BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my account XX/XX/2020 and was told I would receive my check for balance in the account {>= $1,000,000} within 30 days. A couple days later I received email asking for me to provide source of my income. I provide the source of my income thru invoices which was stated in the email that I could use. I later get another email asking me to provide copy of my licences front/back as well as copy of utility bill in my name to verify my address. I provided the information thru email. Then I later recieve another email asking for XXXX and I provided that as well. I also received email XX/XX/2020 that I would receive my funds within 3 to 5 business days thru express mail. 3 hours later I received another email stating there was a hold placed on my account. On XX/XX/2020 I received email stating my account was closed. I don't know how because I closed the account on XX/XX/2020 and I also have the email that was sent to me stating I closed the account XX/XX/2020. I have been getting the run around about my money. Bank states I broke policy 9 which there's no policy to be broken in the section. The policy states that the bank reserves the right to keep any remaining balance thats {$1.00} or less left in the account. I have {>= $1,000,000} left in the account I closed. Well over the balance they allowed to keep. I have all emails that was sent to me at one point or another stating my check will be mailed out on this day. I have one email that says my check was being mailed out on XX/XX/2020. I also have email XX/XX/2020 that states I will receive my check within 3 to 5 business days. It all boils down to I was asked for documents, and those same documents I sent thru email to the bank. I did what was asked of me. It also states in section 9 that I must request that the remaining balance be sent to me. I did that as well and for no reason at all the bank still has my funds in there account. I have all emails I sent as well as all emails I received from the bank. All documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a Best Buy card serviced by CitiBank. I had purchases which were eligible for zero interest if paid within a certain amount of time. At the time of purchase, I assessed the amount and divided the total into payments so that I could have the balance paid off prior to the interest incurring on the account. I paid $ XXXX month rather than the minimum charge in order to pay off the account before the interest would be charge. I set up automatic bill pay so the funds were taken from my bank account each month. In the meantime, my credit was compromised and I was locked out of many of my accounts online. This wasn't a problem to me because I had the bill on auto pay so I really didn't need to access the account. 
In XXXX, I realized I had been paying this bill for a very long time, and wanted to see why it seemed to never go down. I called the number on the back of my card to speak with a representative. The person told me that the interest free promotion had ended in XXXX. There was a small amount left on the balance at that time, so the interest was charged retroactive to the initial charge amounting to over {$900.00} on a {$2500.00} original purchase. I never received a letter to this effect, an email, a phone call, nothing. I asked for the charges to be removed, but I was told that if I had called by XXXX, they would be able to remove the charges, but I had passed my 60 day grace period and they could not remove the charges. I have offered to pay whatever actual principal charges are on the account, but I am refusing to pay the interest. I realize I should have been more mindful of when the promotion ended, but I thought I had calculated correctly. I have attempted to rectify this issue, but CitiBank will not budge. I'd like to pay the account balance and in light of my payment history, I do not believe I should have to pay this interest since I had no notification.

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 2017-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Hung up on by lender. 

My wife and I are both listed on this auto loan - her credit report shows no late payments, mine is flagged with late payments. I 's the same loan. The loan is now paid off and I 'm still getting hit with late payment notices. 

My suspicions are some one is in the background playing around with this account because of who we are. We paid the loan off on XX/XX/XXXX, cleared on XX/XX/XXXX. As you can see I am still getting flagged with late payments. 
And as of XX/XX/XXXX we are still waiting for the title. 

The lender is XXXX XXXX XXXX. This institution has thrashed my credit.

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 2020-08-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/20 I received a letter from Citibank telling me that I have opened a checking and savings account. I have never opened a checking or savings account with them and I only hold a credit card account with Citibank. 
I immediately called them to report it and was told that they will investigate the issue. 
I still have not received any updates as to why the account was still open and active. I even got the debit card and the checks in the mail. I called XXXX to let them know that I got those items and that the accounts are fraud and I wanted it closed.

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 2020-01-08
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to XXXX, XXXX, and Equifax. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with XXXX but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I received a alert on my credit monitoring ... XXXX a collection item was reported to my Experian credit file as a negative item from XXXX XXXX ( {$170.00} ). I contacted XXXX XXXX immediately and they faxed on XXXX/XXXX/2016 me a letter that this item should not be on my credit and they have requested all credit bureaus to delete/remove this negative item from my files. 
My credit is very good as I have no negative items and have never been late on any payments. This negative item should not be on my report ... ... and has cause my Experian score to drop XXXX points. It needes to be removed I am a veteran and am in the process of getting a VA Loan to purchase a home and I need to immediately have this negative item removed from my credit report. My efforts contacting Experian 's customer service to provide me with a fax number or email address to send them this letter from XXXX XXXX and remove this negative items has been frustrating. They refuse to give me information and say it will take 30 - 45 days to remove this negative item from my credit file. 
That is not acceptable ... ..it is critical that this item be removed immediately as it is jeopardizing my ability to get a VA Loan or are getting the lowest interest rate possible. 
I would greatly appreciate if you can contact Experian immediately and let them know that there is an urgency for them to remove this negative item from my credit file with the documentation of the letter from XXXX XXXX that is attached.

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 2015-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for Bankruptcy XX/XX/XXXX. I was discharged under Chapter XXXX XX/XX/XXXX. The bankruptcy trustee did not pay real estate taxes on property within the estate and these have wrongly been placed on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Emerald AR Systems, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with EMERALD AR SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with EMERALD AR SYSTEMS. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received my experian credit report today XXXX/XXXX/16 ... .The report is dated XXXX/XXXX/2016. My express account is still showing as accounts that are potentially negative. I immediately contacted experian to dispute this because I have supplied them with a letter staing that this account should be reporting as accounts in good standing. I spoke with the rep and was told the express account was updated on XXXX/XXXX/2016 and showing as accounts in good standing. However the report I received today shows different. I requested a new and corrected report be mailed to me and was told I have to wait till it 's updated. I am very confused as I was told the report updated on XXXX XXXX 2016 and the report I received today is date XXXX XXXX 2016 so this account should have be updated and moved to satisfactory already. I went online and it shows accounts in good standing. But I am concerned because if I apply for credit and my report is pulled it is going to show incorrect information. I was unable to receive another report. I want to see it in writing that this account is reporting as accounts that are in good standing.

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 2016-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Disputed account is well beyond the 7 year statute of limitation from first default and being on a credit report and still remains on 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 2020-08-12
Company: I.C. System, 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:
I have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX  XXXX XXXX ), XXXX  XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, I C SYSTEM ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ), XXXX  XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF ACCOUNTS WAS OPEN OUT OF THE CITY OF XXXX AND I STAY IN THE XXXX, MS SO IM NOT UNDERSTANDING HOW MY INFORMATION WAS STOLEN HAD TO BE A DATA BREACH CAUSE I HAVE NEVER SEEN OR OPEN THESE ACCOUNTS

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 2020-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and my personal data has been exposed in an XXXX  data breach. I am attaching documents to support my claim.

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 2015-05-06
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a refinance on my home on XXXX XXXX. I was provided a pre-approval, and proceeded to provide close to XXXX documents to underwrite the loan. I provided all docs, and then was conditionally approved in underwriting requiring me to provide XXXX more docs. 

This was close to 2 months ago. These documents were provided, and then Amerisave came back XXXX additional times requesting new documents ( each supposedly going through underwriting and each taking days ). I have now uploaded over XXXX documents ( and many of them were repeat requests ). 

It is now XXXX and my loan has still not closed. Now, I was contacted this AM telling me that my application numbers were not correct ( for a rental property that I own ), but these were numbers that I NEVER provided on my application. They actually created the document, and when I raised they were incorrect on XXXX XXXX, I was told that they would be rectified through the documentation process. All docs ( taxes, insurance, mortgage ) have been provided, yet they are still " miscalculating '' the numbers ( not in my favor ). 
I have never experienced such poor service with any business, and I am stuck using them since they already pulled my credit ( which would count against me now elsewhere ), and I paid for a completed appraisal - which came in fine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: MS
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:
INFORMATION WAS STOLEN IN A DATA BREACH I HAVE NEVER LIVED IN XXXX, TN I LIVE IN XXXX, MS THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVED 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 2020-08-12
Company: CAINE & WEINER COMPANY, 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:
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ),  XXXX XXXX ( Original Creditor : XXXX  XXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ), and CAINE WEINER ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/2015, I filed a complaint with the CFPB regarding the following re-submission ( please see copy of cfpb complaint ). 
XXXX card member services was attempting to collect a credit card debt from me for the XXXX XXXX XXXX, XXXX credit card that also had my name, XXXX XXXX listed on it. I attempted to resolve this with XXXX XX/XX/2015 to no avail, by the following methods : 1 ) Telephone requests to provide proof that I, XXXX XXXX, was personally liable for this XXXX account. 
2 ) Written request for copy of personal liability for business account-by certified letter dated XX/XX/2015 ( see copy being mailed ). 
XXXX responded with a letter dated, XX/XX/2015 claiming that I was the responsible party for the account according " to their records '' ( see copy being mailed ). 
.On XX/XX/2015 XXXX sent me a letter stating : " Action Needed : Make a payment right away to prevent your account from charge off '' ( see copy being mailed ). 
I filed an online complaint with the cfpb regarding XXXX on XX/XX/2015 ( see copy being mailed ). 
On or about XX/XX/2015, a collection company called me personally about collecting the XXXX XXXX XXXX XXXX XXXX credit card debt, at which time I told then that I had just filed a dispute with the XXXX Consumer Financial Protection Bureau. The collection agent said that they would then send this back to XXXX. 
XXXX then discharged the debt, and sent me a XXXX in the amount of {$8400.00} on XX/XX/2015. 
While the above information was being sought by me, and before the demand letter from XXXX was issued to me on XX/XX/2015, ( see enclosed ) XXXX must have issued derogatory information regarding me personally to the credit bureaus because on XX/XX/2015, XXXX reduced my credit line on my actual personal credit card account, which negatively impacted my FICO score. 
My personal XXXX credit card issuer then followed suit and reduced my credit line impacting my FICO score even further. 
This discharge of the debt has caused my personal FICO score to drop even further and it is my belief that it has caused me to be denied for auto loans, and for an SBA loan for Disaster Relief due to Hurricane XXXX. 
I would like the following relief : 1 ) Remove the charge off from my credit report. 
2 ) Compensate me for the {$8400.00} that was issued on the XXXX XXXX ) Raise my credit limit on my personal XXXX card to it 's former status. 
4 ) Provide me with a loan in the amount and interest rate ( 1.9 % ) that the SBA denied me, due to XXXX 's wanton and malicious maligning of my credit

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