BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I had an open share loan and paid it off in XXXX of XXXX. I noticed the account is reporting 30 to 59 days past due because of a XXXX payment however the loan was paid in full in XXXX. When I called the bank I was basically told the account was 7 days past due, it was due on the XXXX but paid on the XXXX. My problem here is 7 days is not 30 plus days and my payments were set up on auto pay from my saving so if it was paid on the XXXX it was becuase their system didn't draft it until then. The customer service agent informed me that the quickest way to solve the problem was to file a dispute opposed to just having the credit department fix their error. Now my score on all 3 credit bureaus have dropped 30 plus points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$2100.00} to my credit card that was received, XX/XX/2018. The payment was received and cleared by the merchant approximately, XX/XX/2018 and Synchrony Bank granted me around {$850.00} of credit, instead of the full amount. It is unfair of Synchrony Bank to " float, '' {$1300.00} of my payment for 1 week and I believe in violation of state and federal regulations.

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 2020-03-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I submitted a complaint ( # XXXX-XXXX  ) to the CFPB on XX/XX/2020 that Citibank fraudulently tricked me into opening a checking. I fulfilled all the requirements of the promotion in order to receive XXXX Citibank points in my " Thank You '' account with Citi. I submitted 16 pages of documentation of this fraud. I just received a response today from Citibank and from the CFPB. Citibank lied to both me and the CFPB that they had in fact deposited XXXX Thank You Points on XX/XX/2020. Here is the response submitted to the CFPB and to me today. 

" Upon receipt of your concerns we engaged our Senior Management overseeing our promotions. They have confirmed that you were targeted for the promotion code XXXX for XXXX Thank You Points. You did meet the terms and conditions of the promotion. The XXXX Thank You Points were credited to your Thank You Members account number ending XXXX on XX/XX/2020. '' Citibank has not in fact deposited the XXXX Thank You points in my account as of today. Furthermore, Citibank claimed to have even deposited the points 10 days before I even submitted my complaint to the CFPB which is an outright lie. I attached the letter from XX/XX/2020 which Citibank stated I wasn't even eligible for the promotion and therefore was not going to receive the points. 

It is one thing that Citibank apparently hates its customers to defraud them, but it is a whole other problem for Citibank to blatantly lie to the CFPB, its regulator, and lie in it's official response stating the situation is resolved when it is anything but resolved. Astoundingly, Citibank claimed to have resolved the complaint ( on XX/XX/2020 ) before I even filed the complaint on XX/XX/2020. I will likely have to take legal action now as a result of this fraud. 

The CFPB should not allow one of the largest banks in the US to commit fraud against its customers and then blatantly lie to the CFPB that the case is close by claiming they deposited the points I am entitled when they absolutely did not and admitted in writing to the fact they have not.

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 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I've tried several different ways to get my score and report online and I can't. I'm quite concerned and need to know what to do.

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 2018-10-07
Company: Experian Information Solutions Inc.
State: AL
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:
I've tried several different ways to get my score and report online and I can't. I'm quite concerned and need to know what to do.

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 2020-05-28
Company: DK, Consulting, Inc dba Huntington Financial Services
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Approx. XXXX Central Time My employer was contacted by one,  XXXX XXXX from a spoof phone number that block our company caller id system. 

This is Mr. XXXX third attempt contacting my place of employment. Debt collectors or solicitation of collection phone calls arent allowed to call my place of employment per company policy as I have informed them in the past. I have no tie to this issue nor any proof of writing that I've requested that I owe such a debt. 

He contacted my employer from XXXX stating his company is called Huntington Financial Services, which is also a possible fraudulent pseudo company in which I or the CFPB can seek litigation.

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 2021-04-30
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to my original CFPB case number XXXX with mortgage company Homebridge Financial Services , Inc. My attorney sent a letter to the mortgage company in reference to them not paying my property taxes when they are were holding my tax escrow. After they received the letter from my attorney Homebridge Financial Services , Inc. sold my mortgage to XXXXXXXX XXXX and now I am not able to get to them since I no longer have a valid loan number with them. Homebridge Financial Services , Inc. took a payment for XXXX and that is when my loan was transferred to XXXXXXXX XXXX. Now I am late with the new mortgage lender XXXXXXXX XXXX because the Homebridge Financial Services , Inc. will not send me my refund for the mortgage payment that they took from me for XXXX and I need to send that same money to the new company. In additional to everything that has happened I feel I have been discriminated on because of my accent. I have asked to speak with someone in their compliance department or even a supervisor and the representatives refuse to escalate my call and they pretend to not hear me because of my accent. I have been mistreated and the representatives have been rude and disrespectful in every single interaction.

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 2018-10-07
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against Diversified Consultants due to they are still reporting a derogatory account on my XXXX and XXXX  credit reports. This account has been removed from XXXX credit report. 

Diversified Consultants has yet to provide me with validation showing that this account belongs to me. I do not recall opening this account and have never had an account with XXXX. Therefore Diversified Consultants can not continue to report an account that does not belong to me. I am demanding immediate removal from my XXXX and XXXX credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I got hit with New Inquiry from Discover which I noticed XX/XX/XXXX on my XXXX online account. I called discover to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my XX/XX/XXXX and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Medical Data Systems, 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: Account information incorrect

Complaint:
on XXXX XXXX account shows closed, XXXX  its still listed as open. see attached documents.

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 2018-03-12
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/XXXX my credit report is showing inquiries from CBNA company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company - CBNA Date of Inquiry Type of Business XX/XX/XXXX CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD 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 2019-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates ( PRA ) garnished my wages for a medical debt purchased from XXXX XXXX opened in XX/XX/XXXX. PRA was paid in full on/about XX/XX/XXXX, via case # XXXX reported as closed with XXXX XXXX Sheriff. PRA is claiming that I have a balance of {$710.00} and continue to report negative activity on my credit bureau and harass me with phone calls ( these have now stopped after a formal complaint to the company ). I have provided proof of payment via wage garnishment to credit bureaus to no avail - item continues to be reported as outstanding based on their inaccurate reporting. Not only has this been paid in full, the medical debt was incurred XX/XX/XXXX and statute of limitations for collection expired in XXXX. I would like PRA to close this account, stop all harassing collection attempts and correct it on my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
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 had been receiving a number of letters to my old address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ) saying that I owed money to XXXX XXXX. After calling the number on the letter it became apparent that it seemed like more of a scam. 

This was confusing as I live with my parents, do not own a property and at the time the so-called account was taken out I was only XXXX XXXX XXXX. As I felt it was a scam I just left the account and heard nothing more apart from the odd letter i received every no and again. 

I have never missed any payments on loans etc and have spent the past few years building up my credit score and when I recently checked it had gone done by like 500 points in one month. After doing some digging it seems I have a payment gone into default for circa XXXX. I have never had an account with XXXX XXXX, I don't own property as I live with my parent 's and the account was supposedly taken out back in 2015, at that point I was XXXX XXXX XXXX so it would have been impossible to take an account out. 

I have contacted XXXX XXXX and the only response that I ever get is them requesting an account number, which I can't provide as I do not have an account with them and never have. 

I keep getting refused for credit which is becoming increasingly frustrating. I am also looking at getting a mortgage towards the end of the year and with this false information showing against my credit score it is going to be impossible. 

Your soonest response would be greatly appreciated as this has been going on for 2 months now and I don't seem to be any closer to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: OneMain Finance Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This information has lead to consent credit inquiries on my credit score causing a decrease in my credit scores due to constant inquires from XX/XX/XXXX until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a XXXX account and cancelled it because I have a identity problem that I am closing accounts that I don't need. I started cancelling accounts and XXXX wants to charge a convenience fee. This a unfair charged that I don't agree with all the fraud happening today I don't there service nor want it. I am retired and will now will do my shopping at the XXXX, XXXX. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX XXXX Attention : XXXX  XXXX Department XXXX : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2018-03-12
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was issued a Walmart Store MasterCard/Credit Card with # XXXX XXXX XXXX with an expiration date XX/XX/XXXX. My monthly statement sometime missed to reach me at times. And I just call the XXXX Customer Account Services to find out how much is my balance and due payments. However, On XX/XX/XXXX I called the said numbers and an answering service has notified me that I have no payment due at that time and my account was closed. I was surprised by the message despite I was always current on my payment. And the closed my account. And I started receiving a collection calls every now and then. Including on Sundays. I was not notified by mail why my account was closed. And the worst things they call even at night passed XXXX Arizona time. And Early on Sundays. I called and left a message on that Collection Agency and never receive any response from them. Now, I am surely they are hitting me with late fee 's on my account. 

Kindly help me with my situation with the Walmart account. If for some reasons they have closed my account. Atleast, They will offer me a chance to pay them back without the penalties and interest at a monthly payment I can afford. Thank you very much for your kind understanding and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-08-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2021-09-01
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have recently purchased a car from XXXX  of Connecticut and XXXX and was told that the only way I would be able to apply for a loan and get a car is if i provide a down payment of XXXX dollars I was told by XXXX XXXX of this matter after I paid this deposit it has come to my attention that this was a violation of 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : All charges must be included in the finance charge!!! My initial down payment was not included with my finance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I had a dispute with my former employer regarding an overpayment of wages. I had been injured on the job, however my employer denied my worker 's compensation claim. The injury occurred in XX/XX/XXXX and I was using my sick time. When all of my sick time was exhausted my supervisor reported my time incorrectly and I was overpaid {$3200.00}. I emailed my Payroll department to make payments arrangements however I did not receive a response. In XX/XX/XXXX I decided to retire and I thought payment would be taken out of my pension check ... however that did not happen. Instead my account was turned over to a collection agency ... 
( XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX - ( XXXX ) XXXX X XXXX ) When I spoke with collections agency ... the representative stated if I paid the whole account off, it would not be reflected on my credit report. I checked my credit report and I see that this account will not be removed from my credit report until XX/XX/XXXX. I have called numerous time however the only information I have received from XXXX   is my account # XXXX. Therefore your attention to this matter will be appreciated.

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