BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: FL
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:
Good Afternoon, my name is XXXX XXXX, after applying for a loan today at my bank, I was informed by the loan officer that they could not process my loan application because my SSN was not showing on the Equifax credit report that they had pulled from the credit bureau. So the bank advised me to call the credit bureau to find out what was the problem. I called the credit company XXXX Equifax XXXX and the first person I spoke with after confirming my identity put me on hold and after 15 minutes or so another customer service representative answer the call and started the process all over again. After almost 30 minutes on the phone waiting for an answer I asked for a supervisor at first the representative didn't want to pass the call to a supervisor and them they let me on hold to the point that is an XXXX sec and I'm steel on hold! I have 12 companies reporting on my credit behavior monthly using my SSN but Equifax doesn't know why if a creditor pulls my information my SSN doesn't show and my name is using a XXXX  In the meantime my loan application is on hold because the credit bureau negligence ... ... .... please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.

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 2020-11-24
Company: RockLoans Holdings LLC
State: TN
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:
Im a victim of identity theft and have had a fraudulent personal loan that has been opened in my name with your company Rocketloans. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. The address, phone number, email, and information on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a debt validation letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that XXXX has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Rocketloans for intentional infliction of emotional distress and at the other diminishes of the quality of my life. This fraudulent account need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing the complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are requested to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
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 2018-04-24
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FNB Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2020-05-28
Company: CITIBANK, N.A.
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:
Citibank, a synonym of poor service. As a customer, I try to follow all the regular procedure to resolve issues, but Citibank seems to be very proud of not providing good customer service. 

I have two active offers in my account, as confirmed via chat : XXXX pt online Excluding Dining & Entertnmnt Cap XXXX to XX/XX/XXXX XXXX pt online Excluding Dining & Entertnmnt Cap XXXX to XX/XX/XXXX There is one issue that offer is not being applied according to the terms. 
For example, the purchase : XX/XX/XXXX, XXXX XXXX XXXX GA, {$260.00}. This purchase earned only one offer, not both. There is no reason for that. It's not the cap, because orders after this date have qualified for both orders. 

I open a complaint, and a few days later I received a later simply stating : We have reviewed your account and show that your ThankYou Network accumulation is correct. 

How good is that? No explanation as to why the other offer did not apply to that purchase. 

It is a system we can not trust. Maybe a bank we can not trust. 

Citibank : I will open a CFPB complaint every single time you don't provide customer service. Your attempts of not being clear in your communication will simply hurt your business. You may leave a note in my account stating to provide better service if you want to avoid more complaints in the future. 

Of course, I have paused the use of the Citibank 's credit card.

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 2021-05-03
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is impossible to upload documents on Experian Disputes. I am not the only one with this problem. XXXX it. Experian has a cutesy and complicated website and push sales the first thing when you go on. I have tried calling multiple times but that is a waste of time also. So I mail. Then I receive an email back to me with a middle name of the person that stole my identity??????????!!!!!!!!! I have been disputing identity theft for 5 years. I have sent a XX/XX/XXXX sheriffs report multiple times that reflects the thief. Have sent an undated XXXX sheriffs report reflecting specific information for accounts XXXX XXXX, XXXX, and XXXX XXXX Auto Finance. I have sent warrants issued for the thief, arrests, and even convictions of this thief that even lists one of my cards that was stolen. In addition, Experian gave my credit report to XXXX XXXX XXXX XXXX without permissible permission. Experian doesnt even require proof from XXXX XXXX XXXX XXXX that they used to pull my credit. Experian needs to quit selling until they at least can do a better job of their base job for a Credit Reporting Agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Had three unauthorized transactions on XXXX  app done without my consent or knowledge. The first was on XX/XX/2018 for {$300.00} and the other two were on XX/XX/2018 for {$1000.00} each ( {$2000.00} total ). I reached out to XXXX and tried to get it reversed. However, they said since the account it was sent to is one that I had a previous affiliation with that they could not do anything and that I would have to resolve the dispute with the person who received the money. She did not want to give it back so I filed a police report on XX/XX/2018 regarding the unauthorized transactions. 

I then contacted my bank with the police report and they reversed the charges from XXXX. I was contacted on XX/XX/2018 by XXXX  saying that I owed them {$2300.00} or else I would be sent to collections. I explained the police report and how the bank reversed the funds due to fraud and they were insistent that their terms of agreement say that I must resolve it with the person who received my money. I told them I refused to pay for fraud and they threatened to shut down my account and send me to collections for {$2300.00}. I spoke with a representative both in online chat and on the phone from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28
Company: Selene Finance LP
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Selene Finance is been asking me for proof of hazard insurance of my apartment. As I leave in a condominium, following their request, the condo association sent proof of the insurance several times. 
0n XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 the condo association spoke with the following customer reps from the above company, to no avail : XXXX, ID XXXX ; XXXX, ID XXXX ; XXXX, ID XXXX and XXXX, ID XXXX. The proof of insurance was also faxed to Selene Financial for five times but the company still ask for proof of insurance. 
At this time, Selene Financial does not want to take note of the condo association phone calls or faxes showing the proof that the hazard insurance is been paid and they purchased themselves insurance for my apartment for about XXXX per year. They hold me responsible for this amount of money and started to charge me late fees on my mortgage payments. I want also to mention that the insurance on the apartment has never expired, being renewed in time by the condo association. 
They went so far as to return to me the checks I send as mortgage payments. Their motivation would be that the payment of {$740.00} I pay as monthly mortgage " is less than the amount required to cure the default on your loan ''. 
Please help me as I am XXXX years old, I live on a social security pension and I have several, very serious health issues. 
Attached you will find proof of the way this company treats me as a consumer, taking advantage of my age and my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/20 promotional interest was applied to my account. 
My payment was due XX/XX/20. 
My statement cycle ended XX/XX/20. 
Is it possible to have this interest amount adjusted? My work has been affected by the Coronovirus/COVID-19 and that savings would help better provide for my family during the period of uncertainty. Thank you for the consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX, I moved into a house I had just bought. Since I will need to purchase a lot of home improvement supplies, I signed up for the Lowe 's Hardware credit card through Synchrony in XX/XX/2018. Synchrony sent me a letter asking me to call them to verify my identity. They asked me questions supposedly from my credit report. They then sent me a letter saying they couldn't verify my identity. I sent them an original of my credit report to prove my answers were correct. XXXX XXXX at Synchrony sent me another letter dated XXXX XXXX saying they still could not verify my identity, which is impossible because I am 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 2018-12-11
Company: PNC Bank N.A.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am an international XXXX  student at XXXX university. I opened abank account in PNC bank, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the pnc bank told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : XXXX  XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: WI
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 am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 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 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
XXXX XXXX has not my balance after paying {$1000.00} dollarpdate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Ok my complaint is for XXXX New Mexico EPPICard customer service agency. My card is not working currently under fraud suspension. I was never notified I had got the card XX/XX/XXXXstop working XX/XX/2020 so since XX/XX/2020 I been calling the customer service number XXXX and do they love to keep you on hold for 5 hour at a time!!! So for almost a month the customer service representative would tell me that they weren't the ones I needed to contact that I needed to call the states unimployment office so I would then the states unimployment office would do the same tell me there was nothing they could do and I can't begin to tell you how much time I've spent on hold since  XX/XX/2020 even now XX/XX/2020 still they have to activate my card eventually I was told to email XXXX 2 form of identification which I have done about 30 times I can't go to the state unimployment office due to COVID the unimployment office is closed to the public so I can't go in personally I don't get anywhere with these lausy customer representatives or the unimployment State office I'm so fed up with this nonsense someone needs to actually do there job and help me instead no I get the run around and sometimes get transferred to u existing lines so after waiting 3 hours i get supposedly to transfered but theres no hold music just hangs up I got a letter from the EPPICARD payment  processing service XXXX XXXX XXXX XXXX XXXX, TX XXXX so it's the fraud services department it's XX/XX/XXXX this letter bearly came XX/XX/XXXX this letter is dated XX/XX/2020 I well add a picture of this letter to documents any how stats that they attempted to contact me to verify recent activity on my current card which is suspended by the way that my card has been placed on temporary restriction and that all I had to do was contact the number list and verify it was me and that my cards restriction would be removed well nothing yet I called the Fraud services department XXXX XXXX and was told since the letter was so long ago that no longer applied that I had to email 2 forms of identification to the XXXX and I did at least 7 to 8 time already I'm so fed up and I don't know how much money I've spend calling these agency to get absolutely no where and a head ache im stressed out I'm tired of these agency I would to be reimbursed for all the charges for the calls to agency because they were not doing there job and I want my card unsuspend ASAP As Soon As Possible Please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My father and mother are both died .my mom passed away XX/XX/XXXX and my father XX/XX/XXXX. They never asked for help, and I'm not a student.they where both gone.someone is acting as if they are my mom and dad.even at my father 's work place.succussers and assignings are the ones that are taking out lease or loan under my dad 's house.my father paid off the house Wright before he'd passed away.these people took a loan out under my father 's estate.i don't have the money to pay off this new loan.so know they are trying to take my father 's estate away from me.im my father 's executer of his estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An attorney at the XXXX XXXX XXXX here in XXXX FL said that you are 'wonderful ' and would help me with this problem. 
In XX/XX/XXXX, I settled all my bills completely, and moved to XXXX XXXX for 8 months. During this time, XXXX started sending me on-line bills for my now non-existent cell phone which had been closed. I had to get a lawyer to deal with them, and XXXX XXXX XXXX XXXX. of XXXX, PA.was able to stop the harassment. 
On XXXX XXXX, XXXX, a collection agency called ERC sent me a bill from XXXX for {$300.00}, stating that my balance with XXXX remained unpaid. 
I believe that this is a fraudulent claim and that XXXX and ERC are harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed both my checking and savings account on XX/XX/XXXX without giving reasonable notice. I called them a couple of times to try to reopen my account and ask for the reason. They said they were unable to do that and they would send me a check for my remaining balance. Then, they closed my credit card accounts on XX/XX/XXXX, once again without reasonable notice. I called their customer service and they said they were unable to provide the reason or reopen my accounts.

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