BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: CITIBANK, N.A.
State: TX
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:
I contacted Citibank credit cards about my Citi Prestige credit card in XX/XX/XXXX. I wanted to cancel my card due to the high annual fee but they offered me a retention promotion. 

They said several times I needed to spend {$4000.00} in 3 months by XX/XX/XXXX and I even gave the representative from the retention department an example where I said if I spend {$4000.00} tomorrow Ill qualify and she said yes, as long as its after today. 

After several billing cycles I noticed there was no credit so I reached out to the customer service via Citi mobile app on XXXX occasions. The first time, they told me the details of the promotion in writing, again not mentioning that it was PER MONTH. I followed up and got no response at all. 

After this I contacted them again and they told me I already received it when it was an unrelated offer regarding points and not the statement credit. 

Finally, I contacted them a third time and they said to call them but the department was closed. 

I dont know if Citi is systematically lying or it was this one representative but there might be some grounds for a class action lawsuit or something of that nature since Ive had to contact them on 7 occasions now and the issue seems purposefully misleading and unreasonably difficult. There may be thousands of people experiencing this. 

Im on the phone now and they are telling me since I didnt meet the requirements they cant credit me. This is unbelievable, I thought by manually contacting the department in charge I would be able to get it in the end. I kept this card account open and spent over {$11000.00} more due to deception

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 2022-04-02
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a leased vehicle with Ally Finances. I received a notifier a couple of weeks ago showing that my credit score has dropped by XXXX points. I check to see what was the issue and found out that alloy basically reported that I was not making car payments. I called Ally only to be in form that the car that my ex-wife has hasnt been paid on and a Extension had been added to the vehicle. So I asked him why wasnt I notified that the car payment was late and about the extension. He stated that they notified me. I requested all of the contact information they had which was all wrong my address was wrong the email address on file was wrong and also the telephone number was wrong. They also informed me that a extension had been accepted for the vehicle payments which I did not Request or Give consent to. They informed me That I would be responsible for the extension payment of 500+dollars. I explained to them that I dont see how I would be XXXX responsible for something that I didnt request nor did I give consent to nor was I contacted. Upon a father conversation with them I found out that they allow an unauthorized person to change all the contact information associated with my account and also allowed them to make unauthorized decisions on my account. So I explain to them that all of the contact information they had was wrong I was told two different stories the first customer service rep told me that no one could make changes to my account unless they have the account number and I told him no had access to the loan info because it locked in my truck. The customer service supervisor told me that someone could make changes to my account if they know the last four numbers of my social my name and address or just the account number. They had been sending the bill statement to the wrong address with the account number on it. So I was told two different stories. To make a long story short they expect me to pay all these fees that I didnt authorize.

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 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, I am writing again because I need to be clear on this issue. As you already aware, I had placed many complaints against Bank Of America trying to take my home. I placed a complaint Last month XXXX and I see that CFPB closed my complaint. Why did you close my complaint allowing the BOA to have their way? On the response from BOA on my last complaint, they stated that on XXXX per dept of justice they sent out a program for me to save the house. I can clearly and truthfully state that this BANK did NOT do such thing. It is the same behavior pattern as before. LIES. How can they just get away treating customers like this? They get caught and fined a hefty amount as punishment and still go around with these lies. We need to get to the root of the problem. I want all copies of letters sent to me on XXXX like they mentioned. I want the BANK to submit to CFPB of all the letters I sent since XXXX of my issues. Lets get to the bottom of this please. We shall see who is lying. Let Bank Of America take me in front of court under oath. Once again, I have been crying for help since XXXX. And this month they will take my home away. 
I DO NOT WANT TO LOSE MY HOME. MY SON 'S HOME ... XXXX 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Olde City Financial Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our non-profit organization was abused and harassed by XXXX XXXX, Olde City Financial. The company collecting the debt switched collection agencies to a collections attorney. We settled the debt with the attorney for {$25000.00} one year ago. We send payments each month to the attorney and have paid {$14000.00} to date. 

Three months ago, I started receiving undated collection notices from Olde City Financial stating they receive our payment and requesting payments ranging from {$35000.00} to {$38000.00}. 

Please make them stop. I don't want to contact them for fear the long, abusive phone messages will start again ( I saved them ),  emails, calls after hours, calls to my work, etc. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I am writing today because I have had all of my major bank accounts closed. It started back in 2015. I had a XXXX XXXX  account & it was closed because I was unable to pay back {$200.00} that had gotten direct debited from my account. So, that account was closed and I still had an account with XXXX XXXX XXXX account, XXXX XXXX and BB & T. I was notified in the mail that those accounts would be closing as well & advised to have my direct deposit set up else where. I am a victim of Identity Thief. Someone at my dentist office stole my identity some how and I was sent an letter in the mail explaining. I also received a phone call from my dentist office explaining that I may need to put a lock on all credit. But, by this time it was already to late. I am XXXX XXXX XXXX & having a hard time with opening bank accounts because of something that someone else did to me. This is unfair and I am with hopes that I may be able to be helped. I have tried calling corporate and explaining to them my issue. I want this to be resolved even if Im allowed to open up an account with restrictions for a while they monitor my account. I just dont think I should have to deal with this because my identity was stolen.

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 2017-10-25
Company: SECURITY FINANCE CORP
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

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 2017-10-07
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS - Specialized Loan Servicing We have varied " to bring our loan current statements ''. 
The amount goes up and down for no apparent reason. 

Statement on XXXX is {$250000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached Statement on XXXX is {$240000.00} with past due amt {$230000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached These variations are completely unreasonable, without any explanation. and make no sense. This is most unfair to us. We have not received an itemized charge sheet as we requested in a qwr in XXXX XXXX. We get the run around when we try to talk to anyone about this. I am sending this complaint and will follow up with a lawsuit. How can we bring our arrears current? This is beyond unfair to consumers!

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent TransUnion a letter asking that they verify an account on my report and remove inquiries that do not belong to me. I asked that they give physical proof to verify that the accounts belong to me. I also explained that there were unauthorized inquiries on my account as well and they have not responded with proper documentation. On XX/XX/2022 and XX/XX/2022, contacted them about unauthorized inquiries and the company has failed to do so without valid documentation or proof that the accounts belong to me. These are faulty credit reporting practices and I feel this is abuse to me as a consumer. The company will not give any documentation but insists on reporting incomplete and inaccurate information on my behalf.

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 2022-04-02
Company: EQUIFAX, INC.
State: LA
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've previously disputed these accounts but can still be seen from my credit report. You even failed to verify those.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: FC HoldCo LLC
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

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 2020-04-25
Company: CARS Acquisition, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The loan is not mine and Ive already reported to the company of such information in 2019. The account belongs to someone else. My information was wrongfully used. The company Car financial services is still reporting to all three credit bureaus that I have an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Ocwen Financial Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am a victim of fraudulent credit activity, my identity has been used without my consent to obtain goods or services .I have owned a XXXX XXXX XXXX 17 years and disgruntled employees have submitted my name or used my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had someone call me saying they were XXXX XXXX saying my account balance was past due and my services will be shut off. Then they said I had a glitch on my account that showed {$900.00} was past due. I needed to send different increments of money and they system would recognize that it was paid and then it would automatically reimburse me. The phone number the guy was using is ( XXXX ) XXXX, from XXXX, MI. I have reported this to my bank and they are making a dispute, but said it's not likely that I will get my money back. I sent a total of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Golden 1 Credit union performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all 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 2019-10-10
Company: GREAT LAKES
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 am writing this due to the non-compliance with the CRA XXXX. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Account XXXX XXXX has 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 a account without my written instructions.

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 2021-05-13
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems is stating that i have a debt of {$760.00} from a past XXXX bill. I do not remember opening this account if i did the amount stated is incorrect. I want to request a copy of my signed original contract, Please Validate And delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A representative of XXXX XXXX ( TCN ) told me that XXXX will provide me with {$8200.00} for XXXX XXXX XXXX to XXXX XXXX bridge Program. The amount in question was never paid to me but XXXX upon this promise started withdrawing {$180.00} monthly from my bank account for 18 months for a total of {$3200.00}. Through the 18 months period, XXXX only paid a total of {$220.00} for only one test on my behalf for just one test. However I withdrew from the program because I realized the School was not accredited therefore will not help me pass the XXXX XXXX degree. Subsequently, I got calls from collection agent by name XXXX XXXX XXXX XXXX on behalf of XXXX to pay the balance of {$4100.00} and I refused so they took me to Court. On the day of the hearing I was in the Court but XXXX XXXX XXXX XXXX did not show up so the Judge dismissed the case. XXXX XXXX XXXX went ahead and sued me for the second time. I was represented in the court again for the hearing but before the Judge will release her verdict, XXXX XXXX XXXX XXXX withdrew with a motion of " non suit ''. ( see copy of Court Order ). 
During this time I file petition against XXXX through office Indiana Attorney General Office against XXXX. Following the Attorney general inquiry, XXXX agreed to ( 1 ) give me credit for the {$3200.00} it withdrew from my bank account. ( 2 ) XXXX instructed XXXX XXXX XXXX to stop their collection activities from me ( see copy of release agreement from XXXX ). 
After I thought that the problem was resolved, I started receiving collection calls from another collection agent by name Lockhart, Morris , & Montgomery Inc. for the same case. I wrote a letter dated XXXX XXXX, 2014 ( see copy ) to Lockhart, Morris & Montgomery on all that transpired on the matter and told them to refrain from contacting me but they did not stop rather they put the said amount into my credit record since 2014 as a negative credit report. I have called the collection agent to remove the {$4100.00} negative report from my credit history and record still they refused and that is the reason I am petition against them through you to help release me from the stronghold of this collection agent by compelling them to remove this negative report from my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This institution ( Huntington Bank XXXX has had trouble processing our loan payments since fall 2021. They acquired this mortgage as part of a merger/account taken over from TCF bank XXXX Up until that point the payments had been made on time without difficulty. Shortly after Huntington 's involvement, our payments began being processed and then returned as unpaid. I have spoken with them on at least 4 occasions trying to figure this out, resubmitting payments, etc. We have the money to pay our payments, in fact the loan is almost paid off and we could do that, too -- if they could process our payments. At one point I spoke to someone from Huntington on the phone and they were able to process 3 past-due payments that were NOT subsequently returned, so I know it is possible. But then when I made the payment for the next month, it was again returned and they began calling wanting to know when we were going to pay. 
In the meantime, Huntington Bank has reported the late payments to credit reporting agencies which has had a significant negative impact on both of our credit scores, which were over 800 prior to our forced involvement with Huntington Bank.

Company response to consumer: Closed with non-monetary relief