BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Rocket Mortgage, LLC
State: WA
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 engaged with Rocket Mortgage for a home loan in which they suggested I work with their credit department to improve my credit score. I did engage with them and they told me to payoff two debts totaling {$6500.00}. They told me that they needed to wait 10 days before pulling my credit so that the new balance of my debt accounts reflected on my credit report. I was told that by doing this it would raise my credit score to over XXXX. However, after a few days I noticed that I was getting alerts for my credit being pulled from XXXX. I then got a call from my mortgage broker who told me that he was sorry but someone pulled my credit without my permission and that it lowered my score. By lowering my score he told me that I would need to come to the table with $ XXXX more money to close and now I will have a higher interest rate. In trying to resolve this with them I have gotten no where. They have not only made it so I have a lower credit score but that credit score being lowered also translates to everything that is attached to my credit. I will now have to pay more for insurance and if I were to try to get another home loan I cant because my score is too low at no fault of my own. I feel I was mislead by Rocket Mortgage and want them to pay to repair my credit and to pay me back the {$6500.00} I was told I had to pay off in which I didnt because it made no difference due to their faulty practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank set myself and my significant other as " primary co-borrowers '', however I can not access the account as they say it is listed with his name first. I can not set up online access to the account, or billpay for electronic payment. they have already told me they reuse to change it unless I return the items I purchased and refinance them. 
They also have said it does not matter that when the account was created my significant other and myself both requested I be listed as primary. 
To make matters worse, this leaves me with only the option to wait for statements in the mail, of which they have informed me that the statement would be GENERATED on XX/XX/XXXX and would be DUE XX/XX/XXXX. and they can not guarantee mail delivery, and I should sign up for electronic delivery. I can not sign up for Electronic delivery because I am not recognized on the account since I am not listed first.

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 2020-06-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On todays day of XX/XX/XXXX, at approximately XXXX CST XXXX a man named XXXX XXXX called my niece in Pennsylvania and advised her that he was calling about my XXXX XXXX XXXX and I had until noon EST today or I would have my rights forfeited. First of all, I have no idea how this man located any information about my family. He discussed my personal information with my niece under false pretenses. My car account is in good standing with my car loan company. The name of his company is XXXX, XXXX XXXX. The number he gave was XXXX Ext XXXX. I called him at approximately XXXX CST and he wanted my birthday and I refused. I told him he had no right to call my niece about my car. He said he was recording the phone call and I advised him that I was recording as well. He hung up on me. At approximately XXXX CST, I called back. He answered the call and I asked for a manager. He put XXXX XXXX on the phone. She repeatedly argued, lied and refused to give clear information about this supposedly payday loan in my name from Ace Cash Express. She said I could pay her company or it would stay on my credit report. I asked her what credit report and she couldnt say. We argued about calling my niece, violating my rights and for threatening unlawful actions. I told her to cease and desist immediately. She said I would have to write a letter. She also said that I would have to find out about this balance of {$1500.00} that I owe. I asked her how did she get my name, etc. and she said from a third party. I asked her if her company was a debt collection company and she said no. She said my employer was XXXX XXXX. Thats a lie. I havent worked from XXXX due to a XXXX. I asked her for the physical address of her company and she gave me an address in XXXX XXXX, FL. I told her that her company violated the Fair Debt Collection Practices Act and I was going to report them. I told her that I was recording the call. She hung up on me. Her company has violated my rights under the FDCPA and FCRA. I want them out of business for unlawful practices. They lie and harass the consumers. If there are any consequences for their actions, please pursue it to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Tried to re-insert debt that has already been removed from my credit file. They simply are n't allowed to do this. Also, the details are wrong in the date of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
Home Depot Credit Services, as managed by Citibank, deliberately does n't contact customers appropriately when charging them exorbitant finance charges. 

Home Depot / Citibank charged me a late fee because my payments were one day late, despite being a loyal customer who has paid off significant purchases on time. This had a cumulative effect over a few months ; even though I thought my full balance had been paid off, I was hit with almost {$1200.00} in finance fees because late fees extended the payment beyond the promotional balance period. 

As a result, Citi is claiming that I owe them {$1300.00}, which is composed entirely of their finance charge and late fees. My full balance was paid off on time, albeit a single day late. This is clear from the uploaded statements. 

What 's even more interesting about this is : ( 1 ) Home Depot / Citibank have my email address, which they use to send statements, but they never sent me an email indicating that I was being charged late fees. 

( 2 ) Home Depot / Citibank does n't offer an alerting feature, as do most other major banks, so I that I can be notified if I 'm charged a fee or interest. 

( 3 ) Home Depot / Citibank does n't indicate in the statement emails that they send every month that I 've been charged a late fee, as you can see from the copy uploaded. 

( 4 ) Home Depot / Citibank claims to have " tried multiple times to reach me, '' but when I asked why I never received a voice mail, their chat agent informed that they " do n't leave messages '' ( as you can see from the chat transcript that I uploaded ). 

( 5 ) Home Depot / Citibank clearly has my mailing address, but the first notice that I received in the mail was a letter on XXXX XXXX, 2016 ( dated XXXX XXXX ) saying that my account was in past due status. This was the first notice I had of this issue. 

I contacted them to try to reach a reasonable settlement, but they refused to offer any recognition of either the unreasonableness of the finance amount, or of their poor customer communication which is clearly meant to help them to collect finance charges and late fees. 

Given how poorly Home Depot / Citibank handles communications around this and their lack of a reasonable approach to resolving this, I believe that this is action that the CFPB should be aware of and investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: FL
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:
XX/XX/2022 XXXX Citibank pulled my credit unauthorized without my consent and no obtained signature. I made numerous complaints.

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 2020-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited a paycheck that didnt have the signature from employer by accident the bank didnt notice and cleared the check, when they saw there was no signature they took the money back out of the account and it returned to normal balance. They claim they gave me a {$530.00} credit for check which is false because my account balance returned to normal after they took the {$530.00} back, they then claimed I overdrew at XXXX  but my account is set up for no overdraft protection so it would have been declined. Then they asked me when I was issued credit, I told them thats why Im calling because I never received a credit nor did i need one. Then they told me they're system shows different then what I can see on my transaction history and I am actually negative {$530.00} because of a system that they can see and I cant. That is no way to do business or help someone keep track of they're balance to have a different system that only they can see and not you Ive never heard anything like this in my life. I just want the money returned so I can have my account back to normal and no fees incurred because of they're negligence.

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 2016-06-14
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CITIGOLD Interest Checking Account with Citibank with a promotion that would give me XXXX to XXXX XXXX Points as promotional offer if I satisfy certain certiera with my banking relationship with them listed explicitly as - '' Qualifying Direct Deposits are Automated Clearing House ( ACH ) credits, which may include payroll, pension or government payments ( such as Social Security ) by your employer, or an outside agency. 
Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking ( including bill payments made using Citibank 's Telephone XXXX Bill Payment Service and Staff Assisted Bill Payments ), Citibank Online, CitiBusiness Online and Citi Mobile XXXX XXXX XXXX. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates. 
-The bonus XXXX XXXX will be credited to your existing XXXX Member Account within 90 calendar days from the date when you completed all offer requirements. 
-To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I opened the account before the deadline date of XXXX/XXXX/2016 and I satisfied two consequective months of BillPay in XXXX, XXXX, and again in XXXX Respectively. 

When I contacted CitiBANK about the status about my promotional reward, the company sent a generic message renegotiating on this term. In Addition, I have contacted the company over the phone, and after XXXX40 minutes with a representative, they would repeatedly hang up on me, leaving the issue unresolved. 

I have been very unhappy with CITIBANK, as they have not kept their promotional promise, despite me keeping my end of the contract.

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 2020-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
i am trying to protect myself from fraud i received XXXX XXXX card i did not apply for from bank of america I can't get through cs i am setting here wasting another day trying TO REACH THE BRANCH OF BANK OF AMERICA THAT ISSUES THESE XXXX XXXX CARDS TO EMPLOYERS AND I CAN NOT GET THROUGH. I CALLED MY CREDIT CARD AND THEY WOULD NOT HELP ME BECAUSE I DO NOT HAVE THE SAME # I HAD A YEAR AGO SO THEY CAN VERIFY THAT IT IS ME. THIS XXXX COMPANY OF XXXX WILL NOT HELP ME PROTECT MYSELF FROM FRAUD. SO I AM i am FILING THIS COMPLAINT. I GAVE THEM 4 FORMER ADDRESSES MY SS # MY DOB AND THESE DEMONS OF XXXX PUT ME ON HOLD BECAUSE I GOT ENRAGED. then I CALLED BACK WAITED FOR 20 MINUTES GOT A supervisor WHO gave me the # to money network from metabank SHE TRANSFERRED ME AND THEY HUNG UP ON ME I CALL BACK AND WAIT 30 MINUTES FOR THEM TO TELL ME THIS WAS ISSUED BY XXXX  PERSONNEL FROM WHEN I SIGNED UP 4 OR MORE YEARS AGO. THEY ASKED THIS COMPANY TO SEND ME A NEW CARD WITHOUT EVEN TELLING ME. NOW I WASTED DAYS JUST TRYING TO FIND OUT WHO THIS WAS WHEN ALL BANK OF AMERICA HAD TO DO WAS LET ME KNOW WHO IT WAS THE FIRST TIME I CALLED. BUT NO DEMONS WANT TO ENRAGE US AND PLAY WITH US. BUT XXXX XXXX IS MY DEFENDER AND YOUR GOING TO DRINK THE CUP OF EVIL YOU KEEP GIVING ME.

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 2016-05-30
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1 I have been paying my mortgage to Gregory Finance Company for 3 years and now I need to refinance my mortgage. They have not sent my payment history to the credit bureau. 
2 I was verbally told by them I need to pay {$1800.00} to bring my account current which was due to some disputed charges. I was to get back {$5900.00} in escrow and to date they have refused to pay me back my escrow overage. I could not get any written communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There are fraudulent charges on my credit card. I have asked Citibank 3 times to close this account but it does n't get done. I just received a notice that a payment is due after I called Citibank and was told that they would take care of this. I have had XXXX different account numbers for XXXX different cards in the past XXXX mo.

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 2016-07-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
Home Depot is charging me unfair finance charges every month. I have {$600000.00} ready to pay and the bill is {$6000.00}. Everymonth is unfair charges of {$120.00} and {$110.00}.

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 2023-01-17
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor Experian ( membership # XXXX ) has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. Under 15 USC 1681 section 604 A section 2 says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-06-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I pulled my credit report and found this account with your companys information on my file : Account Name ENHANCED RECOVERY CO L Account Number XXXX This account does not belong to me and I need it to be removed off of my credit report ASAP. According to the FCRA Section 605 ( b ), any fraudulent accounts that are on my credit report must be removed off of there within 4 business days. I have also attached my identity theft report as well. Please resolve this issue in a timely matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Bureau keeps reporting addresses and accounts that are not mine. They initially delete the addresses and then report them again. The accounts have not been verified and I have requested several times now for verification which is my legal right under the FCRA and to date I have received NOTHING in form of signed contracts, authorization signature or, anything else they can provide to verify these accounts from the credit bureau and/or creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission.

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 2016-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax has been sent a letter of dispute and was given 30 Days to respond to the first Dispute. 30 Days after not responding they were given 15 Days to Remove the account that they never responded to or disputed. It has now been almost 60 Days and still no response from Equifax in regards to my dispute. Please see attached the return receipt request as well as the documents that were mailed each time for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My muturity was fulfilled as of XXXX XXXX, at this time i assumed my obligation had been fulfilled and would be due my title. I called in to discuss my title and at that time the representative stated i only owed $ XXXX++ in fees in which she also put in a request to have {$150.00} of that removed. I assumed this would be the amount to receive my title. Upon calling Santander about a statement i received after i had reached the muturity date stating that I owed an additional $ XXXX+ in order to receive my title, i was told it was interest and fees from deferred payments. This is absurd due to the fact the additional months of deferred payments had already been added and paid. The representative continues to try to explain their procedures of adding on these astronomical amounts for deferment even if you have paid for the deferments which only charges $ XXXX+ or less for the deferment. I have been paying on my car since XX/XX/XXXX at the amount of {$500.00} per month with an absurd interest rate. Even though I have had medical issues during this time i struggled to make payments and was excited to finish but to no avail. Santander has clearly misrepresented their intentions and consumer is not given a clear explanation of risks of deferments. They have ruinef credit after struggling so long to bring my score up as they are reporting delinquent and late because I do n't owe this amount. If a consumers statement says a certain maturity date they should adhere. This is unethical practices, please help.

Company response to consumer: Closed with explanation