BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
State: FL
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:
The SBA issued a loan for XXXX in the name of my company under my parents address in XXXX XXXX Florida which does not have any connection to the business. I only found out this happened when I got mailed a bill to there address dated XXXXI did not apply for this loan and did not receive any money. I have contacted the SBA to report the fraud and also by mail which was delivered certified mail on XX/XX/2021. But I have not heard anything else back from them as far as resolving this. 

I have filed a police report case # XXXX with the XXXX XXXX XXXX XXXX Florida which is where I live, the detective couldnt do much since the crime seems to be done online so he said he sent it to the fbi. 

I have locked all my credit scores since this occurred.I have reported this on XXXX XXXX and followed there steps which now include contacting you. I have also reported this on XXXX 

The bank that I guess opened a fraudulent account for the loan is XXXX XXXX XXXX they contacted me about a week or two after reporting to SBA the fraud, they only asked if I didnt open the account they had which I didnt said it was likely fraud and that the account was opened online but would not give me any other info. 

The credit agency that did the fraudulent credit check is experian who I notified in writing that this background check and loan where fraudulent and I have not heard from them, the notice was sent certified mail and recieved XX/XX/2021 Thats all the info I have hoping to sort thru this and get on with life.. thank you

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 2021-05-29
Company: Synovus Bank
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:
I have sent two different letters with supporting documentation, and instead of reporting the information the correct way. They went back a whole year and totally reported incorrect information nine tines ( 9x ), in addition to adding a comments of me being late multiple times with 30-90 day marks. This is INCORRECT, this account was closed owing no money back in XX/XX/2018. I have asked them to correct it and they keep putting LIES on my report causing my score to drop by XXXX. If an account was closed in 2018 how is it being reported now with TONS of incorrect information. I was trying to buy a house and this reporting has totally stopped it all, angry is an understatement!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive sent several letters to these collection agencies to show me proof of accurate debt because my HIPPA rights haven been violated. I believe your company has violated several of my consumer rights. Specifically, you fail to validate a debt at my request, which is a FCRA violation and you continue to report a disputed that to the credit bureaus. Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. As you may be aware, Estoppel by silence legally means that you had a duty but to speak but failed to do so therefore, that must mean you agree with me that the debt is false. I will use the XXXX in my defense.

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 2018-12-20
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2014 my wallet got stolen and I reported all of my cards. I was charged on a few including my XXXX  card that I m now complaining about nd taken to collection. My other cards, the amounts not mines, were disputed. However, XXXX took me to collection without taking my dispute in consideration nor my complaints. I told them what happenwd but they did nothing to help me. They just wanted to charge me and disregard my complaint. The amount on XXXX Card charged is about 990-1,200. They continue to send me letters changing the amount. They ruined my credit but continue to charge me as well as debt collection.

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 2018-06-14
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently ran my own credit report yesterday ( XX/XX/18 ) and discovered a debt collections company that has never contacted me has placed a collections account on my XXXX and XXXX reports. First of all, I do not owe this debt. They are accusing me of owing XXXX {$290.00}, but I dont. My XXXX   account is open and paid on time every month. I called the company, Southwest Credit Systems yesterday and they claim to have sent 2 notices to an address I havent lived at in over 6 years. No one lives in that building anymore, it is closed. I imagine they will eventually have their notices returned to them by the post office as undeliverable. I have lived several places since then, and I know XXXX has my current address, as I have my current cable and internet with them right now. Southwest Credit Systems confirms theyve had my correct phone number this whole time, but they havent bothered to use it to attempt to call me. They did not give me an opportunity to dispute this debt before placing it on my credit reports. I opened a dispute about the debt with Southwest Credit Systems directly, as well as with XXXX and XXXX. I called Southwest Credit Systems again today, I spoke with someone named XXXX, to tell them they have to remove the report from my credit reports for 30 days because they never previously notified me of the debt or my right to dispute. They are required to notify me of the account, of my right to dispute, and give me 30 days to do so. They failed to do so, but they refused to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Home Depot to close my credit card. They did. They said they would remove a late fee, but never did. Around the same time, their late fee was also increased from {$29.00} to {$38.00}. I paid the balance on my card, but left the last payment short, per instruction from the agent who helped me close the account. I traveled for the past three months and return to find an additional {$120.00} in late fees and interest. Now I am back, and they call me 3-4 times a day to collect the accumulated late fees. At this point, they know that I will never shop there or use their card ever again, so they are just trying to milk as many late fees as possible. They using harassing methods to try and collect these fees. I refuse to pay Home Depot Credit Services, or to shop at Home Depot. It is strictly XXXX or XXXX  for me!

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 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
First, I checked the only issue even close to mine. I suggest other ways to describe so as to go forward honestly. So, here, I will just tell you. Yesterday. XX/XX/2018, I clicked within my XXXX card online to see my credit score. It was very low, and surprisingly so. It gave reasons as to why a score can be low, however, none of those suggested apply to me I don't believe. I then went online to get information about Transunion, and found many postings stating that Transunion does not delete old late accounts. In the past, we had issue with medical bills, and did have lates.That was several years ago, and don't know why these should be allowed with newer information. I have now established credit, as opposed to cash as before, do not have any 30 day or other lates as I read I have. I called Transunion, and to verify who I was, the CSR asked for my full social security number I asked him why he didn't ask for the last four, found out he was in XXXX, and was taken aback by both answers. First, I resent greatly that our goverment outsources and steals our jobs away from us, the citizens. Second, I was suspicious to finish my reason for calling because of his not asking for the last four, which when questioned, did change it to four. I had an excellent result from a previous issue wherein XXXX charged not only me,  but many people for a credit " watch '' service I didn't order. Within about a week and a half, I was refunded. Thanks for that CFPB.

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 2018-12-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CFPB team please review Citibank issued Credit card ( Citi DoubleCash Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have accumulated thousands of dollars of charges on the account for which Citi has charged up to 4 % to each merchant i did business with. For tens of thousands of dollars in purchase at the end of the year I earn the Cash back that Citibank stole from me. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my cash back rewards back for each one of these cards : Citi Double Cash Card XXXX $ XXXX {$250.00} Cash Back that was never credited back to the account for purchases I had made until XX/XX/XXXX I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested all my cash back on my account to be redeemed and credited back to my bank as a ACH payment or check to be issued. Citicards & Citibank is refusing to give me the cashback for which they had clear terms and conditions to honor their rewards. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying high interest rates for the charges. 

I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, 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 explanation
Consumer complaint received 2020-10-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, i hope that everything is well I was w

orking on Coinbase very well but right now my account is under review and i cant send or receive money there, i have around XXXX  $ there friend, and i'm really scared about. They can't talk with me via Email, i've opened a ticket but they closed it few day after

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EQUIFAX can not report correctly my address. In XX/XX/XXXX, I sold the house that my wife and I had lived in for 24 years and moved to a new house in the same town. When I ordered my free annual credit report in XXXX it still showed the old address so I contacted Equifax to correct the error. After realizing It was impossible to get anything resolved on the phone, I sent a letter, dated XX/XX/XXXX and furnished them with copies of our countys tax assessors details on our new XXXX state address and explained our move. I also furnished them a copy of my XXXX County XXXX Property Appraisers detailsI on our XXXX residence and enclosed a picture ( back and front ) of my drivers license for identification. Im sure this is complicated by my having two residences, one in XXXX  State and one in XXXX  ; however, I explained that in the XX/XX/XXXX, letter. The XXXX address is my address from late XXXX to early XXXX. From XXXX until mid XXXX we live in XXXX  State. Equifax issued a new report dated XX/XX/XXXX, however the new report still shows the same incorrect XXXX State address. Equifax shows the correct XXXX address as a previous address. 

Since I began trying to straighten this out I have received three Equifax reports under three different confirmation numbers all showing the incorrect XXXX  state address. On XXXX XXXX, I received an Email notice Your Equifax dispute had been completed. When I put in the information they requested they reply Great! Weve found your file. They then ask 4 question to verify that Its me. None of the questions applied to me. When I answered all the questions they replied : the answers you have provided does not match our records ; therefore we are unable to process your request online. 

Note, the final question asks about a student loan dating from XXXX. Im XXXX years old! Ive never had a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act. 

After notifying the company in writing and asking for verification of information on my consumer report according to 15 USC 1681 section 609 ( a ) ( 1 ) ( A ) that the consumer agency was reporting the wrong information. The agency said the information was verified and correct and even after asking for an re-investigation according to 15 U.S.C. 1681i 15 U.S.C. Code 1681 ( b ) permissible purpose 15 U.S.C. 1681 section 602 ( a ) right to privacy 15 U.S.C. 1681 section 604 ( a ) ( 2 ) 15 U.S.C. 1681 section 611 ( 5 ) ( A ) 15 U.S.C. 1681 section 611 ( a ) ( 7 ) & 15 U.S.C. 1692g

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 2018-12-20
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Even though we missed a payment in XXXX we have worked our way back to paying by the month. The mortgage company has indicated of foreclosure because the representative is complaining we haven't paid by the XXXX of the month. We told the representative it would be paid by the end of the month. As I mentioned we pay by the month. I am XXXX and unable to work and get paid on certain days and that can't be changed. Now the company Ditech has hired a 3rd party agency who drops off a blank envelope to hang on my door. Ditch had done this to us before and we have warned them not to do this. Number 1 it is illegal and harassing by law for a 3rd party to deliver more than once. Number 2 leaving something hang on the door attracts thieves to a person gone from the premises. I've sent a warning to Ditech to share with this agency that he will be arrested by the Sheriffs Office for harassment. Our payment record will show we often pay more than required to offset the escrow from the loan. This action against a U.S. citizen with XXXX is inappropriate and shows you where we are as a society.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX obtained a loan with Santander Consumer USA for a XXXX XXXX XXXX with XXXX XXXX. Upon signing the loan, we were not informed of the vehicle service contract sold with the vehicle. After several complaints about the additional amount, the vehicle service contract remained on the loan. 

Four months later, on XX/XX/XXXX, the vehicle was involved in an accident, where it was totaled by the insurance company, XXXX. Upon totaling the vehicle, the claim check for {$19000.00} from XXXX was not credited to XXXX XXXX 's account until XX/XX/XXXX. I filed a complaint with Georgia 's Department of Insurance regarding XXXX 's hesitation in paying the claim to Santander Consumer USA. 

The vehicle service contract was also cancelled and the refund was XXXX XXXX XXXX was told on numerous occasions by Santander that the check had not been received, even when she called Santander on XX/XX/XXXX. After numerous complaints and phone calls to XXXX XXXX and Santander Consumer USA, a letter was faxed to Santander by XXXX XXXX on XX/XX/XXXX informing them of the check sent to Santander by XXXX XXXX dated XX/XX/XXXX. Please note the vehicle service contract was cancelled on XX/XX/XXXX. A copy of the check was also sent in the fax to Santander. After speaking with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX informed XXXX XXXX that the check was cashed by Santander on XX/XX/XXXX. XXXX XXXX called Santander again on XX/XX/XXXX and was informed that Santander did receive the check for the cancellation of the vehicle service contract. She indicated that it takes 30 to 45 days for it to post to the account. It was very unprofessional for Santander to receive the check and not inform XXXX or XXXX XXXX. 

I feel it is wrong for Santander to receive the check, deposit it and refuse to post the payment. That is very unethical. XXXX XXXX has endured late fees and interest charges for the month ( s ) that Santander withheld the payments and refused to credit the accounts. It appears that this happened with XXXX and XXXX XXXX 's payments, totaling approximately {$21000.00}. Even until this date, XX/XX/XXXX, the check from XXXX XXXX still has not been posted to XXXX XXXX 's account although the check was cashed more than 10 days ago. This is unfair and unethical. The manner in which Santander does business should be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
XXXX Customer Name : XXXX, XXXX American Express has refused to honor the bonus promotion of XXXX Delta miles under which I opened a new Delta Gold Amex card in XX/XX/XXXX. I easily met the terms of the offer -- spend {$2000.00} within the first 3 mos for XXXX miles. By XX/XX/XXXX, I spent $ 2500+. 
Thus, I should have had XXXX Delta miles credited to my Delta frequent flyer acct. It never happened. 

On or around XXXX XX/XX/XXXX : i chatted online w/ Amex to inquire re : the status. See attached screenshot. Amex claimed to have opened a case to investigate the terms of the promotion and needed to be reviewed and it should take no longer than 6-8wk. I even offered to submit the promotion terms to expedite the process. Amex refused my offer, a red flag. I waited and waited and eventually forgot b/c Amex NEVER got back to me. I never received my XXXX bonus miles. 

On or around XXXX XXXX ( not XXXX ) : I called Amex to close my account now that I was being charged {$95.00} for the annual fee. I inquired about the XXXX bonus miles. Amex confirmed that I met the terms for the bonus miles, i.e., I spent $ 2500+ XXXX   XXXX Case ID Dispute XXXX. He put notes on acct. 
XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. I asked to change the card to one w/o an non-annual fee, but XXXX said that bonus miles might not be credited. I didn't agree since I met the terms of the promotion a year ago and the fact that it hasn't been appropriately and timely credited shouldn't force me to keep my acct open now. But he/amex advised that I have to keep the card as Delta Gold. My  concern is that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. XXXX assured me that it would be credited when the XXXX bonus miles are credited. I asked When should miles post? He said 6-8wk, but I should see it in less than month. Offer code seen. He confirmed that I spent {$2500.00} by XXXX. 
I was concerned that Amex said this same thing a yr ago and never followed up. XXXX reassured me that I would be able to see the dispute he opened about the bonus miles and the annual fee in my online acct under " Disputes. '' Despite logging out and back in, this dispute never showed up. He said to give it more time. 

It's now been two wk and the dispute he claims to have opened is nowhere to be found on my account. Amex is trying to trick me into leaving my acct open so that I have to pay the annual fee {$95.00} even though I haven't used the card in a yr. If I don't pay, Amex will report this as derogatory to the credit reporting agencies.

Amex keeps breaking its promises. I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought concert tickets for {$360.00} using chase quick pay and XXXX, it was a scam but neither Chase or XXXX will give me any refund or do anything about it to prevent this person from continuing to do this.

Company response to consumer: Closed with explanation