BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Based on a promotional offer 'Citi-flex-plan XXXX, I set up a low-interest payment plan on a charge I made on my credit card. I have made those payments on time monthly and understand that if I pay off this balance earlier I will still be responsible for the 6.99 % interest charge for the entire period even though the balance is XXXX. 

A few months later, I received a 0 % offer from Citibank for 4 months. I decided to take advantage of this as well. However, now the balance is due on XX/XX/21 to avoid retroactive interest. I knew this was the due date when I took the offer but also intended to pay it off in full to avoid the interest. 

So on XXXX, after I satisfied my Citi-Flex-Plan payment, I made an extra payment of {$5300.00} only to discover that Citibank has posted it against the flex plan first and not against the balance of XXXX due on XX/XX/21. When I called them to ask them about this, they said that the payment went towards my Citi-Flex-Plan despite my not wanting it to. When I asked why they said because it has a higher interest rate. But that does not make sense because if I pay it off earlier or not I still pay 100 % of the interest. 

I asked them to reapply it to the other balance and they refused and told me I had to pay off my balance in full to avoid paying interest on the XXXX due on XXXX. This is totally wrong and designed to ensure I pay interest on the entire balance of XXXX. I can't avoid interest on the Citi-Flex plan regardless of if it's paid off early or not and they are now requiring payment in full ALL AT ONCE to not incur interest on the interest-free portion. 

This was never disclosed to me at the time I took the loan and feels like its a trick or evasive tactic to ensure they get more interest from an offer they made that was interest-free if paid by XX/XX/21. 

Furthermore, my bill isn't due until the XXXX of the month but I now must pay off my entire balance of XXXX in full- which includes the Citi-Flex-Plan to not incur interest on the XXXX. 

I am so tired of these large credit card companies playing tricks like this. I should be able to make additional payments and have it post where I want as long as I am current. Now I have to pay them even more to avoid interest which was never disclosed to me. SO WRONG. Shame on you Citibank.

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 2020-08-03
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In the process of refinancing a home mortgage. Closing is being held up because Wells Fargo has been stalling in closing a home equity line of credit that has a XXXX balance. This line of credit has NEVER had a balance because it has never been used. I have written and spoke to their bank reps everyday for the last 2 weeks. They keep saying it's being expedited and the process takes 1-3 days... then someone else says 3-5 days ... Their inconsistency and incompetency is costing me time and money.

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 2022-06-20
Company: CITIBANK, N.A.
State: NY
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 have a dispute opened and " resolved '' with Citibank over a Wayfair purchase. The dispute number is -- -- -- -- --. I have sent several emails to their billing disputes department after they " resolved '' the dispute, because they said if I wish to pursue it further and have more documents, I can send them an email with the updated documents. I have sent several emails and they are claiming not to have received any of my further documents. I still have this charge on my credit card currently. 

I bought three bedding items from Wayfair. The items arrived with some stains all over the items and packaging. I reached out to Wayfair 's customer service with photos and they approved all three items for a return ( as attached ) by XX/XX/XXXX. 

I was instructed to leave the box with all three items outside my apartment on Friday, XX/XX/XXXX. Wayfair AND the email they sent me said I did not have to be home for pickup. I left the items in a box with the label whose tracking number was -- -- -- --. When I came home from work that day, the box was gone. After a few days, I checked the tracking and nothing appeared, so I reached out to the customer service. They responded that there was nothing they or I could do. Because the tracking information was not showing up, I would not be getting a refund. I no longer have the items and I'm now on the line for {$1300.00}.

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 monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-05-17
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2022-11-22
Company: EQUIFAX, INC.
State: OH
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:
The loan was taken over twice. They emptied an escrow account that should never have existed and refused to apply it to the balance of the loan. I made a re payment arrangement to pay additional money and it is now showing as a monthly payment. They REFUSE to do a forensic and give me the amount that I have paid over the course of the loan because they know it will implicate them. Im a XXXX who struggled to make sure XXXX XXXX had a home. Im a XXXX XXXX XXXX XXXX  and would like to be able to demonstrate to my students that we live in a country that gives you recourse if you have been wronged by a predatory lender. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: DISCOVER BANK
State: NV
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 had an unfortunate experience with Discover Card company. Despite filing a claim back in XXXX, it took until XXXX of XXXX for the claim to be processed. The fraudulent charges on my account are primarily digital, and there are also a few charges made at locations I have never visited or shopped at. 
Initially, Discover credited my account for these fraudulent charges. However, they later removed these credits, claiming that they had sent notifications to the cellphone that was stolen from me. As a result, Discover is now demanding payment for the same fraudulent charges that I had already paid while patiently awaiting the completion of the initial investigation. Furthermore, they have closed my account, which is adversely impacting my credit score. It's important to note that I have never missed any payments. 
At this point, I am in urgent need of assistance to recover the funds that were stolen from me and relieve the burden of being recharged for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: TX
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 have mailed multiple letters disputing accounts that should not be on my credit report and they are still there! incorrectly reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$85.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$35.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: CA
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 XXXX File Number # XXXX i had disputed is account with XXXX /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask XXXX politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was made aware of an account that was created fraudulently. I placed roughly XXXX calls to the credit issuer. I was transferred and bumped to a number of different departments all whom claimed they were unable to help me. I believe they are at minimum not proviuding adequate service and support to a consumer who is working to resolve a criminal issue and I believe they are in violation of my rights made clear by section 1026.6 in the CFPB guidelines.

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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Attempts to collect debt not owed ( debt was paid ) Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX XXXX XXXX XXXX XXXX, or at any Federal Reserve bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi XXXX Savings online account over 2 months ago in response to an ad that promised a {$100.00} bonus for maintaining a min. balance for 60 days. It's been over 60 days and I'm still waiting for the bonus to be paid

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 2022-06-20
Company: Experian Information Solutions 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:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' The data furnisher XXXX XXXX can not verify the bankruptcy either. So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
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 this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose

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 2023-08-10
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Deposit XXXX ( {$1700.00} ) Dispute filed XXXX ( {$650.00} ) Chime closed my account XXXX Dispute approved XXXX after account closure Closing Statement ( XXXX ) {$730.00} balance {$650.00} disputed approved Check received for XXXX ( XXXX ) Will not answer email, customer service is a joke. 

XXXX months later nothing but XXXX. 

Terms and agreement states 30 days after closures. Amount will be mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Hi there, First off, thank you for working hard to protect us, ordinary consumers from being bullied and manipulated by large banks and financial institutions. We truly appreciate all your work. 

I am filing a complaint against Barclay US bank going against their promises of their promotional ads of Barclay XXXX Card. I am a Barclay XXXX Credit Card holder for many years. My account is ending in XXXX. On XX/XX/2023, they emailed me a promotional email to earn 5X additional miles on all purchases through XX/XX/2023. I enrolled right away and spent over their required {$500.00} before the end of the promotion. I was expecting that they kept their promise of adding XXXX miles to my account 6-8 weeks after the end of the promotion, but until this day, they've never added anything. 

I reached out to them last week and they simply denied of such a promotion. They said they could not locate it. And when I sent their promotional email to them as the undeniable evidence, they said it was a systematic promotion. Isn't it a promotion a promotion by Barclay US, regardless of how it is generated or sent to the customers? They had baited the customers to use their cards to spend but then they simply ignored their promises to the customers. I am attaching their promotional email along with this message. 

Thanks so much in advance for your help. Your work is truly appreciated. 

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 2021-09-07
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have sent several dispute letters and Equifax always says they dont receive my documents causing a delay as I then have to send the documents again just to be provided with the same information. 

I sent a letter along with a document from the collection agency stating the account will be closed and removed from all credit agencies. Since I didnt see the updates were made, I sent the dispute directly ; however, the account has not been deleted. I spoke with an agent today, XX/XX/07 at XXXX CT who was rude and refused to provide his name and refused to get a manager on the phone. He placed the call on mute and ignored my requests as he did not respond. The call is currently active as I am completing this dispute going on 50 minutes while the agent still has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation