BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Consumer Finance, I am filing a formal complaint against Citibank for failing to honor the {$400.00} Promotion Bonus after keeping {$15000.00} opened in an  approved checking account for consecutive 30 days. This promotion is similar to what is described at this URL : XXXX XXXX XXXX Around XXXX timeframe, I received a targeted offer from Citibank to open a new checking account, and deposit {$15000.00} to qualify for this bonus. During the ensuing months, I experienced difficulties opening my account and funding the account with {$15000.00} within the 30-day requirement. However, I made multiple calls to Citibank to ensure that I can still qualify for this promotion, and every time a different CSR agent assured me that my account has been setup and coded for the promotional offer. I was further informed that as long as I keep the money in the account, I should receive the {$400.00} bonus 3-months after I qualified for this promotion. Around XX/XX/XXXX, I followed-up with Citibank again and inquired on my missing bonus cash. The response was that I should be receiving the bonus soon. I waited again until yesterday on XXXX XXXX XXXX, and called Citibank and inquired again on getting a resolution to my missing {$400.00} bonus. I was informed that my account was setup properly and coded for the promotion, and the agent will open a case to have researched done.
Upon checking my Citibank Message Center today on XXXX XXXX XXXX I received a response to my inquiry dated for XXXX XXXX XXXX stating that my account has been disqualified for the {$400.00} bonus. The reason was that I did not fund my account within the required 30-day period. However, during the initial account setup, the CSR agents I spoke with stated that they will extend the promotion and that my account will qualify.
Please assist with obtaining resolution to this on-going issue with Citibank. This bank should honor what they have promised their customer. This bank has weaseled out of  paying their customer for the promotion they ran, and tied up a significant portion of my cash investment without earned interested. Thank you for researching into this complaint.

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 2017-06-05
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A company name d Midland Credit Management ha s been hounding me for years over an alleged  XXXX  debt. The debt in question was bogus in the first place, and is well beyond the statue of limitations anyway. I have repeatedly made them aware that the debt is not legitimate. I have even succeeded in getting them to admit it themselves, several times. They have also admitted it is past the statute of lim itations. They have never affected my credit report, they have made it clear that they can not and will not persue legal action against me, and they are usually fairly polite. They just NEVER STOP CALLING. I have made dozens - if not hundreds - of requests for them to stop contacting me. I receive 2-3 letters a month, and a minimum of 3 phone calls a day. When I block the number, they just call back from a new one a few minutes lat er.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
Homeward Residential/Ocwen AKA AHMSI is n ot reporting correctly to  XXXX  that my account was delinquent as of  XXXX , 2010  . This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current   XXXX    credit report when the credit delinquency if great tha n seven years. Homeward Residential/Ocwen  were reporting the  XX/XX/XXXX    delinquency 's correctly to  XXXX  and  XXXX . The account has dropped off of these credit bureaus due to th e 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to Ocwen th at they correct the credit reporting with  XXXX . They have refused to do so.  XXXX  defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act.  <P/> I have attached a copy of my mortgage Statement dated  XXXX  , 2010 that  shows my payment due date is  XXXX   XXXX ,  2010 w hich also sho ws 2 past  due paym ents (   XXXX  &  XXXX     2010 ). S ee the bottom of page  XXXX  in the attachment for past due details. I have also included a copy of my  XXXX  report that shows Homeward Residential reported me as past due from  XXXX  thru  XXXX   2010.    XXXX  and  XXXX  has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had several credit cards closed by issuers within the last 3 months. 
Ive had one business Capitol one card closed shortly after being granted and two secured cards cut off by Capitol one which were personal and none of the cards had late payments or any other problems. Yesterday my XXXX XXXX was closed and am being told due to regulatory reasons it was justified. 
Somehow I am being blacklisted by commercial banks but my credit union cards have not been bothered. I need to know whats going on and why are these cards being closed by issuers even when I have no Late payments or balances on any of the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, CAPITAL ONE, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: CA
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:
In correspondence dated  XXXX   XXXX ,    2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2017-06-05
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I sent  XXXX  certified letters on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ( letters enclosed ) to NELNET asking for an updated balance and the original instrument of indebtedness in its original form to ensure the amount reported to the credit agencies are correct. To date, I have not received the original document of indebtedness and request your assistance to remedy this situation. By law, NELNET is required to provide me with the original instrument of indebtedness in  its original form to verify the charges on my credit report are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management reported a collection on my credit report in XX/XX/2021. Credence never reached out to me about this. I found out my checking my credit report. This debt is not mine so I disputed it on XXXX as soon as I found out, in XX/XX/2021. In XX/XX/2021, Credence changed the debt collection date from XX/XX/2021 to XX/XX/2021 and XX/XX/2021. On XX/XX/2021, I mailed Credence a debt verification letter, to verify information about said collection. It has been over 30 days with no response from Credence. So now, XX/XX/2021, I am requiring this false collection to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: TX
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 have contacted the collection agency XXXX directly, as well as, Equifax, since XXXX, 2019 disputing the error that is being reported in the amount of {$1600.00} Account XXXX XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The  Mobile  application f or US ba nk does n't reflect the correct available balance and can differ from the online banking website. The online banking website apparently can have an expansion window that can reflect if you are over your actual available limit where th e Mobile application does n't This can be misleading if you are using the Mobile ap plication and can think your available balance can be an amount when factually i t may not and US bank wil l access an overdraft fee regardless because it goes off the online banking website with the drop down windows. I was assessed a late fee because my account was negative  XXXX  and a  XXXX  one because it was a negative {$1.00} total between the  XXXX  transactions. You ca n't transfer anything less then {$5.00} between your accounts. I was assuming my account had {$26.00} and transferred {$5.00} to another account leaving a balance of {$8.00}. On more then  one  occasion I was charged an overdraft fee because the Mobile application was different then the online banking website.

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 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XX/XX/XXXX    Credit Bureaus (  XXXX /Transunion/  XXXX   ) To whom it  may  concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  XXXX   XXXX   (  Signature Loan )  XXXX  Verification of  13  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (  Auto Loan  )   XXXX  Verification o f 19 l ate payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (   XXXX  )  XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  (  XXXX   )   XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX  XXXX , 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 2019-12-09
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This collection company keeps calling saying I defrauded a company and I am going to jail. When I told them that their tactics to collect a debt were illegal the woman proceeded to tell me I was trash and I couldnt pay my bills and I was a bad mother. When I called back to speak to a manager I was told I was white trash and that I couldnt pay my bills and I was a bad mother. The. They hung up on me and refused to give me any of their I formation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is for the house that I lived in and owned but was for a different unit. I purchased the house back in XXXX of 2017 and originally had utilities included. After realizing how expensive it was and having my tenant eventually move out I had the lease updated to reflect that the tenant would now be responsible for the utilities. It appears that the account was still used after they moved in without my knowledge. The tenants were responsible for their own utilities. I request it be removed. I called and they said this account had been sent to a collections company which was also down without my knowledge. I had already gotten this resolved with two other accounts they made the same mistake with for the same household.. I guess they missed this one. Now this is affecting my credit negatively which is problematic because I have goals and dreams that require an accurate depiction of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Millco Management
State: DE
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:
Follow Up to Complaint/ XXXX AMERIFINANCIAL responded to my complaint by stating that they never recieved a request for validation.I am resending this request along with photo proof of my request to the address that has been provided ( XXXX XXXX XXXX XXXX , MD XXXX ) I am also sending HIPAA violation letters to each of the credit bureaus which include my intentions to pursue litigation if this matter is not resolved and the damage to my credit profile has not been repaired. 
ACCOUNT # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: OPORTUN FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have   XXXX   inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.       XX/XX/XXXX    XXXX  / XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX I pulled my free annual credit report, after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX   XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-07
Company: Global Lending Services LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have contacted global lending services months ago whereas they had my payment date 10 days before my actual payment date of the XXXX of every month. They had charged me numerous late fees and even 3 late fees in one week ranging in amounts from XXXX dollars to XXXX dollars. I've asked them to review and credit back said fees I've already paid and they refuse. I've contacted them for over 2 weeks now about this and they are just rude and unhelpful. I need this fixed, if you do this to me, who else are you illegally charging?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
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:
I never gave permission for Transunion to report anything on my consumer credit report. This is a clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. & & Transuion never sent me any results of my request to dispute information. This is another FCRA violation committed by Transunion. Transunion is holding me up from bettering my life as the consumer. These are these accounts : ______ XXXX  Account # : XXXX __ CXXXX XXXX XXXX XXXXXXXX Account # : XXXX __ XXXX Account # XXXX __ XXXX XXXX Account # XXXX __ XXXXXXXX XXXX XXXX Account # XXXX ___ XXXXXXXX XXXX Account # 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 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The account XXXX XXXX listed on my credit report has changed 3 to 4 times with less than a months time. I have submitted a dispute over and over again with transunion and reached out the the creditor. Whether online, mail, or by phone no one is ever able to give me and answer or fix my problem. This account is settled and I have sent the letter from XXXX XXXX. I am getting no where all while trying to buy a house and if not able to obtain financing due to this not being fixed I will pursue legal help. I am attaching the letter with this complaint.

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