BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Mid XXXX : Received a booklet in the mail, the contents of which says : earn up to XXXX ThankYou Points if you open a checking account and perform certain activities. " Offer expires XX/XX/XXXX ... If you fulfill the required activities for this offer and are eligible under the qualifications of this promotion then the bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all required activities. '' XX/XX/XXXX : Opened checking account. 

XX/XX/XXXX : Completed all qualifying activities to earn XXXX ThankYou Points. This was later confirmed by two representatives on the phone on XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX : Received an email from Citibank : " Congratulations! You have completed all required activities for the ThankYou Points Checking Offer. The bonus ThankYou Points will be credited to your existing ThankYou Member Account within thirty ( 30 ) days. '' XX/XX/XXXX : Called Citibank. They disregarded what I received from them by mail and what I received on XX/XX/XXXX by email. They said I will get your points on XX/XX/XXXX. 

XX/XX/XXXX : Called Citibank. They disregarded what I received from them by the mail, what I received on XX/XX/XXXX by email, and what I was told by them on the phone on XX/XX/XXXX. They said it will take up to 20 business days to investigate this. I do not trust them at this point, as they have lied to me four times.

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 2019-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
It says I have regular inquiries on best buy. Yet I have no connect to best buy

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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.

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 2017-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
I reviewed my credit report and noticed my credit was pulled by XXXX XXXX. I did not authorize this pull nor have I received any services from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2019-10-18
Company: MS SERVICES LLC
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:
On XX/XX/2019 I filed complaint number XXXX against XXXX XXXX XXXX XXXX. None of the actions described in their response received XX/XX/2019 have been honored. Instead XXXX XXXX XXXX XXXX sent me to the collection company MS Services. MS Services is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the XXXX   representative named in the reponse letter, have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: CA
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 submitted a complaint to the CFPB on XX/XX/XXXX. All three reporting agencies responded ; Equifax, XXXX and XXXX responded on XX/XX/XXXX, closed the complaint and did nothing. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of XXXX, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report, it indicates that I live at XXXX XXXX XXXX XXXX, TN XXXX -SINGLE FAMILY. I have never lived nor don't know where this is. It also states that This address has pertained to a business : XXXX XXXX XXXX XXXX TN XXXX, which when I looked it up on XXXX XXXX, belong to some church. Fox Collections is apparently reporting this address as a way to say they have contacted me to collect a debt. 

This is what it says on credit report : Reporting " XXXX XXXX XXXX XXXX, TN XXXX '' This Address was reported to XXXX by FOX COLLECTION CENTER and 3 other companies ( which is FOX as well ) Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

FOX COLLECTION CENTER ( XXXX ) XXXX Collection FOX COLLECTION CENTER ( XXXX ) XXXX Collection FOX COLLECTION CENTER Collection account. {$310.00} past due as of XX/XX/2019. 
( XXXX ) XXXX Public Record FOX COLLECTION CENTER Collection account. {$340.00} past due as of XX/XX/2019. 
( XXXX ) XXXX Public Record I called FOX to let them know that the address is fraudulent and that they are reporting inaccurate information. No change because I received this notification as of XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found this tradeline listed on my credit report. I send a dispute letter onXX/XX/XXXXto Portfolio Recovery Associates LLC to dispute the debt in accordance of FDCPA and Texas Debt Collection Act ( attached ). They have not sent any proof of any contract bearing my signature or or showed any proof they are legally allowed to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the XXXX you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2020-06-22
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase in XXXX of XXXX, and applied for an apple card due to a discount if I opened an account. I gave the apple store clerk all my billing information including email address for which I wanted to receive statements. Apple Store uses Goldman Sachs Bank for their Apple Card. My intent was to pay off the card on the first billing cycle to avoid any interest. Having never received a statement, in XXXX of XXXX I was notified of a negative entry on my credit report from a monitoring service that I have. It was from Goldman Sachs Bank of overdue payment ( which I never received a statement ) On calling the Bank XX/XX/XXXX the representative I spoke with stated the statements go out electronically. I explained that I never received any electronic statement and would like to know where it was sent. The representative stated she could not give out that information. I asked for the address to send a complaint regarding not receiving any statements and was given Goldman and Sachs/Apple Card XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX ( In the middle of the current pandemic ) I sent a certified letter to Goldman Sachs explaining the situation and requested mailed copies of statements, as well as provided my email address and telephone number so someone could get back to me to discuss this issue. I also requested all paper bills from this point forward because I was not receiving electronic bills, as well as a redaction of the delinquency in my credit report. Although I received the paper statements up to XXXX in XXXX of XXXX, I still have not received any paper monthly statements. I saw that the email they had on the account is not my email address that I provided to the Apple Store representative for the application. 

The statement stated I owed {$2500.00}. On XX/XX/XXXX I sent a certified letter with the full amount that was owed, stating this was my payment in full to close the account. It was posted to the account XX/XX/XXXX. I also included in the letter to have all correspondence of this account be in writing and gave an address and telephone number. Nothing was ever received from the company. 

I made an inquiry in XXXX of XXXX and found the account was never closed and still accruing interest. When I called and spoke to the representative I was told that all cancelled accounts had to be done over the phone. When I stated that I sent a certified letter with instructions, she repeated that all accounts had to closed by phone. In order to close the account I had to pay an additional {$14.00} for interest ... on statements I never received? 

I find it appalling that a company can do this. I hope this complaint can be rectified and any interest charges that were paid be refunded as they bank was not sending any information as requested in order to payoff and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I am contacting you in dispute of the below creditor, Debt Originator : XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Collection Agency : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently disputed this account with the CFPB, as a resolve the company stated it could not locate me in their database, therefore requested more information. 
I have provided as much information as possible and again I am requesting that the reported information be removed from all credit reports for the following reasons. 
1. The reported balance of XXXX is incorrect - I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. 
XXXX/Comenity Bank refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 

On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. 
Attached are several labeled documents to support my claims. 

Thank you in advance for your assistance in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I reported unauthorized fraudulent activity on my debit card following a property/identity theft on XX/XX/XXXX which resulted in {$1600.00} of unauthorized charges and incorrect fees. My cell phone with the same number registered with Chase was also stolen. Upon reviewing my phone records, I saw 20+ calls to Chase Fraud Protection Hotline which were attempts to authorize transactions that were stopped due to suspicious activity on my account. I was issued a temporary credit while my claim was investigated. After investigating my claim, I was informed that the claim was denied due to PIN/chip use and because " I '' authorized the transactions over the phone, when in reality it was the thieves who fraudulently authorized it using my personal information obtained in the identity theft. At this point, I submitted a police report and phone records for further review. The claim was subsequently partially denied again for the transactions totaling {$260.00}. 

In violation of the EFTA, Chase advised me that the decision on this claim was irreversible and they would take no further action, despite the outstanding unauthorized debits to my account in the amount of {$260.00} ; {$210.00} more than the {$50.00} limited liability for unauthorized transactions through a debit card, provided by the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A few years back I refinanced my home. My business was doing badly. I went very quickly from a mortgage payment that was affordable when I purchased the home to one that was raised to unaffordable. The refinance ( XXXX XXXX ) company used up my equity to achieve their goal of forcing me into foreclosure. Not only did they get my home but they also got 100 % of my equity. I believe this was a company practice, planned and predatory. I believe this was predatory because of the systematic way the finances kept getting worse at an ever accelerating rate. There was no help coming from them to keep the mortgage going and my family in the home. We lived in our home for 17 years. We tried to sell our home for three years, but were not able to because we had to keep raising the price to satisfy what we owed to Ocwen Mortgage who kept raising their fee faster than any ability to stay even. We were essentially underwater and kept there. The amount of financial distress my family of XXXX has incurred is irreparable. My business is not capable of making the amount of the equity and home price that I believe Ocwen planned to take and took from us. The damage and anguish has affected my XXXX children, my spouse and myself in a most adverse and possibly tragic way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX I contacted and enrolled in a non-profit credit counseling company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ) They put together a repayment plan with all my credit cards ... all agreed except Comenity Bank XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX proposed and has been paying {$390.00} every month since XX/XX/XXXX but Comenity me to the credit bureaU AS PAST DUE AND DELINQUENT which adversely affected my credit score. 

In early XX/XX/XXXX I wrote to Comenity Bank and requested a reduction in my monthly payment They failed to respond and instead, have been calling me daily

Company response to consumer: Closed with explanation