BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: WHEELS FINANCIAL GROUP, LLC.
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:
I have contacted XXXX  directly, as well as, XXXX, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of $XXXX. This is heavily affecting my quality of life.  Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim.  Both of them just send form letters that avoid the request to show proof.  I need their ridiculous paper shuffle to stop.  By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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: Investigation took more than 30 days

Complaint:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-16
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016 I opened a Citigold Checking account offering XXXX Thank You Points for meeting the requirements. The promotion code that I used was XXXX. I met all the requirement on XXXX/XXXX/2016, and confirmed via chat that I fulfilled the requirements on XXXX/XXXX/2016. The customer service rep told me that I would get the Thank You Points within 90 days. On XXXX/XXXX/2016 I contacted customer service via chat to again confirm that I was eligible for the promotion, and to find out the exact date the Thank You Points would post to my account. The rep told me that the points would post by XXXX/XXXX/2016 at the latest. On XXXX/XXXX/2016 I contacted customer service again through chat because my points has still not been posted. The rep told me that they will post by the end of the month ( past the 90 days that was in the initial agreement, most likely to collect another $ XXXX monthly free ). The rep then opened an investigation as to why I have not gotten the points. In the chat session, the rep confirmed that I was eligible for the promotion and that I would have an answer within 2 days. I still have not received an answer as of XXXX/XXXX/2016. I believe that Citibank is just stalling in order to collect another monthly fee. I searched online and I see that many people are having this problem with Citibank. I feel as if I was purposely lied to in order to open an account, so Citibank could just collect fees from me. I have upheld my side of the agreement and Citibank did not.

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 2016-07-29
Company: CITIBANK, N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promotional offer to receive XXXX AAdvantage bonus miles after opening a new consumer checking account in the Citigold Account Package and completing the qualifying activities. The requirements were to make {$1000.00} in qualifying debit card purchases and 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days of opening the Citigold checking account. 
I completed every requirement stipulated to receive the promotional XXXX AAdvantage bonus miles : opened the qualifying Citigold checking account before XXXX/XXXX/XXXX, made {$1000.00} of qualifying debit card purchases, posted, within 60 days of opening account, and made 1 qualifying bill payment, posted, each month for two consecutive calendar months. 
The XXXX AAdvantage bonus miles were to be posted within 90 days from the statement period in which I completed all the promotional offer requirements. 
I contacted Citi via their online chatting system on XXXX XXXX, XXXX to confirm my enrollment in the promotional offer, which was confirmed, and I have copy/printout of the online chat as supporting evidence. I contacted Citi again, via their online chat system, on XXXX XXXX, XXXX to confirm I had met all the promotional requirements, and again they confirmed that I did. I also have a copy/printout of this conversation as affirmation. 
I made several inquiries both via online chat and phone calls after the 90 day period had passed for Citi to post the XXXX miles to my account. After numerous ( 5-10 ) inquiries and ~2.5 months later, Citi finally responded with a letter informing me I will not be receiving the XXXX AAdvantage bonus miles. 
How can I, as a consumer and a client, put faith or trust into Citibank, a major financial banking institution when they create and market promotional offers and then do not honor on the bonus reward after. I am past frustrated and beyond disappointed. When Citibank failed to honor the promotional reward miles, they morally, ethically, and professionally breached an agreement. Bad business practices and breached agreements have lead me to you, Bureau of Consumer Financial Protection. If my personal issue can not be addressed, please prevent the bad business practices of Citi to affecting others.

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 2017-01-05
Company: CITIBANK, N.A.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/2016 I filed an application for a mortgage modification. We had a hardship the prior year and tried modifying our mortgage back then but was denied due to missing information. So we started to try and catch up on our mortgage on our own but was not possible. So the application was submitted along with all required documents. Our mortgage bank ( Citi Mortgage ) sent a letter stating that " ALL '' documents have been received and no further information was needed. Since we were denied before for application being incomplete i continued to send pay stubs and bank information. I followed up with the bank 1-2 weekly ... always told application is pending with the underwriter. As of today it 's been 3 months pending and about 2 weeks ago I received a foreclosure letter with a date set for XX/XX/XXXX. As I get home today I received another letter asking me to send in all the documents again. The same information they already have and I have emails and regular mail stating all required information is complete. I contact the foreclosure attorney that is assigned our case and they had no idea we had a pending modification and can only stop it when the bank contacts them. I then contact the bank and they keep telling me that there is nothing they can do until they receive notice from the underwriter. Looks like the foreclosure will go through before we can get a loan modification agreement. I need help, who do i contact ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was set up with auto pay my card was compromised and a new card was issued. I was never advised that the payment didnt go through

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & PORTFOLIO RECOV ASSOC Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for the Citi XXXX XXXX credit card with the agreement that if I spent {$1000.00} in the first three months I would be awarded XXXX bonus miles. I met that obligation and was awarded the points on XXXX/XXXX/15, however Cti sent those to account that was not mine and have refused to correct it saying I needed to go to XXXX XXXX to correct. XXXX told me that Citi needs to correct their error as they can not link my account to the account the miles were sen to. I gave Citi the correct fredquent flier number when i signed up for the card. In my latest attempt with Citi to correct this I was told they again sent it to XXXX and I would have to wait 30 days for a response. It has been almost two months since I was awarded the point but have failed to be credited to me. I expect the XXXX point I earned to be credited to my correct account : XXXX. I also expect Citi to make sure than any other miles I have earned are also credited appropriatly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Debt Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & XXXX XXXX XXXX XXXX  Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g. 

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
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:
It appears that the payments I 've been making over the past two years have no been fully applied to my account. On my tax information it also appears that the interest I 've been paying has been miscalculated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was going over my tax returns and noticed Specialized Loan Servicing ( SLS ) which had my account for 3 month in 2019 charged me {$670.00} in interest for again only three months and my previous mortgage holder XXXX Bank charged me {$530.00} interest for 9 months. Those numbers just don't add up to me. I would like some more information on the you calculation of the interest on my mortgage I previous had with your company. I had to write a complaint with the CFPB because the last complaint I had with SLS I sent a Notice of Error Letter and SLS response to the Notice Of Error was the SLS never received it. I know for a fact that they SLS received the Notice Of Error because I took A picture of the letter with the correct address and I video taped men putting the letter in the mail box. Since I closed my account with SLS I no longer have access to my account that why I need SLS to sent me some documents with the calculation of my interest rates. 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 2020-04-15
Company: National Credit Systems,Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems has duplicated a single collection on my credit report with all three credit bureaus. I disputed the duplicated collection twice to no avail. I received a letter stating the duplicated collection would not be removed. 

The original collection is {$3100.00} from XXXX at XXXX XXXX on XX/XX/XXXX. 
The duplicated collection is {$3100.00} from XXXX at XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: AmeriCollect
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found Americollect on my credit report and asked them what bill it was for and they told me XXXX NH XXXX. I called XXXX NH XXXX XXXX department to find out if it was legitimate and they said~ no bill of mine had been sent to collections. I then called Americollect back, as instructed by XXXX and told them what they told me and they spoke over me and were totally rude and wouldn't allow me to talk. When I was finally transfered to someone who half way listened, they told me XXXX would have to tell them the debt didn't exist, before they would remove it from my credit report. XXXX had told me they would call them after doing a deep investigation. It doesn't seem right to be crucified first and then check later. They should have to remove it until they prove there is an existing bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient is stating that I owe {$11000.00}. My loan is for {$10000.00} and I have been making payments so I would think it should be less. I tried working our a plan for months, but they were very difficult to deal with. My acct fell further behind. They finally put me into forbearance ( deferring my loan payments ) because the repayment plans they were proposing we not affordable. This went on for years because there payment plans were too high and I knew I would fall behind again. I offered to make small payments every month, but they were not willing to accept them. I believe the years of forbearance caused my loan to incue additional interest and fees that could have been avoided. When they finally came up with a payment plan that I could afford, they said they would remove any negative information from my credit if I made payments on-time for XXXX months. They put me in a " probationary '' period. I completed the XXXX months but they did not remove the negative information. After several phones calls and letters to Navient and the credit bureaus for months, the negative information was finally removed from XXXX and XXXX, but still remains on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
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:
XX/XX/2019 / XX/XX/2019 there are 2 inquiries from " CREDIT ACCEPTANCE '' and XX/XX/2019 / XX/XX/2019 2 inquiries from " XXXX  XXXX XXXX  '' that i do not recognize or have authorized. i have filed many reports with them stating the inaccurate info and they have failed to remove this from my 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 2017-02-10
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card
Issue: Other

Complaint:
In a previous complaint, I requested that Navy Federal CU take an account off of my credit report. Over the last several years, I have notified them on multiple occasions to take me off the account as an authorized user, but somehow it never seems to be processed. So with the CFPB as witness to my request, please notify Navy FCU that I no longer want to be an authorized user on this account, and remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In a letter dated XXXX/XXXX/XXXX, XXXX XXXX, Loan Adjuster, Recovery Department, Wells Fargo Education Financial Services, agreed to accept my payments of {$350.00} per month to satisfy XXXX private student loans that were in default. I 've attached a copy of that letter. 

Since then, in accordance with that agreement, I have paid {$350.00} every month, mailed to the address specified in that agreement. Although I have made every payment under that agreement ( until this month ), I have never received any statements or other information from Wells Fargo to tell me how my payments were applied and whether the balance is being reduced. 

Wells Fargo accepted my agreement. My payments within this agreement should have brought me current and should have cured any default. Instead, I recently discovered that the loans were " charged off '' XX/XX/2016. This charge-off is severly damaging my credit rating. 

I believe I have been deceived and that Wells Fargo has breached our agreement. I have been making good-faith payments, but now I 'm not sure if they 're going to the correct entity or if they 're being honestly or accurately applied.

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