BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
THIS ACCOUNT IS SHOWING A INCORRECT DATE OF LAST PAYMENT AND A INCORRECT BALANCED OWED. 

XXXX XXXXXXXX

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 2022-04-02
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are some unauthorized inquiries that I don't recognized. I already disputed these inquiries to the 3 credit bureaus but the investigation did not fix the errors.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: IL
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 Experian and XXXX 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 ), they 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 and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citicards offered Balance transfer with zero interest until XX/XX/2023. However started to charge interest for every purchase you make with no regards to billing cycle and payments I make. For example if the card charged XXXX dollars XXXX XXXX  they will put 23 % for the amount on the date it was charged even when I am paying it off by the end of the month like I always paid this credit card. They claimed that in order for me to get back my end of month Grace period I have to pay the entire XXXX XXXX  back even when they took XXXX fees upfront for XXXX interest until 2023. 

No other credit charges interest for purchases which were paid within the billing cycle.

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 2019-01-04
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a Citibank checking and savings account with the agreement that I'd be given a {$400.00} bonus. Citibank 's requirements : " Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts.

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
Get {$400.00} deposited to your account! '' By XX/XX/XXXX, I met the requirement of depositing {$15000.00} in my checking account. 
I have kept the {$15000.00} in my checking account to this day of XX/XX/XXXX. My balance never dropped below {$15000.00}. After 60 days, I called Citi to check on the status of the bonus, and confirmed that I have met the requirements. The customer service rep said I'd have to wait 90 days from the day I met the requirements. After 90 days I called again to check the status, and was given another delay. They said they'd open an investigation. Their investigation determined : " Unfortunately, your account does not qualify for this promotion because the linked savings account closed. '' Well, Citibank closed my savings account without my consent! They closed it because it had a {$0.00} balance. It was closed after 90 days due to inactivity. I had already met the requirement of keeping a {$15000.00} balance between my checking and savings account for 60 days, so it's irrelevant that it was closed after 90 days. 

Furthermore, the document they sent me explaining why they denied the bonus was incorrect in saying I opened the accounts with the {$50000.00} balance requirements. I opened the accounts with the {$15000.00} requirements for the {$400.00} bonus. 

Citibank customer service phone number is impossible to connect to anyone who can help. One rep tried to transfer me to a " supervisor '' and I was placed on hold for more than an hour.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-06
Company: RentDebt Automated Collections, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I don't dispute this is my debt, the only thing I have a problem with is the companies keep changing the dates on my report every 3 months, so the debt appears new every time they report it. So, I never have a date for which this debt will be removed in the 7-year time frame allowed by law. But they continue to report the same debt over and over again. And I was informed it was being generated by a computer system. I spoke with all 3 credit bureaus, and they said they can not do anything. How can a collection agency just keep putting the same thing on your report? Do I have any recourse in this matter? Please let me know if you need more information. I have tried to resolve this issue with both companies, but they aren't trying to work with me. I have disputed the amounts for one company and the other debt I have tried to get dismissed because my lease was up when I moved. The management and I agreed to my moving out but still charged extra charges, saying I didn't give proper notice, which isn't true. 

The two companies I am referring to are the following : XXXX XXXX XXXX and RENTDEBT AUTOMATED COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Billed service date : XX/XX/2023 Paid off date : XX/XX/2023 directly to XXXX XXXX before being sent to USCB America XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In late XX/XX/XXXX, I mailed a dispute with FTC documentation to TransUnion disputing the inquiries below as unauthorized. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX TransUnion regarding the above unauthorized inquires on my credit file to no avail. There was sadly a language barrier issue involving the representatives that I spoke with at TransUnion, and they did not resolve any of the issues on my credit report listed above resulting in me filing a complaint with the FTC regarding this matter. These inquiries have negatively impacted my credit, and adversely impacted my ability to obtain new 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 2018-08-29
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have received several phone calls about a debt from XXXX XXXX. I am aware of the debt and working to resolve the issue however I am now unemployed due to me being XXXX XXXX for several months and my daughter was also injured in an XXXX   and has been in and out of the hospital repeatedly with XXXX. I currently have no income at all and and am not receiving any type of government assistance. I am expecting to return to work in the Fall. On XX/XX/2018 at XXXX I received a threatening phone call from XXXX XXXX from someone name Specialist XXXX from the number XXXX ext XXXX. He has left several rude messages howeve this one today he was rude, threatening to take action, using inappropriate language and yelling into the phone screaming saying I better return the call. I returned the call and ask him for his name after giving him mine. He refused and said give me your address. I said Im not providing anything until you tell me who you are and what debt youre calling about. He starts screaming saying, you called here and you need to provide me with what I asked for. I said you called me and Im returning the call to try and settle this. He started yelling and saying I already know how Im going to rule on this so it doesnt even matter. I said do what you have to do, because if I was trying to corporate I wouldnt have called, so he starts again and threatening me. I hung up on him and called back to speak with a supervisor. This person didnt provide her name and claimed to be a supervisor and said she would review the call and that behavior wasnt appropriate. I said I will be filing several complaints and forwarding that message to the authorities and other platforms to file a complaint. I will handle the debt as soon as possible, however Specialist XXXX is not to contact me ever again on this matter. I have 15 years of XXXX XXXX experience and that message he left on my voicemail and his calls are threatening and harassment and I feel threatened at this point by this company and representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Global Credit & Collection Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is trying to get payment for things that were discharged By XXXX XXXX almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today XX/XX/2023 I attempted checking my savings account through online banking and needed to be authenticated. I just recently opened the account on XX/XX/2023 by online in which I was referred to open by a bank representative telling me that it would be a faster process. So I went according to her advice and opened an account which allowed me open a savings account automatically. I then on the same day deposited {$8400.00} to the bank Teller at the bank branch XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX. I was told that my account was accessible and that I would have to wait 7-10 business days to get my card. Unfortunately today XX/XX/2023 as I attempted to find out how to access my online bank account I was referred to the fraud department. The fraud department informed me that my account will be closing and that I have to wait 30-60 days to recover my money. I went to the branch and I spoke to a manager. The manager inform me that when speaking to the fraud department there is nothing they can do on their end to expedite me receiving my funds and that the fraud department is the only ones authorized to release my funds. Today as a consumer I was neglected by Citi Bank not giving me proper protocol and information concerning why they closed my account, also if whether I will be able to properly retrieve all exact funds back. I am writing this report to bring a paper trail of this attempt to retrieve my funds.

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 2018-08-29
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent a certified letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has made several calls to collect a debt - I have asked multiple times to send back up for this debt. They stated on phone we don't have that but I will send you a demand letter and you can pay from that. NO - I want the actual back up that makes up {$2000.00}. Told me to put in writing so I sent a letter ( with the account number they gave me. ) Letter is attached I rec 'd a letter back from them they could not verify the debt. ( attached ) which is asking again for account number/social/copy of credit line ( ATTACHED ) this is a big run around, asked not to call me and remove from report if they can not produce back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Motolease, LLC
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 am in possession of the documents submitted by Motolease as proof that I obtained a lease from them. They did not provide anything with my signature, nothing showing they verified my identity other than a drivers license which is not proof that I am the lessor. The email does not match my name and they did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide documentation of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: FL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account has been frozen and I disbanned as a capital one client. I accepted a {$400.00} XXXX  transfer for the extra XXXX XXXX ticket I had. I transferred the ticket via " XXXX digital transfer '' ( see attached ). This person, XXXX XXXX, is trying to defraud her financial institution by claiming something was wrong with her ticket! As XXXX guarantees, 100 %, that the digital ticketing, the very method I used to send her the ticket, is legit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
I ordered a copy of my report in IdentityIQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX  XXXX Balance : {$230.00} I believe it was reported in error.

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