BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-29
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened an account with Citibank to consolidate my debt and take advantage of a 0 % rate. I set up the account and ask for no emails. 
They have started sending " hello, you have an account with us '' emails. The clerk says, if they have my email, they will be sending this email every month. 
It has no " unsubscribe '' link and she ca n't unsubscribe me either, unless she deletes my email from their data base. I want them to have my email, in case they have something of importance to say, but I wish to be left alone otherwise. 
Can you require them to leave me alone? 

Then, second, she has no way to forward a complaint to the corner office! I have to send a snail (! ) mail complaint to the following address Citibank XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I find this rude, contemptuous, and mean-spirited. 
thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have contacted XXXX at least 20 times about this issue.

1. XX/XX/XXXX XXXX reporting on a closed account that was current when closed that the payment history was 120 day late. As a result my credit score on TransUnion dropped 52 points that day. - ( XXXX XXXX attached showing conns report of missing balance on a closed account and points dropping ). 

2. After several emails and phone calls XXXX responded today and said they do not show in there system that I am delinquent and information on credit report is incorrect. - ( Email attached from XXXX agent. ) 3. XXXX is basicaly suggesting the TRansUnion is fraudulently changing my credit report, because according to them they are not reporting incorrect information ( TransUnion report of XXXX account attached. ) 4. This is financially harming me, reporting incorrect information on my credit report, whether it is XXXX or TransUnion. I Need this corrected and removed immediately. 

5. Please post this on the site, Im sure there are 100 's of thousands of people this is happening to, this is preventing me from getting a home for m family.

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 2015-05-13
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Other

Complaint:
My wife and I applied for a construction loan last year and when our credit was pulled it showed that I was an Authorized signer on her credit card account with Citi. We have called multiple times, faxed letters requesting that they remove there false reporting 's from my credit. I started this in XX/XX/XXXX and in XX/XX/XXXX they agreed to remove me as Authorized signer, but will not fix my credit. I have never had a credit card with Citi and would really appreciate it if you could resolve this problem. I give you permission to contact my wife XXXX XXXX in this matter as it is easier for her to receive calls and emails due to her work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: SC
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 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )/ account # - XXXX / {$68.00} XXXX XXXX account # XXXX / {$1100.00} XXXX XXXX  XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX  XXXX XXXX account XXXX - {$18.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My ( collection ) account? has been reported to XXXX  as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is 1 ) I was not in XXXX , Az at that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by XXXX as I was on XXXX as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves XXXX  stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and XXXX  as well as XXXX XXXX are Lying to everyone about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Citibank credit card for 20 years and my credit history is perfect with a rating of over XXXX. Much to my surprise, my account was cancelled due to inactivity but I had no warning. I can reinstate, but have to go through the same process as a new card. I 'm VERY concerned about how an account closure will affect my credit as my husband and I are looking at real estate and I had a credit limit on this card at {$22000.00}. I understand they were n't making enough money from me, but how can they do this without advising the customer? What about my exceptional credit rating?

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 2016-09-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Macy 's provided me with an XXXX Credit Card despite me telling the person in the store and the credit checker that I did n't want it. There was confusion on my part relative to my existing Macy 's account.

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 2015-10-09
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested 4 times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan. Also my bank revoked the authorization for the payment for {$1500.00} that citi bank attempted to steal from me that was not authorized. I also did not appreciate XXXX at the presidents office for student loans for Citibank tellime that that them steling my money was my fault and they did no plan on returning my stolen money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
American Express has been charging my credit card {$14.00} a month for the past 6 years for a product named XXXX I have a serious Identity Theft issue that has resulted in me being reported as deceased on all XXXX credit bureaus and a company with a data breach that exposed all of my personal information. I contacted XXXX who informed me to contact XXXX XXXX company to get a copy of the policy and proceed with a claim only to learn months later that my claim was denied and I still have these score of XXXX on my credit report stating that I am deceased. I 've had to retain an attorney on my own because this XXXX XXXX XXXX is deceptive and misleading and you wo n't know it until you have a claim and it covers nothing as it is advertised. American Express has charged me a total of {$1000.00} in the past 6 years and I demand all of my money back immediately. I 've called Customer Service for the past month been hung up on by supervisors and customer service representatives. I 'm trying to resolve this matter with American Express in a professional manner without civil action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, XXXX, Citibank, N.A., engaged in unfair and deceptive acts in administering and closing a credit card account that I had used responsibly for over 25 years ( since XXXX XXXX, and which Citibank, N.A., had previously indicated in writing would be open without an annual fee for life, my life or Citibank 's. That representation turned out to be false. 

Moreover, only four months earlier, Citibank, N.A., issued me a new Visa platinum card purportedly the period of XXXX XXXX through XXXX XXXX. That representation turned out to be false. 

The " notice of account closure '' dated XXXX XXXX, XXXX, indicated in bold letters " We 're sorry we were n't the right fit ''. 
This followed other written representations from Citibank, N.A., regarding my account : " Thank you for being a loyal card member since XXXX! We appreciate your business and are continually looking for ways to make your relationship with us as rewarding as possible. '' and " Thank you for being a valuable AT & T Universal platinum Card member. '' and " No annual fee for life. '' I filed a written complaint with Citibank, N.A., CEO XXXX XXXX on XXXX XXXX, XXXX, including essentially what is in this complaint to CFPB. I received no written reply from any Citibank entity, and only a telephone call from someone who told me that my letter to XXXX XXXX was forwarded to him, and I could apply for a new account. It is unprofessional and inappropriate for Citibank, N.A., not to have responded in writing, and not in any way to have addressed my claim of unfair and deceptive acts in administering and closing my account. 

The purported reason for closing the account was inactivity. However, I pointed out to XXXX XXXX something that should be abundantly clear to a card executive : that the nature of revolving credit involves periods of inactivity and zero balance. Citibank , N.A . 's written communications with me have been dishonest, and Citibank, N.A., has been dishonest and unfair in closing my account of 25 years, a period of time during which I rejected many other card companies ' offers of credit because I had this particular Citibank, N.A., account. 

Whereas Citibank, N.A., stated that I was a valued customer for life, it turns out that I was really unwanted, expendable, and not even worth a written response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from 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 2016-06-13
Company: CITIBANK, N.A.
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Home Depot financed repair & restoration of my kitchen severely damaged by water leak + upgrade in kitchen cabinets at the same time. Approximately {$14000.00} at no interest. Monthly payments all on time, but recently received a bombshell cumulative interest added of {$6000.00} +, when the principal was about {$3000.00}. Now the balance is {$9000.00} +. I outraged by this scam, and want to take legal again against them.

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 2017-03-17
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had XXXX fraudulent transactions occur on my Citi credit card totaling to almost {$900.00} so I called and informed them. The transactions occurred on XX/XX/XXXX and the XXXX, I called and reported them on XXXX. XXXX of the fraudulent transactions were handled by the XXXX however I still have the XXXX most expensive still on my account today, XX/XX/XXXX XXXX. I have called four times all together now, each time I was told that things were still being handled until today. Today when I called, I was told the XXXX transactions that were still on my account have actually never been reported although I have called in three other times and told them the exact name of the transactions and the exact amount and reported they were not my charges. I also spoke to an online representative about the situation. My complaint is why was it not handled until today and why was it never noted as reported even though I have called multiple times. Now since the charges have been on my account for some time I believe it has affected my credit score, not much but to my understanding it should not have affected it at all. I was told today that the credits should be posted to my account within the next five to seven days and the person I spoke with today reported them while I was online but the transactions should have already been reported based on my calls.

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 2021-08-29
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COMPANY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OHXXXX  ... ... .SETTLEMENT PLAN OPTIONS ... .. 
OPTION 1. {$1000.00} I CHOSEN OPTION 2 OPTION 2. {$1100.00} INSTELLMENT PAYMENT EVERY XXXX OF THIS MONTH AND PAY FOR TOTAL 6 MONTHS ( {$1000.00} ) I START PAYING 1. XX/XX/21 -- {$200.00} 2. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} -- PAID 3. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} plus {$4.00} -- PAID but I cancelled regarding {$4.00} that is protection plan they said it is not necessary after that they didn't charged XXXX payment intentionally I do not know why and I find that out XXXXbecause I must pay XXXX installment and I called them why did not charged? AT THAT TIME I PUT THEM INTHE MY DEBIT CARD NUMBER and I got the credit for {$4.00} to my bank account 4. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- - $ XXXX-PAID after XXXX paid I find that out the my credit report the debit amount it suddenly JUMP UP TO {$1700.00} I'm very frustrated and called them why you guys not lying? but they did not listen at all after I mailed documents what is going on but never listen and pay {$1700.00} because I missed XXXX payment but I do not missed if I missed how can I pay XXXX payment? they do not charged intentionally and now they just changed collection company I got the new collection company and they said pay? XXXX the new collection company is RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX so please help me out still they call me every twice a day I can not sleep, eat, anything because of that. please solve the problem THANK YOU VERY MUCH

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 2021-08-28
Company: CAINE & WEINER COMPANY, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has commuted third party disclosure fraud twice. They initially sent me an email with no security protections that led to third party disclosure describing my debt owed. They then called a number associated with me, and again withough verification of the consumer, began releasing private information to a third party. When questioned about the disclosure, they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am complaining about XXXX and Navient who steered me into economic hardship deferment and forebearance and made things difficult for me pertinent to income-based repayment now that I am out of time remaining for forebearance and economic hardship deferment. I am XXXX and I am in the process of seeking loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I got a new Bank of America credit card. I went into my Bank of America on-line bill pay and paid the complete balance by the due date. On the next billing cycle of my credit card, the statement says I never paid and it charged me late fees and interest. I went back into the online bill pay and it says Bank of America cancelled the payment to pay off the credit card. I talked by phone to a Bank of America rep and he just had no idea about what happened and told me to just pay off the balance including the late fees and interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Victorias Secret credit account # XXXX XXXX XXXX XXXX with Comenity Bank was charged a minimum interest charge in late XXXX ( I believe the charge was billed on XX/XX/XXXX ) for which I was unaware. I was not expecting a charge because I had paid off the balance in full earlier in the month on XX/XX/XXXX and had not used the card at all since. After I made the payment I checked to make sure it had posted the next day and it had and the balance reflected {$0.00}. However this charge was apparently for the previous month and was billed after the fact. I was advised it was charged anytime a balance carries over. But most people do not check a credit account when theyve already paid the balance in full. 

Also, considering the fact that the credit card company makes money only when someone carries a balance and interest accrues, to charge a fee for the credit card company to essentially make more money off of you when they are already making money by the sheer fact that you carried a balance and are paying them interest, it just feels extremely predatory to me - like they are finding a legal way to increase interest without actually increasing interest. Which prohibiting the unlawful increase of interest is the whole intent behind usury laws. Because I was not aware of this fee ( it wasnt a practice at the time that I opened the line ), I was advised it was something they implemented later, it continued to carry over and I only discovered it when my credit reporting agency notified me that my score had dropped 150 points because one of my credit lines showed past due. 

I called the credit company directly to say I wasnt aware of any fee, that Id already paid the balance in full and I asked them to please remove the late from my credit reporting - that I had brought the account current and wasnt aware of this practice. I was advised that the fee practice is legal, they can do it, that I missed it, and that they werent going to remove the late payment from my credit for the fee that they charged me for them making money off of me by charging me interest, even after Id paid the balance in full. 

This fee has caused the exact same issue to several other card holders as it has to me. This is a predatory practice, its not a clearly identified or anticipated fee ( like a late fee would be ), and I feel like this practice shouldnt be permitted, this is an overly complicated practice for the consumer, and one only designed for the intent of further making money off of increasing interest payment - without actually having to unlawfully increase the interest rate, thus bypassing usury laws. A lot of consumers feel that this type of fee should be considered a prohibited practice under usury laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I would like validation of this debt. I do not owe XXXX any money.

Company response to consumer: Closed with explanation