BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase on XX/XX/2021 order XXXX on the XXXX XXXX  app. I purchased 3 items totaling approximately {$500.00} and applied a 10 % off coupon. Coupon code XXXX. The app showed the discount applied for approximately $ XXXX {$48.00}. I then entered in a XXXX XXXX gift card number for {$100.00}. It then showed the remaining balance of approximately {$350.00} which I entered in my Home Depot credit card number that is financed through Citi Bank. When my credit card was charged they charged me approximately {$400.00}. Multiple calls on XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX and Citi. Citi is now saying that because I used my XXXX XXXX  gift card the discount was no longer applicable. However no where in the terms of this offer does it say you can not use a gift card. it does say the purchase must be placed on your Home Depot credit card but it does not state the ENTIRE purchase must be placed on your Home Depot credit card. It also states that this offer can not be combined with any other discounts or deferred financing plans, however My XXXX XXXX gift card is not considered a discount. The app also did not show the discount no longer applied after I entered in the gift card number. What it did show was a remaining balance of {$350.00} that would be charged to my credit card.How can a customer know all the exclusions if Citi does not provide the information upfront? This is very deceiving and misleading to consumers because had I been provided the full terms I would have been able to make an informed decision and used my gift card for something else.

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 2021-11-17
Company: CITIBANK, N.A.
State: WI
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/XXXX XXXX XXXX salesman XXXX came to our house and we signed a contract for windows and doors. Install would be in 12-16 weeks. 
CITI CC was billed as XX/XX/21 I filed a dispute with Citi card on XXXX- services never received On XX/XX/XXXX I sent a detailed outline of everything that had occured up until that point. 

We have yet to hear back from CITI or get any updates. As of today we still have no windows, no date of install, and no response from the production manager I was working with.

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 2022-04-26
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I attempted to dispute transactions within the standard regulation E time frame. XXXX and their sponsored bank, Credit Karma, do not follow Reg E, nor do they follow regulations tall. I was told by a rep that I would have access to my account to transfer my funds out. I received a letter of closure of the account ; effective this afternoon, my account was closed. On top of closing the account, reps from Credit Karma claimed that they would call me to resolve my issue. They apologized for " violating regulations, '' which isn't acceptable. They violated the law and discriminated against minorities and people of XXXX, and I am an XXXXXXXX XXXX XXXX  falling under that precedence. Furthermore, I am XXXX, and there are many complaints against XXXX  bank regarding XXXX  members, shame on XXXX for enabling discriminatory tactics in their business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds!XXXXIt is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat,  because I refused to allow someone else to cheat me?? <P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citibank, u sing information from when I opened an  XXXX   XXXX  card through Costco, opened  a Citibank  account without my permission ( when  Costco swit ched from using  XXXX  to  Citi ). The y then charged money to this account, without authorization, to continue a  Costco memb ership ( that I did n't wish to keep ). They then continued to charge me late fees for this debt that I never authorized.   I do n't wish to do business wit h Citibank, and t hat 's my choice as a consumer. They have no right to force me to do business with them, much less put debt on me that I did n't authorize.

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 2021-11-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX ) XXXX, 15 U.S.SC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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:
I have been trying for over 4 months to resolve this late payment issue status with the three credit bureaus. The Account in question is XXXX XXXX XXXX Account number XXXX. I have no record of being late and have never been late on this account. As of XX/XX/2016, the account is PAID OFF and CLOSED. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying for over 4 months to resolve this late payment issue status with the three credit bureaus. The Account in question is XXXX XXXX XXXX Account number XXXX. I have no record of being late and have never been late on this account. As of XX/XX/2016, the account is PAID OFF and CLOSED. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all 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 2017-06-01
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I write to complain about the debt collection conduct of  XXXX , Discover Bank, and  XXXX  loan servicing. I owe about {$30000.00} on a private student loan I took out with  XXXX  to attend   XXXX   XXXX   in   XXXX   XXXX    XXXX . I graduated in  XXXX , and was working in the   XXXX   XXXX   XXXX   XXXX   XXXX   position when I injured my  XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got  XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of  XXXX   XXXX , I no longer can pay the loans.  <P/> I called  XXXX  well before  XXXX   XXXX -  XXXX   and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work.  XXXX  told me I was  only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment.  XXXX  began calling me in  XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings.  XXXX  then transferred the case to a new servicer,  XXXX .  XXXX  began calling on  XXXX   XXXX ,  XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no.  XXXX  has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency.  <P/> I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for  XXXX , but says I must make  six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Conn's, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I mailed on XX/XX/21 by priority mail to Dept of Ed - Navient six disbursement checks from my mortgage company to pay off XXXX federal loans. USPS confirmed delivery on XX/XX/21. 4 checks included were not cashed. The mortgage company confirmed a check in the amount {$3200.00} was cashed on XX/XX/21 and a second check in the same amount {$3200.00} was cashed on XX/XX/21. I called Navient on XX/XX/21. Spoke with XXXX she said no payment was received. She told me to check my account online or call back after XX/XX/21. I called back on XX/XX/21 and spoke with XXXX XXXX and XXXX XXXX. They told me to wait for 72 hours. If no response to contact the office of customer advocate. Ive been speaking with XXXX XXXX in the office since XX/XX/21 with no resolution. The uncashed checks were canceled and reissued by my mortgage company. I needs the two cashed checks to be allocated to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My husband died XX/XX/2022. I was mistakenly reported as deceased, apparently when my husband was appropriately reported deceased on XX/XX/2022 by XXXX XXXX XXXX. I was not aware until contacted by XXXX that my credit application was denied due to my being deceased. I have communicated with XXXX XXXX XXXX, as well as XXXX and Experian. 

I am attempting to further establish/augment credit in my own name. I have been denied credit cards by XXXX, denied continuation of our XXXX XXXX cards, and by XXXX  XXXX XXXX. My FICO score today is XXXX, but assume adversely affected when applications have been denied. I have understood these declinations remain part of my report for 25 months. 

Thank you. 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 non-monetary relief
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
Late Close : XXXX XXXX-Balance {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: GA
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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/2018, I purchased a new car and was financed through XXXX XXXX XXXX, This loan should have been closed with GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 30 days if my demands are not met. This is not a negotiation.

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 2021-11-17
Company: Affirm 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:
I don't know anything about the charges or dates I was in the hospital with XXXX whe. Someone opened this account and ran up the bill I had no knowledge until I saw it o. My credit report I have contacted the company several times with no resolution the company is Affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Revenue Cycle Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I received a letter from Revenue Cycle Associates, claiming to represent XXXX XXXX XXXX XXXX XXXX and demanding I pay a " bill '' and sum on an alleged debt in the amount of {$1700.00}. I have never had any business dealings with Revenue Cycle Associates and by contacting me and demanding a payment on a debt that I allegedly owe, they have violated many Federal Consumer Laws pursuant to the FDCPA as well as 12 CFR which are the codes of regulations they are governed by. I am the consumer pursuant 15 USC 1692 ( a ) 3, and I do NOT owe any debt. By mailing me and alleging that I owe a debt Revenue Cycle Associates has violated 15 USC 1692c ( a ) 1. I believe I am also the victim of identity theft because Revenue Cycle Associates has my mailing address, and social security number which they did not receive directly from me... my personal information and living location has now been compromised pursuant 12 CFR 1022.3. I have never provided my social security number or card for any matter to this company. This company is alleging that I owe them a medical debt, which I do not... .and this signifies to me that they have or think they have possession of my medical records and history, which is a direct violation of 12 CFR 1022.32 and a violation of. This company also threatened me with a declaration of obtaining a judgement and " verification '' which is a violation of 15 USC 1692d, and should they attempt to " verify '' any of my personal information that they have stolen or illegally obtained then I will file an Identity Theft Report with the FTC, Department Of Commerce , Department of Homeland Security, Department of Justice, Federal Maritime Commission, Social Security Administration, as well as i will file a 3949A form with the IRS against Revenue Cycle Associates.

Company response to consumer: Closed with explanation