BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous month, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to delete your errors and remove my records. Please take off the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX Late Date XXXX, XXXX XXXX XXXX Late Date XX/XX/21

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 2019-03-19
Company: Sonnenschein Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX of sonnenschein financial services contacted me regarding a outstanding debt for a traffic violation ( red light ticket ). XXXX XXXX stated I must pay the remainder in full or my credit and or driving record would be affected. I spoke wth representatives of this agency and explained in the past that I would have to make payment installments towards the debt, previous representatives where ok with this I made 2x installments already towards the debt. When XXXX XXXX threatened my credit and driving record I told him thats against FDCPA rules and he stated we ( sonnenschein financial services ) are not bound by that. This seems unlawful and concerning being a consumer especially over a redlight camera ticket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
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: Personal information incorrect

Complaint:
XXXX XXXX never made any attempts to contact me in reference to the account and give me a chance as a cosigner to make the account current.

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 2019-01-19
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had opened a Savings/Checking account set in Citi in XX/XX/2018, and transferred {$15000.00} on XX/XX/2018. This account was opened online through a promotional link on Citi 's website, and if I maintained the balance of XXXX for 60 days, I would be eligible for a bonus. From the time I opened the account, I have never received any confirmation email from Citi that I was signed up for the bonus. I had called into their call center several times, and no rep could confirm that either. So, very conveniently Citi would just have customers open accounts and have them make a large deposit, then provide 0 % interest, and no commitment of bonus. I maintained the balance until XX/XX/2018 ( requirement of 60 days ), and then withdrew XXXX. I had called back on XX/XX/2018, and the rep was confused why I had not received the bonus. She said that I had met the bonus criteria, and I should be receiving the bonus soon. She even opened a ticket for it. 
Yesterday, when I called in again going through a series of uninformed and untrained reps, someone called XXXX from KY confirmed that I was no longer eligible for the bonus as a related checking account got closed. Who closed it and why was I not informed of it before? When I came to know about it, I had opened another checking account within a day of closure. So, Citi very conveniently lures new customers to open new accounts, but their system nor their reps have no record of any specific information.

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 2018-04-12
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Unfortunately, I do not know the company. It is from a blocked number. Someone leaves a voicemail message that says XXXX XXXX wants me to call her at XXXX with student reference number XXXX to talk about repaying my Federal Loans ( which I pay monthly WITHOUT FAIL ). I receive this call at least two times a day. It interrupts me at work and it comes in the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has possibly made an account that was not requested by me that showed up as a hard inquiry on my XXXX XXXX report. I just got XXXX XXXX  a few days ago and it showed this XXXX account was created on XX/XX/2018 which I did not initiate.

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 2020-02-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company claims the credit scoring system " predicts '' my creditworthiness. 
All their predictions have been false. 

The balance on the account was {$0.00} for the life of the account. 

The reasons they cited are : >Lack of real eastate secured loan information >Too many revolving accounts with high balance compared to credit limit >To few accounts paid as agreed >Delinquent or derogatory status on auto accounts is too recent Points # 2 and # 3 contradict each other. This is insanity! 

Credit score used is not accurate.

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 2020-06-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XXXX XX/XX/2020 I happened to read an article on XXXX 's website about credit cards charging inflated interest fees. I then went onto my XXXX  card app to look at my fees. On XXXX XXXX, i was charged {$2.00} for interest. Than on XX/XX/2020, I was charged {$21.00}. They even dropped my credit limit from {$1800.00} down to {$1200.00}. Going back through all my statements, my interest charges were {$2.00}. I make all my credit card payments on time every month and have never been late.

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 2020-10-10
Company: EQUIFAX, INC.
State: CA
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:
I would like to start by saying I am part of the equifax data breach. On XXXX I received a notification from XXXX XXXX about a hard inquiry on my equifax report. I disputed the inquiry same day. On 1XX/XX/XXXX I received the results of dispute as factual. I have not applied for credit recently. I am saving to buy a house and am no longer applying for credit to allow all inquires to fall off. The company is XXXX/XXXX/XXXX  XXXX. On XX/XX/XXXX I  received a further notification of a blocked attempt to access my transunion account. I locked all 3 accounts on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I saw an ad for Emollient moisturizer on XXXX that claimed a risk free use of the product if you paid the shipping fee only of {$4.00}. It was endorsed by the XXXX XXXX XXXX show personality. It said that it would show on my bank statement as XXXX XXXX as the vendor name. So I paid the shipping fee of {$4.00} and also paid for the Emollient eye cream for the same deal as the moisturizer at {$4.00} shipping fee. However, when I checked out there was a {$1.00} charge for recycling fee added to the shipping fee for the moisturizer which when I received the moisturizer it didn't even come in a box. I haven't even used the products yet because I'm waiting for my current moisturizer and eye cream to run out. So fast forward to XX/XX/2019, I look at my bank account on line and find that there is a pending charge for {$79.00} from XXXX XXXX. So I call the phone number that is on my bank statement ( XXXX ) and speak to a customer service representative that says in the fine print at the very bottom that I had 14 days to cancel my subscription for the product and get a refund for the two products that I ordered. I asked if I could return them since I had not used them yet and he informed me that it would be a restocking fee so well as two week process time and another {$10.00} for a shipping fee. I told him I had no idea that you had to cancel within 14 days not to be charged. I thought risk free meant just that -- risk free. In my research to find the website on the internet and XXXX I have found out that this is widely known scam on XXXX and that there are warnings from bloggers not to fall or buy from these sites. I would like a full refund of the {$79.00} plus the two {$4.00} charges for shipping and the {$1.00} recycling charge and I will gladly send the products back at my own cost at the address the seller provides. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Upstart Holdings, Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Around XX/XX/2021 I began an online process for an Installment loan with UPstart.com. I was initially led to believe that the loan was forthcoming and had been approved. I was asked to provide additional information to complete the loan process, such retirement income, bank statements and photo-identification identification - which I did. I had several telephone conversations in furtherance of the process and had no indications of any problems. 
Needless to say the loan was initially reduced and then finally disapproved after having conversations suggesting leading me to incur additional debt in anticipation of the funds being approved. I believe that I was purposely mislead and that the company had no intention of making the loan. I believe that the DC zipcode and XXXX  animus were prime factors in the denial of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company name is First Financial Resource, amount for {$1600.00} and {$2600.00}. I have sent collection agency a debt validation several time with no response and collection agency reported this to my credit reporting agency. This two item is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: EQUIFAX, INC.
State: NV
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 AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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:
On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX was a new account on my consumer credit report # XXXX. This account was previously deleted back in the year XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a vacation back in XX/XX/2019 with XXXX for {$7200.00}. We were suppose to leave XX/XX/XXXX but with Covid, XXXX allowed us to change it to XXXX. Then we received an email XX/XX/XXXX stating they were cancelling us and they will not refund us but for me to contact my credit card company for refund. I can not contact XXXX at all. I have placed a dispute with Citibank and they gave me a temporary credit. Now they have removed that credit and stated that they favor the merchant. I didn't provide enough evidence of trying to contact XXXX. I can't! They have no way to reach them. I explained that on the phone when I spoke with them and in e-mail. I paid in full on my credit card for a vacation that I can not go on and Citibank will not protect me in this. This is against the Fair Credit Law. I have placed a police report in XXXX XXXX XXXX along with thousands of others. They have a special place on their website for just this. And Citi said I didn't provide enough information. I gave them all of the correspondence I have. They just cancelled on us. What else can I prove? I am on a XXXX page with others that have been wronged by XXXX and Citibank is the one of the only banks who wont back their customers unless they are reported for it. So I am reporting it and hopefully something gets done. 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 non-monetary relief
Consumer complaint received 2019-01-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who  opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days. 

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 72 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 

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 2020-10-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of identity-theft and have filed a police report to ensure that the fraud was reported. Some fraudulent accounts and inquiries appeared on my credit report. I was instructed to file a police report and affidavit to have these fraudulent accounts and inquiries removed from my credit report. I have filed an affidavit and police report with XXXX  and Equifax and disputed these fraudulent items four various time. For some odd reason, XXXX and Equifax will not comply with the FCRA ( Fair Credit Reporting Act ), which enforces credit reporting agencies to comply with reporting accurate information on consumer credit files, but they are not reporting correct information on my credit file/report. Instead, they are reporting incorrect information, which I am highly disgruntled about. If my credit file is not updated, then my next steps is to file a complaint with the state attorney general and take legal actions and file a lawsuit with the courts. Please let us prevent all of this and just provide a resolution and remove these fraudulent items from my credit report. The Fraudulent items include : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount Reported : {$130.00} - XXXX  XXXX Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX  XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX   XXXX  : Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX/XXXX  : Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX-XXXX   XXXX  : Inquiry Date : XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXXChapter XXXX Bankruptcy : U.S. Bankruptcy Court : Date Filed : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.

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 2022-10-05
Company: Diverse Funding Associates LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company has violated my consumer rights pursuant to 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent. Illegally trying to collect a debt while being a third party debt collector.

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