BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XX/XX/XXXX, I applied for a CITI Simplicity credit card based on an advertised 0 % APR promotion. It is now XX/XX/XXXX and I have yet to physically receive the card. 

I called Citi on XX/XX/XXXX and spent 32 minutes talking to customer service and proving my identity. I was told a replacement card would be expedited to my new address. I wanted to use the card for Black Friday/Cyber Monday. 

I called back on XX/XX/18 to inquire about the whereabouts of this card and was told the card was never processed. I was told that Citi tried to contact me after my 32 minute call to them on XX/XX/XXXX,  but no voicemail was left nor is there any record of a missed call. No communication by email either. Citi never bothered to inform me that they were not sending me a credit card. I then asked to be transferred to a supervisor and was hung up on. No follow-up call, explanation, or apology was made to me much like my call 8 days earlier. 

There is an inquiry on my credit report from this credit card. Several months have passed and I have not been able to use the 21 month 0 % APR term, nor register the card electronically to see my monthly statement balance ( currently {$0.00} XXXX. I do not have access to any information regarding this credit card, nor can I use it to make purchases. 

I have another Citi card open in good standing ( with a zero balance / {$38000.00} credit limit ). 
I've never been treated like this by any other credit card company and would like the Citi Legal/Executive team to justify their service and execution. This is false advertising.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a Capital One 360 checking account that I use to pay credit cards via auto bill pay. On XX/XX/XXXX and XXXX, 2022, Capital One paid the same bill twice ( XXXX XXXX ) -- the value of each payment was {$1600.00}. On XX/XX/XXXX, I spoke with a Capital One fraud XXXX who told me this was a SYSTEM-WIDE processing error for customers on those dates, that the money had already been sent to XXXX, and that I needed to dispute one of the payments. He assured me that this was the correct protocol, that only one payment would be pulled back, and that Capital One would refund any fees that XXXX charged me as a result of this processing error. On XX/XX/XXXX, Capital One " pulled back '' one payment ( value : {$1600.00} ) ; on XX/XX/XXXX, Capital One disputed the second payment ( value : {$1600.00} ). XXXX never recognized the receipt of two payments from Capital One ; the disputed payment led to : returned fee charge ( value : {$27.00} ), interest charge ( value : {$6.00} ), affect on credit score, and cancelling of Capital One account as a payment option. I used a XXXX account to pay the XXXX bill, with fees/interest ( as listed above ). On XX/XX/XXXX, I asked for Capital One to refund the fees that XXXX charged due to Capital One 's processing and handling errors. Capital One refused any refund and claimed that XXXX was at fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX notified me to a change to my credit report in XX/XX/2022. A hard inquiry was requested for an application to a Bank of America card that I did not apply for made. I contacted Bank of American by phone on XX/XX/XXXX and XXXXXXXX XXXX to report the fraudulent application. I was told the inquiry would be removed. 

It is still there as of today and it is affecting my credit score negatively.

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 2018-11-30
Company: Experian Information Solutions Inc.
State: MA
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:
On or about XX/XX/XXXX several " hard pulls '' where made on my credit report without my authorization ( in fact, against my express wishes ). I tracked them down as best I could back to what I believe to be the same source : XXXX XXXX XXXX XXXX XXXX. 

To be clear, I was looking for financing for my company, but I was not allowing my personal credit to be used for this purpose which I made very clear in my communication with XXXX XXXX ( email dated XX/XX/XXXX ) to XXXX XXXX. 

All attempts to contact XXXX XXXX have failed. 

XXXX XXXX actually acknowledged the error by phone and advised me to dispute the inquiry on my credit report and when they were contacted by Experian they would confirm the hard pull was made in error. However, since disputing the hard pulls with Experian back in XX/XX/XXXX, no  correction has been made. What's more, I had begun to receive what is clearly junk emails ostensibly from the representative at XXXX XXXX and even advised XXXX that it appeared to me that their email server had been compromised. 

As of this date, no investigation has been conducted that I have been made aware of and the inquiries remain on my credit. 

Experian has also taken to dropping good credit accounts from my report seemingly at random. Beginning in XX/XX/XXXX, again in XX/XX/XXXX, and finally most recently this last month in early XX/XX/XXXX. These are perfectly good accounts that I have made no dispute of and Experian is claiming they have nothing to do with it, nor can they take any action to remedy it. 

In the previous two instances I was finally able to correct it by simply getting lucky and finding the right person on the phone. This last time, XXXX from the Dispute Department as much as told me I was at the end of the line and there was nothing she could do - that XXXX had requested their account be removed from my report and that I should take it up with them. 

A statement which, as near as I can tell, was an outright fallacy.

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 2018-11-30
Company: Diversified Consultants, 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:
I have sent a letter to this company about a debt that is not mine. I have never had service with them. I received a letter from the credit buro that it was mine but never received any documents from them that proved it was mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: KY
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:
Since my divorce in XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XXXX XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX-Equifax, XXXX, XXXX ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX-Equifax, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the XXXX XXXX credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CITIBANK, N.A.
State: IL
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/22, XXXX XXXX submitted a fraudulent invoice reference # XXXX for {$1700.00} to be charged on my Citibank credit card. There is no contract signed by me to justify this invoice. There was also an invoice submitted for {$350.00} which has the last two of someone elses drivers license # with my name on it and has the same reference #, XXXX as the invoice for {$1700.00} On XX/XX/22, I disputed the charge with Citibank and forwarded a signed contract with reference # XXXX which matches the reference # on the invoice for {$520.00} I was promised on Monday, XX/XX/22 by XXXX an analyst in the President department for Citibank that {$1700.00} would be credited to my account in two days. Citibank is now refusing to reverse the charge and advised me the merchant has declined to return the funds but they had no problem funding a fraudulent invoice.

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 2022-09-30
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: Information belongs to someone else

Complaint:
I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report that misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$280.00} XXXX  XXXX XXXX XXXX : {$420.00} XXXX  XXXX XXXX XXXX : {$2200.00} XXXX  XXXX XXXX XXXX : {$6400.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I got a call from my XXXX XXXX my mortgage company saying that the call was concerning about my payment that I was behind 3 months, I told the lady that that was impossible because I send {$9300.00} on XX/XX/XXXX and the check already clear the bank on XX/XX/XXXX. She ask me to provided copy of the bank statement and I complied with their request. 
The next day I got a call from XXXX XXXX  and they thank me for sending the bank information. 

They notice that the check was paid by XXXX  XXXX XXXX on XX/XX/XXXX to SPS ( Select Porfolio Servicing ) Select Porfolio Servicing is my second mortgage company. 

I call Select Portfolio Servicing on XX/XX/XXXX and told them about the mistake I made that I sent a check payable to XXXX XXXX  with XXXX  account number in memo and SELECT PORFOLIO cash the check and never give me any credit. I ask to please return the money because i was facing foreclosure and the response was it will take 30 days for them to investigate. I told the lady that I am not on the position of waiting 30 days. She told me I am the one who make the mistake not then and they have rules to fallow. 

On XX/XX/XXXX I when to XXXX XXXX XXXX to found out why they paid a check for {$9300.00} to a different entity and they did and investigation and on XX/XX/XXXX the bank give me a temporary credit for {$9300.00} then on XX/XX/XXXX i got a letter from XXXX  XXXX XXXX stating. Unfortunately, we are unable to approve your recent claim because The merchant 's bank provided documentation showing proof of my authorization. XXXX  XXXX XXXX recommendation is for me to contact the mortgage company direct. 
I contact SELET PORFOLIO on XX/XX/XXXX and they told me that on XX/XX/XXXX they overnight via XXXX  a check for {$9300.00} they can't provided me with a tracking # today XX/XX/XXXX check never got here. Can I get help on my situation. now if I don't paid my mortgage at XXXX they are sending paper for foreclosure on XX/XX/XXXX. XXXX  in helping us but everything has a limited. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: LEXISNEXIS
State: TN
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:
Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, XXXX, XXXX   and LexisNexis about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, XXXX, XXXX and LexisNexis each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: American First Finance, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
For this loan I was told I had to call to make sure they charged me the right amount so I would pay off the full amount on time. On the second to last payment I called and was told that the two payments were all set and they would be done automatically, and there was no need to call the upcoming month. I was told to just make sure the last payment was taken out of my card. That last month I checked my bank statement and the last payment for this lone had been done. I was surprised when a month later the company reached out and said I owed them {$7000.00} because a balance of {$20.00} had not been paid. I tried to come to an agreement with them since this had been their mistake, they told me they could reduce that balance to {$2000.00}. We insisted that this was their mistake and we did not need to pay this. They said there was a recording where they informed me that there would be a small balance after the last payment but I dont recall this and they refused to show me the recording. And since then they have taken out about four payment of {$76.00} from my account without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from my banking institution stating that an account application was sent in my name. It was later approved. The banking institution reported a fraud alert and we verified that there was a fraudulent application sent in my name and the account was closed and shut down after verification. Credit bureaus were notified and a report is being submitted

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 2022-08-24
Company: EQUIFAX, INC.
State: GA
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:
I am a Natural, living person. I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. i demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and furnish, I did not give Equifax written permission to furnish these accounts.

15 U.S.C. 1681 section 602 A. States I have right to Privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not report 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 Any other adverse item 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. 


Accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I broke my leg in XXXX of 2014 and was uninsured ( and I still am uninsured since I am old and retired ). I was on a payment plan for the bill with XXXX for {$50.00} a month which was automatically removed from my account once a month. The plan was disrupted without my knowledge and nothing was ever mailed to me to notify me nor was a called on the phone about the issue. I recently started receiving calls from an XXXX number, which I called back and it is a collections agency called Argon and they said my bill is {$5000.00} and I need to pay it in full. I can not pay this since I am retired and my social security is only {$900.00} which all goes toward my living expenses. I called the hospital and they won't help me. They told me to call the collections agency and work it out with them. No one is willing to help me. What can I do? I don't have any money to pay this large bill and the problem is I don't remember it ever being so high. I was not sent any bills or itemized statements for this so I am at a complete loss as in next steps. Please help me. Thank you!

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