BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: DISCOVER BANK
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST ADVERSE ACTION DATED XX/XX/2022 Recently, I, was denied an extension of credit by Discover. On XX/XX/2022, I applied for a personal loan. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act o proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). XXXX has violated my federally protected consumer rights : 1.15 U.S Code 1642 2.15 U.S Code $ 1681M 3.12 CFR 1002 Since the letter you sent me dated XX/XX/2022 reference number : r XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Discover should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violation Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened citigold account XX/XX/2016 with a promotion code which said will provide XXXX TYP points once I make two consecutive monthly bill payment. After I applied the account online, I called to their service center and the agent confirm the offer. After I reach the requirement, I online chat with citi agent, and they confirm I met the requirement, and will receive the points after 3 month from the day I opened the account. When the time came, I did n't receive anything, and I did the online chat again, the agent once again confirm that I will receive the points, and asked me to wait. After another month, I called to the service center, the agent helped me to submit a points request, after 10 days I recieved a mail claimed I 'm not target to the promotion, so I wo n't be able to receive the points. I called another two times, they all end up with a mail with the same not target answer.The third time they ask me to fax the online chat history as the proof that their agent promise me for the points ( they should be able to achieve all those information, since they recorde all the phone call and chat record ), I did saved the chat history, and I fax them the whole chat, but at the end I still on receive the same mail with the same answer. I 'm so fraustrated and end up close the account. But recently, I saw many people got the same situation and be awarded the promised promotion bonus. It 's so unfair.

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 2015-03-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank closed credit card ( XXXX ) and transferred the card information to credit card ( XXXX - {$8500.00} ) WITH THE EXCEPTION of the credit card limit ( {$12000.00} ) ; and DID N'T NOTIFY me UNTIL after they had completed the transaction. So Citibank credit card ( XXXX ) should have a credit card limit of {$20000.00} instead of the stated {$8500.00}. 

I value my FICO score and do n't want to see the above present reduced credit limit on card ( XXXX ) subsequently reduce my FICO score which in the past I have watched very carefully. In the past I have had home mortgages and car loans at the very low interest rates possible ; and I do n't want to see that ruined by Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I called to see about lowering my payment as I am struggling to complete all student loan payments and maintain my other bills needed in order to live day to day and was told time and time again there was nothing they could do to help me with my loan not even defer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: World Omni Financial Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I paid off account and they are refusing to provide proof or report it within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We received a notice from the IRS on XXXX XXXX, XXXX informing us that we owed an additional {$23000.00} on our XXXX tax return due mainly to unreported income in the form of a Cancellation of Debt form XXXX submitted by Citibank. 
We had no prior knowledge of this activity and attempted to contact Citibank for information. We were able to get information that the account activity in question was from XXXX, 17 years ago. We were living in XXXX at this time and neither my wife or I have had any accounts with Citibank. We have never received a bill, a statement or any other correspondence regarding this account. We have made numerous telephone calls to Citibank attempting to get any type of details about this account and have continuously been denied any information. Several of these calls have lasted up to 3 hours while constantly being transferred from one department to another. Our tax prepared requested us to ask for a copy of the XXXX form that was sent to the IRS and even this request was denied. We believe this matter is a mistake on Citibank 's part or fraudulent activity by another party. We request that Citibank either inform the IRS of their mistake or provide us detail information so we can prove fraudulent activity has occurred.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: CA
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:
The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2017-04-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I believe I am a victim of deceptive practices performed by Equifax,   XXXX   XXXX    XXXX , and TransUnion. I am paying monthly fees to track my Fico score with Equifax,  XXXX , and  XXXX . I have applied for  XXXX  loans and each time I was denied by the lender because of the scores reported to the lender by Equifax,   XXXX   XXXX    XXXX , and  XXXX . Equifax has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what Equifax is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of the  XXXX  different numbers presente d (   XXXX  to me and a different number to the lender  ) Equifax ha s lied about providing me access to my Fico score. I filed a complaint with Equifax and   XXXX   XXXX    XXXX  in  XXXX  through the Illinois Attorney General   (    XXXX   reference   XXXX   ) and I  got no results. I was denied a loan on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  based on information received from Equifax and   XXXX   XXXX    XXXX . I was also denied a mortgage loan on  XX/XX/XXXX  based on information from TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, 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:
This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello I sent funds to 2 separate people using money gram because money gram can be tracked and returned if reported as fraud because identification is required. One was for XXXX dollars the other for XXXX on the Friday XXXX XXXX 2017 As well I sent XXXX through cash app which Garuntees safety and security of your funds. Im still dealing with them and hopefully they can resolve but want to make you aware ahead of time. moneygram will not cooperate in the return of funds yes they were picked up but you need identification to pick up I have partial info for sending of payment but they have full info to report to police which I need or they need to do. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX, XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: V and H Portfolio
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:
I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They call me constantly dont have all dates but was called the last few days back to back starting XX/XX/2022 and today XX/XX/2022 theyll call and not leave a message and when i do answer its a robocall i wait for someone to come on and request to not call yet they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
ON  XXXX   XXXX ,  2017 I P URCHASED AN ITEM FROM HOMEGOODS AT  XXXX  FL FOR {$98.00} USING  TJX REWARDS/SYNCHRONY  BANK CREDIT CARD ACCOUNT NUMBER  XXXX   XXXX   XXXX   XXXX . ON  XXXX   XXXX ,   XXXX   I PAID ONLINE THE BILL IN THE AMOUNT OF {$98.00}, THE RECEIPT OF WHICH WAS ACKNOWLEDGED IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017    WHICH SHOWS A NEGATIVE " NEW BALANCE '' O F " (  {$96.00} ) ''. HOWEVER, IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017   , THE BILL CONSIDERED THE PREVIOUSLY PAID " {$96.00} '' TO BE UNPAID, TACKING THEREON A {$25.00} LATE FEE AND AN INTEREST CHARGE OF {$2.00}, MAKING AN ALLEGED NEW UNPAID BALANCE OF {$120.00}. ON  XXXX   XXXX ,    2017, I WR OTE SYNCHRONY BANK DISPUTING THE AMOUNT OF {$120.00} STATING THAT IT IS CONVERTING " MY NEGATIVE BALANCE '' INTO A " POSITIVE BALANCE '' AND CHARGING ME THEREFOR " A LATE FEE OF {$25.00} AND AN INTEREST CHARGE OF {$2.00}, MAKING IT APPEAR THAT I OWE A TOTAL BLANCE OF {$120.00}. '' TO DATE, I HAVE NOT RECEIVED ANY RESPONSE FROM SYNCHRONY BANK. INSTEAD, I HAVE BEEN RECEIVING  DUNNING TELEPHONE CAL LS AND EMAILS FROM THE BANK. AS I HAVE STATED IN MY  XXXX   XXXX ,    2017 LETT ER TO SYNCHRONY BANK, " I BELIEVE THIS IS WRONGFUL AND SHOULD BE CORRECTED AND STOPPED IMMEDIATELY FOR THE PUBLIC 'S PROTECTION. '' PLEASE LOOK INTO THIS MATTER AND ADVISE ME OF THE RESULTS AS SOON AS POSSIBLE. THANK YOU.

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 2022-02-02
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX says XXXX XXXX accessed my credit file? It is locked and I never did credit check with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For over a year now Navient has locked me out of their website so I could not see how my payments were being allocated. I have been making bi-weekly payments to Navient for sometime with the understanding that doing so would lessen the impact of daily accrued interest and thus reduce the principal because payments would be allocated accordingly. Back in XXXX I sent a letter to Navient asking how payments were allocated and true to form they are maximizing fees. Rather than applying my payments to the loan group they resposnded by saying they have the ability to apply accross multiple groups. So in my case on loan has an interest rate of 5.75 % XXXX V ) and the other 9.75 % XXXX V ). I have been paying more on the 9.75 % ( V ) loan but to my amazement when I logged in to view my account after it being unlocked you can see that essentially all the funds I 've sent to Navient have gone to interest only and basically none to principal. This now explains why my loan has been amoritizing negatively and the balance continues to GROW! Navient is of no help in getting payments re-allocated nor do they have any incentive to help those of us who are actively paying on our accounts. Those in my situtation have no outlet and are at the mercy of this horrific treatment and servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: SYNCHRONY FINANCIAL
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:
on the XX/XX/XXXX jcpenney a hard inquire on the XX/XX/XXXX XXXX XXXX hard inquiry on the XX/XX/XXXX XXXX those are hard inquires from my XXXX i did not authorize i lost my wallet and all my personal information was in there and someone used my info. 
same with origententant i guess someone tried to apply for an apartment in my its also on my XXXX and 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 2022-02-03
Company: EQUIFAX, INC.
State: IA
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 negative items on my credit report I also have disputed these items in XXXX and I have not seen any changes or notification as to why these items are on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
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:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

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 2022-02-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX : opened checking acct with US bank due to offer promotion of $ 400-450 from flyer local branch ( requirement : direct deposit total $ 4k for 4-6 months ). Within 60-90 days, the offer cash out will be credited to the acct. 
No credit until, i came to the branch XX/XX/XXXX. Spent many hours going to the branch and phone calls, no follow up. 
XX/XX/XXXX : went to the branch and i was told being researched. The US Bank associate refused to provide me with the upper mgmts contact XX/XX/XXXX : still researching and finally XX/XX/XXXX got the incorrect credit of {$300.00} instead of 400-450. In addition, there was no any compensation of waiting for almost 8months. I filed complain now, because i was in the middle of medical treatment last year. 
Please assist me on this.

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 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The accounts are not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


CAPITAL ONE XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX

Company response to consumer: Closed with explanation