BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  via the XXXX Network ( XXXX XXXX  ) issued a {$400.00} retail card funded by the XXXX Temporary Risk Corridor Program in XX/XX/XXXX. I activated the card, but the mailer I have kept did not indicate an expiration date, nor did the XXXX site mentioned and listed on the card. The website showed the expiration date as XXXX/XXXX/XXXX, and I also called XXXX, and they confirmed this was correct. I have not yet been able to use the funds, and checked the website XX/XX/XXXX to find a new banner since the last time I checked the website saying all cards had expired XX/XX/XXXX, and the funds were zeroed out, status : Closed - Member is no longer eligible. I called again to be told the program was " retired '' and I would have to call after XX/XX/XXXX to receive a refund check via mail. The agent said mailers were sent out to explain the program was retired, but did not say when, and I am certain one was not sent, as I have USPS digital tracking on all mail. A separate FAQ was created on a separate XXXX page that now mentions the expiration date, but this was not mentioned by any document or communication prior. I feel XXXX did not mention the expiration date in the mailer, misinformed of the expiration date when called, and the expiration date show as XXXX/XXXX/XXXX on the XXXX site to mislead customers, and now many of us have lost these funds because of it. I feel XXXX issued the funds on the cards with this intention, and with the intention to retain the funds. On XX/XX/XXXX, the XXXX  complaint respondent, XXXX XXXX, provided no additional information, could not answer any questions regarding the matter, and offered no further resolution, other than continued follow-up at an undetermined date. She had decided her responsibilities were only to confirm mailers had been sent out in XX/XX/XXXX, after XXXX had changed the terms from no expiration date to expiration on XX/XX/XXXX, and to confirm that refunds would be issued after XX/XX/XXXX through an unknown process that may or may not require further contact. I feel she had no concern or interest that XXXX had violated the federal XXXX Act, requiring a minimum of 5 years before expiration of retail cards. She indicated she had forwarded my concerns to their compliance division, but provided no other details or contact information. Again, I feel XXXX intended to retain a portion of these funds through a process of misinformation, change of terms, and failure to communicate recourse to its customers. A total of {$200.00} XXXX was provided by the XXXX Temporary Risk Corridor Program for these retail cards, and now an unknown number of customers and unknown total amount has not been provided because XXXX has " retired '' the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After the XXXX  fiasco back in XXXX, I froze all of my credit reporting agencies. I paid to have them each frozen at that time. Evidently TransUnion released my credit report to an agency, XXXX on on XX/XX/XXXX without my written permission. How XXXX was able to attain my full credit report is quite disburbing to me, especially when I have my Credit Reports FROZEN so that no one has access by any means. 

I called TransUnion on Monday, XX/XX/XXXX at XXXX XXXX. and was told the agent, XXXX from SC that they have an internal policy that we the public are not aware of which states, " According to Federal Laws, there are situations and organizations that are exempt from the credit freeze. Examples include any person using the information for employment, tenant, or background screening purposes. '' This is against the law and an injustice to me while trying to protect my identity and my personal private information ( PII ). It is absurd that anyone can gain access to one 's credit report when it is frozen especially without a person 's permission to attain it. Isn't this " An infringement of my Rights ''? I exercised my right to place a freeze on my credit reports so that no one can get access to it. This is my right under the US Constitution 2nd Amendment that prevents the the federal government from infringing the right and other agencies on me. 

I want to live knowing that no one has a right to my personal private information when I took the liberty to freeze it. 

PLEASE get this fixed ASAP so that this does not happen to me again or anyone else. 

By the way, as an aside, I presented XXXX with the data they needed from the XXXX XXXX XXXX XXXXk and my Bank gave them my credit rating with my permission, NOT a full credit report. 

Respectfully, XXXX XXXX ( XXXX ) 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 explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is being reported as inaccurate on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, Account : XXXX, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company 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 2015-05-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citibank offered to me as consideration a bonus valued at {$650.00} for signing up for their AT & T Access More credit card. More specifically, XXXX is to receive a {$650.00} statement credit on the purchase of a new cellular phone from the AT & T Company. In order to receive this statement credit, XXXX must take the following actions : ( XXXX ) Make {$2000.00} in purchases within three months of account opening. ( XXXX ) Buy a new phone from AT & T using a unique phone offer link that is provided on the cardholders online account homepage. ( XXXX ) Maintain service with AT & T for at least 15 days. ( XXXX ) Pay a {$95.00} annual fee. 

I made a good faith effort to satisfy all of the above conditions. There was a computer issue on part of Citibank and AT & T that prevented me from satisfying conditions XXXX and XXXX of the Citibank 's offer. Specifically, when I attempted to purchase a phone and sign up for AT & T using the offer link that Citibank provided, AT & T rejected my order on grounds that it could not verify some information regarding my identity that they obtained from a credit bureau ( I made no mistake in submitting my correct information ). Additionally, AT & T made no attempt clear the confusion it was having in regards to the discrepancy in the information that it received from the credit bureau that it deals with ( i.e. requesting a copy of my driver 's license and a utility bill ). 

I XXXX contacted AT & T to get them to reprocess the order. The representative that I spoke to stated that it is AT & T 's policy to refuse to reprocess any cancelled orders made online. Furthermore, he stated that my best option is to visit an AT & T store in-person and purchase a phone in-store. This route would be seamless. However, buying the phone in-store does not coincide with Citibank 's offer. 

I figured that the best way to remedy the situation was to go back to Citibank 's webpage and enter a new order, this this time in close correspondence with AT & T to make sure there is no confusion regarding to information about my identity. Only now, the offer link had disappeared from Citibank 's webpage. 

I contacted Citibank. The supervisor that I spoke with there, named XXXX XXXX XXXX XXXX XXXX, stated that Citibank 's computer system had no way of regenerating an offer link for me to use and that Citibank would not grant me the statement credit if I were to purchase a phone in-person. 

Overall, the problem is that Citibank designed a poor platform and has poor cooperation with is partner AT & T. It refuses to take any reasonable course of action to resolve the issues. I would be happy to buy a phone in-store and submit to Citibank proof of my purchase. Purchasing a phone via this route does not change Citibank 's economic stance in any way. Instead, I 'm left not knowing what to do, and Citibank is now better off economically by {$650.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: PA
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:
On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: WA
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:
i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied

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 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's. 

When attempting to access XXXX a page popped up that stated to send documention to them. I followed the instructions and mailed certified on XX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: AZ
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 am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
A visa credit card issued by Citi accepted a charge from a merchant who had either an incorrect credit card number or expiration date that passed or both. When I called to inquire how it could happen they said that for some select merchants who allegedly submit recurring charges there is a special treatment when it comes to changed credit card numbers and expiration dates that have passed -- they are provided with new credit card info so that they can continue to bill. 

I suggested that this was done without my consent, that the agreement is between the credit card company and the merchant and not with cardholder, that no cardholder can possibly understand dozens of pages of fine print with changing rules. I demanded that Citi remove the charge from my account and pay for it themselves. That it was unfair for them to violate the most fundamental security feature of the credit card and allow merchants to bill with wrong credit card number or past expiration date or both. I further explained that expired credit cards is what should prevent looters like the merchant in question to perpetrate inappropriate charges and contact consumer with a request for a new billing information. 

As an aside the card in question is not in my posession and I believe it was cancelled. When I asked them to tell me what was the expiration date on the active card it date when it was issued. As a result I can not even present the merchant with a proof that they did something inappropriate - bill with a wrong credit card information and get a new credit card info from Citi when both of them realized that credit card number or expitation date changed.

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 2016-05-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been patrons of citibank for decades. We had applied for a XXXX XXXX to refinance our home. When I happened to be at Citibank for another reason, I mentioned that we were getting a loan from XXXX and the loan representative at Citi was called in. He sat down and said we can offer you a better deal. We will match the interest rate and eliminate most of the closing costs since you are a preferred, long time customer. 
I asked how difficult it would be to do this, because XXXX was simple and did n't require reams of documentation. I was told we would need to supply tax statements, and pay stubs, and that was pretty much it. We started this in XX/XX/XXXX. We continued to supply documents until XX/XX/XXXX and then were turned down because of the debt to income ratio. Those very facts were available in the paystubs and taxes we supplied on day one! 
They appraised our home, which we were charged for, and it appraised positively. I feel like we were conned. Our time was wasted and we abandoned a loan that was about to happen. This took place in a branch in XXXX XXXX, where we live.

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 2019-12-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from XXXX  and XXXX ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from Equifax, and nothing from XXXX or XXXX  since the first. I have included the letters I've sent as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow account has been mismanaged, and incorrectly analyzed. Refunds have been issued over the past 2yrs, that should have never been issued, which resulted into escrow shortages, and increases in my mortgage payments for the past 2 years. These mistakes has increased my mortgage payment by {$340.00} in the past 1 years, making it difficult to pay my mortgage, and impossible for me to catch up my mortgage payments, should I ever fall behind, like now. I have never fallen this far behind, but the difficulty in catching up is because of the continuous increase in payments. I have not been able to speak with the assigned case manager, or anyone else representing the company. The recording always states the case manager is not available. There have been numerous times I have been on hold for over an hour. The only type of communication I receive from the mortgage company is by mail. Ive received the same correspondence dated 2-3 days apart on more than one occasion. Now Ive received an intent to foreclosure. My payments have went from {$1000.00} to {$1400.00}, all due to escrow shortages caused by the mortgage companies mishandling of my escrow account. There has been no significant change in my property tax payment or homeowner insurance payments. In one analysis PHH states actual payment for property taxes were {$12000.00}, and Hazard Insurance paid was {$1.00}, XXXX. My last property tax payments totaled {$8600.00} for XXXX, paid in XXXX, and Hazard Insurance paid was {$1300.00} for XXXX. I don't know where they got this information from, and it is not supported by any of the payment information of the Escrow account. The escrow shortage exist only because of the mismanagement of the escrow account for XXXX and XXXX, XXXX. During this time they have refunded a total of {$5400.00} and the shortage amount totals {$6300.00}. The amounts listed for actual payments of property taxes and insurance are incorrect, but I can never reach anyone to discuss this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: NV
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:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from XXXX  and Experian ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from XXXX, and nothing from XXXX  or Experian since the first. I have included the letters I've sent as proof.

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 2019-12-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMMONWEALTH FINANCIAL D63764 {$980.00} XX/XX/2019 This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

Company response to consumer: Closed with explanation