company. 

I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan? 

What recourse does a consumer have in this type of indecent?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-16
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: Investigation took more than 30 days

Complaint:
I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX  in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX  " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2018-08-19
Company: Byrider Franchising, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Car was purchased from XXXX XXXX it was originally XXXX and was then sold to XXXX XXXX XXXX. The account is over 7 years old but company is using the date it was sold and not the original date. XXXX deleted the account however XXXX and XXXX after repeated attempts including giving the documented proof they refuse to remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: EQUIFAX, INC.
State: NM
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 XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: CITIBANK, N.A.
State: OH
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:
Home Depot, using Citi Cards as the credit servicer, claims my husband and I have a credit card under our names, XXXX and XXXX XXXX, opened in XXXX. 

The account ends in XXXX. We did not open this card or make any purchases on it. 

In XXXX, I opened a single Home Depot account and purchased garden supplies for approximately {$120.00}. The clerk was to put this purchase on my Home Depot card. I am told the account ending in XXXX, which we did not know of, is 120 days past due. 

We have disputed this with the company and requested an investigation of the account and purchase. First, we were told that legally, we could not dispute an account, which is incorrect. We also asked for the original credit documents of the account from the time of opening and purchase but were refused these. Currently, the only document we have received on the account in question is a letter requesting we call to settle the account. 

We believe Home Depot/Citi Cards has made an error in this card being opened and the purchase and would like this removed from our credit report asap! 

Thank you, XXXX and 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 2021-12-19
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent in a dispute to XXXX XXXX XXXX regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :

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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Chase Bank offered online debt disputing and is now violating the terms of service by discriminating against individuals who actually successfully use the service by blocking the use of the the ability to make an online dispute. 

Chase Bank has also made it very difficult to dispute a debt online making it next to impossible to refute a charge, by trying to trick the consumer into make a statement that would deny the claim. 

Chase Bank has partnered with XXXX, with XXXX XXXX and can not make a determination in online disputes regarding XXXX XXXX as there is a conflict of interest between XXXX and Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX XXXX : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my XXXX via XXXX and was paid via PayPal on XX/XX/XXXX. PayPal requested information on the sale including such items as tracking number- which I provided. Even though I provided the requested information, PayPal closed and locked my account without providing specifics why. I contacted PayPal and they could not provide any information, nor could provide me the option to transfer my funds. I am requesting that PayPal disburse the funds in my account totaling {$370.00} to the bank account linked to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I bought a XXXX from XXXX XXXX XXXX XXXX XXXX XXXX had a financing plan with XXXX, which issued the credit card. The financing was offered by XXXX. 2 years no payments, then payments. The 2 years ended in XXXX. I was switched to automatic payment in accordance with the plan. Because the loan was not paid in full, XXXX is now charging me about 30 % interest for over two years. XXXX says that if I paid off the loan two weeks ago, in XXXX, there would have been no interest. I just called XXXX and said I would pay off the loan in full now but did not want to pay interest because that was not was said to me. XXXX refused. The interest costs nearly as much as the XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY 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 monetary relief