BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have described the problem prior, and have a file at Citibank regarding this complaint. 

I raised several points with Citibank, NA., but in their reply my specific disagreements with Citibank 's handling of my account were not addressed. I cited at least three unanswered letters/correspondence to the company many months ago, and I also documents an inability to reach Citibank 's customer service department via telephone, during the early months of the Covid pandemic. Citibank, specifically, directed people to its website in order to resolve account problems. I advised in my recent CFPB complaint and my prior correspondence, that my password was not operational, and I was unable to proceed in this manner ( contacting via the phone loan ).

In my complaint to Citibank, they did not address any of their failings to deliver adequate customer service, via a reasonable wait time, and by answering my ( documented ) mailings to their offices. Instead, when reached at their corporate office I was advised by XXXX XXXX that I " should have called everyday, '' despite my advising her wait times were excessive, and I had limited time due to being on my work break, etc. 

Citibank, in short, did not address any of my specific claims. Instead they arbitrarily state they are unable to do anything to mediate my damages. I would request a full review be done of all the circumstances of me losing my points. I have taken many hours to review and catalog phone records, mailings, etc., whereas Citibank has given this no true, in depth review. Citibank appears in violation of their customer agreement on several levels. I am requesting reinstatement of around {$500.00} in Thank You Points, or a cash reimbursement, if the account can not be reopened. I have repeatedly pointed out the problem with accessing the account, but none of my points have been dealt with point by point.

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 2023-06-17
Company: Self Financial Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
I reached out to self financial whom I have a credit with and I informed them that my card had been compromised and I needed to dispute about 6 transactions from Florida. They took my dispute and mailed me a new card but are still charging me for the fraudulent charges that dont belong to me. I never received a dispute kit, they just stated the charges were mine because I kept checking the app to monitor any fraudulent transactions from the state of Florida. I was in a bad car accident and no form of transportation until XXXX. Ive disputed it many times and even wrote letters to self and received no response back on how to get rid of the fraudulent transaction that are hurting my account, credit history and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I opened an American Express XXXX ( Amex ) credit card. Amex advertised bonus starpoints of XXXX for a friend referral. On XX/XX/2016, I contacted Amex to explain technical issues with their website prohibiting my friend from applying. I spoke to XXXX at Amex, ID XXXX, who asked for my friend to apply and that the points XXXX would be awarded later ( that I would get credit ). This never occurred despite my follow-up phone call on XX/XX/XXXX with XXXX ID XXXX. I am owed XXXX bonus starpoints for referring my friend, XXXX XXXX, who became an approved Amex cardmember as a result of my direction. 

I am also owed an additional XXXX bonus starpoints. On XX/XX/2016, I explained to the representative, Amen ID XXXX, that I had also referred my friendXXXX, and that I never received bonus points for that. Amen stated that he was sorry and would award me XXXX bonus starpoints. Unfortunately, I only received XXXX bonus starpoints. I am owed XXXX bonus starpoints as a result of the promise of the representative, Amen, on my conversation on XX/XX/2016. 

In sum, I request that Amex provide me XXXX bonus starpoints for the XXXX issues explained and to force them to comply with the terms of their consumer debt services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: Colony Brands, Inc.
State: OH
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 several letters starting  XXXX   XXXX ,  2017  asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine.     I received a letter back were company called my request frivolous and refused to cooperate.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: OH
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:
This is a two-part complaint, I recently filed an Identity Theft Report ( report # XXXX, see attachment Exhibit 1 ) and a complaint against Experian, with the Consumer Finance Protection Bureau ( complaint ID XXXX ). Experian removed the fraudulent information that I reported, however they failed to remove an additional inquiry that was originally listed in the fraud report and complaint ( XXXX XXXX ), this inquiry was listed along with the other inquiries that Experian removed XXXX this inquiry was included in the fraud report and Experian failed to do their job in removing it with the other inquiries they removed. 

In addition. Experian updated my personal information section that was included in my previous complaint and did remove and correct addresses, however, they failed to remove ( XXXX XXXX XXXX XXXX XXXX ), I never lived at this address and is currently causing confusion on my credit report, this address should not appear on my report. 

Last issue, I spoke with XXXX XXXX XXXX on XX/XX/XXXX regarding a hard inquiry appearing on my credit report, the inquiry is dated XX/XX/XXXX. XXXX searched their records and could not find any information pertaining to this inquiry. 

XXXX instructed me to reach out to Experian to dispute the inquiry and they gave me a specific number to call, which was XXXX, this is the number they instructed me to call to contact a Rep at Experian. I called the rep on XX/XX/XXXX and she refused to do her job and gave me a hard time, which caused my stress level to increase. That being said, the above three errors should not appear on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: Equity Settlement Services, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On Monday XX/XX/XXXX. XXXX XXXX a signing notary agent made tan appointment for my closing to take place on Monday at XXXX changing it later to XXXX due to a conflict on her part. I requested all documents for review before signing. I noticed on the final disclosure statement charges that were questionable and appeared inflated to increase my closing cost. Credit report fees totalling {$110.00}, BPC fee {$200.00} that the Title company agreed to refund thru my attorney in a follow up email. Recording fees {$160.00}, Settlement fee was increased by {$100.00} from the initial disclosure from {$750.00} to {$850.00}, Title Search and Review fees totaled {$700.00} and my Title Insurance {$620.00}. The closing cost due not appear in accordance with North Carolina regulations. The Title Company Equity Settlement Company has a general affidavit that I signed noting on line 14 of their affidavit states to determine eligibility for a discounted+premium, provide the Title closer with a copy of any title insurance policy issued to the property within the past 10 years or the closing statement confirming payment of a premium for prior title insurance policy, and the policy amount, and evidence of the amount due on the exist mortgage being refinanced. On XX/XX/XXXX I forwarded to Ms XXXX the Title closer a copy of my closing document to which she replied speak to my loan officer. On XX/XX/XXXX I questioned the issue of the discount and supplied my closing document from XXXX and it was disregarded. Furthermore Ms XXXX the Title closer or another person forged my initials on the COVID-19 Certification document after my signing, this is not my hand writing. I provided a cancelled check to Ms XXXX for the deposit of my cash out into my checking account. The cancelled check appears in the final copy of documents I received from Mr XXXX of XXXX. Because this closing was handled poorly I incurred late charges and penalties as well from my creditors as the checks were dated XX/XX/XXXX, I closed in NY and Equity Settlement was well aware of this and mailed all the checks to my NC residence left it at my door provided me with a receipt alleging it was shipped and billed on XX/XX/XXXX when the checks were issued and dated XX/XX/XXXX delivery was on XX/XX/XXXX. Equity Settlement is practicing unfairly as a Title Closer charging fees that are not required in North Carolina especially on a refinance of a property already owned by me in NC. I feel they are discriminating towards people of XXXX. Equity Settlement has violated their own affidavit they had me sign. Im requesting a refund of the charges that are not required by NC Mortgage laws and my residence should not be subjected to NYS Mortgage laws. Furthermore I was not provided with the final disclosure until my signing of the documents on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX # XXXX, Account name : XXXX collect XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX XXXX XXXX, Department of EducationXXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
Ill start with verifying documentation original signed contracts with my signature, according to Section 609 of the FCRA this is what companies need to prove. XXXX XXXX XXXX has been reporting 2 accounts that Ive been disputing since XXXX with no results of proper investigation. Here are 2 documents one saying this isnt a debt but saying I owe this ... my signature isnt on this document nor is it an original signed contract. Section 609 of the FCRA says the proper documentation must be provided.

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 2022-10-05
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: Personal information incorrect

Complaint:
After reviewing my credit report for accuracy since fraud has been committed against me, I have disputed inaccurate personal information reflecting on all three credit reporting agencies ' reports. In an effort to insure that the correct information is reflecting in my file, I sent letters via certified mail indicating what personal information should be in my file. 

XXXX Certified Mail Tracking : XXXX XXXX Certified Mail Tracking : XXXX Experian Certified Mail Tracking : XXXX My personal information has not been updated upon my request.

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 2020-11-02
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2023-02-26
Company: MECHANICS BANK
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought the car in XX/XX/2022. I started making payments but a payment supposedly was rejected by my bank. I talked to the bank and the payment never appeared on my account. I talked to loan servicer. The payment went through. I processed another payment and another payment but the third payment didnt go through again. I talked to my bank. The payment never arrived. The loan servicer called and called right back. I was told I called after hours. I was told to call during business hours. The loan servicer already added a late fee. The loan servicer is Mechanics Bank. This seems to be a pattern. My current interest rate is 8.25 % for 75 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
I've asked the credit bureaus to remove these names from my credit bureaus. These are not my names. Please remove these name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-11-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I recently received a copy of my credit report. Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the era is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible will be greatly appreciated. 

My current and only address is listed below XXXX XXXX XXXX XXXX md, XXXX Please remove any other addresses from my report as they do not belong to me and are being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: MD
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting ITEMS as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXXXXXX XXXX  ( Original Creditor : 01 XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}

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 2019-11-14
Company: AMERICAN EXPRESS COMPANY
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:
REF : XXXX REF : XXXX LETTER OF SUPPORT To whom it may concern, On the night of XX/XX/2019 Ive managed to order the batch of items on XXXX for the full amount of {$1400.00}. All of them have been delivered to my business storage located at XXXX XXXX XXXX XXXX XXXX NY XXXX during the period of XXXX. 

However, every piece of item been either partially damaged due to mishandling, or not looked at its been described online. Due to that fact, Ive requested to return these following XXXX 30 Days Return Policy. As been requested Ive managed to pack and shipped items back to different XXXX Facilities located in KY. 

All the shipping labels contained reference number for the returned items and could be find attached. 

Nevertheless, even though all items have been succefully returned to the XXXX, only partial refund on {$900.00} combined have been issued from 3 separate charges combines to my AmEx Business Platinum Account ending in XXXX : {$450.00}, {$210.00} and {$740.00} respectfully. 


Since all the packages succefully have been returned to XXXX within the companys policy, Im asking AmEx to adjust the charge and refund back to my account the amount of {$500.00} the difference which hasnt been issued yet. 


For your convenience, please consider attached : # 1 : Order Details from XXXX # 2 : Copies of the shipping labels # 3 : Copies of the XXXX tracking information with a proof of delivery Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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