BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an XXXX XXXX account through XXXX earlier this year ( 2018 ). I used the card and my online account says, Youve spent {$1200.00} at XXXX on your XXXX Crefit Card this year, so I should have been upgraded to platinum ( one you reach {$1200.00} ). This comes with additional benefits. I have not been. I spent 25 minutes on the phone with customer service XX/XX/XXXX and 30 minutes on the online chat with customer service on XX/XX/XXXX and spoke with at least 5 different representatives, and they tried to say I had not spent that much at XXXX, even though my account says I have.

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 2023-08-03
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-05-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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:
XXXX XXXX XXXX reported to chexsystems for a bounced check. I paid this amount and this is still showing up on chexsystems. This is giving me a hard time to open up any bank accounts which is messing up my life. 

XXXX XXXX XXXX has been bo help. I filed a dispute as well with chexsystems.

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 2023-07-13
Company: EQUIFAX, INC.
State: GA
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 confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ( debt buyer ) Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: IN
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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
As a federally protected consumer. 
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? 



The companies im talking about are : XXXX XXXXLVNV Amount : XXXX Date : XXXX XXXX XXXX amount : XXXX Date XXXX XXXX XXXX XXXX amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-04-12
Company: WELLS FARGO & COMPANY
State: CA
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 received a letter from Wells Fargo indicating that they have a promotion available for me if I open a new business account and fund it with {$25000.00}. I went to the branch & the business account specialist told me I would recieve BONUS of {$1000.00} after opening a new account & maintain balance of {$25000.00} for 6 months. I did exactly what the specialist told me. In fact, I kept over {$140000.00} in the account. After 7 months, I realized i never received the promotion and contacted the same specialist. After looking into it, he notified me that Wells Fargo cant honor the contract because I never used my ATM card. I explained to him that I never received my ATM card. Wellsfargo has used a loophole in their system to deny me my {$1000.00} BONUS despite the fact that I maintained over {$100000.00} in the bank account for the term of the bonus promotion. I am requesting that Wells Fargo honor their promotion & deposit the {$1000.00} BONUS as I have honored my portion of the agreement. 

Business Name : XXXX XXXX XXXX. 
Business Checking Account # : XXXX My customer relationship with Wells Fargo dates back to XX/XX/XXXX. It is disheartening to know that they will breach the contract for a simple {$1000.00} bonus despite the fact that I have deposited millions of dollars over the the years I am prepared to take legal action against Wellsfargo for breach of contract if my {$1000.00} BONUS is not applied.

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 2020-03-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please remove these accounts that aren't mine.

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 2022-04-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
2mos ago navy federal gave me a 30day late which was there fault and they admitted it was there mistake, they told me I had to fix there mistake on my own so when I contacted you about the 30 day late they did correct it and because I contacted your agency they closed my account and have ruined my credit in the process. I have never been late with them the 4yrs I have had this account. This is a grave injustice to myself and I feel I have been XXXX XXXX because of this. I could see my account being closed if I was constantly late. That has never been the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Please correct or delete the following : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX. I was sleeping. Suddenly received 2 emails. The first email was that my XXXX account of Bank of America was transferred {$1000.00}. The second email was that my XXXX  account of Bank of America was transferred to {$900.00}. I felt insecure at the time. I never knew the recipient. No bank information was leaked. I had no idea. Why was my money stolen? Then I immediately went to Bank of America to report. Because it was still pending at the time, I asked the bank to terminate the transaction. But the staff of Bank of America only gave me a phone number to contact. Then I also went to the police station and reported to the police on the same day 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 2021-05-24
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021I used PayPal to make two purchases from what looked to be wayfair. The purchases totaled {$98.00} and {$97.00}. I utilized PayPal to make the purchase. After 3 days I reached out to the company about my order and to get a tracking number but did not get a response. On XX/XX/2021 I went back on to the website but when I went on it, it showed a warning that the site was a phishing scam site. So I filed a dispute with PayPal so that my money would be refunded. I included pictures of what the site is now saying when I go onto it. PayPal emailed that they would get back with a response. XX/XX/2021 PayPal emailed me that the seller provided a tracking number and now I have to contact them. I got back to the sellers website and it no longer exists. Also the tracking numbers given both show that they had been delivered XX/XX/2021. It doesnt show that they were delivered to my specific address, just shows it was delivered to a city and zip code and in or near the mailbox. Nothing from this company was delivered to me and if it had been, there would have been several boxes as I ordered an 8 piece patio furniture set and a gazebo. PayPal now wants me to contact a seller that doesnt exist and will not refund my money because the seller provided a false tracking number. Also should note that I have a video of the mail collected on the presumed date of delivery and also have alerts directly from USPS showing exactly what is coming to the mail and how many pieces are in the delivery for XX/XX/2021. Also the tracking numbers both have separate places of origin as well as 2 different sellers but were ordered from the same place. I will be providing these as evidence to support my claim as well as providing a copy of my identification to show that my address is accurate as well as my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Our company sought to obtain a loan in the amount of {$250000.00} from XXXX XXXX, XXXX XXXX. We were required to submit a 1 % retainer for the loan, which would then finalize the requirements. Unfortunately, the firm located in XXXX, was conducting fraudulence and walked away with our money. XXXX XXXX evaded all contact with our company and never fulfilled the contract we had. 

*Enclosed you will find all supporting correspondence and receipts*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, Thank you for taking this complaint. 

I opened an account with Citi, using their online system, to earn a {$400.00} Bonus for my new {$15000.00} funded Checking / Saving Account after 90 days. After opening and depositing my {$15000.00} new money, I had to call to obtain access to my account online. During this and a second call with them, I confirmed eligibility. After waiting 3 months, I contacted about the bonus, they said I need to wait up to 3 months for the bonus to appear in my account. After waiting further, they say my account is not eligible because I have a priority account, which requires {$50000.00} in savings. Apparently, they opened the wrong account for me initially and will not fulfill the terms I agreed to. Their mistake has cost me months without access to my {$15000.00} and several hours on the phone disputing the issue. Their website could have a simple bug which should lead to a simple apology and correction, but now feels like it's a bait and switch mechanism to fraud people. I just finished a call with the sales department, they said nothing can be done now that the terms have ended, I disagreed and asked for a supervisor, he reluctantly sent me on hold to the supervisor, but like I've had several times, the call went blank and disconnected. Many calls with the company are left to wait and disconnect, very frustrating.

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 2022-05-23
Company: Paramount GR Holdings, 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:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for and purpose. 

late payment was for XXXX 2021, according to company. There is a 4-month grace period for no late payments

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 2023-10-09
Company: Experian Information Solutions 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
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:
XXXX is reporting inaccurate personal information names, addresses etc.

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