BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: WA
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses that are on my credit report are not my addresses.I have had an issues of identity thief.I filed a police claim and everything to have the issues resolved.I also filed complaint/dispute to the credit bureau ( Experian ) about my identity being compromised, and the information is still there.

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 2022-06-10
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX fraudulently sold my information to this company. This is not my debt in the first place. They keep calling all during the day harassing me this matter and I keep telling them they have the wrong guy. That still doesn't stop them from calling. I tried calling XXXX about this matter but all they have is an automated service and its pretty much impossible to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a letter from American Express Blue Sky award card on XXXX XXXX, 2017 saying my FICO score was low and I had serious delinquency on more than one account. There also was minimal activity on my account, which is true. I asked if I could reinstate the card and they took information from me and sent another denial letter. I called to redeem my points, and they asked me questions that were supposedly public record such as my drivers license, height, and the last card I had leased and they said I answered the questions incorrect and it locked up their system. They told me to call back at XXXX and they would assist me again and the system did it again. Now they want me to call back in 24 hours and they will try again. Not sure where they are pulling my information from public record, but I know exactly how tall I am and my drivers license number. I tried talking to someone in the fraud department and they just blew me off and said I had to solve this with the rewards department. What do I have to do to prove to them who I am?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt- 15 usc 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt ;

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 2022-06-10
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My name is XXXX XXXX.my car was stolen and i fouled a police report... i don't understand why my case was closed and that was put on 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 2021-07-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I was informed that my account would be closing and all debit cards was blocked and I couldn't retrieve my online banking account. I was told by numerous representatives from the Fraud department to go into a Citibank branch to withdraw my funds. They all knew that I lived in XXXX XXXX XXXX not XXXX XXXX  XXXX, 6.5 hours away 9 hours by XXXX bus which I took from XXXX NY to XXXX XXXX XXXX on XX/XX/2021, paying {$150.00} round trip to the Citibank branch at XXXX XXXX XXXX XXXX, NY. This has been going on for almost a month now. I went to the Branch and Citibank would not release my government funds. Citibank is holding my New York State Unemployment checks deposited into my account during this Pandemic. I was sent across State on lies being told by many representatives. The bank manager at the XXXX location in XXXX XXXX, NY also spoke with the Fraud department letting them know that they are misleading customers and holding on to Government funds belonging to a customer. She asked that they refund me as soon as possible. I followed up on Friday XX/XX/2021 and I am still getting the run around after almost a month. I am sickly and traveling when I shouldn't be to retrieve my funds back from Citibank. I had to borrow funds to get to XXXX XXXX XXXXXXXX to the branch and I had to borrow money to feed my children for 2 weeks. Too much pain and suffering. I also borrowed the money to get to the branch just to find out that Citibank lied to me on several occasions. I traveled to XXXX XXXX  XXXX with 3 XXXX XXXX in my XXXX, weak from very low XXXX XXXX, but I had to do what I had to do but was done on lies coming from Citibank representatives.

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 2017-10-25
Company: CAPITAL ONE 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: Information belongs to someone else

Complaint:
sent police reports XXXX is taking more than 45 days to remove my items that was taking off by their competitors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This account is Fraud, I never give anyone permission to pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank refused to honor me welcome bonus XXXX XXXX miles after I have met all requirements of the advertised promotion on opening new credit card. [ Requirements : {$4000.00} purchases by XX/XX/XXXX ] I have made $ 4000+ purchases by XX/XX/XXXX. 
However, Citibank refused to issue the miles by abusing advertised terms over definitions of 'posted dates ', instead of using the actual 'purchase dates ' to calculate the time during of 'four month ''. Specifically for two transactions I made on XX/XX/XXXX. 

Transaction # 1 : XXXX XXXX XXXX XXXX XXXX CA {$200.00} Transaction # 2 :  XXXX XXXX {$65.00} The date when both of transactions were made is XX/XX/XXXX.  PDT ( the timezone where my profile address locates ) Citibank argued that : by XX/XX/XXXX. I made less than {$4000.00} purchases because two transactions were posted on XX/XX/XXXX. 

I am absolutely aware of the fact that time difference between posted date and purchase date for credit cards. However, Citibank should have made the terms clear in Welcome Bonus requirements : for example : {$4000.00} purchases in first four month ( purchases date are the date being calculated into the first four month ) ... etc.. According to the promotion invitation letter I have received from Citibank, there was no such clarification. 

Therefore, Citibank exploited its confusing and misleading advertising terms as excuse, to refuse to issue welcome bonus to me as a new card member. 

Thereby, I am seeking for a fair solution from Citibank through CFPB platform.

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 2022-06-10
Company: Profit Services Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of months ago I noticed a debt collection notation appearing on my credit report. It was from profit services group for {$820.00} dollars. I sent them a letter over a month ago asking for an itemized bill and an explanation of the supposed debt and for harassment to cease in the meantime. XXXX said my letter was delivered and signed for but I never received a response. Then last week I got a second derogatory mark from them on my credit report for the exact same amount, XXXX dollars. It doesnt seem legal to report the same supposed debt twice to the credit agencies and they didnt respond to my letter so I dont have any information. I get 4-5 calls a day and would just like to know how and when I supposedly incurred this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company : Loan Depot Type : Mortgage Re-finance Loan # : XXXX MIN : XXXX History/Reason for Complaint : - Documents were signed by me and sent back through the Notary for closing. It has been over 3 weeks since signing and LoanDepot has not closed or re-funded my re-finance yet. 

- No communication is being provided by LoanDepot as to an XXXX for closure OR why the re-fi is not closing from their end. I have asked for status updates on email atleast 3 times and have called them several times but was unable to get an answer from the company. 

- I had specifically asked XXXX XXXX ( Loan Officer ) how long would the re-fi process take at the time of sale and she wrongly said it could take as long as 60 days but in most cases loans close within 30-45 days. We are at over 90 days today since the rate lock and i am being left in the dark as to why my loan is not closing. See below for emails asking for update on my loan closure. 


Other Complaints against Loan Depot : - - I called LoanDepot asking for a re-fi on XX/XX/2020. They gave me a rate of 2.625 for 30 year fixed and said there would be no fees or closing costs like Title Company Fees or Title Closing Fees etc associated with the loan. The answer i got from XXXX XXXX ( Loan Officer at Loan Depot ) was that there would be NO fees or cost associated with the loan. 

- Upon receiving the closing document I saw fees worth $ XXXX were levied to me. 

- XXXX XXXX was XXXX XXXX Manager called me to discuss this and spoke very unprofessionally over the phone. He tells me to canceling the loan would be my best option. Really? I mean after making a customer wait 60 days with lies the company asks customers to cancel? 

- I escalated this to XXXX XXXX boss ( Mr. XXXX XXXX ), who asked Customer care to initiate an enqury. I never heard back on the findings. Finally, Mr XXXX tells me there was nothing LoanDepot could do to honor their own words about removing the closing costs. Several emails were exchanged during this communication. 

- At this point, i had given up and accepted to bear the closing costs because the only other option that was provided to me was to cancel the loan. XXXX had asked Customer Care to look into the call transcripts to find out details but no one from customer care or service ever responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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 sent a letter to the XXXX Credit Bureaus XX/XX/2022 to repair these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-07-26
Company: MIDCOUNTRY FINANCIAL CORP
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: Public record information inaccurate

Complaint:
The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XX/XX/XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.

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 2022-06-10
Company: EQUIFAX, INC.
State: NY
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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I, XXXX XXXX XXXX received FIFTH THIRD BANK adverse letter dated for XX/XX/2022. It stated I was denied due to the inaccurate information received from the consumer reporting agency/agencies : XXXX, XXXX and XXXX. 

Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!! 

On XX/XX/2022 I initiated a credit transaction with FIFTH THIRD BANK, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to FIFTH THIRD BANK with my Credit Card, card number ending in XXXX, in return for me obtaining a mortgage loan or better defined as money under 15 USC 1602 ( l ) to purchase my future home with. Unfortunately, FIFTH THIRD BANK has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ).

In result of this adverse action, FIFTH THIRD BANK has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. FIFTH THIRD BANK in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from FIFTH THIRD BANK unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction .

In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, FIFTH THIRD BANK shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under 15 USC 1602 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I received via email from AMEX a promotional offer to upgrade my Gold Card to a Platinum Card. The deal was that if I spent {$5000.00} over the next 3 months I would receive XXXX reward points. I followed the link in said email, applied for the upgrade, was accepted and received my Platinum card sometime in XX/XX/XXXX. Despite having met the {$5000.00} commitment and then some I never received the point reward. I have contacted AMEX on at least 3 separate occasions. The inquiry is made by the representative I speak to and I am advised that I will receive notice of their decision via mail, email or a phonecall. Not once have I been contacted. Each time I have to call them again to find out what has happened with my complaint. Their response now for the 3rd time is that they did not solicit my business through an email ( according to their data ) and therefore I am not eligible for the reward. An Amex rep I spoke to in XX/XX/XXXX confirmed that there was indeed a promotion out there to Gold Card Holders about upgrading to the Platinum Card and she resubmitted my complaint as a result. Note : I would never have upgraded to the Platinum Card had it not been promoted to me. I have been a Gold card member since XX/XX/XXXX and had no need or desire to switch until this offer was received by me. I am about ready to cancel my card and never use Amex again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
JPL ROCOVERY AT PHONE XXXX X XXXX - XXXX XXXX HAS CALLED REPEATEDLY. HAVE CALLED AND HARRASSED FAMILY MEMBERS AND FRIENDS REPEATEDLY EVEN THOUGH THEY WERE TOLD THAT CALLING A THIRD PARTY AND LEAVING A MESSAGE WITH A THIRD PARTY TO CONTACT ME IS AGAINST THE LAW. THEY DID NOT CARE AND SAID THEY WILL CALL WHOMEVER IS ASSOCIATED WITH ME TO FIND MY WHEREABOUTS. THAT IS HARRASSMENT.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation