BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: CITIBANK, N.A.
State: MN
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 was approved for a Citibank account. This date is shown in the official correspondence I received from Citi. When I contacted Citi about my promotional offer of {$300.00} they denied that I was eligible for the bonus. They stated that it was past 30 days to make the initial deposit. Since my account was opened on XX/XX/XXXX that means I have until XX/XX/XXXX to make my initial deposit for the bonus requirement. 

Here are the terms so there is no confusion : Receive a sign up bonus of {$300.00} when you complete the following requirements : Open a new eligible consumer checking account in The Citibank Account Package Within thirty days, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or new or existing Citi Savings Account or existing Citibank Savings Plus Account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date when you made the qualifying deposit. 
Within thirty days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 
The Fine Print For the Citi Priority Cash bonus offer, Eligible Customers are New-to-Citibank customers who ( 1 ) enroll in the Priority Checking Offer, ( 2 ) open an Eligible Checking Account as first signer and are also ( 3 ) at least eighteen ( 18 ) years of age, and ( 4 ) have a valid XXXX or XXXX XXXX on file with Citibank. ( 5 ) have not been a signer or owner of a Citibank checking account within the last 180 calendar days. 
Eligible Checking Account means a new checking account in The Citi Priority Account Package. Fiduciary, estate, business, and trust accounts that are not Living Trusts, are not eligible for this cash bonus Checking Offer, even if the account otherwise meets the definition of Eligible Checking Account. All accounts subject to approval. The Eligible Checking Account and, if applicable, Eligible Savings Account, must be in good standing for the Eligible Customer to receive this cash bonus offer All bank account bonuses are treated as income/interest and as such you have to pay taxes on 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 2021-05-04
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Merchant credit guide on XX/XX/XXXX about a Medical procedure that was supposed done on XX/XX/XXXX. I wrote a validation letter to ask what procedure was done and the statute of limitations on this Alleged debt by Certified mail and I received another letter today asking for payment with no Validation. Im aware of my rights and HIPAA laws as well. I want Merchants credit guide to cease and desist all collections on this debt unless they provide what I asked for by legal right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I made numerous attempts to dispute fraudulent accounts on my TransUnion credit report. I do not understand why there wasnt any progress, because other bureaus ( XXXX and XXXX ) already have removed the fraudulent accounts. Only TransUnion still reporting all the fraudulent items. I request the following accounts to be removed as soon as possible : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Open Date : XX/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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2021-12-17
Company: NAVY FEDERAL CREDIT UNION
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:
Account opened when I was XXXX in my name then closed then opened a few months later when I was XXXX I didn't want an account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I obtained card XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX numerous fraudulent purchases were made totallng $ 13,000+. I disputed with bank numerous times and they refused to honor their advertised fraud protection. During that same period my XXXX and XXXX cards were compromised as well, totaling {$16000.00} in fraud. Both banks honored their fraud polices and credited my accounts and sent me new cards. 
I filed a fraud complaint with FBI at the time, had chat session copies with BOA representatives that I provided. No resolution.

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 2022-11-25
Company: BARCLAYS BANK DELAWARE
State: LA
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: Problem with personal statement of dispute

Complaint:
I've been an XXXX XXXX Barclays credit member for over four years. I've never been late on payments and have paid down balances in excess of {$8.00} dollars. My account has been reported 30 days overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XXXX 2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but Barclays informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all three agencies ).

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 2021-12-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CLAIM ID : XXXX I have been charged for two items under this claim that one was sent in error and returned the other was an XXXX and returned. This can all be proved and I have forwarded proof to chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am in need of help because I am being harassed by a debt collector who repeatedly is calling me after I told them that it was inconvenient time to call me, but they didnt stop there. I have a recording of them telling me that I was a bad time to call and I also have screenshots of them calling at the same time making me feel uncomfortable then they called my job and my employer and that was the last straw. I looked up this law 15 USC 1692, which is in the FDCPA and section 69 to see a one. It says any unusual time or place known What should be known to be a convenient to the consumer is the absence of knowledge circumstances on the contrary, a debt collector, so assume that a convenient time for communicating with the consumer is after XXXX XXXX, and before XXXX XXXX post to XXXX local time at the consumers location which means that if I told him its not a good time they should not call me back those are convenient. Plus they shouldnt call my employer, which also violated under FDCPA. 
I am writing to express my deep concern and dissatisfaction regarding the conduct of a collection agency that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and has negatively impacted my credit history. 
15 U.S. Code 1692c - Communication in connection with debt collection I dispute the illegal actions taken by LVNV FUNDING and the inaccuracies they have reported on my credit report. The specific concerns I have are as follows : Violation of FDCPA : LVNV FUNDING has engaged in actions that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692c ( a ) ( 1 ). They have contacted my employer regarding my debt without my consent, a direct violation of this federal law. This violation is supported by relevant case law. For instance, the case of XXXX XXXX XXXX, XXXX, Defendant.

Case No. : XXXX ] highlighted the importance of adhering to the FDCPA and respecting consumer rights. In this case, it was ruled that debt collectors must not contact a consumer 's employer without consent. This serves as an example of the legal precedence set in cases where credit reporting inaccuracies led to negative consequences for the consumer. This case reinforces the importance of accurate reporting by debt collectors and credit bureaus. 
I have taken appropriate steps by disputing this with the collection agency directly. 
However, I am writing to you, as a credit reporting agency, to request your assistance in investigating this matter and ensuring the accuracy and fairness of my credit report. 
I kindly request that you : Conduct an independent investigation into the accuracy of the information provided by XXXX XXXX I demand the following accounts be verified or removed immediately. 

XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX in connection with debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TrueAccord Corp.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I sent a certified letter to True Accord for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Aunt passed away  XX/XX/XXXX  . I  am co-heir to her estate. She had a reverse Mortgage on her home with Champion Mortgage.   I sent them a letter of intent that I wanted to keep the home in the family. They approved the request. But they gave me 2 deadlines :    XX/XX/XXXX    and    XX/XX/XXXX   . By    XX/XX/XXXX    the wanted a listing agreement or a mortgage approval letter from me. I sent them the appraisal and a letter explaining that the co-heir and I lived    XXXX    miles apart. We had just gotten this appraisal done as the appraisal company had a 30 day backlog. They denied the   XX/XX/XXXX   correspondence approval and said they were going to start foreclosure very soon. We have 6 months by Federal law to get to this point. It has been less than 3 months. The co-heir wants to quickly sell the place because she is afraid they will foreclose. I need the full 6 month time to gather my assets to provide the approval letter to buy the place. I need help with Champion Mortgage  Company  to give us the time allowed by law in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MA
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:
Under 15 U.S.C 1681b - permissible purposes of consumer reports ( a ) IN GENERAL - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instruction of the consumer to whom it relates. 

I never gave EXPERIAN any written consent to report anything on my credit report. NO CONSENT IS IDENTITY THEFT. 

On the date of XX/XX/2022 I sent EXPERIAN a Affidavit because I discovered multiple errors and incongruencies after review of the consumer credit report. I required that they supply me with sufficient information validating and verifying all accounts on the credit report otherwise they are required to delete all accounts on the credit report. They have never supply me with sufficient information and they continued to report negative and defaming information. I do not agree with their actions. They were given 30 days and after no response I sent an Opportunity to Cure on XX/XX/2022. In which they were given another 10 where I required they delete all accounts on the credit report and a XXXX score reflecting my open credit. I did not receive a response after and the Notice of default went out on XX/XX/2022 in which they were given another 10 days. EXPERIAN is in complete violation to the Fair Credit Reporting Acts and it is causing me great stress because due to COVID-19 it has been hard on my family and me with getting denied credit due to the incongruencies on the report. 

Their non-response means they do not have anything on file to validate and verify the any and all of the accounts on the credit report and they can not provide a certificate of financial statement signed under penalty of perjury from any alleged creditor that there is a debt.

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 2017-05-23
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage got transferred to Nationstar Mortgage in XXXX 2015. This company is now accusing me of non-payment and arrears and have reported to the CRAs 15 times for none or late payments. My bank and I have proof of payments on my bank statements. No payments have ever been missed. This company has totally messed up my credit and caused me two years of stress and heartache. I  automatically pay my bills every two weeks without fail. In addition I have contacted the company many times without fail and most of the people are rude and tell me Just pay it! If you get someone who tries to help you, you end up getting another letter threatening to take your home. I cant believe them anymore because they have lied so many times I thing they are scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: CCS Financial Services, Inc.
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:
Per FDCPA Section 809b a collection agency must validate a debt they claim I owe in which they have not. When I first swnt my complaint the company removed it the same day and lied in their response saying they don't know od anything and the next day they added the item back to my credit reports! I havw proof of where they remived the items just to lie in their response and now Im getting new alerts where they have added back the item to the reports. They again are violating my consumer rights and causing harm to my credit score by doing this. These people are breaking the law and they know they are. They should be fined to the highest extent!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both XXXX and transunion that they closed the account and dropped my credit score by XXXX points in both cases, transunion XX/XX/XXXX and XXXX XX/XX/XXXX. i called XXXX they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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