BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: Bread Financial 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 status incorrect

Complaint:
I called and mentioned that I made a payment and they made a report stating that my account was delinquent and it's not. They refused to reverse the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi bank was offering a bonus offer of 60,000 XXXX XXXX miles if you open an account, deposit {$1000.00} and spend {$1000.00} with 90 days of account opening. 

I opened the account on XXXX XXXX and deposited {$1000.00} dollars on XXXX XXXX to fulfill the deposit requirement. 

According to a Citi employee i contacted I fulfilled the spend {$1000.00} and therefore fulfilled the required actions within the 90 days on XXXX XXXX. 

In the terms and conditions it states that I should receive the miles 30 DAYS AFTER THE REQUIREMENTS ARE MET Which would be XXXX XXXX. As of XX/XX/2023 I have not received the miles I am owed. 

It also states that XXXX deposits are allowed for the {$1000.00} deposit amount. 

I have contacted Citi Multiple times and the dates keep getting pushed back as to when I should receive the Miles. I also submitted a dispute about the missing miles and responded with an automated message. 

Documents I have attached are : Proof of deposits that equal {$1000.00} via XXXX Terms and Conditions stating that I will be getting the payment of XXXX miles 30 days after fulfilling the requirements. 

Terms and Conditions stating XXXX deposits are allowed Proof from the Citi Employee stating I fulfilled the requirements on XX/XX/2023 and that I should have received the miles by XX/XX/2023 The terms and conditions do not say I will be credit 30 days after the promo period ends it states 30 days after opening account and Fulfilling the required actions. Which I did

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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  Account XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Have 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 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.

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 2021-04-22
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have submitted several disputes to the credit bureau and credit card company ( Citi Bank ) regarding a fraudulent account that is being reported to my credit file. However, neither one of the companies have taken the proper steps according to the FTC statue with removing the account from my credit file.

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 2017-06-11
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today,   XXXX   XXXX   notified me that a collection was on my account from  Persolve. This is not my debt more did I receive any notice of a debt from Persolve in writing prior to it being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
credit bureaus are reporting bankruptcy on my credit report without any proof that it belongs to me. i ask for verification and they refuse to provide any.

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 2022-04-04
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer of M & T Bank for 11 years. I have had 9 accounts with them. Some trust accounts and some LLC accounts, as well as some accounts where I am listed as power of attorney. 
For all of this time, every few months, I would email my banking representative at their bank and request a reversal of the service charges to my LLC accounts ( 4 accounts total ). They would immediately reverse the last 3-4 months of charges. 
Suddenly, when I emailed my banking representative on XXXX XXXX, XXXX, she told me that was not the policy ( note : she didn't say that was no longer the policy, rather that it had never been their policy ). I was quite surprised. 
As a result of the bank representative 's surprising notification, I informed the bank in writing of the following requests : - refund of the services charges until the date that they decided not to refund any longer - notification in writing of the change in policy - notification in writing of a start date of the new policy so that I can decide whether to remain with the bank or change banks- providing me with the new terms of my accounts in writing- the minimum required to avoid services charges, for example. 
Her branch manager and the regional manager both told me that they will not refund any money to me for the service charges suddenly charged. Though I have repeatedly requested a copy of the new terms of the accounts, they have both refused to provide them to me in writing and have not provided them to me in writing. They have told me orally, though once I was told by the branch manager that she will not tell me the minimum required in the accounts. 

I am writing to request a refund of {$62.00} which is the amount of service charges which were charged that should not have been charged without notification in writing of the change in policy. 

Note : I have closed all accounts with the bank except for the accounts on which I am listed as a power of attorney. 

Note : The bank claims there was no change in policy, rather merely a decision to enforce a policy that already existed. I claim that in and of itself is a change in policy and required notification in writing prior to enforcing the policy they claim already existed. 

Note : The branch manager told me in XXXX that they would not be reversing charges anymore. But then my banking representative did reverse the charges regularly to date, so I thought she was mistaken.

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 monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have a few student loans through XXXX XXXX. These loans have been in deferment for a while now. I have not been able to make a payment on these debts for a while now and I have communicated with XXXX and let them know that due to COVID im not in a position to pay these students loans and again i am i deferment but they are reporting lates. I need these lates to be removed from my credit file. Under the Federal Mandate, CARES ACT, you can not report lates during the pandemic and plus my account is in deferment.

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 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Back in XX/XX/2016, I ( XXXX XXXX ) have tried on numerous occasions ( thru the attached documentation ) to explain to bank of America, that my prior checking account had received fake checks deposited that do not bear my signature or identification, but have been unable to get this information resolved ; I had misplaced my debit card. 

Please see the attached information. 


Thank you, 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 2022-09-13
Company: EQUIFAX, INC.
State: AL
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 person, I am human being, I have rights under 15 use 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  - XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2018-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I MADE NUMEROUS RETURNS TO KOHLS VIA MAIL PER THEIR INSTRUCTIONS AND PAID POSTAGE AND PURCHASED TRACKING AND CONFIRMED THEY RECEIVED THEM ALL. THEY RECEIVED MY RETURNS AND DID NOT ISSUE PROPER CREDIT OR REFUNDS AND WHEN I CONTACT THEM ABOUT IT THEY ADVISE THEY CAN NOT LOCATE MY RETURNS EVEN WITH THE TRACKING AND DETAILS AI PROVIDE AND SAID THER IS NOTHING THEY CAN DO TO HELP ME THEY HAVE HUNDREDS OF DOLLARS OF ITEMS I RETURNED TO THEM AND NEVER ISSUED CREDIT THIS IS VERY WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2020, my mortgage was transferred from XXXX XXXX XXXX  to BSI Financial Services. During that transfer, both companies failed to pay the second half of my property taxes for 2020. My property tax bill has now incurred over {$700.00} in late fees and I am concerned that my county will issue a tax lien against my property.

I have called BSI Financial Services three times since XX/XX/2020 to rectify this situation. Repeatedly, they told me to email their customer service with the tax bill details and I complied. To date, I have sent a total of four emails to BSI Financial Services and I have never received a confirmation of receipt of my emails or any contact related to them despite the serious tax delinquency. One month ago, they assured me they had all the info they needed and that they would call me once the tax bill was taken care of. My bill remains unpaid and they still continue to avoid contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
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:
Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized XXXX to furnish anything on my credit report I contacted XXXX and have disputes these inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX JPMCB - CARD SERVICES XX/XX/XXXX JPMCB - CARD SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit reporting act Frost - Arnett has violated my rights. 

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. 

Also medical accounts are no longer being apart of a credit report. They are to give consumers time to work out the matter with the original creditor and insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2022, Convergent Outsourcing agreed to delete all the information regarding my Account # XXXX and request removal from the three credit bureaus. I then paid the settlement in two payments of XXXX $ totaling the full settlement of XXXX XXXX 

However, Convergent Outsourcing is now claiming that they don't have the authority to delete this account and request removal from the three credit bureaus, because it is not allowed by the original creditor. 

I am fully aware that this was a deceptive practice by Convergent Outsourcing to collect the debt. Furthermore, as the data furnisher they do have the authority to alter and remove the information provided to the credit bureaus. This company has violated my rights under The Fair Debt Collections 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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed erroneous accounts with XXXX  and TransUnion for many months without any responses sent back to me from the credit bureaus. The accounts listed in the attached file should be removed as the credit bureaus have violated the Fair Credit Reporting Act. I have attached the most recent letters sent and have provided the certified mail receipt numbers as evidence to the credit bureaus receiving my letters. 

Certified Mail XXXX Numbers XXXX XXXX XXXX XXXX XXXX Transunion 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 explanation
Consumer complaint received 2022-09-13
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I requested information in regards to removal of PMI on my home loan due to an increase in market value since its purchase in XXXX. Over the next several weeks, I was made aware that I would need to fill out and mail a form, receive a home inspection. 

On XX/XX/XXXX, I followed my mortgage servicer 's ( Freedom Mortgage ) process for requesting removal of PMI. I sent a check for {$100.00} for the cost of the required BPO ( Broker 's Price Opinion ) which was cashed on XX/XX/XXXX. 

Over the several weeks, I made at least two calls to my mortgage servicer in regards to the scheduling of the BPO inspection, and received no information or updates. After three weeks, still without any update from my servicer, they provided me with the number of the contractor ( XXXX XXXX XXXX ) used to schedule inspections. I was told by my servicer that I should wait until XX/XX/XXXX for an update. 

On calling the contractor, I was informed that no inspection had been scheduled with them, and they had no information for even what type of inspection was required ( indoor or outdoor inspection ). The contractor would need me to email them to schedule the inspection, after which they would contact my mortgage servicer for the details of the requirements. I was also informed at this time that it might be as much as a month until I would have some update in regards to the scheduling of this inspection.

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 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00} XXXXl XXXX Balance Owed : {$260.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$190.00}

Company response to consumer: Closed with explanation