BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE XXXX  AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. XXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX , XXXX  XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX, XXXX XXXX  '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.

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 2017-05-21
Company: JPMORGAN CHASE & CO.
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:
The information on the entry for th e Chase a ccount is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00}  Balance Due of {$0.00} ( " - '' ) a nd  Past Due of {$0.00} " - '' ). The " Status Updated ' ' date reflected a date of  XX/XX/XXXX . I also received a  XXXX  in  XX/XX/XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XX/XX/XXXX    I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by  Chase to reflect an older " Status Updated  '' date of  XX/XX/XXXX . In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score also dro pped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date ''  changed from   XX/XX/XXXX  with the correct information to a " Status Updated '' date of  XX/XX/XXXX  with INCORRECT inform ation. However, this dispute to  XXXX  resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting agency (    XXXX   for resolution ) I sent another dispute to  XXXX  with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XX/XX/XXXX  but got the same result. No correction updates to my   XXXX    report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this Chase entry either deleted or updated back to    XXXX     out balances and past due amount. This entry is now  one month from being 6 years old and had been reflecting positively with a Paid Status, w as charge off and  XXXX  past due for 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  dropped my score over XXXX  XXXX  Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And experian No reason given how can a score dropped over XXXX  XXXX  in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you 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 explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And XXXX No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: ID Analytics, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( XXXX ). Per the terms of the promotion, I would receive XXXX XXXX XXXX AAdvantage bonus miles upon completion of {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within 60 days of account opening. A copy of the terms and conditions of the promotion is attached. 
I completed the requirements on XXXX XXXX, 2016 and messaged Citibank on XXXX XXXX, 2016 via their online live chat system to confirm that I had fulfilled the requirements to receive my XXXX AAdvantage miles. A Citibank representative confirmed that the requirements had been met and that I would receive my XXXX AAdvantage miles around XXXX XXXX, 2016, which is in accordance with their terms and conditions that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' A copy of this chat log confirming completion of the requirements is attached. 
I sent a secure message on XXXX XXXX, 2016, 94 calendar days from the date when I completed all offer requirements, to ask about when my bonus miles would be deposited. A representative replied on XXXX XXXX, 2016 that I was not eligible due to not being targeted for the promotion. The original terms and conditions of the offer contained no such language that receiving the bonus miles was contingent on being targeted. It states that the offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who received the communication, are new consumer checking customers XXXX years of age or older, and did not have a consumer checking account with Citibank at the time of applying. I met all of those requirements. 
My application was accepted with the promotional code and a Citibank representative confirmed that I met all requirements. Therefore, I expect Citibank to honor the promotion as well as their promise to deposit my bonus miles 90 days from when I completed all offer requirements ( XXXX XXXX, 2016 ). As of today, 96 calendar days have passed from the date when I completed all offer requirements, and my AAdvantage miles have still not been rewarded. It is apparent that Citibank is deceiving new customers and I advise others to not do business with them unless this can be resolved.

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 2015-12-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I have a Macy 's credit card for which I automatically debit a checking account to pay my monthly bill. I purchased furniture on a 12 month interest free promotion at Macy 's, which promised to bill me in XXXX equal installments. The furniture amount was over {$1400.00}. On the first monthly payment, Macy 's debited my checking account the full amount of the charge rather than XXXX of the charge as should be done on a 12 month interest free promotion. I asked Macy 's representatives if my auto-pay would make the promotion not work, and I was told it was not a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/20 I was transferring through my XXXX XXXX account {$500.00} from my Chime Bank account into my own XXXX XXXX account. After doing so the money never showed up into my cash app account. I then realized my money didn't go to my own account, but instead went into another person 's account. I immediately canceled the transaction, tried to call cash app ( the number is an automated system that refers to an email ) sent a support message to cash app through their help section of the app. I received an email confirming my cancellation request. I sent a help ticket to Chime requesting a stop on the transfer. Chime said they couldn't do anything until the transaction was no longer pending. I sent 2 more messages with no response to cash app. Finally, after the transaction posted and the transfer was complete XXXX XXXX emailed me saying they know it's not the response I hoped for, but since the transaction is now complete they couldn't help me. Nevermind that the money was transferred unauthorized to a stranger 's account, nevermind I contacted them immediately, and I canceled the transaction. I requested a telephone number to speak with a person, and all they've done is email me saying they can't/wo n't help me. I filed a formal dispute through Chime and am still waiting to hear from a manager. Chime originally told me no they wouldn't help me because it wasn't completely unauthorized and that I'd have to go to cash app, but then I asked about being covered under the EFTA because I noticed the ERROR and contacted both Chime and Cash App immediately and tried everything in my power to correct it, they sent me a form to fill out. Under Regulation E the EFTA States that '' if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an XXXXFT that should have been included. '' I'm getting no help on resolving this issue. My {$500.00} is in someone else 's account, and cash app is neither reversing the transaction to my chime account or to my cash app account. Please help me. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo gave me wrong information when declining application for Home Equity Loan. 
1. They said that there was a foreclosure on the credit report. They claimed that a 'charge off ' if a foreclosure. 
I checked my credit report and also did a title check ; there is no foreclosure listed on either. 
2. They said that there was an {$1800.00} per month student load payment. 
I called my student loan company and checked my credit report ; the payment is listed at {$740.00} per month.

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 2020-11-11
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
I sent dispute letter over 45 days ago to advised creditor that are reporting account incorrectly and to have account updated. Per my request, I have advised that this account as been paid and full with no late payment history on account and to have account closed. This information listed on my credit report is incorrect, inaccurate, and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a XXXX checking account in XXXX 2016 after receiving in the mail promotional code XXXX. This promotion entitled me to earn XXXX XXXX Bonus Miles if I made XXXX electronic bill payment for two consecutive months and {$1000.00} in purchases using the Citibank Debit Card. 

These were required to be completed within 60 days after account opening ( meaning by late XXXX 2016 ). I am not sure what the problem is in Citi 's operations department, but I had to call customer service multiple times in XXXX and XXXX because I never received a debit card. I first needed the debit card before I could make the {$1000.00} in purchases as well as activate my online account to make the bill payments. 

Finally in early XXXX I received my debit card, over 60 days after account opening. I called customer service and explained the situation, and the representative explicitly told me I could still complete the steps and receive the promotion, even though it was past the stated deadline. The representative told me to call back in and report when I had completed the bill payments and purchases. 

I called in early XXXX to report that I had met the requirements, and I was told I would be awarded the miles within 90 days. After over 90 days had passed, I called on XXXX/XXXX/2016 and inquired about the status. After waiting 5 more days, I received an email stating " your account does not qualify for the promotion because the required bill payments and debit purchases were not made within stated timeframe. '' I called again and asked for a supervisor, who told me that " the Promotions team may have told you that you qualified this summer, but now they say you do n't. '' Had I been told this originally in XXXX and XXXX when I called, I would n't have kept my account open. I have been paying a XXXX monthly service charge each month waiting on the miles to vest and deposit into my account. I honestly believe that Citi enticed me to open an account with a promotion, then intentionally provided slow service and mixed answers so they could continue to collect my monthly service charge. 

I am extremely angry with this situation and Citibank 's response. Not receiving a debit card for over 2 months as it was supposedly " lost in the mail '' multiple times is unacceptable. On top of that, being explicitly told I was granted an exception to the promotion timeframe deadline, then being told the opposite with no recourse after Citi extracted multiple months of service charges, is ridiculous.

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 2016-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I set up a business account with Bank of America. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.

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 2022-09-17
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in a debt management program and thought this debt was included. I wasnt aware that I still owed the balance until they reported to my credit report. No phone call, no letter in mail only sent to credit beauru and that is how I found out about the debt from XXXX. I asked them to remove from credit report and told me they didnt have to send me a letter. According to them and call was recorded that they didnt have to send me a letter in the mail. I am paying balance on XXXX but I need this removed from credit report. Company is National credit adjusters. They never notified me that it was sold to them or sent me anything about the debt to be paid or gave me an option to pay before it went on credit report. but they had a note that it was in a debt management program. XXXX collections and needs to be investigated I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted the collection agency XXXX XXXX XXXX a few times over the course of 4 yrs. The debt in question owed to XXXX XXXX XXXX for {$110.00} was paid twice. When I saw this on my credit report I paid it right away to XXXX XXXX at XXXX XXXX. I contacted XXXX to let them know and was assured they would take care of it. For 2 yrs, still on there, I then file a dispute request and received no answer. I did however receive a refund check from XXXX XXXX for the double payment of the {$110.00}. I sent a copy of the stub and letter to XXXX only to see this still remains on every credit report possible. Resulting in a poor rating towards my credit character.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
After reviewing my credit report, problems with my Macy 's card has significantly affected my credit. I have only purchased something on this card twice. The first time I paid in full. The second time, I was not receiving the bill after changing addresses and was three months late. I called Macy 's and told them I never received a bill or late payment notices. They agreed to take off a significant amount of the late fees. I paid in full exactly what Macy 's customer service told me to pay. I have not used the card since as of XXXX. It was paid in full with a balance of XXXX so I did not continue to look at the statements. However, for the next 6 months they charged me {$2.00} every month as minimum interest charges. Again, I received no bill or late payment notices. Finally, after having a {$12.00} balance on my account, I receive a statement in the mail saying my credit limit was lowered to XXXX dollars and I have been delinquent in payments. I called Macy 's and explain what happened and they told me they will credit me XXXX dollars since I should n't have been receiving minimum interest fees. I ask them to close the account and they say it 's closed. I would like to fix the negative account on my credit report. I have never paid interest or late payments on any other credit card. XXXX Macy 's credit card should not affect my score this much. I paid exactly what they told me to pay but they kept charging me minimum interest fees on a XXXX balance account without my knowledge. According to FICO, my credit score has dropped from XXXX when I bought a car in XXXX to XXXX as of XXXX. It was XXXX in XXXX and it has dropped XXXX points in just one month and the Macy 's card is the only negative account on my report. Please let me know what I need to do to fix this inaccurate negative reporting.

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 2020-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 XX/XX/2020, Capital One Auto Finance did a hard inqury on my report. During that day, I was at the XXXX Dealership looking to purchase a new car, which never happened. The salesman provided me with two lenders they used ; however, Capital One was not on the form. 

They ran my credit and caused my score to decrease. I did not authorize them to run my credit as I already have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a checking account with Citibank late last year when there was a promotion of {$400.00} bonus when you deposited {$15000.00} in the account. The terms were the bonus would be posted within 90 days of requirement completion. I completed the requirement ( deposited {$15000.00} ) on XX/XX/2016. As of today, it has passed 90 days and the bonus has n't posted to my account yet. I 'd like the {$400.00} bonus as promised by Citibank.

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