BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
30 day late payment notice added to my credit report for the month of XX/XX/2022 by PayPal Credit. 

I had signed up for automatic payments however the amount was not taken from my account. I then attempted to make a payment before the 30 days however, the payment never went through dispute all of my information being correct and my account being directly connected to my checking and savings account. 

I have tried to resolve this with them via email. 

In accordance with the Fair Credit Reporting Act I believe this this creditor has violated my rights under 15 USC 1681.

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 2019-12-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00} 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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$2500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
multiple late fees and charges on paid off credit card. continuously makes up new charges then adds late fee and then interest on late fee. Reversed all fee last month then charged interest on reversal and with late fee and more interest. Called to day for help and was told because its my due date just to pay XXXX and they wont charge me XXXX + more late fees on all wrong charges. ARE YOU SERIOUS ( extortion )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: CORELOGIC INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
I had completed a balance transfer with sears credit card last year which expires XXXX XXXX, 2016. I then was offered a couple deferred payment purchase offers in the last couple of months. I am trying to pay off the balance of the expiring balance transfer with no luck. Since the last statement I have made approximately about {$1000.00} of purchases which still has n't closed yet, and have made excess payments in order to pay down balance transfer for XXXX XXXX. Now my overrall balance is {$100.00} over the total promotional balance offer total, so none of the excess payment money is being allocated to the promotional balances. I contacted sears and they told me it goes to higher interest rates first, but if that 's the case why is n't those balances getting lower instead of saying the same. I also thought that in the last two months credit card companies were required to apply the excess payments to the expiring balance transfer first. The other question is why the regular purchases being taken off when the statement has n't even closed yet, to allow the 25 days or so of free interest. I believe I 'm getting XXXX around here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
I traveled to XXXX in XXXX 2016, and used my Citibank World Mastercard. When I received my monthly statement, I incurred foreign transaction fees totaling XXXX. However, when I called Citi to question the charges, I confirmed the conversion rate. Specifically, I used the larger transaction for the XXXX on XXXX XXXX, which converted XXXX XXXX XXXX to XXXX. This does not convert using the XXXX exchange rate quoted by Citi. I asked Citi why I had hidden numbers inside the transaction, and that it appeared to be a double charge within the transaction, as well as outside the transaction. Citi reps told me that it was a line item explanation, and that those fees were not actually charged to my account, however, simple addition proves that to be incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Sears Credit Card a subsidiary of Citi Bank sent an unsolicited notice that they were " Upgrading '' my card to a Master Card. A few years back they used this same ploy and I received the card, again with out my approval, and had to contact them to reverse the process. The deceptive practices used in the mailing sent are like any other solicitation for a credit card except in the fact that you have to opt out rather than accept their offer. Also the " upgrade '' contained no information on the rates that would be charged with this new card possibly creating a financial difficulty for those who did no catch the " opt out '' requirement.

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 2018-12-01
Company: First Data Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Somebody stole my checking account routing number and account number and wrote fraud checks. I filed police report, got letter from bank, and notified the stores where checks were written that they were fraud. The bank closed our account out. I forwarded all the above information to XXXX   when we received bill. After they reviewed our info they claimed that one check was fake and the other one was not. They are hounding us to pay for one of the false checks that the bank put a stop payment on due to fraud. They have proof that this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/2020 applied for a home loan conventional financing and the Mountain West financial denied me and never gave me a conclusion explanation they cost me over {$1300.00} dollars in perdiem fees from the seller. I feel they should pay me back plus pain and suffering of another XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received a Citi Prepaid Services card, and on the back of the letter that came with the card, it said ( as can be seen on pages XXXX and XXXX of the attached document under the section EXPIRATION DATE ; AVAILABLE FUNDS DO NOT EXPIRE ) " if you do not use the full amount on your CITI PREPAID SERVICES CARD by the expiration date, we may issue you a new CITI PREPAID SERVICES Card automatically, or you can call customer service to request a new CITI PREPAID SERVICES Card ( the " Replacement Card '' ) ''. However, when I called customer services to receive a new card after the old one expired while there was still money on it, they said they could not and have never been able to issue me a new card. They asked me to fax the document over, which I did, and now they are giving me the runaround and acting like they never received the fax. Thus, not only have they intentionally given me false information on the letter, but the customer service was some of the most unhelpful and rude that I have ever encountered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is currently reporting a collection account from XXXX XXXX & XXXX on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. This account does not belong to me and should not be reporting on my credit file. i have never rented an apt from this company i have lived in my home since 2006 with an open current mortgage. this is not my 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
At the end of XXXX beginning XXXX, I noticed there was a $ XXXX monthly maintenance fee on my account that wasnt there before. I contacted Bank of America about this ( cant recall exactly the month but pretty sure it was XXXX ). They told me ebanking accounts had been removed and now fees had become applicable. I contacted them again this year because I figured grandfather clause applied here. Still, nothing was change and I was told I would just have to deal with it. It wasnt until I talked to my father about it when he told me as a student, I shouldnt have been paying for it either since the student discount was on my bank account. With that information, I called Bank of America XX/XX/XXXX and they admitted to be at fault after lookin through my account. They agreed to refund me up to a year and refused to give me the rest. I told them that I had been trying to solve this problem and they said it didnt matter, its only up to a year

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 2022-10-14
Company: Credit Karma, LLC
State: IN
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:
Credit karma has told me on several occasions that I qualify for a new card and car loan with excellent approval only to be turned down everytime. This has caused my score to repeatedly go down and reflect negative marks on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In 2009, I opened a chase bank account after graduating highschool, my father whom lived in XXXX would send me wire transfers to pay for my tuition in college, chase closed my checking account without any explanation. My only conclusion is this institution is racist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Summit Financial Corp.
State: WY
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: Problem with personal statement of dispute

Complaint:
I applied for a loan XX/XX/XXXX and completely forgot about it. Within a week my dad committed suicide and things havent been so good. I tried to call and cancel it but it had already been approved. So now Summit Financial is deducting {$240.00} something like that out of my checking account every week. I am on a very tight budget now. I cant pay any bills or hardly put food on the table now. 
Im at my wits end with these people!! 
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-01-15
Company: Holloway Credit Solutions
State: AL
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 saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCs 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 2015-05-29
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed ExPERIAN a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.

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 2022-11-02
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to an error on their side, Mr. Cooper is trying to collect on a loan that was paid off before the start of their " servicing. '' They harass me via phone calls, mailed letters, and claims that my mortgage payment is " late. '' My mortgage loan was paid off in full on XX/XX/2022, but I continue receiving literature claiming that my mortgage payments are late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, the consumer and natural person, was denied credit by XXXX XXXX XXXX 's finance department when i applied for a car loan. 
Adverse action against me, the consumer is against the law according to the equal credit opportunity act which is in 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. 
XXXX XXXX XXXX are subject to criminal liability for violating 15 u.s.c 1691 as i have proof that i was discriminated against by XXXX XXXX XXXX due to the response i received. 
XXXX XXXX XXXX is in violation of 15 u.s.c 1642, u.s.c 1681m and 12 CFR 1002 since I, the consumer, made an application in good faith, but credit was not issued. 
Due to my social security number, Credit card, was used and i received NO benefit. this is proof of fraudulent activity, unauthorized use of credit card, on behalf of XXXX XXXX XXXX. 
If XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, social security card, i will indeed make XXXX XXXX XXXX criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. 
I also Expressed to not shotgun my credit report to other banks but they still went ahead and ran my credit report through a multitude of banks like XXXX  XXXX, XXXX - XXXX XXXXXXXX XXXX XXXX, SOUTHEAST TOYOTA FINANCE, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. 
I also called XXXX and they told me that these inquiries were validated which they should have not since they were fraudulent and didn't want to remove them as i demanded since they don't belong there because i didn't benefit from any of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold to Carrington Mortgage by XXXX XX/XX/XXXX. I was told my first payment to Carrington would be due XX/XX/XXXX. When I finally spoke with Carrington I was told I owed them for XX/XX/XXXX and XX/XX/XXXX. When I tried to make a payment I was told I could n't make a partial payment. XX/XX/XXXX I paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and told my next payment due XX/XX/XXXX. 
When I called to make the payment I was told I was told I owed for 2 months and could n't make a partial payment. So I contacted Keep Your Home California to apply for the Mortgage Reinstatement Program. I called Carrington to inform them I applied for the program I gave them the Homeowner ID and was told okay. Because of the dates I deposited my checks KYHC said I had a income increase instead of a decrease. KYHC informed me XX/XX/XXXX. I called Carrington XX/XX/XXXX and informed them I wanted to bring my mortgage current I was told I owed a little over {$12000.00} and attorney fees but they could n't give me an amount for the legal fees and asked if I had the full amount I told them yes. I was then told they could n't accept the payment until after they contacted the foreclosure dept. to find out how much the legal fees amount and because it was the holidays they would send me a letter and an email the beginning of the year. On XX/XX/XXXX I received a letter from Carrington stating A Notice Default has been filed on XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-10-14
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/2022 I spoke with several customer service representatives regarding my payroll direct deposit. My companys pay day is every Thursday ; however, my payroll check has failed to deposit into my account. I spoke with my HR representative who provided me with my direct deposit/check number. I called Chime bank regarding my direct deposit, they stated that my employer has failed to send it despite me having the direct deposit/check number. 

Upon investigating several customers that bank with Chime also have no received their payroll/direct deposit. It is now over XXXX hours and I have still not received my payroll check. The customer service representatives are of no help in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Eastern Account Systems of Connecticut, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Eastern Account Systems and XXXX XXXX XXXX are negatively reporting on my credit report with XXXX in the amount of {$390.00}. I filed police report # XXXX and Report # XXXX regarding identity theft that occurred in XXXX TN with the XXXX XXXX Police Department. I have provided a police report, affidavit, and lease agreement where I resided in XXXX TN at the time of the ID Theft. I have presented this information to both XXXX and Eastern Account Systems. When I spoke to the Id Theft Department for Unauthorized Charges at XXXX they were unaware of Eastern Account Systems reporting to XXXX and explained that Eastern Account Systems should not be reporting. I have submitted information on more than XXXX occasion and disputed information with XXXX and Eastern Account Systems continues to report that I owe {$390.00}. I attempted to have cable services installed through XXXX on XXXX XXXX and they canceled my installation appointment without notice after I took off from my job. They gave me a new appointment then after having cable for 3 days they then disconnected my services because of the unauthorized charges from someone in XXXX TN in XXXX and XXXX. I do not owe XXXX or Eastern Account Systems any money. I have lost time from my job and wages because of this as well a major blemish to my credit report for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation