BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I simply checked in XXXX XXXX/XXXX/16 XXXX to make sure the promotional code was indeed associated with my account. And I received written confirmation that if I did fulfill all the requirements, I would get the bonus. ( Please see 'Citibank Conversation XX/XX/2016 ... ' attachments. ) After that day, I continuously checked in to make sure I was on track, and I got the final confirmation on XXXX/XXXX/16 that I had indeed fulfilled all of the requirements. ( Please see 'Citibank Conversation Proof that I fulfilled.. ' attachments. ) I had been told that the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. So, I waited 90 days, and I still had n't received the miles. I checked in with a Citi representative, who told me he could n't help me but someone would get back to me within a few days. After a week, I tried again. ( By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. ) The representative created a case number for me and again told me to wait on reply. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. 

We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!

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 2020-06-17
Company: CHECK INTO CASH INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I called the " Check into Cash '' location the person answering the phone stated that I only made 3 payments and I paid the entire balance that I borrowed back I made over 6 to 7 payments. The payments were withdrawn from my checking account. Check into Cash have sold this loan to a Collection Agency in the amount of {$1300.00}. I only borrowed {$1300.00}. I have not heard back from the Collection Agency I tried calling and I can not get straight answers about this account. I never did business with this Collection Agency ( XXXX XXXX XXXX  ). I can not afford to pay this and I can not afford to have them place this on my credit history. These are fair practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/20 I paid {$14.00} for 2 items, & XX/XX/20 an additional item for {$21.00}. 
All for three items of fabric totaling {$49.00}, NEVER shipped, NEVER received. 
Paypal refused to close claim in a fraudulent attempt to freeze & block seller 's intent to issue refunds. I've closed my account because Paypal previously denied me right to remove bank cards, since corrected by this bureau. This abuse by Paypal implies disgruntled retaliation. I've filed disputes with my bank, because as of this filing date I can no longer view this fraud. Paypal stole {$49.00} of non-received merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I traded in my Honda Pilot, loan # XXXX, on XXXX/XXXX/15. The dealership who purchased the vehicle from me sent a check to Wells Fargo Dealer Services on XXXX/XXXX/15. Wells Fargo Dealer Services does not acknowledge receipt of this payment and refuses to research the payment without the certified mail receipt number. I have offered to send them a copy of the payment invoice, but they refuse to investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several items on my report reading " in-dispute ''. While I did ask for more information at one time I never disputed the results sent to me. This is now causing me a problem with mortgage approval

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX there is a credit card reporting derogatory info that has my family homeless this is really effecting my livelihood please They open XX/XX/2014 it is a close charge off account that was open without my knowledge i have 75 late payments as a result of experian Not removing this negative fraudulent information I called them directly XXXX XXXX XXXX XXXX they stated I owe them {$700.00} over top of the limit {$400.00} I stated to them I never opened up a account I found a police report I thought the incident report I filed a identity theft report this is hurting me and my family housing situation

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 2017-06-27
Company: Integrated Recovery Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a phone call saying if I did n't give her my debit card number and a payment plan there would be a warrant out for my arrest. She was threatening and very rude. Would not try to work with me on payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX from credit acceptance. Upon me purchasing the vehicle i was told the final asking price was XXXX. I put XXXX down on this car. A couple of months went past with me making on time payments and i believed my balance would be around 8 thousand give or take, I have saved up enough money to inquire about a pay off. This company told me I must pay at the time XXXX to pay the car off. the amount financed was almost double the final asking price!! the dealership failed to show me that and being young i did not pay much attention to it. why am i paying for interest that was not accrued! I'm paying the loan off early so why must i pay for interest that's years away! The blue book value of this car is XXXX, so not only did i purchase this car more than double of its worth, I'm also liable to pay for interest that is years ahead to pay the car off. There is no prepayment penalty. 

Because I refuse to pay XXXX for a car that is worth XXXX and have XXXX miles on it i decided to buy another car. 

Now since the car has been sitting in my driveway my credit has taken a huge hit. especially due to personal reasonings and this pandemic iam not able to pay both car loans. 

I feel like credit acceptance know that iam young and took advantage of my age, There is no way i should have to pay off forecasted interest to pay the car off now when the life of the loan is still substantial. Also i really needed a car back then and did not know i was paying double the bluebook value, and double the interest.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: VA
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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-24
Company: V and H Portfolio
State: SC
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 do not recognize having any agreement with vance and huffman llc and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with vance and huffman .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity that holds the XXXX Credit Card used aggressive techniques to attempt to collect funds. By calling multiple times through the day and including weekends. They call from an unknown number and then when answered they either dont respond or respond stating they are with the company. Which will be made in full on Thursday. This missed payment was an accident ; I have missed several before due to covid. This company was unwilling to help at that time during COVID. Id really like to stop doing business with Comenity due to their immoral practices and harassment. I called them today and the representative did absolutely nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 began to write disputes to each credit bureau ( Transunion, XXXX XXXX XXXX ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of 15 USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop

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 2022-07-24
Company: EQUIFAX, INC.
State: NY
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX addresses listed on my credit reports for apartments or homes where I have never lived in my life. As a result certain accounts associated with those XXXX addresses, which are not my accounts, have negatively impacted my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On three separate occasions, Nelnet 's KwikPay service has lapsed without user intervention, which directly resulted in incurring additional interest balances. Two of these occasions occurred prior to the start of the repayment phase, while the third occurred after a large bulk payment was made closing several accounts. KwikPay ( set up to use a still-valid financial institution ) failed to resume payments accordingly once the effects of the lump payment wore off, resulting in a late payment. Nelnet remarks that they have the right to automatically place such loans into forbearance but refuses to acknowledge that the KwikPay system has been flawed for years and frequently mishandles applied payments or fails to collect them in the first place. 
The loan is on a standard repayment plan and I have a perfect pay history when funds are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Filed a complaint with Capitol one credit card company requesting that they investigate credit card fraud. My information was stolen and used without my permission. And pursuant to the request that they cease in reporting it as a delinquant issue on my credit report. I recieved an answer that they verified that it was my card, however that wasnt the complaint the complaint was that it was used fraudulantly. They refuse to close and remove the negative information from my credit report. I work for the DOJ and I am a Military VET this is hurting my ability to advance my career and also buy a home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a XXXX and XXXX mortgage with GMAC in XX/XX/XXXX. I received a modification from GMAC in XX/XX/XXXX and was notified of the new loan balance and payments. I began receiving monthly statements reflecting the agreed upon terms. There was no specific mention to the XXXX not being included in the modification and I never received another statement on that loan. It was my understanding that if had been rolled into the new loan. When GMAC ceased operations my loan was transferred to Ocwen and I began receiving loan statements from them. I asked Ocwen if they were aware of a XXXX loan and was told that they had no record of another loan. For the whole time period since the modification was granted I have never received a statement of any sort indicating that the XXXX loan still existed or what the status of that loan might be. On XXXX XXXX XXXX Ocwen sold/transferred a XXXX trust deed on my property to XXXX XXXX and they immediately filed a Notice of Default with no attempt to contact me. I am now suddenly {$50000.00} in arrears on a loan I could not locate and had no idea who/how to pay over the last XXXX years. I am being forced into default. At any time over the last 6 years did anyone who held this trust deed have a responcibility to notify me, send me statements or in any other way facilitate my repayment of this debt obligation?????? It was my understanding that when a loan is transferred to a different servicer notice is required. My XXXX is and has been paid as agreed and I am now at risk to lose my house to foreclosure. Had GMAC been upfront about the terms of the modification, had Ocwen honestly told me they held the loan, or had I been notified of who and where and what to pay at any time over the last 6 years this would not be happening. I am not attempting to shirk a legitimate debt but feel that numerous parties actions over the last 6 years have not been upfront or with complete transparency. I was not provided the information with which to satisfy my obligations so that others could financially benefit.

Company response to consumer: Closed