BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: MI
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 rewards from credit card

Complaint:
XXXX XXXX XXXX XXXX XXXX ( Costco ) Reward earned over {$100.00} XXXX XXXX XXXX XXXX XXXX Reward earned over {$170.00} XXXX XXXX XXXX XXXX XXXX Reward earned over {$200.00} All three cards by Citi were canceled on XX/XX/XXXX without any warning. We were told that we would loose all the reward $ $ that we had already earned based on our purchases. It amounts to over {$470.00} as broken down above. How can Citi take away our reward $ $ that we had already earned. 

I wrote to them but their response was the same - - - stating that it was in the contract. Well it is an unfair contract and it must be in the fine print that the consumer never sees. 

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 2021-07-04
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: Information belongs to someone else

Complaint:
The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX  XXXX  3. XXXX  4. 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 2021-04-27
Company: Experian Information Solutions Inc.
State: AR
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:
Hello I have disputed with both Experian and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. XXXX XXXX XXXX has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with Experian. See CERTIFIED LETTER .. Experian has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting verification.

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 2023-03-23
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-09
Company: CITIBANK, N.A.
State: OR
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:
On XX/XX/2020, I had purchased tickets for a baseball game from XXXX using my Citibank card. Subsequently, the games were cancelled, and the tickets were never delivered. 

On XX/XX/2020, the president of XXXX, XXXX XXXX XXXX, sent an email affirming that customers with cancelled events have two options : to receive a full refund, or to receive a coupon. 

On XX/XX/2020, XXXX customer support sent an email saying that the event had been cancelled, and they were offering a coupon, not a cash refund. That same day, I attempted to contact customer support via chat to arrange a refund. I was kept waiting for hours and then disconnected. I sent a message to XXXX customer service requesting a refund, using their web-based customer support interface. No response was ever received. 

So, on XX/XX/2020 I initiated a dispute for the transaction with Citibank. On XX/XX/2020, it was resolved in XXXX XXXX favor without explanation. The dispute interface shows a link that " provides details about the resolution '', however, the link goes to a page with no information. 

Furthermore, they have a " Secure Message Center '' that does not allow customers to send messages. I contacted a representative via their chat interface, but they couldn't tell me why the dispute was resolved the way it was, nor any steps to redress the situation.

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 2023-09-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I financed some furniture through Synchrony bank/XXXXy in 2015 XXXX I paid off the debt right away and never used the card they sent. Now 8 years later I get sent a new card. I call to cancel the card and they tell me the account doesn't exist. After speaking to multiple managers the only information I have gathered is : Accounts are automatically closed after 3 years and out of the system after 7.

This new card has no expiration date, I was told that their cards don't expire. If Cards don't expire why was I issued a new one? 
There is now no record of the old account and they don't know where the new one came from. 
They can't send me anything confirming that I have no open accounts and owe no money. They also can not make outbound calls so I have to sit here the entire morning on hold. 

By their own terms they must have closed my account after 3 years, which means this new card was opened without my permission. 

They don't think this happened, but can't confirm it and can not say with certainty exactly what happened or where this card came from, but want me to just trust that everything is okay. 

XXXX XXXX ( XXXX XXXX XXXX ) they will only send me something stating that I owe no money and have no open accounts if they can open a complaint that would affect 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 2018-05-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, we called PennyMac Loan service to get a payoff for our mortgage. They told us that it would take 7 to 10 business days to receive it. We asked if there was a way to expedite the process because our closing was on Friday XX/XX/XXXX. We called the week of the XX/XX/XXXX and every time the title company and my husband and I called, they said " its pending '' call back later. But it is expedited. They said during one phone call that our house was in the process of foreclosure and it was given to an attorney. However, when we asked them about the attorney 's contact information the loan service said that the attorney would charge every time we called which would add to our expenses which stopped us from calling the attorney 's office. One day my husband called the attorney 's office and asked if he spoke to someone about the process our house was in, would we get charged just for inquiring? They said absolutely not. Therefore, the loan service had lied. Our title company has been authorized to call our loan service as well and everytime they call, customer service is super rude and saying there is absolutely nothing the loan service can do. They say to contact the attorney because that is what they are waiting on. We are well past the 10 day mark-up and yesterday my title company called and the loan service said " oh well because it is in the process of foreclosure is could be up to 2 weeks before receiving the payoff. '' This was never stated and the process has not gotten into depth. We called the attorney 's office and they said they have done everything on their part and now we are waiting on the loan service to finish up the final product. We are going in circles and there are still no numbers given of when it will be done and how much we are looking at paying. They are harming me of my financial state. I am not paying the added up charges and interest they are accruing for every day after the 10 day marking period when I should have had my payoff in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Mr. Cooper Group Inc.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay off Mortgage ( {$23000.00} ) to Mr Cooper /Nationstar Morgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX. I send certified mail requesting Release of Lien ( Satisfaction of Mortgage ) .Never received answer.Various written, E Mails, Certified mail communication, no answer from MrCooper/Nationstar Mortgage XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CITIBANK, N.A.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Home Depot has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A company with the name XXXX left me a voice mail the morning of XX/XX/2021 at XXXX stating they are calling in regards to my case which is in the process of being filed against me in the county of XXXX XXXX XXXX . I was unable to take the call because I was still asleep after spending a long night taking care of my grandmother, IMMEDIATELY they begin calling my sister, my grandmother, my parents. I woke up by calls from all of them saying the XXXX XXXX Police Department called saying I am required to contact them or they will take the case further my grandmother thought I had been arrested and began crying for hours. I listen to the voice mail before calling and I believed it was a scam, the voicemail has no specifics, no company, no mention of what the debt is, no notification about the claim. Ive never received a call from this company before, Ive never been notified before of a debt being given to collections, I get a call today saying I am going to have fraud charges filed against me unless I pay. I am already homeless, I dont have money. This company made my family so concerned and made me so concerned I had to borrow money I do not have to pay off something that wasnt even in collections and I most likely would have never gone to court for. But they harassed my family, they called my last employer, they made my grandmother cry and fear that I had been arrested. And the first time I am notified of this debt until the end when it was solve was all in the matter of 3 hours. They did all of this, in three hours to collect a petty debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have renters in my home who thought they would need some extra time to pay the lease due to Covid ; this was in XXXX, 2020. I called the mortgage company to ask about the terms of deferment. I asked them to send me the paperwork so I could look it over. At no time did I agree to go into deferment or ask to be put into deferment. I simply asked for information. 

I received the papers which stated I was to sign and return ; I did not submit any documents to go into deferment. My tenants continued to pay on time, so there was no need to go any further. 

In XXXX, 2020 I had to purchase a car, and learned that Dovenmuehle Mortgage, Inc. had put me in deferment without my consent. 

I had not missed any payments, nor been late - ever. 

I called them and they said that it was not on my credit report, but I have the paper work obtained from my loan broker. In addition, creditors did not want to extend credit to anyone who is in deferment so it was extremely difficult to find a creditor. As a result, my interest rate on my car is extremely high. 

The damage is done, at this point and there seems nothing I can do to reverse what it's done to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: VA
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:
To Whom It May Concern, I signed up for XXXX XXXX ( Agreement ) with XXXX, such agreement was never reported on my credit report until this year. XXXX was acquired by XXXX. However, this agreement now reflects a " loan ''. No where on my agreement with XXXX agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Believe this is Illegal loan in State of XXXX Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local XXXXXXXX XXXX office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
complaint against : Sun West Coast Mortgage XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Ca XXXX Upon moving into the home we have noticed or had issues that was not listed in inspection and appraisal documents. These issues have cost my family over XXXX dollars. We purchased the home and was never told about the fire hazard with a sliding door not being able to open. We also have a gas fire place that the previous home owner told me he dont know if it works or not. We had to cut down trees, we had a second floor leak and all of these problems where within a week or two of us moving in. I hav documentation of these issues along with invoices. I spoke with the company on numerous ocassions and they have not tried to help me. I told them that FHA wouldnt have approved of that home with the hazards it had coming in. I also explained to them my family would had made contengencies based on the issues the home presented. But these issues was not listed in the inspection. To me it seem like he left off the things that didnt work to finish to process. The appraisal as well as the inspection was done by my mortgage company in which i feel they are doing illegal practices to benefit from higher loans for clients. Also when they got word of my complaint of my concerns I recieved paper in the mail stating I have a new company to sent my mortgage payments to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: FL
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 have a fraudulent account from XXXX  XXXX XXXX # XXXX. Someone was using my name to apply for credit/loan. I filed a police report due to my information being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX Account Number XXXX I the victim of the fraud, am requesting that XXXX XXXX XXXXXXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and l am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.

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 2020-11-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several letters of correspondence from this company. I have wrote several cease and desist letters to this company. I have stopped receiving correspondence from them for a few months now they are sending collection letters 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 2020-07-09
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 sum of {$2900.00} was sent from USA to XXXX through Western Union online service. 
No transfer fee was charged for the {$2900.00} sent at XXXX XXXX XXXX to a dollar. 
The {$2900.00} was deducted from my back account instantly accordingly. 

By Monday XX/XX/2020 when the receiver did not get the money, I checked my western union online account and confirmed the money is " In progress '' at Western Union end. I was informed by western Union that the money transfer did not go through and that the money would be cancelled and refunded. Was assured that the refund would enter my bank account between 3-5 days. 

I have not seen the refund, my bank said Western Union did not send the refund. From XX/XX/2020 to XX/XX/2020 the money has been " in progress '' per Western Union online report attached. I complained to Western Union through phone and emails severely ; complaint number is # XXXX. XXXX # XXXX XXXX XXXX is tracking number of the {$2900.00} " in progress ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Affirm Holdings, Inc
State: DC
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 received a notification on XX/XX/XXXX that XXXX XXXX XXXX had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of 12 AFFIRM and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with XXXX XXXX XXXX or 12 AFFIRM. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact XXXX XXXX XXXX but was not successful in getting any additional information and XXXX XXXX XXXX refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a XXXX representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that XXXX XXXX remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Upon checking my consumer credit report I have found inaccurate late payments on my account. Please validate all dates as Im sure its incorrect. I have paid this account. 

Account : XXXX XXXX XXXX  Account 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 explanation