BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to Home Depot for a credit card to finance wall to wall carpeting.  This credit card offers interest free financing and $XXXX credit toward the purchase.  I already paid the measuring fee of $XXXX.     Before the purchase was complete I was advised that I had been declined for the credit card.  No reason for the denial was given.  I later received a letter from Home Depot Credit Services citing the reason for denial as “History of delinquent credit obligations”. I was referred to XXXX  for information on which Home Depot relied for this denial. I did not receive any adverse action notices.     I reviewed the credit report from XXXX and my record is absolutely clean.  All accounts I have open are in good standing with no delinquencies reported.  Four years ago I was forced to file bankruptcy, and even then I paid my credit cards up to the filing date so there were no delinquencies.  I have worked hard to re-establish my credit and now have a Good credit rating.        Under ECOA, it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of credit.  I am a female senior citizen with a veteran spouse.  Denying credit for a blatantly false reason is unlawful and discriminatory.  There was no reason for this denial and Home Depot’s callus disregard for the facts of my credit has now gained me a credit inquiry to damage my credit further.  To deny me credit was reckless and a willful disregard for the truth. It was unwarranted and their decision should be reversed.  In their response I ask that they file only a truthful statement and that they refrain from adding any additional requirements or reasons for the credit denial.     And finally, I respectfully request they stop the Robocalls to my home everyday telling me to complete my carpeting purpose.  This is completely negligent on their part in not maintaining a check and balance against purchase/credit transactions.     This case has been referred to CFPB because they stop unfair, deceptive and/or fraudulent business practices.

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 2021-04-29
Company: Experian Information Solutions Inc.
State: AZ
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:
Sent in a dispute letter over 45 days ago to the bureaus for unverified, erroneous accounts. I have yet to receive any validation from the bureau nor creditor of validation of accounts. I demand according to the FCRA these unverified accounts be deleted from 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 2021-04-29
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi STEVENS BUSINESS SERVICE ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Enclosed you will a complaint against Chase Freedom card who closed my account without notice during this pandemic. I am a XXXX XXXX veteran. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. I graduated from the XXXX XXXX XXXX XXXX in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, XXXX. 

Amazingly, I XXXX twice in XXXX years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX   XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX and the XXXX XXXX. 

For the last two year, I have worked in XXXX with XXXX with XXXX. Last I saw physically was I have a credit due to me in the amount of about XXXX dollars on this account. Will you tolerate them closing my account during this time period. I recall using this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to withdraw {$200.00} from my Chase checking account. I presented two forms of identification. I lost my debut card and reported it two weeks ago and still have no replacement ard from Chase. The teller was taking exceptionally long, and I asked why she was taking so long. There was no explanation. I asked her to expedite the transaction and she then refused to process it and referred me to another teller. The other teller replied " I'm going to take just as long as she did ''. At that point, I asked to speak to the manager. She was an XXXX American woman. I explained that I was there for over 10 minutes at the teller window and asked why is it taking so long. She refused to process my transaction and instructed the tellers not to process it. She was rude, discourteous, incompetent and u professional. The bank rejected my transaction simply because of the employees ' outlandish unprofessionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account online with XXXX XXXX XXXX on XX/XX/XXXX. Per the terms and conditions of the promotional offer that I received, a bonus of {$300.00} was supposed to be paid after enrolling in online statements and using the debit card for five purchases by XX/XX/XXXX. The bonus was supposed to be paid by XX/XX/XXXX after all criteria were met. I completed these tasks 0n XX/XX/XXXX, but after the bonus did not post, I called the company today, XX/XX/XXXX. After speaking with XXXX XXXX in the 'phone loan ' department at XXXX XXXX, XXXX XXXX AND XXXX XXXX, he informed me that the company would not honor the bonus, despite me fulfilling all of the criteria for the promotional offer to be paid. Additionally, even though the terms of the promotional offer CLEARLY state that the limit is " Limit of one new consumer checking-account-related bonus per household per calendar year. ", and admitting that I had not received any form of bonus yet in the calendar XX/XX/XXXX year, he said that the bonus is supposed to be on a rolling year basis. Per XXXX dictionary, one calendar year is 'the period of 365 days ( or 366 days in leap years ) starting from XX/XX/XXXX, used for reckoning time in ordinary affairs. ' This is absolutely unacceptable. This is false advertising and intentionally deceptive on the part of the bank, and the bank is going back on promises and not paying promotional offers that customers are rightly due, because they believe that customers will simply forget. This is very unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion and XXXX are fraudulent on my account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX 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 2020-09-05
Company: Bread Financial Holdings, Inc.
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: Information belongs to someone else

Complaint:
Im the process of purchasing my first home and during the credit check they found an account that was open that I dont own. The account title is CCBXXXX. It says that someone has been paying a credit of XXXX by making payments that are XXXX per month, however I never opened or payed that credit account and Im unable to find a phone number for that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is inaccurately reporting information on my credit report. I filed a Dispute with XXXX XXXX XXXX  and they sent me a letter acknowledging that they dont have any account information but Experian has failed to delete the account and they updated it to a charge off- which is heavily affecting my credit

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 2018-10-03
Company: NCC Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( NCC BUSINESS SVCS INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$9400.00} and {$8300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Jormandy, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX XXXX XXXX years ago. When attending I was young and unaware of the paperwork I was signing. I had no copies of my paperwork or student file! After further investigation this year of paperwork finally provided by the school, this month. The school is saying I never did an exit interview. I never received it! On the alleged exit interview paperwork it says I received a : 1. XXXX XXXX XXXX XXXX for XXXX 2. XXXX XXXX XXXX XXXX for XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX loan for XXXX Loan # 3 is what Im challenging. This loan was fronted by the school and paid for by the school. I was responsible for paying the school back once I dropped out of the program because they paid the loan for me. The school is now saying I owe them {$14000.00} through a 3rd party collector Jormandy. There is fraudulent activity going on. I was never told of XXXX when enrolling. I was told by XXXX that I was enrolling into a HELP loan program that was provided by the school. I NEVER signed nor did I ever agree to a loan with XXXX. XXXX was just found guilty of defrauding XXXX XXXX XXXX in 2018 for the same exact situation. I believe these charges are fraudulent and I want the school to be held accountable. They have harassed me for years for this money. I want all the money I paid to this fraudulent loan returned. I tried to uphold and clear a debt a I thought I owed. However, after looking into the situation deeper this isnt my debt! It wasnt made clear to me. They took advantage of my situation and they took money from me for profit..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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:
On XXXX XXXX a dispute was filed with Experian to remove fraudulent information on my credit report, they refused to remove the incorrect information even after I provided all the documents, police reports to affidavits. I submitted more disputes XXXX XXXX XXXX and again XXXX, all times I was denied by Experian to remove the {$5400.00} charge from XXXX XXXX XXXXXXXX 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 2021-04-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So I first opened my account with TD bank I believe it was back in XXXX of 2020 now I was new to this account and im used to banks like XXXX where you cant over draft well around this time I was making small purchases to avoid overdrafting also didnt know that purchases dont get posted on sunday. I also had an issure paying my car payment at the time so I used my account and routing number to pay it because my debit has never worked from some reason. well XXXX I was paying it agian techanlly the account and routing number way went through take XXXX dollars out of my account and I made small purchases not know it was already paid. they overdrafted me XXXX dollars back in XXXX and at the time I learned from one of there associates that the an option in the app where you can turn offsome thing meaning when you at XXXX ull have no money so I didnt know about this unjtill later being a new customer with TD So I proceeded to so so I wouldnt have any more issues. now for ssome reason that option is enable again and Im over drafting like crazy again and TD just doesnt want to work with me on giving it back. Understand I havent receive one payment from unemployment since XXXX wich has cause me to live out of my car for four month with my dog and I also have crdit cards to pay that I cant and I might lose. just the other day they finlly towed my car reposessed because I was behind on my payment three months. now I dont have a home and my dog and I are now living in the streets so I need whatever I can get when it comes to money. Td has helped me on ike one or two in XXXX  but the ones in XXXX are more rediculous then any of then and I dont understand why they wont help me with the impotant ones plz help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  and XXXX have addresses that aren't mine wrong dates accounts still open wrong balances Experian has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says

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 2021-10-04
Company: EQUIFAX, INC.
State: UT
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:
My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: ACRE MORTGAGE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
MY CLIENTS XXXX XXXX XXXX XXXX XXXX XXXX All of my clients have requested to close out there loan request and have there appraisals moved to another mortgage company. Acre Mortgage is the most unprofessional and mortgage company I have ever reffered my clients too. They miss mortgage commitment after commitment. They miss settlement date after settlement date if you think Im lying just check there reviews. They even threatened one of my clients with bogus fees if they left there company. Now they are refusing to transfer the FHA appraisals which is tying up my clients from moving forward with there settlements! 

There has to be something you can do to help my clients!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I visited the ER on XX/XX/2020 due to XXXX XXXX complications. I gave the hospital my insurance information. On XX/XX/XXXX, The hospital called me to let me know that I was infected with XXXX XXXX. I never received any bill or statement stating that I will have to pay out of pocket for something that my insurance should have covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX, I responded to a Bank of America offer which promised it would deposit {$100.00} in my checking account if I opened the account before XX/XX/XXXX and made two direct deposits of at least {$250.00} within 90 days of opening the account. 

In reliance on that offer, I opened the account via Bank of America 's website and notified my employer ( the XXXX XXXX XXXX ) to pay me by direct deposit into my Bank of America account. On XX/XX/XXXX, my employer made a direct deposit of {$2100.00}. In XX/XX/XXXX, my employer made a second direct deposit of {$2400.00}. Ive attached a screenshot of my bank account information showing the two direct deposits. 

After waiting nearly two months, I called Bank of America on XX/XX/XXXX and asked why I hadn't received the {$100.00} I was promised. At first, I was told the funds would be deposited on XX/XX/XXXX. The Bank of America representative claimed the offer was conditioned on an initial 90-day verification period, plus another 60 days to receive the {$100.00}, for a total of five months. 
When I told the representative the offer said nothing about a 5-month minimum waiting period to receive the bonus ( the offer said {$100.00} would be deposited within 60 days of the second deposit ), I asked her to send me a written explanation, which she would not provide. She said I could make a claim with Bank of America if I hadn't received the {$100.00} by XX/XX/XXXX. When I told her I would like to make a claim now, she put me on hold for several minutes, then said my direct deposits didn't qualify, so I wouldn't be receiving the {$100.00}. 
When I asked her why, she changed her answer again and said the {$100.00} was only available to customers who made direct deposits every single month. Again, I explained that both direct deposits were from my employer and were paychecks. She just repeated I wasn't eligible for the bonus, contrary to what shed said a few minutes earlier about it being deposited by XX/XX/XXXX. It appears I was punished for wanting to make a claim. 
Including being put on hold five separate times, it took nearly an hour for this futile phone call, in which Bank of America refused to honor, and even tried to retroactively change the terms of, its 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 monetary relief