BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I learned that XXXX XXXX American Express had reported that I was 60 days late on a {$9.00} charge I made to that card on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX credit department ... .and after several calls was told I needed to call back the next day and talk to a Credit Consumer Specialist. On XX/XX/XXXX, after two calls, I finally was able to speak to a Specialist. We went over the charge. We went over the fact that I had signed up for on-line statements and bill pay : And, that I never received any emails for this {$9.00} charge. And, that the only email re a statement due came on XX/XX/XXXX, the day after I had charged {$60.00} plus dollars on that same card at my local XXXX XXXX. I was travelling on the XXXX. Went on to XXXX 's on-line bill website on XX/XX/XXXX to pay my bill. It said I owed $ 77ish dollars. My bank account is right on the website as a link to pay. And, I authorized payment. Nothing was said that I was deliquent or had any late pay issues. I only found that out by my credit monitoring company sending an email stating the same and calling me on XX/XX/XXXX to figure out why this happened. All this was explained to the Credit Consumer Specialist. She didn't care. She couldn't/would n't remove the deliquency notice. And, when she asked if I wanted to dispute the matter ... ... She read me a legal notice that was quite threatening and intimidating ... .and not fully disclosing or accurately disclosing what would happen if I did dispute the matter. The legal notice she read me said that if you dispute the matter, you will be denied a mortgage or a loan by a lender until the dispute is removed or resolved. At no time, did she tell me that a dispute is resolved in 30 days. That I found up by calling XXXX   ... .and filing the dispute directly with them. XXXX XXXX Specialist also failed to disclose that a deliquent account stays on your credit report for 7 years ... unless cleared out by filing a dispute. When I raised the fact that XXXXXXXX XXXX legal disclosure was threatening, the Specialist did everything she could to continue the threat of financial consequences should I file a dispute. XXXXXXXX XXXX needs to revise their legal disclosure and retrain their Specialists so that a consumer is fully informed of how the dispute process works, that it is quickly resolved in 30 days, and if its resolved in the consumer 's favor ... .their credit score will be restored to its former glory ... .rather than threatening no ability to obtain loans or credit cards in the future should you file a dispute.

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 2018-09-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Every transaction for the CitiBank issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet CitiBank was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX sent an initial message to the Head of Customer Service and received a response that was an outright lie that his account number could not be located. XXXX XXXX sent a second message noting the applicable illegalities with the only " legal '' option being account closure with any further contact being illegal. The communication of only ( 2 ) messages is easily retrievable. CitiBank called ( 3 ) times within only 5.5 hours on XX/XX/2018. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. Apparently, the majority of financial institutions engage in incessantly intrusive and harassing activity for personal enrichment.

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 2023-08-21
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of 2021 I opened a XXXX XXXXXXXX XXXX XXXX with Comenity bank. They advertised a {$50.00} store code and a {$75.00} free game code after I made a {$500.00} purchase. It's been three months and I've contacted the company with phone twice and email twice. They refuse to do anything. They say they can not help me and I should contact XXXX. I've been trying to contact XXXX directly for over a week and there is no answer from the phone number given. Comenity bank is using fraud by offering a reward and then not honoring it. I opened this card because they promised {$120.00} in free game codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Unfortunately, the purpose of this letter is to inform you that the companies listed failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 102 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report.

I would like to inform you that I have maintained an accurate chronological record of my communications with them. If they continue to fail to respond to my requests, I will implement litigation due to the hardships these invalidated items on my reports have caused 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 explanation
Consumer complaint received 2021-02-10
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer was transferred from Dovenmuehle to XXXX mid XXXX, with the XXXX payment due to XXXX. I have verified with XXXX that this is correct. I received notices in the mail from Dovenmuehle, XXXX and XXXX verifying this. 

Since this time, Ive made all required payments to XXXX and am in good standing with my mortgage. 

Since late XXXX, Ive received multiple calls from the collections department at Dovenmuehle, that I am delinquent on payments. When I inform them that they are no longer the servicer, they inform me that they show that is incorrect and I need to make a payment. Ive talked to their customer service department twice about this and have emailed them proof ( the letter they sent me, along with the letter from XXXX and XXXX ), but have yet to hear back. Additionally Ive received a collections letter from Dovenmuehle, stating I owe them two months payment and if not received by XXXX, they will start the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: MA
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 received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
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:
Late in XXXX ( around XX/XX/XXXX ) I applied for the Citi DoubleCash card because it had a bonus of {$150.00} advertised on a {$500.00} spend. I received my card early in XXXX and over the next three months put well over {$500.00} spend on it. I waited for my bonus, but I did not receive any.

I called Citi to resolve the issue on XX/XX/XXXX, they said they didn't have any bonus on my account. I asked them to look into it, since I definitely remember that offer. They said they would, but they never reached back out to me. 

Attachment : the offer

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 2018-09-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out private loans from XXXX to XXXX to pay for tuition and board for college. In all, the loans totaled about {$95000.00}. After graduating in XXXX I was unable to find work, so I called navient ( Sallie Mae at the time ) and the only option they presented me was to go into forbearance. I did this for the maximum allowed of two years. After the forbearance, I contacted them again and the only option they offered was to increase my term from 15 years to 30. So after making payments since XXXX, my principle balance is still higher than my original principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo refused to use income from rent/contributor to make a repayment plan when I fell a little behind from having unexpected major XXXX. Wells Fargo also refused to accept payments from me I tried to make on multiple occasions.

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 2020-07-07
Company: CITIBANK, N.A.
State: MA
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:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the date below XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2018-09-22
Company: Credit Karma, LLC
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:
Yes hi my name is XXXX last year ago I have noticed several inquiries on my credit report from XXXX card. I gave them a call to let them know that it was fraud been done in my name and asked that they fixed the problem. They told me that they would but never have and this was last year some time in the summer of XXXX. So because they handle the situation properly I called XXXX and let them know of the situation what was going on. That it seems as if someone has stolen my identity, they did put a block on my social security number and also removed the XXXX card off my report. In XXXX of XXXX or XXXX I believe but here it is XX/XX/XXXX and it pops up again on my credit report. I have been rebuilding my credit over so I can buy me a house these hard inquiries keep putting a ding in my score. I'm really getting irritated by it cause it's getting out of hand my next step is to Laywer up and Sue XXXX card I'm trying to avoid going this route so can you all please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: ARS National Services, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 Amount : {$2500.00} My information was given to this company without my consent. 
The company is in direct violation of 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Why was the home equity loan of credit changed from HELOC to a mortgage in the middle of the service of the loan without informing 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 explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
They will not refund the full initial cost of the card nor honor the Terms & Agreement ( T & A ) for the welcome bonus offer portion. 

AMEX offered a welcome promotion bonus offer for their Delta Platinum Card of XXXX points with a spending of {$3000.00} within 90 days. The card initiated a {$190.00} fee as part of the sign up T & A. 

AMEX Admits that this offer was assigned to my account. Spending limit was met within 92 days. The T & A states that the bonus offer will be credited to the account within 6-8 weeks. 

It's been 12 weeks and AMEX took no action to provide the bonus offer until complaint was made. AMEX reports 6-8 weeks requirement for investigation to be completed with no commitment that the original bonus offer will be provided. 

Also told that they will not refund the full amount of the initial {$190.00} fee. Consumer has to wait 18-20 weeks by AMEX estimation for a decision to be made. Under this scenario the consumer would only receive a {$35.00} refund due to the prorate and no bonus offer if AMEX does not award. 

This is deceptive, misleading. They will not refund the full initial cost of the card nor honor the T & A.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a bank account with Wells Fargo in XX/XX/XXXX. I believe the account could have been overdrawn i called to speak with an associate at the banking institution sometime around XX/XX/XXXX. Once on the line with the associate was told i was denied for a student loan as i did receive a letter stating this as well. I never applied to receive a student loan i was not a student i was working not attending school. This incident raised red flags i asked to speak with the Manager and wasnt able to i went into the bank i opened the account with to speak with the Manager i spoke with another associate who explained the debt was in fact mine because the account was overdrawn i didnt not receive notice. I let the situation go for a while due to other obligations i found out a Credit Card was opened in my name per my Credit Report without authorization from me. The account was closed XX/XX/XXXX with a {$600.00} spending limit it also shows out of the {$600.00} limit {$330.00} was used towards debt collection. I am currently involved in a class action law suit with XXXX against Wells Fargo for fraudulently opening credit accounts without consent or approval of their customers. The debt is still showing on all 3 credit bureaus and have been on my credit for 6 years and 8 months i need this debt removed and this issue resolved.

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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE Transunion my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX  ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

Transunion ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.

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 2020-05-22
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in an active bankruptcy, a senior citizen, XXXX, and lost three out of four jobs to COVID. I have help to pay my payments by a school and/or XXXX XXXX, but need a W-9 form filled out by my mortgage Company for me to turn in with my applications. I called on XX/XX/2020 and got hung up on several times with no resolution. I finally talked with an oversees representative who assured me that he would automatically send it to my e-mail immediately, as well as send me copy in the postage mail. I tried to contact them all day on XX/XX/2020, getting hung up on several times and told that there phone service is not working. No resolve on that date! Today, XX/XX/XXXX, I was told multiple times that they would check, placed on hold ( if I was not disconnected immediately upon calling ), then disconnected and multiple times just hung up on. I asked for supervisors, given a female at XXXX Extension # XXXX and XXXX at the same # Extension # XXXX. I was promised not to be disconnected by both, and a promise of a call back ( which did not happen by the first ). I was told that they would take another XXXX days in which they would decide if they were going to send it, it had to go through a review process first. This information is time sensitive as my help will disappear if I do not provide this W-9. I was told on the XXXX that it was sent E-mail, now told that they did not, and might not send it at all. I have checked with an attorney, who stated that it is illegal to withhold this W-9 as the IRS states this. I need this help, but can not get resolve, as they keep moving the date to a longer hold and outright refusing it. I have called 23 times in the last two days, gotten hung up on, disconnected and refused this paper. I need some help to obtain this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: OneMain Finance Corporation
State: OR
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:
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX, XXXX, XXXX. All creditors are reporting in accrate information on my credit report.

Company response to consumer: Closed with explanation