BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-29
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank gold checking promotion ( i received the offer from Citi Bank by e-mail, which I can provide ) that offered XXXX XXXX AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XXXX/XXXX/2016 to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for {$1000.00} spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account within 90 days from the date of completing the program 's requirements. I called to confirm one more time in XXXX, and I was told to wait till XXXX for miles to post. More than 90 days ( over 100 to be exact ) past without having the promotional miles deposited into my account. I called and sent another secure message to Citibank witch did not result in positive outcome. In addition to being denied the XXXX points, I was required to pay account fees to keep the account open until the points had posted.

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 2022-11-16
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Unaware of this collection. Please verify this debt is mine, if not please remove and delete.

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 2022-11-16
Company: Synovus Bank
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've filed a dispute with First Digtial/Synovus credit card company. where I have been XXXX in the XXXX XXXX XXXX XXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX  XXXX XXXX. Where I am XXXX  at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX XXXX is XXXX. I looked on my credit report, I seen a account from first digital/Synovus that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX XXXX with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where I sent them a letter in XX/XX/XXXX where they failed to respond back. First of all for these reasons if I have been XXXX  for the past XXXX  years in the XXXX XXXX  XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this XXXX  would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made mention that i have never owned a XXXX  XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX  XXXX, XXXX and also to Midland credit management with no luck. I have no idea who could have done this under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I was charged an additional {$8800.00} of capitalized interest onto the top of my loan. I was encouraged for YEARS to continue to forbear/defer my loan as I was in a severe financial hardship, going through XXXX Bankruptcies, having a sick mother, trying to secure a job, and essentially being kicked out of the home where I was living. Because of this, I reached out to my loan provider who was XXXX at the time. A forbearance and/or loan deferral were my options. After deferring for X amount of time, I would receive emails basically encouraging me to continue to defer my loan. Being young and already in such bad predicaments, I of course deferred. Today, almost 10 years after receiving my initial loan disbursement of {$10000.00} to pay for my schooling at the time, I now owe {$18000.00}. At an 8.5 % interest rate and for someone who barely clears {$XXXX} a month, my payments are so high. But that is not my biggest concern. My biggest concern is that part of my monthly payments are paying over {$8000.00} for a forbearance and a deferral that I was almost encouraged to get. Someone please help me. I feel like I will be upside down and paying for these encouraged deferrals for the rest of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: CITIBANK, N.A.
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX ThankYou Points bonus after making qualifying bill pays with the account. I have a screenshot of when I opened the account, showing that I have entered the promo code and the terms and conditions. I made the qualifying bill pays in XXXX. Now, I have contacted Citi to see when I 'll be receiving the promotion, and their services department tells me I was never targeted for this promotion and I wo n't be given the promotion. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. I have attached a screen shot from when I opened the account, with the promo code and rules. How can they take away the promotion after I 've met the qualifications? If I was never targeted for this promotions, why did they let me open the account, give me a promotion disclosure with the rules, meet the rules and wait all this time before finally telling me, after I had to contact them, that they are n't giving it out?

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-11-16
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : last claim XXXX. 
BSI claims they credited my account for the late fees and late payment fee but they only credited the late fees. Their letter in response to this claim included information about my account but no solution. They have not credited the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened my account on XX/XX/2016 and funded the account on XX/XX/2016. I opened it with Promo Code - XXXX ( XXXX ) and that promotion stated. " There will be a bonus of {$400.00}. To get the bonus you must either open the Citibank account package and the Citigold account package and deposit {$15000.00} of new to Citi funds within 30 days and keep it there for 30 days. The bonus will be deposited within 90 days from the date that you meet the requirements. '' It is well past the 90 days and I still do n't have the {$400.00} bonus. I have contacted Citibank several times and I continuously get the runaround on the bonus. I was told I did n't have a XXXX but I have sent that XXXX FIVE ( 5 ) times to them at - CITIGROUP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX which is the address Citibank provided to me. They show that it was received but keep claiming that the SSN does not match my bank account name which is a LIE. I then send it a 6th and 7th time of the XXXX WITH a copy of my driver 's license, a copy of my SSN, and a copy of my tax return. All items match with my SSN on the XXXX form. I feel that Citibank is doing EVERYTHING POSSIBLE in order to avoid giving me the {$400.00} bonus EVEN though I have met every single condition of bonus offer. It is now XXXX and it has been over six ( 6 ) months since I have opened the account and left the {$15000.00} in the account without a penny of interest or the bonus. Can you please investigate this matter? I have XXXX this online and Citibank is KNOWN for pulling these illegal shananigans in order to keep from paying the bonus they promise to their customers to get them to place money into their bank.

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 2016-09-07
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Other fee

Complaint:
Even with a XXXX balance, Macy 's Credit ( CitiGroup ) charges a {$2.00} interest free each month. They also participate in a Residual Interest scheme, so even if you pay off your balance by your due date, they will charge interest on that balance. This is not explained or adequately disclosed.

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 2022-11-16
Company: OneMain Finance Corporation
State: NY
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN POSTED ON XX/XX/XXXX, XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, there was a wire transfer of {$99000.00} wired out of my account through a walk-in service request in New York XXXX On XX/XX/XXXX, another wire transfer of {$60000.00} was done in the same fashion. Shortly after the {$60000.00} transaction, another attempt wire transfer request of {$62000.00} was made and at which point, I received a text message alert seeking to verify the transaction. I denied it right away. Alarmed with the situation, I logged on to my bank account and was required to change my password. Once I reset my password, I noticed that {$60000.00} and {$99000.00} wire transfers were made without my knowledge. I then called Chase 's fraud department and reported the incident. They said that they will send me documents to sign to complete the complaint. I then contacted my local banker. Through further investigation and inquiry, I became aware that similar cases have occurred at Chase branch offices. I was advised to contact the Department of Public Safety to see if there is any request for my Driver 's License made. I went to XXXX on XX/XX/XXXX and only there I was advised to report the incident to the local police. The trooper informed me that this happened to Chase Bank and that the Bank is responsible for the case as they didn't verify my ID properly. I went to XXXX XXXX police station on XX/XX/XXXX and the incident was recorded with pending detective investigation. The Chase Bank local banker filed a complaint on my behalf within the Chase system. Afterward, I received a call on XX/XX/XXXX acknowledging my claim. A follow-up call later in the week was made by the same department/person requesting a police report. The report became available on XXXX XXXX and I sent it to the bank immediately after receiving a copy. On XXXX XXXX, the Chase agent called me and informed me that the {$99000.00} claim is denied. The reason for the denial is that they only give the client 30 plus 5 days to file a claim. This is the first time I heard this. There is no document disclosed to me stating this limitation. The detective, the police officers, and the trooper that I spoke to on the case all stated that this happened before to others and the bank is liable to refund the stolen money under their governance. I also searched the internet for similar cases and got the same conclusion. As multiple incidents happened with Chase bank New York Branches, there is a clear mistake on Chase 's side. Their verification process is flawed and allows fraud to occur. They have allowed criminals to wire transfer large amount of money without further verification using either fake ID or ID obtained via illegal method from local branches in New York while the ID shows Texas address A bank 's clientele should not be responsible for damages caused by the Bank 's inadequate security and failure to communicate, regardless of the timing of the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a letter in the mail from Sears Credit Services congratulating me on being approved for an upgrade to the Sears Mastercard. It indicated that I will automatically be upgraded to the mastercard unless I decline by calling XXXX or visiting card offer.searscard.com by XX/XX/2016. I phoned the number and learned that my account was a closed account, which I knew and wanted to keep it that way. When I was transferred to a customer service representative who could help I was put on hold and then hung up on. I do n't want any additional credit and I do n't feel Sears or XXXX should be able to " open '' an account automatically unless I decline their offer, especially on an account that is already in a closed status.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: IL
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:
n 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. 

1. XXXX XXXX  account XXXX balance {$1400.00} 2. XXXX XXXX XXXX account XXXX balance {$16000.00} 3. XXXX, XXXX account XXXX balance {$460.00} 4. XXXX XXXX account XXXX balance {$480.00} 5. XXXX XXXX account XXXX balance {$1300.00} 6. XXXX XXXX account XXXX balance {$17000.00} 7. XXXX XXXX XXXX XXXX XXXX, IL XXXX 8. XXXX XXXX XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, IL XXXX 10. XXXX 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 non-monetary relief
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation