BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. My phone number XXXX. I am reaching out to you to complain about Citibank 's unethical business practice. 

I saw Citibank 's advertisement on their website regarding a welcome bonus if a prospective applicant opens a checking account and deposita certain amount of funds within 20 days of opening the account and maintains the balance for XXXX days. The amount of bonus varies depending on the amount of funds on the XXXX day of account opening. I have attached a pdf version of their website advertisement to this complaint for your reference. I wanted to deposit 50,000 USD and maintain that balance for XXXX days to collect a 700 USD welcome bonus. Accordingly, I signed up for a basic checking account online ( Application ID : XXXX ) on XX/XX/XXXX and provided supporting documentation as requested by Citibank that day. As per the offer requirement, I should have deposited the amount by XX/XX/XXXX which is today. I could not deposit the funds because Citibank did not provide me with an account number yet. However, I have been receiving emails from Citibank reminding me that I should deposit funds into the account. THose emails provide my account number but only the last XXXX digits. I reached out to their customer service XXXX times since I signed up to request them to provide me with a bank account however, they said that the documentation that I provided needs to be verified which takes XXXX business days and until then they can not provide me the bank account number. It has been XXXX days and they did not complete that verification and so they did not provide me with the bank account details. They did not contact me to update me on where the process is and if any additional/supporting documents are required to complete the verification. 
I called customer care to ask if they will extend the eligibility grace period as they did not provide me with the details to deposit the funds, they denied it and said that I lost my eligibility. When I requested to escalate the issue to a supervisor, the customer service representative put me on hold but later disconnected. I later did not receive any communication or call from the supervisor. This is unfair as they did not create an account in time and for their inefficiency, I am having to lose 700 USD. I explained to them that it is not my mistake and that they failed their responsibility but they disagreed. This is a classic example of " Bait and Switch ''

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 2023-05-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX- {$11000.00} ) and the other ( XXXX XXXX- {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have no received a response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it is plainly stated that a failure to investigate these items within 40 days gives a reason to immediately remove those items from my credit report. it has been over 40 days and by time you get this about 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: OH
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, XXXX XXXX, and 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 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-05-04
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I was disappointed to see the following entries on my credit report, as they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: IL
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 writing to dispute the fraudulent items reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically U.S.C. 1666b, I am challenging the accuracy of this information. The information appears as a result of identity theft. I have been a constant repeat victim of identity theft dating back to before 2018. It is documented, I have police reports and FTC reports along with other supporting documentation. This information was submitted and ignored and the items in question, which are surely not mine, still remain on my credit report. I am currently in the process of attempting to get a house and this is a huge problem/obstacle that needs a solution as soon as possible. I have sent multiple letters explaining this information and have not been able to get any assistance for months. This matter has been negatively affecting me for more than 6 months. My last letter was mailed earlier this month. 

I am requesting that Experian, XXXX, XXXX, and any other relevant credit reporting agency re-investigate this matter and remove/block the inaccurate accounts along with the corresponding information from my credit reports. As stated in U.S.C. 1666b, I am entitled to have any incorrect or incomplete information corrected or deleted from my credit report as an victim of identity theft.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I mailed a letter to Transunion disputing several accounts reporting on my credit file that were reporting erroneously. I asked them to verify the accounts and validate that they in fact belonged to me as well as are reporting correctly. I received a response from Transunion on XX/XX/XXXX stating all the accounts were verified. It is required by the FCRA that when they verify accounts they send whatever documentation, such as a signed contract, they have received to the party disputing. They did not do this. I sent a letter on XX/XX/XXXX requesting this documentation. On XX/XX/XXXX I received another response from Transunion stating they had validated the accounts again, but they failed to send the documentation they were required to send and I requested. On XX/XX/XXXX, I sent a final letter requesting this documentation again, asking they respond within 15 business days since they have had over 90 days to produce this documentation and as of today XX/XX/XXXX, they have NOT produced this documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: U.S. BANCORP
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
The following unauthorized charges where made on my XXXX XXXX Visa card ( XXXX XXXX XXXX ) XX/XX/XXXXXXXX {$38.00} XX/XX/XXXX {$430.00} XX/XX/XXXX, {$81.00} The credit card company has resolved that Im not responsible for the {$38.00} charge. The other two, were credited back to my account on XX/XX/XXXX, then recharged to my account the same day. They were then credited back on XX/XX/XXXX. They were once again recharged to my account on XX/XX/XXXX. 

I have no knowledge of how these charges were made. 

I have proactively communicated with XXXX XXXX Visa XXXX XXXX XXXX XXXX ) regarding this matter including : XX/XX/XXXX I called to report the unauthorized charges XX/XX/XXXX I called to follow up, since I was never contacted back. 
XX/XX/XXXX Online text chat session on website, for which I have the full transcript XX/XX/XXXX I called and spoke with XXXX, a supervisor Late XXXX Sent a US Mail response to a letter I received about the situation, answering all questions asked XX/XX/XXXX I sent a message via the fidelityrewards.com sites Send a Secure Message feature XX/XX/XXXX I made a post on the XXXX XXXX page explaining the situation XX/XX/XXXX I sent a XXXX XXXX message asking for help via the XXXX page XXXX/XXXX/XXXX I called to again report the newly reinstated charges as unauthorized. 
XX/XX/XXXX Sent a certified letter to their customer service mailing address. 

Consistently, the people I reach on the phone, via the number on the back of my card, have told me they are unable to resolve the issue. They are also unable to put me in contact with the investigators, and claim they cant talk to the investigators. They say the only way is for the investigators to call me, which hasnt happened. I have offered to make an appointment for such a call, but have been told that isnt done. I have kept records, including recordings of phone conversations, to document all of this. 

As of now, the {$430.00} and {$81.00} charges are on my card and will be due on my next statement. I believe that I am not responsible for unauthorized charges and request help in resolving this matter.

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 2023-05-19
Company: Experian Information Solutions 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:
Unknown erroneous XXXX credit card showing on my credit reports recently. I do not own or have ever owned a XXXX XXXX. This card just started reporting on my Credit Reports with all XXXX bureaus and shows several years of history. 
I have never owned a credit card with XXXX! I have filed and attached a police 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 2022-09-09
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: Account information incorrect

Complaint:
Notice to agent is notice to principal, this should serve as a written notice that I XXXX XXXX last 4 digits of my account number XXXX, have witnessed inaccurate an incomplete information on my consumer report please investigate the following accounts so they are 100 % complete accurate so my consumer report is fair an equitable to me, and send me a notice of election form. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
XXXX charged my Bank of America " Unlimited Cash Rewards '' Visa credit card {$5700.00} and I have requested a total refund from XXXX XXXX XXXX of the XXXX Billing Department and I have received NO services or merchandise from XXXX ; XXXX XXXX replied that he would be willing to authorize this refund to delete this charge of {$5700.00} to my credit card, but that he has NOT yet received any money from Bank of America and there is nothing to refund since XXXX has NOT received any of this money from Bank of America and that this amount of {$5700.00} should be removed from my credit card account.

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 2021-10-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello Before I file formal complaint with the FDIC XXXX XXXX XXXX and whoever else will listen my name is XXXX XXXX, I have a personal checking account with Chase Bank. My teenage son just started working, and I ran a {$340.00} paycheck throu 3 weeks ago that was cashed and released immediately. I put a second check in, {$770.00} that they have been holding since the deposit was made saying it would be released the XXXX th of XXXX. Now they are saying they're going to close my account if I don't go to a local branch to show my son 's ID which he doesn't have yet because his money had been held since he was paid, and the local branch for is is over an hour and a half away. What is going on with your bank. I would like some answers ASAP. I have been doing business with your bank for years and this is the worst customer service I have ever had. You can't cash one check and not another from the same person same account. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made the mistake of doing 3 big ACH transfers to Coinbase ( $ XXXX each ) back to back3 days in a row. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. Coinbase accepted these payments no issue with out warning that my funds could be potentially locked up. ACH funds were stated to be available in 3-5 business days. I even got emails saying that these funds were now available for withdraw. My intention was to transfer off-chain as soon as possible, since I don't trust centralized exchanges anymore. 

It first started as a 14 day freeze, as they reviewed my " intentions '' They asked the following questions- Please explain your intended use of your Coinbase account - why did you sign up for Coinbase and what do you intend to use Coinbase for? 
- Were you directed by a third party to create the account? 
- Were you directed by a third party to transfer funds? 
- Does anyone besides yourself have access to your account, or account credentials. 

After responding I was told I would receive a response in 14 days Today I checked in with support and now my account is restricted until XX/XX/XXXX!!! 60 days from now! That's absolutely absurd, I've been given no reason as to why this happened. They can't speak about the details due to " security reasons. '' The exact response was " We've determined that your account is currently not eligible for a review at this time. However, you can contact us after [ XXXX ], and we can submit your account for a review at that time to lift the restrictions from our end. " So effectively my money is held hostage without the ability to link bank accounts, or close my account due to having a balance that I can't transfer. Account restrictions forbid adding deposit and payout methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with XXXX XXXX XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows XXXX XXXX XXXX opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!

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