BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: CA
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:
Whom Im concern, The purpose of this letter is to defend and validate my rights as a consumer Ive been a customer with Citi Bank for the longest but recently they have been behaving extremely unprofessional charging consumers high interest rates in closing accounts without no fear or any consideration of a hardship I informed this company my currency situation of being an unemployed and my importance on keep my account current and my credit in good standing this week this company Decided to close my account by adding that I wasnt making the payments But Id be making the minimum payment and tried every effort to continue making payments. 

Citibank ended closing the account not letting me make another payment or chance to react and go ahead and close my account. I been making my payments every month but the last payment did not go through Not giving me a chance to make another payment. The problem here is that this is going to greatly affect my credit score or my ability to find housing or refi my auto loan and many other things that I can do with my credit. Citibank obviously jeopardizes peoples credit their up to make their own profit not caring about consumers situations or hardships not offering absolutely anything any help offer the been operating deceptive practices like bait and switch strategy from them offering false advertising with great credit card deals and another perk like miles discounts, etc The reality is completely different there high-interest rates are above any other credit card that I consider a predatory lending company and theyre up to their own profit not to help people at all with hardships like unemployment XXXX in another kind of hardship. 

I like to dispute the matter of how my account is going to reflect on my credit they have the power to remove that and I will continue making my payment but I want to report that this is really an ethical what they do it can be legal but it really does not help the customers at all 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 2020-07-23
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
In my XXXX Credit report I can see 2 hard inquiries that are not true ... I need to make Chase or Amazon to removed that inquiries, how I can do that. Please Help Jpmcb - Card Service Inquiry from XX/XX/2019 National Credit Card Cos. 

Jpmcb - Auto Finance Inquiry from XX/XX/2019 I did not apply or ask for a new loan or credit card or anything in those dates. 
I don't now why they ran my credit. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: EQUIFAX, INC.
State: TN
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:
Equifax is incorrectly reporting me 120 days late on the XXXX XXXX XXXX, partial account number XXXX. This account that a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
N accordance with the fair credit reporting act XXXX accounts Has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I submitted a complaint to the CFPB concerning Amex improperly closing my account and confiscating my XXXX points. In response to that complaint, Amex submitted a reply asking me to contact them to discuss my point redemption options. I have contacted Amex no less than 4 times but they are now refusing to give me my points, which is contrary to the letter response to my first complaint. Amex is a dishonorable and crooked company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened account around XX/XX/2019 Funded acoount via ACH in the amount of XXXX around XX/XX/2019 account was closed and online access restricted. 

bank call center indicating my account has no balance and no record of opening deposit. 

the canceled debit card number as i do not know the account number is 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 2019-03-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a credit card through AMEX on XX/XX/19. I wanted to transfer the balance on a credit to AMEX to take advantage of a 0 % APR transfer for 15months. 

I got approved a line of credit, it was lower than what I was looking to transfer. Now we all know when you apply for a credit card you do not know what your balance is going to be, and if it would be high enough to transfer my existing balance over. 

So I went online to see if the balance could be increased and submitted the request, I called AMEX and talked to their credit line department. 

I was told I was denied, because I had to be a customer for at least 60 days before I could apply for a credit line increase. I was a little taken back on why this information was not provided in any of the disclosures I had just agreed to. I was told that it was an internal policy. If I am applying for a line of credit I should know everything that will untimely make my decision on whether or not to move forward with the application. This information would have made me decide not to apply for the card as I would not know what my initial line was going to be until I had applied. 

The promotion I was taken advantage of is for only good for 60 days, I have to wait 60 days to request an increase. I find this deceiving. If the information about waiting 60 days before a could submit a request to increase my line was provided to me in the disclosures that I had to agree to, I would not have applied for the credit card, not knowing what my initial credit line offer was going to be if approved. So now I have a credit card that is basically useless to me and an inquiry on my credit report. 

If I am applying for a line of credit, I should have all the information up front so I can make a decision on whether or not I want to move forward with the application or if the card is right for me. Obviously this card was not the right fit for my based off of the information I found out after I applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: CA
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:
My Current credit report is all incorrect and causing lots of issues and harm to me. I had notice that my report had incorrect information consisting of inquiries, Name, address and credit score. I had called multiple times and emailed various times to remove and to properly investigate this subject matter. I verbally requested to investigate this issue on XX/XX/2023 and only a few inquiries were fixed. As a reporting bureau all information on file should always be investigated before reporting such information on a report. I would like to also state that your ads are misleading and unfair. The display of a " click button '' to boost your fico score immediately, is simply a false click bait that doesn't do as it states. I need all file fixed and corrected as soon as possible.

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 2019-11-16
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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:
XX/XX/2019, Credit Acceptance REFUSES to report to all 3 credit bureaus ( XXXX, XXXX  and XXXX   ) that my installment car loan # XXXX, is paid and pays as agreed.

Not closed- false information. Credit Acceptance NOT reporting accurately FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account showing up on my credit reports from Accelerated Financial Solutions in XXXX, VA. I have no contract nor account with this company, and they have failed to provide validation of the debt they're saying I owe. I would like validation of the debt or for the account to be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.

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 2023-08-25
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi bank refuses to validate identity based on the code word on file, address, birthday, etc. They are asking for other account numbers with other cards/banks and this feels very unsafe to me as a consumer. I refuse to give them account numbers for other companies and can't believe it's their SOP to ask for it. They will only verify on a second phone, with another account, or a letter. I can't even close the account until they resolve my identity even though they will not accept actual information about me or the phone number I entered myself when opening the account.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-03-06
Company: Home Point Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/XXXX after receiving my homeowners insurance renewal policy from XXXX XXXX the policy premium had increased over {$800.00} a year. I contacted my agent who quoted me through XXXX XXXX XXXX at a rate of {$1400.00} a year. I changed policies. I notified Homepoint via phone not to pay my XXXX renewal and was advised to send an email with the new declaration page. I did. However, Homepoint paid the XXXX policy and then also the XXXX XXXX policy. I received the refund at my home address from XXXX for {$2300.00}. I contact Homepoint and was advised to transfer those funds to them which I did electronically with check over the phone XX/XX/XXXX. The agent I spoke to said she would request an escrow analysis since there was over an {$800.00} difference in the insurance policies that I would be due a refund from my escrow. I waited almost 2 months before contacting Homepoint again. I called the end of XXXX - the XXXX I believe - and was told the matter was closed as of XX/XX/XXXX and no refund was due to me. I went through the numbers with the agent on the phone, she agreed and said she would escalate it to a manager. I called again on XX/XX/XXXX after not hearing anything from Homepoint and  was told it was set for a resolution on XX/XX/XXXX. I did not hear from anyone. I called again today XX/XX/XXXX and was told I am not due a refund. The math is as follows : My current escrow balance is {$1000.00}. My escrow obligation each year is {$1400.00} for insurance and {$1400.00} each cycle for taxes making my obligation {$4300.00} a year. They are currently posting {$350.00} of my {$1100.00} payment to escrow. With a current escrow balance exceeding {$1000.00} my escrow is well overfunded for XXXX and I would be due a refund under RESPA. I stated that to XXXX ' the agent I spoke to today and he stated I am incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: IL
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:
INCORRECT INFORMATION REPORTED ON MY CONSUMER REPORTS

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 2018-09-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018 I called Ally Financial and spoke to a representative about an advertised offer that provided for a {$1200.00} cash bonus for opening a new account with {$500000.00} or more. I inquired as to whether the combination of my two accounts, an IRA and a Roth IRA, would qualify, since the combined value was well over the threshold. I was told that the combined value would be considered. I opened the two accounts and transferred securities. Ally calculated the bonus 60 days later and gave me a bonus of {$600.00} in one account and {$300.00} in the second account. When I called to inquire of this discrepancy, I was told that the two account values were  considered separately and that they would not give me the full {$1200.00}. I would like for Ally to fulfill their commitment of a {$1200.00} new account bonus. 

I've attached my call log showing the date and time I called from XXXX. A review of this phone call should confirm my conversation.

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 2020-02-03
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please refer to uploaded document for all of the details about the complaint. 

This complaint involves two companies. The hospital where medical treatment was received and the collection agency. This collection account is reported with an outstanding balance of {$790.00} at all three credit bureaus. The medical bill was paid by my primary insurance, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX contact : XXXX XXXX XXXX Bay Area Receivables XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX contact : XXXX XXXX XXXX bayareareceivables.com

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01
Company: Aspen National Financial, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aspen collections is attempted to collect a debt that I do not owe. The original company in question is XXXX XXXX in which the account was fraudulent. The account was cancelled within the reasonable time of 30 days, but XXXX never cancelled it. The account was sold to Aspen collections in 2014. Aspen collections has added an unjustly charge each month of up to {$13.00} in order to keep the account active. None of this is owed. The account started out at {$3500.00} and has risen to {$4600.00} with these added charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2017-09-19
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: Problem with rewards from credit card

Complaint:
Five months ago, I opened an Advantage card with Citi,  because it was advertising a XXXX + XXXX mile sign up offer. The conditions were : 1 ) spend {$3000.00} in the first 3 months to get XXXX and 2 ) spend total of {$5000.00} in the first 12 months to get XXXX miles. 

The card was approved but the credit line given was {$1500.00}. I make about {$75000.00} annually and already have a Citi card with {$20000.00} line on it ( 3-year history, never made a late payment, never carried a balance ), while the total credit line across all the card is ~ {$100000.00}. I called Citi to ask for the increase, because no way one could meet the requirements with that credit line. I asked for the increase twice. Both times was denied. 

So, I had decided to make payments of my balance throughout the cycle ( in the middle ) to allow me spend more. My first payment was put on hold for a week or two which prevented me from using the card ( there is a bounced charged on the record to prove XXXX. 

I was very concerned about this 'set to fail ' scheme, so I called Citi on 3 occasions to verify my spending total to make sure I meet the requirement. I was told that I had by the end of XXXX to spend {$3000.00}. On the last of the 3 calls, I was told that I spent ~ {$3200.00} ( I later verified as {$3200.00} ) and that the XXXX miles would be credited XXXX when the statement is generated. 

As my last payment was put on hold this month yet again, I chatted with Citi ( on XXXX around XXXX PST ) via online chat and was told that the hold would be taken off in a couple hours. I had asked the representative about the miles, and yet was assured that they would be credited in a couple hours. 

Few hours later the statement was generated but no miles were granted. I called Citi in the morning of XXXX and was told that the spending requirement WAS NOT MET. No one would check the past records. It appears to me, that Citi representatives lied to me on 4 occasions about my spending. On top of the fact that the card was set to fail from the start.

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