BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: CITIBANK, N.A.
State: KS
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: Card was charged for something you did not purchase with the card

Complaint:
My Citi XXXX XXXX  Card statement showed a charge dated XX/XX/05 from XXXX XXXX GA for {$6500.00} which I did not recognize and had not authorized. On XX/XX/XXXX I disputed the charge. Citi immediately closed my card and issued a new one. I was not provided any information about the status of the dispute until I received a letter dated XX/XX/XXXX, stating that the dispute had been closed for insufficient information. They said that they had previously reached out to me for information, which was untrue. I sent them a letter on XX/XX/XXXX asking when my account would be credited, but have not received a reply. The disputed charge is still included in my current statement, plus interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off the account with IC systems on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Discovered via brief review of my credit, that a " derogatory account '' appeared on my XXXX Credit Report. The collection firm, " Commonwealth Financial Systems '' displayed {$630.00} medical debt. CFS 's ph. # XXXX and address, XXXX XXXX XXXX XXXX XXXX, PA. XXXX. Immediately I called CFS, spoke with XXXX XXXX and he confirmed debt was from XX/XX/XXXX. A medical debt with an Emergency Room in XXXX. XXXX said he had no further details and quickly added CFS is willing to accept 35 % of for {$410.00} to close the debt. I expressed my concern for not know of this debt nor who they were. I do not recall any calls or letter ( s ) referring to this old debt. I suggested XXXX  do more research and I will do so as well.

XX/XX/XXXX : I contacted XXXX XXXX Hospital, XXXX, Fl. They directed me to XXXX billing. XXXX confirmed I was admitted to the Emergency Room on XX/XX/XXXX, treated and released on XX/XX/XXXX. XXXX confirmed I paid my XXXX {$150.00} co-pay and XXXX paid the remaining balance, {$3200.00}. XXXX suggested I call XXXX for more billing details.

I called XXXX, spoke with XXXX, ( Employee # XXXX ). XXXX   hoped to have a response within one week.

XX/XX/XXXX : XXXX, XXXX, left voice message confirming I paid the {$150.00} Co-pay and has requested archive documents. She also attempted to contact CFS to inform I had Health Insurance in XXXX  but she was unable to reach them.

XX/XX/XXXX I received voice message from XXXX  she needed my approval to Fax selected health records to CFS to display I had Health Coverage.

XX/XX/XXXX XXXX, XXXX, left V message she faxed my E.O.B., ( Explanation of Benefits Payments ), to XXXX XXXX, ( CFS Mgr. ). EOB was itemized with 21 payments totaling {$3200.00} dated XX/XX/XXXX & XX/XX/XXXX. XXXX spoke with XXXX  who stated debt will be removed upon receipt of the EOB..

XX/XX/XXXX I spoke with CFS 's Mgr. XXXX XXXX. He confirmed receipt of the EOB but it now had to be reviewed by another team. He said it should a few days.

XX/XX/XXXX I called CFS asking for XXXX. Spoke with XXXX who stated the review will take a few more days. I expressed my frustration as CFS had the EOB document, full payment confirmation, for more than 10 days. " Please have XXXX  call me ASAP.

XX/XX/XXXX : At this juncture I question if CFS is now operating outside the parameters of the law. 1 ) State of Florida could not confirm CFS 's appropriate licensing. 2 ) It may be considered " Fear tactics '' adding a debt to a consumer 's credit report without confirming contact with the consumer first. 3. ) Now having documented proof of the EOB, direct from the Health Insurance Co, in their hands for over 10 days why has there been further delay to declare this debt paid? This may be considered " harassment ''.

CFPB, Please assist me to resolve this 5 year old issue. I do not know what more I can do..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, returning XX/XX/XXXX, and XXXX in XX/XX/XXXX. I applied for my SCRA benefits with USAA each time. The company did not apply the required 6 % interest rate to my account. They have not back dated the error sin XX/XX/XXXX. 

I have been charged XXXX in excessive interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies. 

XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XX/XX/XXXX) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for  disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXXXX/XX/XXXX) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court. 

Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt. 

Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-08-09
Company: EQUIFAX, INC.
State: TX
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:
In accordance with * XXXX XXXX XXXX, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX XXXX XXXX, ACCOUNT # XXXX * XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2018-09-28
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Citibank savings and checking account package that included a promotion : Deposit {$15000.00} and receive a {$400.00} bonus, however I have not yet received this bonus. ( Promotion code : XXXX ) The promotion terms were as follows : - Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account - Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days ( a minimum of {$1500.00} must be in the checking account ). 
- Bonus will post within 90 days from the date you complete all of the requirements - Not eligible if youve been an owner of a a Citibank checking or savings account within the last 180 calendar days I was a new Citibank customer. I opened the account on XX/XX/2018, and deposited a total of {$15000.00} to the accounts on the same day ( {$13000.00} in the savings account, and {$1500.00} in the checking ). I maintained that balance for the required 60 days. I then waited the full 90 day period that the bonuses should have posted within. The full 150 day period ended on XX/XX/2018.

I contacted Citibank on XX/XX/2018 to inquire about the status of the bonus. The customer service representative acknowledged that I was indeed eligible for the bonus, and that I had met all requirements. I was told that a request was submitted to have the bonus credited to my account, and that I would receive it within 2 business days ( case number : XXXX ). I contacted Citibank again on XX/XX/XXXX when the bonus was still not posted to the account, and I was told that the request was still pending. It's now XX/XX/XXXX, and still no bonus. 

I would not be as impatient if I had otherwise had a good experience thus far with Citibank, however they have already performed some shady actions such as unlinking my linked checking/savings account in order to charge me fees for combined balances falling below the minimum. Also, after researching, it appears many other customers have had an issue with Citi not paying promotional bonuses unless contacted by the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
It is important that the CFPB review and post this complaint as a matter of public interest. On XX/XX/2018, The Second District Court of Appeals of Florida issue a decision of great public importance regarding the enforceability to a HELOC note in the State of Florida. The second District Court of Appeals came to the same conclusion as to the Fifth DCA Court of appeals and held THAT A LINE OF CREDIT ( HELOC ) WAS A NONNEGOTIABLE INSTRUMENT BECAUSE IT WAS NOT FOR A FIXED SUM. THE HELOC NOTE FALS TO REQUIRE THE PAYMENT OF A FIXED AMOUNT OF MONEY, MAKING IT NONNEGOTIABLE INSTRUMENT. AS SUCH, IT WAS NOT SELF-AUTHENTICATING. THE HELOC NOTE IS NOT A SELF-AUTHENTICATING NEGOTIABLE INSTRUMENT. BY ITS OWN TERMS, THE NOTE ESTABLISHES A CREDIT LIMIT OF UP TO XXXX FROM WHICH WE COULD REQUEST IN ADVANCE AT ANY TIME. FURTHER, THE NOTE PROVIDES THAT ALL ADVANCES AND OTHER OBLIGATIONS WILL REDUCE YOUR AVAILABLE CREDIT. THE HELOC NOTE WAS NOT AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. WITH OR WITHOUT INTEREST OR OTHER CHARGES DESCRIBED IN THE PROMISE OR ORDER. THE DISTINCTION IS NOT ESOTERIC LEGALESE. FLORIDA LAW IS CLEAR THAT A NEGOTIABLE INSTRUMENT IS AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. 673.1041 ( 1 ), FLA. STAT. ( 2012 ). IN XXXX XXXX XXXX V. XXXX XXXX XXXX SECOND DISTRICT FLORIDA COURT OF APPEALS, THE APPELLANT ARGUED BEFORE THE COURT THAT THE ENDORSEMENT ON THE NOTE WOULD MAKE THE NOTE NEGOTIABLE AND THEREFORE ENFORCEABLE. THE COURT OF APPEALS HELD THAT EVEN WITH ENDORSEMENT PLACED ON THE HELOC, THE INSTRUMENT IS NONNEGOTIABLE BY ITS OWN TERMS. IT IS NOT A FIXED AMOUNT TO PAY A SUM OF MONEY, RATHER IT ESTABLISHED THE MAXIMUM AMOUNT OF BORROWING POWER EXTENDED TO A BORROWER BY A LENDER, TO BE DRAWN UPON BY BORROWER AS NEEDED. SEE LINE OF CREDIT BLACK LAW DICTIONARY, 949 ( 8TH ED. 1999 ). AT THIS JUNCTURE WE ARE GOING TO FILE AN INDEPENDENT LAW SUIT AGAINST BB & T BANK FOR ENFORCING THE TERMS OF A HELOC NOTE WHERE IN THE STATE OF FLORIDA THE INSTRUMENT IS NONNEGOTIABLE.

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 2022-11-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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:
Over and over I contacted Equifax in regards to inaccurate information that was reported on my credit report which only led to months of frustrating phone conversing and weeks of faxing personal documents which only lead to further frustration

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
checking my credit report I am interested in disputing all incorrect information on my credit with transunion. all data is supposed to be 100 % accurate an is hindering my file for approvals. please update all information requested.

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 2018-09-28
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
someone with the name given, " XXXX id # XXXX with GM financial, '' claims over the phone that I owe a large sum of money to GM Financial. I have been hung up on by these people several times. I repeatedly request written correspondence via us mail ( a Bill or Statement etc. ) that I may have an opportunity to examine them and take the necessary steps to resolve the issue. Not once has anyone sent anything or provided any documentation to me whatsoever though their reporting to the 3 major consumer reporting agencies has tainted my credit and drastically lowered my score. I had been in the process of pre-qualifying for a VA home loan and now, I am told I can not due to the now very low credit rating. My family life and professional life has been halted completely and I require resolution / remedy. If a person or corporate entity claims I owe them something, they must then present their claim in writing, affording me the opportunity to resolve the matter. They refuse to offer or present any remedy therefore this case is dismissed, account closed, all reporting from GM financial to the major consumer reporting agencies, ie XXXX, XXXX, XXXX, need to be dissolved and completely removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My monthly payments to XXXX XXXX XXXX are {$230.00}. I can not find full time work in my field so I work XXXX only making about {$15000.00} a year. My rent is {$600.00} a month. My car payments are {$210.00} a month. My car insurance ( required by MA ) is {$240.00} a month. Utilities amount to about {$200.00} a month. As I have sent all of this information to my servicer, but they have told me I can not lower my payments or go on an income based payment plan. They will not cancel direct debit, meaning it is difficult to make rent. I can not afford to pursue a higher degree because my debt is too high to get another loan, meaning I can not get a better higher paying job. I have sent XXXX my documents and information as it relates to trying to lower my payments but I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: SC
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 sent a certified dispute to Equifax and it was received on XX/XX/2018. I called to do a follow up on XX/XX/18 and I was told that they didn't receive a dispute from me. I told them that I had a copy of the return receipt. I have reported them to the XXXX in XXXX GA. I have called Equifax several times to get this matter resolve, but they keep giving me the run around. I sent them a letter and told them I would sue them. Still they haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX in XXXX XXXX, Ca., Rushmore Loan Management Services in XXXX , Ca., XXXX XXXX , XXXX, and XXXX XXXX, XXXX  are trying to foreclose on my home in XXXX XXXX when none of the companies listed above is licensed to do business in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my brother 's home at XXXX XXXX XXXX XXXX XXXX, Florida suffered {$13000.00} damage during a storm which his insurance company paid by check, which he sent to his mortgage company, State Bridge Mortgage for their endorsement.

On XX/XX/XXXX my brother XXXX   XXXX  suddenly died and I was named the personal representative of his estate in XXXX. Sense that time I have been trying to recover those funds, first to make the needed repairs so that the house could be sold but State Bridge made it so difficult to access the money that I ended up selling the place " AS IS '' to an investor on XX/XX/XXXX.

The problem now is State Bridge has not returned the money even though the mortgage has been satisfied and each time I've contacted them I'm given a different reason by a different person for the funds not being returned. I've attached documents to support my request for help in resolving this matter.

Company response to consumer: Closed with explanation