BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: CITIBANK, N.A.
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}

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 explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX I submitted disputes to Transunion with my identifiers for items on my credit report. I have not received responses. Around XX/XX/XXXX a submitted a complaint through this system for the same issue, XX/XX/XXXX Transunion claimed they would resend results from XX/XX/XXXX to me. I have yet to receive the response. A year later they are beyond violating the FCRA, this is malicious ...

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 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
capital one credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CITIBANK, N.A.
State: TX
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:
I applied for Citi AAdvantage card as a part of buying an XXXX XXXX XXXX. it promised instantaneous response. After completing all the info, the web site came back and said there is an unknown error and it closed the session. 

I called Citi, got their rep in XXXX and instantly, he approved me ( so there were no problem with the info or questoins ). There were no issues or questions. I was promised {$120.00} credit for the booking as well as XXXX miles and free luggage checkin. The citi rep told me to all XXXX XXXX and they would give me all these benefits. After 4 hours on the phone with XXXX, they said they could not do anything until the card arrives. 
I called Citi again, after being passed from agent to agent and refusing to provide any name or ID or supervisor coming to the phone to help, I got hang up on several times. I asked for expedited delivery ( over night ). They said they could not do that. one said it is too late. The other agent repeated the flash card and said you can requesting some where on line. When I asked where? no answer. 

This is false advertisement. I am not gone be able to use any of benefit promised and have to wait XXXX business days now. If that works. This is phishing for new customers and making it impossible for the consumer to take advantage of promised benefits. In addition, I am stuck with a hit to my credit report and a card that is offering 26 % interest!. I tried to file a complaint with Citi and good luck. There is no email that I could find. the phone numbers make it impossible for one to talk to any one w/o the actual card which I do not have. The only live person I could talk to in Citi where in XXXX and could not understand what they say or they keep repeating a flash card and saying no all the time! 

These are preditory practices by Citi and deceptive practice at-least. Do you think you are saving money by out sourcing your CS to XXXX? check with other firms, these agents are not trained and do not know much. They just pass the buck from one agent to other and do not solve any problems. They are rude and hang up on you and act as if I owe them something. 

What a shame! a corp such as Citi whom received tax payer money is treating the public as such! Can you provide comp for what I was promised both in terms of luggage and points? I paid {$50.00} to XXXX to ship my luggage now. I have paid {$75.00} in Lyft charges to go to the airport to resolve this issue to no success. Over two days on my XXXX XXXX! very tiring.

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 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to XXXX, Transunion, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from XXXX stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( XXXX, TransUnion ) XXXX/XXXX/XXXX {$680.00} XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX/XXXX {$990.00} XXXX XXXX ( Charg e off XXXX, TransUnion closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.

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 explanation
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: OH
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:
XX/XX/XXXX I opened a leased account with XXXX XXXX through JP Morgan Chase financing. 
XX/XX/XXXX, the lease was completed and I was offered by XXXX for lease buy out financed through XXXXXXXX XXXX XXXX 
On XXXX, I started paying the monthly payments to XXXX XXXX XXXX with no fail. 
However, on XX/XX/XXXX, when I was about to go to work I was do worried that I could not find the car in our apartment complex 's parking lot. We thought it was stolen, only to find out that Chase repossessed our car. This was so upsetting since I have already made a total of on time payments to XXXX XXXXXXXX XXXX 

I contacted XXXX to help me resolve the case, they provided a loaner car for me and at the same they also contacted Chase to straighten the issue. 

However, my credit report is showing I have a record of repossession. I disputed this twie with Chase but Chase did not honor my dispute. 

I am needing help from the authority with this matter as I am left with no other option. I have not been able granted access to credits because of this negative reporting when me and my wife were looking to buy another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: PA
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:
Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXXXXXX XXXX XXXXXXXX without my consent. According to FCRA, this is against Hipaa law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/18 I spoke with XXXX XXXX XXXX regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the XXXX XXXX Process. All payments were made on time during the 3 month trial period and XXXX XXXX agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling XXXX XXXX bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by XXXX XXXX. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by XXXX XXXX, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that XXXX XXXX did not foresee that this could impact a persons finances. I have tried everything that I could think of to get XXXX XXXX   to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My uncle left me a house when he passed away XX/XX/XXXX of XXXX I make a payments on the house since then I finally got the house over in my name XXXX of this year. I had a problem with my health so I had my daughter handling my financial affairs she took over my financial affairs XX/XX/XXXX I had payments paid up until XXXX of XXXX. I didn't know that my daughter was not making payments because I had not received any information from the mortgage company because I had not yet had the deed in my name so they would not release any information to me. And once it was in my name and I found out that my daughter had not been making any payments and the property was going into default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 ( 38 days before foreclosure ) we submitted by fax requested information of getting loan modified due to death in the family of primary mortgage holder ( XXXX XXXX ) per conversation with Mr. XXXX XXXX of State Home Mortgage. Mr. XXXX verified that he had received the docs on XXXX XXXX. On XX/XX/2018 Mr. XXXX needed more documents an asked for info on roommate and it was sent via email given by Mr. XXXX. After two weeks had passed with no calls, emails or any other form of communication a call was made to Mr. XXXX concerning status and was told that a letter was sent out requesting documents ( to our suprise ). We waited another 3 days but still nothing came in the mail so another call was made and another representative unknown started inquiring about the loan and made reference to proof of residency after having provided the requested documents on XX/XX/2018. The file had been closed because information hadnt been received but nothing was ever asked. She then requested more documents and said that an email would be sent to detail everything. So on XX/XX/2018 ( Friday ) an email was sent requesting detail documents and those documents were sent back on XX/XX/2018 ( Monday ). After a 3 days a call was made but no answer, 4 days another call but no answer. Another call was made on the XXXX but no answer so an email was sent asking for updates but no response. After routinely calling everyday finally a voice picks up on XX/XX/2018 and Mr. XXXX informs us that file was turned down due to missing information not being turned in before the deadline on XX/XX/2018. I explained to him how can it be turned down for missing information that you just emailed us on XX/XX/2018 that was promptly given to you on next business day. Mr. XXXX said the lady that was handling this was out an wouldn't be back until after the foreclosure day. He said he would call back but we have yet to hear from him and I dont expect he will he hasnt been trustworthy in responding. While we had been going thru all this foreclosure proceeding was still proceeding. We have always provided the information that was needed in a timely manner, and have done as asked accordingly. We had thought to work something out but now given that it is 3 days before foreclosure and we havent resolved this we are forced to do the drastic measure of possibly filing bankruptcy. We are writing the consumer department because we thought this entity was in place to protect the consumer against bank actions such as these. Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I did a refinance on my home for a debt consolidation. Within my debts that were paid ; Credit Acceptance was paid {$3100.00} with Check # XXXX dated XX/XX/2017. 
We had requested a payoff 3 times due to our closing date being pushed back. We obtained one for XXXX, then XXXX and finally the last one on XX/XX/XXXX17 for the {$3100.00} payoff. 
The intention of this payment was to payoff this loan. Since it was late and was short, the intention is that this payment should have been applied as a principal reduction, NOT payments. 

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 explanation
Consumer complaint received 2018-11-30
Company: Lamont, Hanley & Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I went to the hospital in XXXX XXXX  XXXX around the beginning of XX/XX/2016. It was an emergency situation and I needed immediate care. According to XXXX, the hospital that billed them, XXXX XXXX, submitted their claim twice. 

The first time they sent it, according to XXXX, they sent me a check for what I assume is the deductible ( {$200.00} ). From what I can recall, I paid using my own money all of the deductibles to XXXX XXXX directly. 

Then, XXXX XXXX submitted the bill a second time. XXXX, this time, sent XXXX XXXX a check for XXXX. I am not sure why this is my problem or my debt. Their claim should be against XXXX XXXX to refund the check and not their policy holder. 

I fulfilled all of my contractual obligations, and because of XXXXXXXX XXXX XXXXXXXX up they want to hold me accountable. I vigorously deny that this debt is owed to XXXX by me. They should collect against XXXX XXXX. 

In addition, XXXX never even let me know about the outstanding charge until I received a letter from what looks like a law firm, Lamont , Hanley & Associates, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Kwikcash, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for loan got approval then got cash now they deduct every week instead of every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation