BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX NA XXXX not mine STATE OF MI XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX   XXXX XXXX not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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/2020 I purchased Hockey tickets for my sons birthday, during quarantine, realizing that a season was not to be in the future, my son ( his XXXX XXXX account ) tried to request a refund and do something else with his money, was not getting a response from XXXX XXXX, they were not answering phone or email. 
so I continued contacting Capitol One with no response except they were standing by the terms and conditions of XXXX XXXX. 
Why is this an issue : XXXX XXXX CEO publicly announced refunds for all ticket holders, he came out with a new and improved Customer Guarantee When XXXX tried to receive a 'credit ' from XXXX XXXX, they closed his account and we have no way to receive our money back I have sent documentation to Capitol One supporting all above comments and they continuously support original response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number. 
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was XXXX that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from XXXX. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX XXXX XXXX XXXX had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from Transunion, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.

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 2022-03-28
Company: M&T BANK CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
While refinancing an auto loan, M & T Bank is requiring a nearly {$300.00} prepayment fee, predatorily charging me for *giving them* money. This prepayment fee was never properly disclosed to me during the signing of my auto loan. My new lender was unable to send a full XXXX payoff amount with the inclusion of the {$300.00} fee, so I am having to write a personal check to cover this exorbitant and unethical fee in order to refinance. M & T bank stated that the fee was an agreement with the auto dealership ( XXXX XXXX, KY ), and would not remove it - despite the fact that M & T is the entity collecting my money. I am disgusted with this predatory practice of not properly disclosing prepayment fees on loan signing and charging such a large sum of money for me to PAY OFF MY OWN LOAN. This is predatory.

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 2022-08-31
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: Information belongs to someone else

Complaint:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. 

Please see attached,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: CA
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 disputed an entry on credit report from  XXXX   XXXX . It came back verified even though I uploaded the receipt from the original creditor showing the {$190.00} itemized and paid. I also uploaded a copy of my CC statement to support the receipt. I then requested the method of verification Equifax used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FC RA 611.  I 've also spoken to the original creditor, including  XXXX  in accounting at the corporate office and  XXXX  at the same office who indicated there was no balance to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Data and Contact Management Solutions, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
DCM Services has phoned 2 times requesting information regarding the executor for my brother-in-law 's estate. I asked them NOT to contact me after the first phone call and they did so again this morning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Purchased online and item from JCPenney 's and there was a promotional XXXX discount of 20 %. When I put the item in my cart at {$39.00} the {$6.00} was taken off at that time leaving a balance of {$33.00}. However when I chose to use my rewards is my payment method it took my discount from me. I used those rewards to pay for the item. via credit card or My Rewards it shouldn't have taken my {$6.00} discount. There is no mention in there that if you pay with rewards that the discount is not valid. Order number 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 monetary relief
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I applied for a Citi XXXX XXXX Credit Card with the promotional terms of XXXX XXXX points after spending {$2000.00}. Citi now refuses to honor the promotion stating that I have had another card opened in the prior 18 months. However, there is no disclaimer on the application or in the fine print that states this exclusion. Simple case of bait and switch. I have a copy of the application with the promotional terms and the disclaimers as proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have previously tried to refinance, thoughout Fall XXXX, and am now currently trying to sell a property, which I received down payment assistance on and financed with Ameris Bank. There are two liens on the property, one for the mortgage and one for the down payment assistance and they both come up in the title search. Previously and now, Ameris Bank has failed to provide the payoff amount for the down payment assistance, stating they have no record of it, but it comes up in the title search. I reached out the XXXX XXXX XXXX XXXX XXXX XXXX, the party who provided the funding, and it was stated they only provide the money to the mortgage holder but does not hold the lien itself. This has caused intense and undue hardship, as I am scheduled to close XXXX XXXX but am unable to do so, due to Ameris Bank intentional stagnation. When the attorney for the buyer reached out to get the information on XX/XX/XXXX, she was under the impression that it would be a relatively quick turn-around, but when I called myself, I was given the date of XXXX XXXX for them to investigate, but this is the second time and if they couldnt find between last XXXX and now, then they dont have it.

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

Complaint:
I signed up for a Citigold checking account with the promotion of XXXX XXXX XXXX points after you spent {$1000.00} on the debt card and completed a online bill pay for XXXX consecutive months. 

I completed all requirements and had a representative from Citi confirm this via online chat that the points would be credited no later then XXXX/XXXX/16 " I have attached the conversation ''. 

I have reached out to Citi and they informed me a case/investigation would be opened and I would receive a response in XXXX business days. I have yet to receive any communication regarding this and it has been much longer then XXXX business days, at least XXXX weeks.

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 2022-03-28
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was enrolled in a settlement plan that would resolve 50 % of my debt if I made XXXX on time payments of set amounts. I have requested written documentation and documentation sent via email on XXXX separate occasions before closing. I was told that a letter verifying the settlement was sent on XXXX of those occasions and the letter was never received. I have confirmed my address multiple times and I'm still receiving bills from this company. I made my final settlement payment in early XXXX and they are still refusing to send me email confirmation of the account closing but have supposedly sent out another letter.

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 2022-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
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:
There is a inquire on my credit report from Chex System that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.

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 2016-05-03
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.

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 2016-10-04
Company: Finance of America Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Per the attached agreement I was to get XXXX on branch production plus XXXX XXXXXXXX on my personal production or I would of just given all the loans away and done no personal so I did personal loans and they said since I signed this I dont get paid on personal but yet they changed by bonus structure a week later to include personal - they owe me about XXXX dollars - didnt pay me at all on a XXXX XXXX loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-29
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this bill the day I received it. I have continued to receive the same bill even after providing a copy of the cancelled check XXXX.XXXX told me repeatedly I had XXXX options to either fax or email the canceled check even after I told her I could not do either. XXXX supervisor after the XXXX Bill finally gave me a mailing address.After calling Patient relations at the XXXX XXXX XXXX Center I was told I should be contacting XXXX XXXX XXXX hospital. I do not understand why they did n't tell me this sooner I was instructed by XXXX XXXX to mail the copy of the cancelled check to her. Even with continued communication documenting with XXXX XXXX XXXX XXXX and XXXX XXXX Hospital that the bill was paid they sent a delinquency notification from Harris and Harris Ltd collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent account : 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 XX/XX/2015 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-12-17
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX XXXX and an amount owed of XXXX, which I do not have any account in that amount that I owe.

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