BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the FCRA section 611. 
My contact information is as follows : Your name 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 explanation
Consumer complaint received 2023-03-08
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:
See the attached documents regarding the late payment remarks you insisted on reporting in 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 explanation
Consumer complaint received 2023-11-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is week 2 and I am still asking XXXX ( the Special Handling person XXXX XXXX has still to contact me ) concerning getting the information accurate on the XXXX Report. 
I am attaching the correct info with balances from the companies. 

I am closing on a loan to pay off and lower intersest on these synchrony high interest rate cards/loans. 
please use this info to update. 

my credit scores dropped XXXX points in one day from XXXX to XXXX still good but why? 
i have not opened credit and i have paid down the cards etc. 
Let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: LA
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 have reached out to the bureaus on multiple occasions and they have not honored my request in a timely manner. I sent in disputes on XX/XX/XXXX and I need this request completed and items taken care of.

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 2021-05-25
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received multiple calls from Citi Cards or their authorized representatives regarding a credit card that they indicate I defaulted on over 11 years ago. I don't know anything about this debt nor do I have any intent of paying it. I want them to stop calling me. 

Even though I have repeatedly asked to be removed from their calling list, they continue to call. Today they threatened legal action and to garnish my wages. They called from XXXX XXXX XXXX x XXXX. She said her name was XXXX and she indicated she worked for XXXX XXXX XXXX. She told me that she had already filed to garnish my wages. This is NOT true. Nothing has been filed and even if this were my debt it is far past the statute of limitations in the state of Iowa ( see Iowa code 614.1.4 ). 

Before XXXX reached me today she called my sister on my sister 's phone and told her that I was going to be sued for bad debt. She told my sister that this was my FINAL notice and that my sister better help get it resolved. Making these false claims and threats to my family is harassment and it is my understanding that it is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Regions bank account in question XXXX XXXX I was notified by my bank that a fraud was done under my bank account Regions bank. I was told that checks were cashed by me.I told them is impossible because those were not my signature nor I had knowledge of the person writing those checks. I explained that previous week my purse was stolen from a XXXX  supermarket a police report was produce. I called Regions and told them about the incident to close debit cards and warned them about the incident of my stolen wallet. They told my accounts were frozen until investigation is done but I asked question that I need to see video cameras and proof of what they are accusing me of that I cashed those checks. They denied me information or further. I provided them police reports. All I get is no other information is available to me. I told them how come what teller authorized those checks and form of ID the robber provided to them. I need help REGIONS is been rude to me and treating me as a delinquent and ignoring me. I am attaching all documents concerning this matter. Please I need your assistance on this matter. I need access to my money to pay my rent and bills. Regions must give am explanation to my case and why they had treat me rude and ignoring me.All my oficial documents were stolen my ID my US passport and bank checks were inside my purse that was stolen.Only sin is this delinquents stole my purse now they went and created this caos on my bank account. My lord help me

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 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
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 XXXXXXXX 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. 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 explanation
Consumer complaint received 2022-08-12
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have attached the discrepancies with these accounts from my credit report. The information is inconsistent and illegal. These accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a refrigerator from XXXX XXXX delivered on XX/XX/2023, It's defective, three service calls have been made on it. I don't want the product. 
I'm being forced to keep the defective product. ( {$1800.00} ).

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have attached and account that is reporting inaccurately to all three of my credit bureaus, per the FCRA any information reported in my name to the three credit bureaus must be 100 % accurate. I have attached a picture of this account taken today wirh the inaccuracies highlighted.

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 2020-04-06
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the COVID-19 pandemic, my small business has been impacted substantially resulting in a loss of over {$20000.00} in just two weeks time. Unfortunately, the timing of the pandemic occurred during our peak season of operations. We are in the hospitality   business and depend on the additional income received during the months XXXX - XXXX, to supplement the lack of income during the summer months. Our business provides XXXX  services for short term rentals in the area, also known as, XXXX 's and XXXX 's. Travel advisories placed us first in line as a business to become impacted by the pandemic. It will take over a year to make up the loss incurred. As a result, we are forced to re-enter the work force as employees. While looking for work that is already very bleak due to the large numbers of others that are also looking for employment during this unprecedented time, we hoped to receive a payment deferment from our mortgage company, US Bank. US Bank 's current relief program does not provide any relief or assistance. Payments can be made at our own discretion until XX/XX/2020 but all 3 months of mortgage payments are due in full by XX/XX/2020.  This only offers the opportunity to become behind on payments. Attempting to pay 3 months worth of payments in full is not realistic when we are already enduring incredible hardship from something that is completely out of our control. We have never been late making a payment to them since we've began making payments to them almost four years ago. Why can't the payments be deferred and tacked on at the end of the loan? Our credit union was able to do this and promptly did so for our auto loans with little to no questions asked. This would help us substantially while we try to get back on our feet. We are a small business. We've provided work and income to other families in need and will be the ones doing it again when the economy is trying to get back on its feet. Why is there not better help and assistance available to us when a national emergency and health crisis is at hand? We know we are not the only ones enduring this and hope that this complaint can bring true relief to other American families that need it most during this global tragedy.

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 2023-08-29
Company: EQUIFAX, INC.
State: FL
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citicard has failed to honor their citi price rewind claim and denied my 2 claims on a wrong reason. The claims were for a lower price on XXXX for the same item and sold as 'Buy it Now ' price which is NOT an auction price. However they refused to honor the lower price citing the lower price is on an auction site. When asked why they dont honor auction sites, they gave reason as the price of the item is a bid price which doesn't guarantee a purchase at that bid price, which I agree 100 % and yes bid price should not be price matched. However XXXX is not an auction site as they also sell items which customers can buy without bidding. This lower price was for the same item, brand new and NOT bid price. Thus this item any one can buy without bidding. On explaining this to Citi price rewind customer service personnel, they agree to this but will not approve. I escalated to their Supervisor - XXXX who would also agree but will not approve giving a silly reason that even though the item is not on bid or not being auctioned, it may go on bid if its not being sold for longer period of time. I dont understand what kind of reason is this. The item can be either on auction or sold at a fixed price. My lower price corresponds to the fixed price and NOT an auction price. I filed XXXX complain and XXXX XXXX an Executive Office from their Presidents Office called me and insisted that XXXX is an auction site and Citi wont honor the price-rewind claim. When I asked her to check with XXXX that they are NOT auction site, but is also eCommerce site like many others, she refused and said, no XXXX is an auction site. I am apalled at her knowledge and refusal to look into it and correct it. 
In-spite of telling her that XXXX XXXX is an XXXX XXXX XXXX XXXX based in XXXX XXXX, California that facilitates consumer-to-consumer and business-to-consumer sales through its website she refused. This is malpractice by Citi by not honoring their own terms by branding XXXX purposefully as auction site to refuse payment of the price difference as per their benefit. 
This is to highlight to consumer to be aware of malpractice by Citi.

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 2018-03-07
Company: U.S. BANCORP
State: CA
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 was pre-approved online for 3 of US Bank 's credit cards on XX/XX/XXXX. The offer I was given is attached. US Bank is currently, as of this today XX/XX/XXXX XXXX, running a {$150.00} promotion for spending {$500.00} in 90 days. It is open to the public for anyone who applies. My pre-approval offer had this {$150.00} promotion, 0 % intro apr for purchases and balance transfers, and an advertised rate of 20.24 % APR. I applied in the branch with my personal banker. When I called US Bank 's customer service line to find out my APR, I was completely shocked. I was given an APR of 23.24 % ( 1 % away from the highest APR offered ) and I have a XXXX Fico with XXXX  ( the bureau utilized ). Not only did I receive a very high APR, I didn't have the advertised " spend {$500.00}, receive {$150.00} bonus, '' attached to my account, even though it's available publicly. I also don't have the 0 % on purchases, only 0 % for balance transfers. 

I reached out to US Bank and faxed over a request to review my credit card offer. I also mailed a letter to their Cardmember Services address and corporate headquarters. I faxed over the documentation showing the promotion is available publicly as well. They responded by mail on XX/XX/XXXX that the promotion is targeted. Apparently the representative that reviewed my request, did not even notice their own website. I've exhausted every amicable solution possible. 

While I understand it's US Bank 's discretion to only provide me a {$1500.00} credit limit ( which doesn't reflect my creditworthiness ), I really feel deceived with the terms of this credit card and the lack of promotion that was not only targeted to me, but also open publicly.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: MD
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 have reached out three times over the last three years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated 4 days. I have certified receipts of the mail being delivered as of XXXX 7-8 business days ago. This is the exact non-response from XX/XX/XXXX, and 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 2021-08-20
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX called to ask about debt. Told them i was dealing with funeral arrangements XXXX called me again, told them do not call me again and told them my father just died and to again not call me XXXX called again, i repeatedly said to not call me. Prove the debt was mine, stop harassing especially after i have requested for no more calls and if i get another call i will file a harassment suit. 

XXXX called them to file a report of harassment and to do not call list. They argued and would not take my report nor forward me to a supervisor. I told them since its a recorded line that if they call me again they are agreeing to harassment lawauit as guilty. 

So we shall see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: BARCLAYS BANK DELAWARE
State: ME
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:
Please note I have closed my credit card XXXX XXXX XXXX MASTER CARD back on XX/XX/2020 by calling customer service then called again on XX/XX/2020 and also sent an online contact us feedback form to have it closed. There was an annual fee of {$99.00} charged on XX/XX/2020. You are given 60 days within the fee being accessed to close the card and have the fee refunded. When I called they confirmed account closure as well as fee of {$99.00} reimbursement. To this day i still havent received my refund as promissed and the amount got deducted feom my bank account. 

The comoany committed a fraud. 
Please help me resolve this issue with the XXXX XXXX XXXX Master Card. 

Thank you very much, XXXX XXXX XXXX. XXXX  XXXX XXXX, ME 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 monetary relief
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to this company on 2 instances in XX/XX/XXXXwithout resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled on XX/XX/18.

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