BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: BMW Financial Services NA, LLC
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:
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from BMW Financial Services. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX  credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Debt Recovery Solutions, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Atlanticus Services Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I financed an exercise machine from XXXX. The financing is done through Fortiva XXXX and I have been waiting for refund for 4 months. Both companies are at fault, they both keep sending me back and forth.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-05-20
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: APR or interest rate

Complaint:
XXXX/XXXX/XXXX made a purchase for {$2500.00} at Home Depot using my Home Depot credit card through Citi Bank. Transaction was supposed to be set up for 24 months same as cash. I made a second purchase on XXXX/XXXX/XXXX for {$230.00}. 
I have been paying $ XXXX month since XXXX XXXX. Instead of setting my original purchase up for XXXX mos they set it up for 6 months in be known to me they started charging me interest on my purchase. Once I realized the issue I called credit services on XXXX/XXXX/XXXX and pointed out it was supposed to be 24 months same as cash. They have corrected that and out both totals due on XXXX mos however I have made at least XXXX additional calls since XXXX because they are not crediting me the {$720.00} in back interest that they charged me when they ended my promotion at the 6 mos mark. I have called 4 times and have gotten the same response to allow XXXX billing cycles ( which has come and gone ) and then have been passed around customer service to the customer advocate unit and they all say " oh I see where it was requested but nothing has been done, I will send another request ''. I am done with their excuses when I owe money I get calls and emails and threatening late payment fees but when they are due to credit me they drag their feet and nothing is being done!

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 2021-03-17
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2021 Money was taking from my account through the drive through teller without my consent after it was a conversion that I owed a balance before I could make a withdrawal, I was called the police and and humiliated in front of my mother. 
The company did give my money back but I suffer physical mental and economic deterioration from what happened and the slander and libel comments of negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last XXXX, I opened a citigold account with an promotion bonus XXXX XXXX miles. The requirement is spend {$1000.00} in the first XXXX months and made XXXX consecutive bill payment. I finish all of the requirements by XXXX. 
In XXXX, I contact with the customer service of citibank, they confirmed that I will received the bonus by XXXX XXXX, 2016. However, I did n't received any bonus miles. 
In XXXX, I contact several times with customer service of citibank, they refuse to give me the opening bonus and said there is no promotion associate with my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
I became aware of a erroneous derogatory mark being reported from XXXX. chexsystems is showing a paid off and settled in full and its been over 5 years ago. I was unable to open a checking account with a local bank because of this 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 2022-08-04
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be removed promptly. 
XXXX XXXX Balance : {$0.00} ; DEPTEDXXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This debt company sent the first coorespondence to me via email at my job and stated they were a debt collector. My work email is not owned by me but instead the company I work for and my assistant opens my email. The embarrashment was overwhelming. When I called and asked why they did n't call my cell or send a letter to my home they stated I gave the email address to verizon so they felt it was okay. By the way, the only reason verizon had my work email is because that is how they confirmed I was eligible for the discount. 

This practice is not at all right and needs to be addressed as it has caused me embarrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2015 I accidentally entered the incorrect routing number for auto-pay on my Citibank Credit Card. Subsequently, my payment was late because I did not know I had done this. I called to have this changed, because I was unable to make the change myself on line and I was told that it would be handled within 10 days. After numerous calls and on-line support events, this issue is still not fixed - 4 months later. Citibank Tech Support in Kentucky told me this is a known issue and thay are working on it. But seriously, 4 months? During this time I was twice asked if I would like the paper forms sent to me so that I can complete the forms and mail them back. I have never received this forms. While this is a minor to the bank, I 'm sure, it concerns me because I wonder what else is not working properly within their on-line system and how reliable is the other data that comes from it, and for that matter, how secure?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My Macy 's credit card number was used to make purchases at Macy 's stores in XXXX XXXX while I was in New York. I still have possession of the card, so I assume it was some form of spoofing. I noticed the charges within a few days and notified Macy 's they were not mine. I have filled out a fraud affidavit and returned it. 

I now get several phone calls a day beginning at XXXX XXXX. In general I do n't answer, but when I tried to pick up I discovered the caller hangs up after two rings. I called back the number from the Caller I.D . log and determined it was Macy 's bank. I called Macy 's bank and asked them to stop, but the calls continue. 

There have also been negative reports to various credit bureaus. 

This is Macys bank rather than Macy 's itself. The fraudulent charges have been removed from the record of my actual Macy 's account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX AAdvantage number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and I was told by Citi to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 2021-03-17
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer refused to send me paper statements which is my preference. Also I think in violation of the law ( Truth-in-Lending Act and the Periodic Statement Rule ) My mortgage servicer : Specialized Loan Servicing. 

I called and spoke to agents about this on XX/XX/21 ( XXXX ) and XX/XX/21 ( XXXX ). My complaint was " escalated '' but no one came on the line during the 15 minutes I waited.

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 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.

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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
TransUnion/XXXX  has continued to falsely publish two accounts from XXXX ( XXXX XXXX XXXX ). I have reported these accounts are not mine nor do I now or have I ever had any agreement of any kind for any amount with XXXX. TransUnion/XXXX has claimed the information is correct from an unverifiable data furnisher. Regardless what a data furnisher states, it should be given less weight than the alleged account holders statements. I have also proven XXXX has never sent me any proof of these alleged accounts. I can not attach any documents of proof as Ive never had any accounts with XXXX nor has XXXX sent me any detailed proof of these alleged accounts even though I have requested this detailed information many many times.

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 2021-03-18
Company: Premium Credit Bureau
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:
Ive provided more than enough on my other applications this has been on my credit for a while and I need them taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I opened my account on XX/XX/21 and submitted all necessary documents needed to open the account. Gemini accepted my deposits and allowed me to purchase Bitcoin on three separate occasions which I have attached the transaction history. When I noticed the price of Bitcoin going up I wanted to withdrawal my profit but I then found out that I was not yet verified even though I was able to purchase Bitcoin. It has been a month and I have sent multiple emails to Gemini support and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
When my car was repossessed, I never received a " Notice of Disposition '' to notify me where and when the automobile would be auctioned off. Also, I never received a " notice of intent '' within 15 days prior to the auction sale. Under California laws, The lender is prohibited from attempting to collect a deficiency balance under these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Loan Science, LLC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My loan payments are current. They are calling me and the co-signor every XXXX minutes from morning until night. When I do answer the phone and talk to them they see that I am current and state that it is a " glitch '' in the system. However they are still calling every XXXX minutes to both of us and this has been going on for at least 3 weeks now. I am getting ready to call an attorney. Please help. Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am still waiting on a response from Case number : XXXX in XXXX 2016. Santander uses the excuse that the loan was modified. However, Santander has failed to provide any updated documentation that the loan was modified and due date extended. Nor has the loan maturity date on my monthly statements updated to reflect what Santander is " communicating ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Green Square Company LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous phone calls for a fraudulent payday loan and have called my employer, my home and in laws. I have told the company this is in error and they have threatened to take me to court etc. please address this situation. The phone number they call from is XXXX and they said they are from the XXXX

Company response to consumer: Closed
Consumer complaint received 2015-07-08
Company: Green Square Company LLC.
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Was mixing up the date the. Loan was take. OutHung up on me many timesRefused to sent me a written notification of collection or bill until I gave personal banking info for payment. Debit was over 5 years old. Never on my credit he said it went to XXXX different collection accounts

Company response to consumer: Closed
Consumer complaint received 2016-02-14
Company: Synovus Bank
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
on XXXX of 2015 I had purchase a copy of my credit report and noticed that few items on that report that did not belong to me. included I n those items was a credit card from first progress credit card. I had disputed this account with credit bureaus and also i sent to first progress a letter stating to them that this account dose not belong to me. as of this date I have not received not even a phone call from first progress. I am here to get your help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been pushed into multiple forbearances and now that those are over, Navient refuses to offer any type of relief. I can not pay my loans without sacrificing the well-being of my family. I work two jobs to make ends meet as it is and Navient absolutely refuses to help in any way. I am on a standard repayment plan. My balance is a little over {$13000.00} and my repayment amount is over {$350.00}. My interest rate is stuck at XXXX % and has risen on multiple occasions. Navient will not lower the rate, change my term, or assist in any way. When I tell them that I can not pay, they do not care. They inform me that there is no way to get out of this loan and they will get their money. 

I am not trying to skirt my responsibilities as a borrower. I am simply burdened by mounting medical bills that are severely reducing my ability to pay. Additionally, I paid a {$100.00} fee to place my loans in forbearance in XX/XX/2016. Navient then reported my payments as more than 60 days late in XX/XX/2016. This caused my credit score to tank. This, in turn, has raised my car insurance rate, my mortgage insurance rate, and my credit card rates. I am being screwed over by Navient.

Company response to consumer: Closed with explanation