BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: Freedom Mortgage Company
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2020-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XX/XX/XXXX USAA Confirms credits due me from XX/XX/XXXX NOT MADE TIMELY POSTED XX/XX/XXXX ( 9 ) NINE MONTHS LATER. and NOPE AGAIN USAA, TOTAL PAYMENTS & CREDITS for this period are as statement confirms ( see attatched ) total {$400.00} THAT IS MY PAYMENT OF {$200.00} & REFUND XXXX  {$190.00} 3.15 finance 3.35 finance FOR TOTAL {$400.00}. Previously USAA Ms XXXX confirmed credits for XXXX XXXX cell  phone refund {$190.00} BUT HAS NOW CHANGED. This response can be viewed CFPB on line. AGAIN THERE ARE NO USAA. PERMANET CREDITS FROM XX/XX/XXXX FRAUDS REPORTED XX/XX/XXXX THE ONLY CREDITS ARE FROM MERCHANTS AS WELL AS XX/XX/XXXX. NOPE THERE ARE NO USAA PERMANET CREDITS EVER. AND IF I REPORTED ALL THAT FRAUD AS USAA ALLEGES.??? Why are there NO TEMPORARY CREDITS???? WHY ARE THERE NO PERMANET CREDITS??? XX/XX/XXXX Fraud Letter Documents will be made permanet. No temps to make permanet. USAA STEALS MERCHANT CREDITS. USAA IS NOT ZERO LIABILITY AS ADVERTISED. USAA ISCNOT ADA ACCESSIBLE AS ADVERTISED. I AM STILL HELD LIABLE FOR FRAUD OF XX/XX/XXXX NOT RESOLVED TWO YEARS LATER AND USAA ATTEMPTS TO COLLECT ON WHAT IS NOT OWED. USAA DOES NOT ADHERE TO THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am exhausted from Equifax blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting compnaies has 30 days to complete dispute or item in question is removed due to its unverifiable status. I will not stand for this anymore Equifax needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst Equifax. Equifax clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 XX/XX/2021, we entered into an agreement with XXXX XXXX XXXX to complete the upgrade for our shower. Unbeknownst to us, XXXX went to Synchrony Bank to finance the project without our consent or knowledge. During the construction we saw that the materials and quality of work was not up to par with what was agreed in the contract. We contacted XXXX and requested they send someone to our home to witness what was being installed and the quality of the installation. They did not show after promising that they would send someone. 

After several months we sent XXXX a certified letter along with a faxed copy requesting that effectively immediately the contract was deemed null and void and for them to come and remove all tools and material from our home. They did not or have not come and removed the tools and material. 
Several months later we received a payment notice from Synchrony indicating that XXXX XXXX XXXX was paid for the project and this payment was not agreed to by us. 
We also sent Synchrony a letter protesting the payments along with the letter and pictures that we sent XXXX  indicating the lack or quality and incompletion of project. 
We received a response from Synchrony indicating that they had completed an investigation and their decision was decided on XXXX behalf. We requested a copy of their investigation into this mater and as of this date, have not received a copy detailing the basis of their decision.

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 2016-04-12
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC repeatedly requested duplicate information which I mailed or faxed multiple times. In addition, they had access to 3 years of tax returns directly from the IRS. They still declined my modification request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On  XXXX   XXXX ,    2017, I had a nam e change. I notified all  XXXX  credit bureau 's and supplied all legal documentation, court order, social security statement, drivers license, etc.  XXXX  and   XXXX   have updated my report. TRANSUNION STILL HAS NOT PROPERLY UPDATED MY NAME CHANGE, IN FACT THEY CHANGED TO SOME FALSE NAME THAT DOES N'T EXIST, USING "  XXXX  '' INSTEAD OF "  XXXX  '' AS MY FIRST NAME. AND THEY ARE STILL KEEPING MY OLD NAME On the report. I have sent them numerous letters, telephone calls, uploaded documents and more recently had them sign for certified mail, DATED  XXXX   XXXX , ATTACHED, for all the documents they needed, including birth certificate. TRANSUNION  CONSUMER  RELATIONS AT THIS ADDRESS :  XXXX   XXXX   XXXX ,  XXXX , PA  XXXX  just mailed me an " updated '' credit report dated  XXXX   XXXX ,    2017 and said they have updated the information, BUT THEY DID N'T, they did nothing, except now hav e an incorrect name on my credit report along with my  old one. I hav e talked to these people on the phone, but they are all over in  XXXX  O R SOMEPLACE and tell you they will fix things but they do nothing - NOTHING! They are not properly trained and knowing they have access to all your credit information is somewhat FRIGHTENING to be honest. One person told me he was not allowed to change name and a SUPERVISOR WOULD DO IT, SO HE TRANSFERRED ME TO THE SUPERVISOR  AND HE SAID HE UPDATED IT CORRECTLY, BUT HE DID N'T, AND THAT WAS BACK IN  XXXX . This is ridiculous and they are holding up my purchase of a home. THEY ARE INCOMPETENT AND SHOULD NOT BE ALLOWED TO CONTINUE TO MISHANDLE PRIVATE INFORMATION AND CREATE FALSE NAMES.

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 2018-08-07
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: Account status incorrect

Complaint:
XXXX XXXX card was taken over by XXXX XXXX. I have had nothing but problems with XXXX XXXX throughout my adult life and a quick search on XXXX shows that many others have the same issue. XXXX XXXX talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXXXXXX XXXX/ XXXX XXXX for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that XXXX XXXX does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if XXXX XXXX makes the correction or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Here is the list of hard inquiries that i do not recognize. 

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 2016-05-05
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I attempted to open a new, personal CitiGold Interest Checking account. On XXXX XXXX, 2016 their telephone representative told me that my application was accepted and emailed to me a signature card, which I signed and faxed back to them on XXXX XXXX, 2016. Approximately 10 days later, I received by U. S. mail my first Citigold checking account statement, which showed my new account number and account balance. Then XX/XX/2016, I received their letter dated XXXX XXXX, 2016 stating that they did not open this account, claiming they were unable to verify information. 

Upon phoning them again, they refused to provide any information about what information about me they were unable to verify. They claimed my account was now closed. All representatives I talked to were completely uncooperative and entirely unhelpful about what I could do going forward to re-open this simple checking account. Note that I have been a Citibank credit card customer in good standing for over 10 years, so their bank does have extensive information about me. Also, I was not applying for any form of credit from Citibank. Instead, I was attempting to deposit my money into their bank. 

When originally opening this account, I told them that I was applying using Promotion Code = XXXX, which would allow me to receive a {$500.00} cash bonus if I met certain requirements of the promotion. It became clear in talking with their phone representatives that they were trying to not open this account to avoid eventually paying me this {$500.00} bonus. 

Their offering this new account opening bonus promotion and then refusing to actually open the account constitutes consumer financial fraud, deceptive marketing practices, and sales misrepresentation. I am requesting that ( 1 ) Citibank re-open my checking account under the terms of the original {$500.00} cash bonus promotion, and ( 2 ) the Consumer Financial Protection Bureau investigate Citibank 's many marketing promotions for all other instances of misrepresentation, fraud, and marketing deception.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Company responded on XX/XX/XXXX as a result of their investigation through the CFPB. 
Account # XXXX was " UPDATED '' and according to the credit bureaus the account is still reporting discrepancies. that I will attach below. 

{ XXXX } { XXXX } Errors & Inconsistencies Found : The date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. The date of date opened is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. Credit limit, balance, high credit, payment history is also inaccurate. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. unless you want to be held {$1000.00} per violation.

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 2022-07-16
Company: EQUIFAX, INC.
State: CO
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 Account XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I asked Citibank to close my account as of XXXX/XXXX/2016. They promptly responded saying I needed to withdraw the remaining funds of {$6.00} from the account, which I did on XXXX/XXXX/2016. However, they failed to close the account even after I withdrew the funds, and now I have an overdraft charge of {$12.00} on the account ( since it is XXXX/XXXX/16 ) even though there were no further transactions on my part and the account was at {$0.00}. Customer service has been unresponsive and demanding {$12.00} before they close the 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 2020-03-12
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
AMEX SERVE CARD WAS USED TO DEPOSIT MY IRS TAX REFUND ( 2019 ) MY TAXES WHERE DEPOSITED ON THIS CARD THROUGH XXXX XXXX I REC'VD MY MONEY AT THE END OF XX/XX/2019 ..ON XXXX XXXX THERE WAS 42 TRANSACTIONS MADE ON THIS ACCOUNT TO A XXXX  OUT OF 3 CITIES IN TEXAS. TOTALING THE AMOUNT OF {$2600.00} OF MY MONEY. I LIVE IN NORTH CAROLINA AND DID NOT MAKE THESE CHARGES. YOU ONLY CAN CONTACT THE CUSTOMER SERVICE DEPT IN THE XXXX  ( BARELY UNDERSTAND THEM ) PER THE AMEX IN THE US YOU HAVE TO TALK TO THEM. BUT THEIR APART OF AMEX ( AMEX TRAVEL, SERVE, ECT ) I  FOLLOWED THE PROCESS PER THE REP I DID EVERYTHING BUT NOW I'M HAVING TO WAIT.. WHAT IS REALLY BOTHERING ME IS THIS HAS HAPPEN TO OTHER PEOPLE IF YOU SEE THE REVIEWS WHICH I COULD ATTACH. THIS HAPPENS ALL THE TIME THEY SAY ITS FRAUD HAVE YOU FOLLOW THE PROCESS AND THEN YOU DON'T GET YOUR MONEY. I CANT LET THIS HAPPEN TO ME ITS SAD NOTHING WAS DONE FOR THE OTHER PEOPLE BUT I WILL FILE COMPLAINTS AND GO TO THE NEWS OR WHATEVER I HAVE TO DO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: CITIBANK, N.A.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
It has now been 7 days past the deadline for Citi to honor their targeted promotion to me for opening a citi gold checking account and meeting all requirements which I have successfully done as confirmed by several representatives since account has been opened ( XX/XX/XXXX ). My offer was for XXXX Thank you points ( promotional code : XXXX ). My account was opened over the phone and confirmed I qualified for this promotion.

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 2016-02-11
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had our mortgage through XXXX. We always paid on time.. escrow of taxes and insurance was included. Our mortgage was sold to Green Tree and unknown to us our escrow balance went to {$0.00} ... it was not as zero when the mortgage was sold.. the money is missing.. Green Tree then switched to Ditech.. we recently got XXXX letter from them saying we owed {$3000.00} in escrow.. when they were the ones doing the escrow analysis and we were paying what we were told to pay. They are confused. we cant get an answer from anyone. We paid our insurance this year to avoid escrow and they still are refusing to do another analysis to come up with our new payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX and XX/XX/XXXX of 2022, I requested my contract and full file and audit traiXXXX. On XX/XX/2022 I was given access to a digital account and was told the information would be unloaded on two days. I logged in several times and they failed to provide me with the info I requested.

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 2021-08-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: MO
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 sent my Complaints # XXXX, XXXX, XXXX last XX/XX/XXXX but when I checked my Complaints, it seems that you have closed it on the same day. I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove these items not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & CO XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00XXXX 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

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 2020-03-12
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:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) There were extenuating circumstances surrounding this account. I had XXXX  XXXX XXXX and was incapacitated. I was able to contact a representative with XXXX and set up a payment plan of {$50.00} per month. I was reassured that no late fees would be reported because a payment plan was in place. I never missed a payment and pursuant to our agreement, no lates would be reported. Unfortunately, they did not keep their word and reported the account late regardless. This false reporting is seriously harming my credit score and these lates need to be removed. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation