BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted an application for a Best Buy Credit credit card in-person during XXXX XXXX, to take advantage of sales being offered, on XX/XX/XXXX. 

I was informed by a letter dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX, from Best Buy Credit Credit Services that my credit card application was denied for the reason : * Too many credit bureau inquires it also identified Citibank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, as the creditor. 

I received a letter on today dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX from Best Buy Credit Services stating that : Dear XXXX XXXX XXXX, Why we 're writing you : Thank you for your recent credit card application. We would like to process your My Best Buy Visa, Platinum, My Best Buy Credit Card Preferred, and My Best Buy Visa Gold application, however, it is incomplete or a part of it is illegible. 

Here 's what you need to know To continue processing your application, please provide us with the requested information below : * The name you would like to appear on your card How to contact us Pleas take a few moments to contact us at the phone number listed below to provide the required information to complete the application processing. If we do not receive a response from you within 15 days of the date of this letter, we will be unable to give further consideration to your request for credit and will consider your application withdrawn and declined. 

Thank you for giving us the opportunity to be of service to you. We look forward to hearing from you soon. 

Sincerely, XXXX, Credit Review Phone : XXXX TDD/TTY -Hearing or Speech Impaired : XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX. ET NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the the basis of XXXX, XXXX, religion, XXXX XXXX, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. the federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX, XXXX. Washington DC XXXX. 

The creditor is Citibank, NA., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , SD XXXX. Please direct any questions to the return address on this letter. 

Time Is Limited, Please Contact Us Immediatley.

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 2021-04-06
Company: American First Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, my identity was used to fraudulently open an installment loan for the purchase of appliances at XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. 
The thief applied for the loan by phone and email through American First Finance and received approval for the loan amount of {$3300.00} from XXXX XXXX. 

The thief used an old address, old phone number, and was not asked to provide any ID to complete the purchase. The loan application and sales receipts don't even have addresses and phone numbers that match. 

I have disputed this account with American First Finance and I am being ignored by XXXX bank. XXXX tells me to deal with American First Finance because they are the loan servicer. 

I have filed reports with the FTC, XXXX, and local law enforcement but all attempts to remove this fraudulent account from my credit have failed. 

I have been deemed responsible for a debt that I did not initiate, authorize, or received goods for, all because these three companies did not confirm the identity of the person who opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under section 3513 ( d ) of the CARES Act, all student loan payments should not show up as deferred, but rather should be shown as if regularly scheduled payments are being made. Transunion is reporting deferred payments and is negatively impacting credit reports/scores, which goes directly against the CARES Act.

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 2019-02-10
Company: EQUIFAX, INC.
State: AL
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 sent Equifax my identity theft report and police report of the erroneous accounts. I never received a updated credit report. Nor was the items investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
So on all my credit reports knights adjustment breu is trying to collect a debt that was cleared from insurance through XXXX XXXX XXXX XXXX and has taken fund from me with notification to me and destroyed my credit and have several things that I have never seen before and don't owe this I believe my parents used ssn with out my knowledge and is effecting my life dramatically and I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive sent out 8 letters to LVNV Funding LLC, they never varified that I had debt and a signed contract. Ive only received one letter back and they sent me a statement from the original creditor. Thats not showing I owe them debt. In accordance to the law they can not do that and without proof I owe them and have an open contract with them they have to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: ALLY FINANCIAL 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:
There are several inquiries on my credit report from different companies. XXXX  XXXX XXXX especially. I have had an account with them since XXXX last year. someone is fraudulently trying to open accounts with my social security number. I have not had a reason to inquire about anything else since i got the account so i do not understand why there are several inquiries after the opening that are showing. XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX /XX/XX/XXXX/ XX/XX/XXXX / XX/XX/XXXX / XXXX XXXX XXXX all dates after the opening of my account that have been pulled for no reason. there are several for ally financial as well. this is absurd.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. ) I was applying to have my house refinanced, unfortunately I was denied. I was notified that the reason that I wasn't approved was due to the fact there was a Degregory account on my Experian Credit Report. One XX/XX/XXXX I requested all 3 of my credit reports, Experian listed an account that shouldn't have been reporting on my credit report which caused me so much mental aggress and embarrassment. The account that provoked my denial to refinance my house XXXX XXXX Acct # XXXX was on DELETED XX/XX/XXXX. I do have documentation to prove their horrible mistake. 
2. ) The names being reported on my file are completely inaccurate.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses damaging my file. 
1. ) XXXX XXXX XXXX # XXXX XXXX, TX, XXXX - ID # XXXX. 2. ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX - ID # XXXX ( I HAVE NEVER LIVED AT ADDRESSES LISTED. 
3. ) A major discrepancy my last 4 of my Social Security Number is showing XXXX. 
4. ) XXXX XXXX XXXX XXXX XXXX. I am authorizer on this account, and I need to be removed. 
ALL THIS INFORMATION THAT I JUST PROVIDED YOU IS COMING DIRECTLY FROM MY EXPERIAN 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2019-02-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After recently purchasing a new home in XX/XX/XXXX, my mortgage was sold to another company sometime in XX/XX/XXXX. According to my closing documents, my first payment to the original lienholder was set for XX/XX/XXXX. I submitted the payment XX/XX/XXXX via Bill Pay at my banking institution. I'd set up for automatic bill pay for the next payment as well, due XX/XX/XXXX. This payment was drafted out of my account on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from the new lienholder, RUSHMORE MORTGAGE of the change in Mortgage company 's. I never received a notice from the previous ( original ) Company, XXXX XXXX. However, the XXXX payment had already been drafted out of my account on XX/XX/XXXX. 

I immediately called Rushmore to advise them and seek guidance. I was told " Not to worry, this happens all the time, you are given a grace period to resolve these issues ... '' Therefore, I did not attempt to cancel the payment with my bank. After XX/XX/XXXX, I recieved a call from Rushmore stating I was going to be marked as late for XX/XX/XXXX 's payment. I again told the representative that I'd made the payment to the prior company, XXXX and no funds had been returned to my account. The representative advised me they would launch a search into the missing payment. 

I attempted to contact XXXX and was told they did not have my account and funds would be returned or forwarded to the new lienholder. 

On or around XX/XX/XXXX, I received a call from the Debt Collection Department of Rushmore stating if I didn't make a payment for XX/XX/XXXX, my XXXX payment would not be accepted. I set up auto pay through XXXX 's website in XXXX, immediately after receiving the notice from them. I AGAIN told the representative what happened and that I didn't just have the funds to make payments I'd already made. She advised my to fax in my bank statements verifying payment made, I complied. She also stated if I submitted the XXXX payment it would go towards XXXX and once the investigation into XXXX was complete the funds would go towards XXXX 's payment, making the loan due XX/XX/XXXX and on time. I did as instructed. 

On or around XX/XX/XXXX, I received another call from Rushmore stating I was still delinquent. I again faxed in my bank Statements from the XX/XX/XXXX and XX/XX/XXXX payments and the cashed Bill Pay checked I'd received from my bank. On XX/XX/XXXX, I received notification that a negative action was taken on my credit by Rushmore stating that I was more than 30 days late for a payment. I have not had a late payment on my credit in more than 200 payments. This negative was contradictory of what I was originally told by Rushmore and the grace period to " work these things out ''. When I made that original call, I had time to cancel the payment, however was advised not to. Please assist in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to dispute the debt on several occasion, and also attempted to get the information from the apartment complex which they do not have. I only owed one months Rent which was {$670.00} and they are trying to collect {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent 5 letters to TransUnion requesting to remove the security freeze from my credit report. I called on XX/XX/2020 and spoke to 2 different representatives who tried to remove the security freeze and they both said i had to speak to another department. I was on hold for 3 hours and 10 minutes and then TransUnion gave a message saying my call couldn't be answered and the call disconnected.

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 2019-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I applied and was approved for a Capital One credit card, up front fee I believe was {$95.00}. then I would get a {$200.00} credit limit. For nearly 18 months I have paid on time. 
There is a term which Capital One states if you make 5 monthly on time payments your will get a credit increase. I tried several times in XXXX to request a credit increase but was denied. I called Capital one and advised them of my attempts they stated I will not get a credit increase on this card. 
XX/XX/XXXX I made a formal complaint with Capital One and was correspondence with XXXX/XXXX   from their executive offices. I showed him examples of their own promotion and statements that if made 5 monthly payments on time will get credit increase on the exact same card I have. He advised me to send via a secure link through my email, I did. I called to confirm receipt, he states he never received the information through the secure link, I advised him I sent it over 2-3 times. He still insisted he never received the proof. Earlier in our conversation he states that offer is only given to " random '' people, the system picks those people, I will just have to " wait and see if the system picks me. '' After sending the proof of Capital One statement - make 5 monthly payments and get increase, I call him and he states he never received information. I asked to resend or email he stated, No he did no want me to resend. 

I sent in their offer showing their claims, they denied it even though it was in black and white. 
I offered to resend, they refused to accept my correspondences showing proof they made this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: CHECK INTO CASH INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a prepaid visa from Check Into Cash ( aka XXXX XXXX XXXX ) they sold me a card for {$6.00} and it was due to expire in 45 days. I was told they were going to send me a card with my name on it, twice. After not receiving the cards and my transactions being declined at a charge for declining it was determined the lady that sold me the card put in the wrong zip code. I asked they resend a card since I never rec 'd the personalized card in the mail. I never rec 'd any cards in the mail. I went to the store, Check Into Cash in XXXX CA and asked that they give me a new unexpired card, transfer my funds since the card was expired and I could no longer have access to my money. I also loaded {$500.00} cash onto what was supposed to be the new card. The lady took my card and loaded it on an expired card and tried to send me on my way. When I asked why she would do that she said I would have to purchase a new card and call and have the money transfered. I told her I wanted my cash back and I WAS NOT going to pay for a new card when I was promised a personalized card in the mail. I have no access now to view any transactions, and my funds are disappearing. I can not log in and everytime I call the XXXX # and push option 2 for english I get hung up on. I am out over {$580.00} and I can not get answers to where my money went. Also, while I was in trying to get this all sorted out, every person that walked in had the same complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one new collection account showed up on my credit report, an alleged collection name PHOENIX FINANCIAL SERVICES, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from the 3 BUREUAS CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
I spend well over {$50000.00} on my card each year and dispute few charges on my card. I always pay my card balance in full.On XX/XX/2018, I called JP Morgan to dispute as fraud two charges on my credit card in the amounts of {$250.00} and {$98.00}. The call was recorded and notes were made on my account. The representative told me that I could deduct those amounts from my card while the fraud was investigated. 

When I received my new bill on XX/XX/XXXX, the charges were NOT put into dispute and I was charged interest of {$8.00}. 

When I called JP Morgan to advise them of this error, they confirmed my earlier call and confirmed the charges should have been put into dispute but were not. When I tried to put them into dispute once more, they refused to do so because that department was " closed ''. I want to complain that JP Morgan is ignoring XXXX XXXX and is refusing to accept my fraud complaint. The representative, although admitting a mistake by JP Morgan, was unable to refund the interest charges. When I suggested I would contact the CFPB to resolve this the agent appeared not to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw that Portfolio recovery associates was reporting a debt to my credit file.The account is listed as a XXXX XXXX account. On XX/XX/2017 I sent a certified letter with return receipt. I still have not received anything from them validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XXXX I started out with a credit line of {$5000.00} on a Wells Fargo Bank credit card. I used it and after paying the balance down to almost half around XX/XX/XXXX Wells Fargo reduced my credit line from to {$2400.00}. I called them to request that it be restored and was told by a representative that I had missed a payment in XX/XX/XXXX as the reason for the reduction. It was an oversight and actually the payment was about 45 days late when I paid it in full. The bank refused to restore my credit line. By the end of XXXX I paid the balance down to about {$1100.00} and on XX/XX/XXXX Wells Fargo reduced my credit line down to {$950.00}. Each time they reduced my credit line my utilization percent went up and therefore hurt my credit score. None of my other creditors have done this. 
How can a consumer be protected from this?

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