BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: CITIBANK, N.A.
State: TX
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 a Citi double cash back card ending in XXXX for years. There is a Citi card benefits which says that : Did You get the lowest price on Your Citi XXXX purchase? Let Citi Price Rewind search for You.

Citi Price Rewind searches for a lower price at hundreds of online merchants on the registered items You pay for with Your Citi Card. If the same item is found at a lower price within 60 days of Your initial purchase date, You may receive the difference between the price You paid and the lower price found by Citi Price Rewind. If You find a lower price that may qualify You to receive the difference
in price, You can go to citipricerewind.com to learn more.

To be eligible for the Citi Price Rewind benefit, You must pay for the item at least in part with Your Citi Card. You will only receive the lesser of the actual amount paid for with Your Citi Card or the maximum benefit per item. 

I bought a product " XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX, and XXXX XXXX  '' from XXXX XXXX XXXX XXXX at {$100.00}. On or about XXXX XX/XX/2021, the same product is available at {$84.00}. 

So obviously I will try to make use of Citiprice rewind ( https : //www.citipricerewind.com/ ). But that website is down. Called customer service toll free # ( during XXXX XXXX  to XXXX XXXX  Central time on XXXX XX/XX/2021 ) ... .getting connected to Some XXXX based support where the calls are just getting transferred from one person to another and nobody knows about this and how to help me. Last person was XXXX. They transferred me to XXXX based customer service but then the call is getting disconnected. 
Citi should not blindly outsource jobs to XXXX without training these folks. Citi should take care of www.citipricerewind.com and most importantly I should get my {$20.00} back.

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 2021-06-06
Company: EQUIFAX, INC.
State: NY
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:
As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, these accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I sent these credit reporting agencies a letter on XX/XX/2021 letting them know that these Fraudulent accounts were on my credit report. they were supposed to remove them after 4 days of receiving my statement, but still to this day XX/XX/2021 they have not removed it. this is against the FCRA laws and I feel violated. I pray the CFPB handles this case properly. Erroneous RESULT OF The Equifax /XXXX  Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.SO DON'T TRY TO PULL THAT STALL TACTIC. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffered immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Missed 1 payment in XX/XX/2018, daily calls multiple times still continued even after payments are being made. Most calls ignored/sent to VM during business hours, but some were answered and each time I said to stop calling my number. The calls persisted until I called them up and complained, when I was laughed at and threatened with repossession for only missing the 1 payment.

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 2020-11-24
Company: Williams & Fudge, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XX/XX/XXXXXXXX XXXX, credit card limit was {$300.00}. Furthermore they told me the balance was {$600.00}, which is the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Nelnet, Inc.
State: MI
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:
Nelnet is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan care didnt approve my forbearance on time, making me be late on my mortgage, during Corona virus beginning, they report my lates payments and didnt want to deleted. It heart my credit a lot and cost my credit a year to get back on track, I did not have any other late payment accounts and they did not have any consideration.

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 2021-06-06
Company: EQUIFAX, 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:
Upon reviewing my credit report, I noticed that Equifax was reporting a credit inquiry on XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with Equifax. I did so and Equifax completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by XXXX XXXX XXXX  on the date mentioned. However, neither XXXX XXXX XXXX  nor Equifax could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the XXXX XXXX XXXX  system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was offered a job and the company sent me a check to deposit in my bank account. The next day, I was coax to send part of the money through Cash App to a vendor that would supposedly buy the software I would need for the accounting job I was offered. After sending the money as directed, my cousin that I was in contact with told me it might be a scam! I tried reaching Cash App to alert them but there was no customer care phone number to contact. I notified my bank and was advised to contact Cash App which I did through email because there is no customer care phone number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2021-06-06
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2020 XXXX  {$88.00} XX/XX/2020 XXXX XXXX XXXX  {$10.00} XX/XX/2020 XXXX  {$160.00} XX/XX/2020 XXXX XXXX XXXX {$140.00} XX/XX/2020 XXXX XXXX XXXX {$170.00} XX/XX/2020 XXXX XXXX XXXX {$210.00} XX/XX/2020 XXXX  {$95.00} I contacted Chase bank to dispute the charges because those transactions were unauthorized, so I waited 2 months till the bank sent me the letter, informing me that the transactions were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
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:
1. A am a victim of Identity Theft and have filed a report with the FTC. 
2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my XXXX  Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called Experian today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - Experian did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT. 
6. Experian will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission. 
8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. XXXX and XXXX indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. Experian said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE 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 2021-02-11
Company: Experian Information Solutions Inc.
State: NJ
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:
WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND ( XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2021-06-06
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have made purchases and the money is put on hold for my account balance which withhold it from my available balance. When money is deposit into my account the amount is removed once again. Also, I have made an purchase and the money is removed from my account then once I return item the amount is not put into my account for my available balances. These items are not deposited into my account because the dates in my account are not correct meaning it do not show the actual correct amount. I have noticed this several times, however, once I reported it to my bank they say the dates are not showing duplicate withdrawals which it wouldnt because the dates are wrong. I have proof how I have purchased something then return the item and the amount was not available but shows how it was put into my account on the date I purchased it not the date it was available. Therefore, it wasnt any money available in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account opened with XXXX in XXXX the payments got to high so i canceled with them leaving me with a balance of {$380.00}. They were billing me one month in advanced and a partial month. I payed the partial i refused to pay for services that i did not use i returned the equipment and the lady told me i was all set with a XXXX   balance. Mind you i have two accounts with them in witch one account stood open actually till this day witch i am in good standard with. For the last two years never heard nothing till XX/XX/XXXX got a letter from Southwest Credit asking for money the balance was {$360.00} they offered to settle at {$230.00} That was sold to a 3rd party collection agency. In the letter they stated i could either resolve it or dispute it, so i started disputing it with XXXX. I opened an investigation and it was requested to be deleted from any consumer credit reporting agency.XXXX  had ceased all collection activity and it was deleted off my credit report. All of a sudden my credit drops down 10 points and to my surprise i am in collection once again. This is uncalled for i had fought for this to be removed I was not found at fault this is my credit and it means something to me i have been working on it for a long time please look into this for me and help me in any way you can i would greatly appreciate it so much. Thank you in advance for your time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a cosigner for Sallie Mae loans for XXXX sons, XXXX in college and XXXX graduated. I am paying the loans online monthly manually. I routinely pay them at the same time together. I pay them from the same personal checking account. The past few months, one of the payments is always rejected, the one that I make last. I have called customer service on multiple occasions and they refuse to help. They can not explain and they refuse to allow me to speak to anyone else. My bank is not rejecting the payments and in fact is not receiving the second payment withdraw request. I normally have a balance of several thousand dollars so there is never a low balance issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions 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:
I have deep concerns over fraudulent practices, no accountability, and poor costumer service at XXXX XXXX. Based on my personal experiences, and after several attempts by phone, I am taking the opportunity to notify in a formal manner my frustrations in reference to the unfair experiences that I had been dealing with for the past five ( 5 ) 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 explanation
Consumer complaint received 2020-11-18
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Point Collection agency has yet to respond to my validation request. I have sent numerous of debt validation letters to them. When I called they explained that the letter sent said cease collection activity. The letter stated for them to cease collection activity with the consumer reporting agencies. The representative stated that they did receive the letters but would have to ask to send validation documents which I thought was strange. This company continues to report inaccurate data on my credit reports and ignoring my validation request!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon closure of my company in 2016 I was offered a position in XXXX Fl in which at the time I contact XXXX to cancel service because they were not available in XXXX. Ive called convergent outsourcing to find out that XXXX paces on my credit report for services cancelled with them Ive tried to contact XXXX with no luck to get this fixed and just keep getting hung up on.. theres no way they can charge me for services and place it in my credit if they dont service an area.

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 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hello, On ( XX/XX/2017 / {$640.00} ), CAPITAL ONE BANK added a derogatory mark on my credit report per XXXX The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, CAPITAL ONE BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

I am respectful, experiencing Hardship / Relief via The CARES Act is LAW. Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with. 
XXXX and XXXX have removed this dispute. XXXX ( Refuse ) to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: GA
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 submitted several letters, made phone calls, faxed info, and wrote the ceo email address regarding my issue and it has yet to be resolved. There is an account with XXXX XXXXXXXX XXXX showing twice on my credit report, i have documentation from the organization. The document states the account should be brought current. All experian keeps stating is that they verified the account belongs to me. I am well aware that it belongs to me. I am not disputing that account, i am disputing the status. Would like this corrected right away

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