BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
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:
When I bought airline tickets on the XXXX XXXX website they offered me an XXXX XXXX AAdvantage Platinum  Select Citi Master Card with an offer of a {$200.00} credit and 40,000 miles after purchasing {$2000.00} in 3 months. The initial purchase date was XX/XX/2019 for {$260.00}. Citi Cards is not honoring the credit or the miles because I have the XXXX XXXX   XXXX card, which is apparently a Citi card as well. Citi says it was in the details, bot still approved me and left me expecting the credit and miles. 

This is a bait and switch and is unethical.

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 2018-02-11
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've tried to get accurate information about this student loan debt since XX/XX/2017. Everyone ( all 3 credit bureaus & XXXX ) keep giving me the run around with no offically signatures from me connecting me to almost {$14000.00} in alleged student loan debt. Finally, after requesting this information several times ; XXXX sent me a packet with several pages of computerised signatures ( which I did no such thing over the internet in reguards to any federal student loans ). Connecting me to this alleged debt. The credit bureau ( XXXX  ) states no original documents were given to them with my original signature connecting me to any student loan debt yet the information in there system is accurate due to confirmation of my social security number, address, DOB and name?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Mas Financial Services is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, Mas Financial is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also MAS FINANCIAL is in violation of privacy act 1974, I didnt give MAS FINANCIAL Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that MAS FINANCIAL to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ).

Also Mas Financial Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: FL
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:
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I recieved a notice from USAA federal savings banks that they are going to close my account because it is currently overdrafted. 

I have been so XXXX XXXX Never over drafting and managing my finances like an expert. THEY KNOW EXACTLY WHEN AND HOW MUCH I GET PAID. 

Yesterday I filed a complain regarding Title 15 chapter 41 and now it seems they are immediately retaliating against me. Keep in mind that complaint : complaint XXXX i stated that I have continuesly been financially prepping to avoid negative accounts and sustain a modest and meek living. 

The information i provided is true and full in detail and I swear under law and purgery that it is accurate. 

Letter details from USAA : XX/XX/2023 XXXX XXXX XXXX, USAA is committed to keeping you informed about important changes to your account. This notice is to inform you that your USAA Federal Savings Bank account ending in XXXX is overdrawn in the amount of {$190.00}. Under the terms of the Depository Agreement and Disclosures, you agreed to resolve any insufficient funds immediately. If you fail to bring your account to a positive balance, we will close your account. If you have questions or believe an error occurred, please contact USAA immediately. Thank you for allowing us to serve you. Sincerely, XXXX XXXX XXXX Assistant Vice President, Member Debt Solutions USAA Federal Savings Bank If you have declared bankruptcy, call us immediately at XXXX so we can honor all provisions of the United States Bankruptcy Code. If you are outside the U.S., call us collect at XXXX. USAA is required by the laws in some states to inform you that this communication is from a debt collector attempting to collect a debt, and any information obtained will be used for that purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Servicer did not pay my Property taxes for XXXX. I have FHA escrow account. I XXXX XXXX ended Forbearance on XXXX XXXX I notified Servicer I was able to resume regular mortgage payments. I qualified for Partial Claim on XX/XX/2021. I signed documents on XXXX. Called once a week for updates. On XXXX was told my partial claim was denied and was verbally Threatened Forcosure Proceedings will start Immediately and was also told ( By the way you are behind on your Escrow XXXX ) Tax Due is XXXX Past Due, in the ReD. I verified this with County Tax Accessor. In Danger of Tax Lien, penalties, fines in XXXX. 
Mid America Mortgage has been uncoperative from the beginning of Forbearance. 
Also was told I need to pay lump sum to avoid Forclosure. Servicer has updated total amount with interent, fees, other charges on Statement. No other options were offered. 
I also made a mortgage payment for XXXX for XXXX. Not Credited to XXXX Mortgage. 
1. mis-allocated payments- used for other accounts. 
2. Lied about having paid Property taxes. 
3. Intentional Harm to force Forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt has been falsely added to my credit report and has negatively affected 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 2023-02-03
Company: SYNCHRONY FINANCIAL
State: GA
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:
Documentary Evidence is Required in accordance with 12 CFR 1026.13 ( 6 ) Please provide clarification, including documentary evidence, on the following : Any and All documents, correspondence, papers, and corporate records proving that " Adequate Notice '' was received and understood by the cardholder in accordance with 15 U.S. Code 1602 ( k ) for the above-mentioned account ( XXXX ) ; dates and times ; Any and All documents, correspondence, and papers of receipt and acknowledgment of reasoning capacity to understand what I am agreeing to ; Any and All documents, correspondence, papers, and corporate records of the 2011 published version of the PayPal Credit Account Agreement with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the PayPal and Synchrony Bank records and/or data retention policy guidelines ; Any and All documents, correspondence, papers, and corporate records proving that adequate notice of disclosure of personal information was given in accordance with 15 U.S. Code 6802 ; Any and All books of accounts, financial records, and corporate records about this consumer credit transaction, including how Synchrony Bank funded the above-mentioned account ( XXXX ) ; Any and All audit trails of the funding of the account transaction by which accounting, trade details, or other financial data can be traced to their source, i.e., from your account to my alleged accounts ; Any and All documents, correspondence, papers, and corporate records that fully disclose the details of the entire agreement, which is a requirement of a contract ; Provide the original agreement with the signatures of both parties ( or all involved parties ), signifying consensus ad idem, or a meeting of the minds, which binds both parties.

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 2019-04-02
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against RECEIVABLES PERFORMANCE and XXXX. I keep getting collections notices for a name other then mine. The last name in question is spelled with a XXXX instead of a XXXX ; saying I owe XXXX {$420.00}. I have never had XXXX service and have been an XXXX XXXX XXXX customer for 20-Years. I have called XXXX several times and the Collections company ... with NO HELP. I have tried several times to remove this from my file and it was removed once and keeps coming back.

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 2020-09-18
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This claim regarding account # XXXX, in which this company claim I owed {$3600.00} and you filed suit against me on an alleged XXXX XXXX Account that was never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Equifax didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate information

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 2019-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
They have not removed unverified derogatory items from my report. They have violated Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting 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 2021-02-02
Company: EQUIFAX, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
I would like to file a complaint against Equifax. I have sent a letter disputing accounts that are being reported inaccurately on my credit report. I have also sent them a second follow up letter. As I'm filing this complaint, they have not provided anything information regarding the investigation. As matter of fact I have no response Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Letters were sent certified mail and phone calls were made regarding these issues listed below without resolution : Unauthorized Inquiries : XXXX XXXX XXXX XXXX, XX/XX/2021 & XX/XX/2021 XXXX, XX/XX/2021 XXXX  XXXX, XX/XX/2021 Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Incorrect Phone Numbers : 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 non-monetary relief
Consumer complaint received 2021-01-24
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Mainer Finance several times via phone and sent in multiple disputes. Mainer finance failed to respond via phone or via mail. they have 2 line of credit on my credit report. they have that I opened a pay day loan on XX/XX/2018 for {$950.00} and XX/XX/2018 for XXXX this is incorrect and only opened 1 line of credit not 2. All 3 balances are in correct as well and all 3 reporting agncies should not have 3 different balances. this account has many inconsistences

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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:
An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through Experian. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively 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 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly as CEO of Goldman Sachs. My issue is simple, I am a XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. He has been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case with my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, I submitted a payment to Chase Bank of {$1100.00}. The payment covered the past due amounts from my XXXX and XXXX loan payments, as well as additional feea which I had accrued. I noticed on XX/XX/XXXX that the transaction had not been posted on to my auto loan account, even though Chase Bank had listed the payment as complete online. I sent my first inquiry about the payment on XX/XX/XXXX and my second inquiry on XX/XX/XXXX asking Chase Bank to post the transaction to my account. I received a generic response on XX/XX/XXXX, but the XX/XX/XXXX response confirmed in writing that my payment was received by Chase Bank. Customer service then sent my inquiry to the Auto Finance department who sent me a generic response. I had scheduled a payment of {$500.00} to pay off the remainder of My past due amount on XX/XX/XXXX. My car was repossessed on XX/XX/XXXX. When I called regarding the repossession, I was informed that I had not submitted a payment since XXXX, which was not true. I called again on XX/XX/XXXX when the XX/XX/XXXX payment was pulled from my account to receive the fax number that I could send my proof of the payments. I faxed that documented proof to Chase on XX/XX/XXXX, asking them to call me to confirm receipt of the fax. I included in the fax the written confirmation that Chase Bank sent me on XX/XX/XXXX that the first payment had been completed. I called on XX/XX/XXXX to confirm that the fax had been recieved and they informed me that the research department had started looking into the past transactions. When I asked what the process was going forward Chase then had me open a dispute into my repossession. On XX/XX/XXXX, Chase Bank refunded my payment of {$1100.00} thirty days after I submitted it. I called the collections department and was told that an account supervisor would call me since it was an open dispute. I have yet to receive that phone call. I also opened another inquiry into this issue to Chase Bank, who referred my case to a Senior Service Specialist on XX/XX/XXXX and said they would be in contact within 72 hours. I responded to that inquiry on XX/XX/XXXX asking for someone to contact me and I received a response that they would be in contact within 72 hours. The deadline of my repossession was XX/XX/XXXX and I have not received an update on the status of my dispute or if the deadline was extended while they review my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-10-12
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
SELENE FINANCE MY MORTGAGE PROVIDER CHARGED AN ESCREW TO MY HOME LINE OF CREDIT.THIS ESCREW ALREADY BEEN ADDED TO MY ORIGINAL MORTGAGE FOR THE PROPERTY.THEY CHARGING ME TO PAY TWICE TAXES AND INSURANCE FOR THE SAME PROPERTY.I BEEN CALLING THEM MANY TIMES IN LAST XXXX MONTHES AND THEY ARE REFUSING TO REMOVE IT FROM THE HOME LINE OF CREDIT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NY
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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