BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the new Citibank account on XXXX XXXX and deposited $ XXXX on XXXX XXXX. I confirmed with Citi customer service at-least twice that my account has met all eligibility requirements for {$500.00} bonus. See attached screenshot of my communication with CitiBank. Still even after passing the first 60 days and then 90 more days, I haven't received the {$500.00} bonus promised to me. In the last two weeks I called customer service twice and the agent  agreed that my account met all eligibility requirements i.e. the combined balance between my saving and checking is more than $ XXXX till date, and they will create a case for the back office to process this {$500.00} bonus. But within a few days after this discussion, I received the secure message that bonus can not be provided without explaining a specific reason. I am totally frustrated and feel like this is a scam by CitiBank. Everybody agrees on the phone that I should get a bonus but can not keep their promises. Citi customer service is worst, it takes first 40 minute to get to the agent and then they just transfer to others. Many times calls get disconnected in between and nobody calls back. With this kind of customer service, I am not sure how they should be allowed to run a financial institution. Please review this and help me in getting rightful, promised, {$500.00} bonus.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: SC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$73.00}

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 2023-03-24
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report, I saw a negativeaccountfrom Affrim INC, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from XXXX XXXX ( the company Affrimsaid they sold the debt to ) that is a violationof federal law.I can assumethat both Affrimand XXXX know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication. 
Becausenow Affrim and XXXX are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me. 

This is no way that a XXXX year old, disabled immigrant, all parties involved should be ashamed of themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent out a letter out XX/XX/2022 in XXXX to XXXX, XXXX, and Equifax. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense.

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the 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 reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/22 I called Westlake Financial and spoke with a representative about a recent Auto Loan inquiry from date of XX/XX/22. I am being discriminated against. Now I'm very aware that the credit score is a factor, but it isn't the determining factor as im being told it is. I'm basically being denied credit unless I'm willing to put up {$10000.00} cash first. I expressed to them that this car is for personal, family and household purposes and that it was a consumer credit transaction. To deny me credit based on not being able to put down {$10000.00} is unethical and unfair and it's against the law. Pursuant 15 usc 1662 no advertisement to aid, promote or assist directly or indirectly may state that a down payment is required in connection with any extension of consumer credit, unless they normally arrange payments in that amount. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 usc 1692 and is pursuant to civil liability under 15 usc1692k. Westlake is willfully and knowingly giving false and misleading information while also discriminating against me which is a direct violation of 15 usc 1611. According to 12 usc 1431 banks are in the business of borrowing money, issuing bonds and debentures as well as purchasing notes. Pursuant 12 usc 83 it says no national bank shall make ANY loan or discount on the security of the shares of its own capital stock, meaning they are not loaning the money for the vehicle. So, if the bank would be purchasing my wet signed contract from the dealer ( promissory note ) and borrowing it to fund the loan that would make me a creditor. Pursuant 15 usc 1605 credit is the right granted by a creditor. A creditor is referred to as a person who regularly extends, whether in connection with loans, sales of property, or services or otherwise consumer credit payable by agreement. Denying me my right granted as a creditor is a direct violation of the law. Furthermore, because my social security number ( Creditcard ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of WESTLAKE FINANCIAL. Value was given but value was not returned. I have proof of this unauthorized use of my credit card.

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 2022-12-01
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:
Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY XXXX  XXXX INQUIRY XXXX XXXX, XXXX I DO NOT RECOGNIZE THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consumer XXXX XXXX have tried to resolve this matter with Fair Collections and Out  and they have constantly violated my rights as a consumer according to 15 USC 1692 c ( 1 ). They are defaming my character and ruining my reputation. My rights are to be protected. This account needs to be removed from my credit profile. I have attached my license. I am due remedy based on this company violating my rights as a consumer. I have sent my invoice.

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 2022-03-08
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX company performed a XXXX XXXX XXXX service for us between XX/XX/XXXX in connection with a home and office move. They sent a single invoice via email on Sunday XX/XX/XXXX. Shortly after the service was performed we moved. XXXX  never sent another email, letter or other communication about the invoice or payment. The next communication we received was on approximately XX/XX/XXXX from A.R.M. Solutions, on behalf of XXXX a debt collection service saying that the bill was overdue and in collections. I immediately calledXX/XX/XXXXto advise them that I was not even aware that the invoice had not been paid as we never receive any followup communication. I paid the invoice immediately via credit card. XXXX responded via email with a confirmation that the payment had been made. They also indicated that A.R.M. Solutions would be notified. The next communication was on approximately XX/XX/XXXX from A.R.M. saying the invoice was outstanding. I notified A.R.M. that it had been paid and demanded an end to the unjustified collection attempts. I also notified XXXX  The next communication from A.R.M. was on approximately XX/XX/XXXX making the same false and damaging claim. I called both XXXX and A.R.M. again with the same demand to cease the unjustified collection attempts. With XXXX  I spoke to a billing supervisor who said she has emailed her counterpart at A.R.M. to advise the invoice had been paid and was going to be sent the confirmation letter issued back on XXXX, XXXX, XXXX. I received yet another letter from A.R.M. dated XX/XX/XXXX making the same false and damaging statement that the invoice was still outstanding. These communications are harassing, disturbing and damaging to my business and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers 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 2023-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$470.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX  XXXX {$640.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} 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 explanation
Consumer complaint received 2023-04-03
Company: OneMain Finance Corporation
State: NY
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:
one main has been paid and current and they refuse to update it as paid/current. Every 30 days im seeing that the account is not recording paid/current. This is a hinderance to my credit character and integrity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a XXXX balance late account from US BANK I never opened an account with them. XXXX XXXX says its a prepaid card. I need it removed from my credit. This account was never mine. I have disputed it with US BANK several times and they wont remove it.

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 2022-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The was XX/XX/XXXX the amount is was {$2600.00} the. I was XXXX XXXX XXXX. Every year since XXXX they have been taking my income taxes for years till this day. An then I found out the sold my personal information. I called the Educations department an when I spoke with a young lady she said, she don't have any information for me. An then some company called bout XXXX weeks later .but they were talking so fast till after the said who they were an what they have of mine they hung up on me an I tried so many times to call back the number out of service. They wanted me to put my mom in jail. Cause she signed this for me Department of Education said that to me An it saddened me for them to suggest that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I've had the Amex XXXX Card account for about XXXX years. 
I have my Social Security check direct deposit with Amex XXXXAmerican Express XXXX XXXX XXXX 
I am being charged XXXX  through an in-network ATM for an invalid PIN and or ATM Decline. 
I was not advised of such a penalty when establishing this account. 
I am requesting a {$36.00} refund. 
XXXX XXXX XXXX XXXX XXXX was used on these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2016 I had already disputed this company ( Phoenix Financial ) regarding the fact the debt wasnt mine. They had 30 days to show  proof and failed to do so resulting in this collection legally being removed. Here recently I got a credit report and Phoenix Financial ILLEGALLY reported this account AGAIN. This FALSE collection was already  deleted and I want them to abide by the law and disappear for good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXXXXXX XXXX  : # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 : 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 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 non-monetary relief
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, 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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Owed : {$6100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. Your inability to provide me with needed documents to prove your claims that the disputed items belong to me should have resulted in the deletion of the items in question. I demand you to comply with the Federal law and have the disputed items removed at all cost.

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 2019-07-03
Company: Allied Collection Services, Inc. (Nevada)
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed this dispute through XXXX XXXX. The XXXX  file number is XXXX. The amount was slightly reduced, but that is not good enough because I do not owe this debt at all. 

I closed an account with XXXX last year. Before doing so, I got very clear information from them what my options were in returning a leased phone to them. My new phone company would reward me more money for the used phone than XXXX would for the return. I once again confirmed the amount I needed to pay, and paid that amount. The next month they sent an additional bill claiming I owed more money for the phone. I would have returned the phone, however as stated above I sold it to my new phone provider. 

I paid the amount XXXX told me to pay, and closed the account. They are asking me to pay additional money that I should not owe. I am waiting to receive complete billing and payment history from XXXX. 

Furthermore, XXXX attempted once to collect the amount but I refused. After that I heard nothing about it at all. To date, the collection agency has not once called or written me, and all of my contact information has not changed.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: DC
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022

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