BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank is not honoring their cash bonus on new accounts Opened account on XX/XX/2022 Deposited $ XXXX to benefit from $ XXXX cash bonus as advertised. 
I have maintained this balance since XX/XX/2022 and beyond the 60 consecutive days as required by Citibank Citibank should have deposited the bonus within 90 days and has failed to do so. 

I called Citibank in XX/XX/2022 and they confirmed that the bonus would be credited within the 90 days I called again today XX/XX/2022 and Citibank now claims that " no promotion is attached to the 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 monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to OneMain records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, XXXX reports that the account was opened on XX/XX/2022, but XXXX and Equifax report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax Credit Bureau placed a fraud alert statement on my permission and I'd like it removed. Please remove the fraud alert statement from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NJ
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX logged onto il state website to make payment plan and tried to use letter code to plugin to the system. Received message that it was not valid. 
Date of XXXX XXXX XXXX, XXXX Letter ID - XXXX Popup on screen indicated that the letter could not be more than 90 days old to be valid, allowing me an additional 13 days before expiry. 

The first thing I did was to fill out and send a payment plan with installment down payment of {$100.00} paid {$100.00}. ACH through my bank. 

XX/XX/XXXX at XXXX XXXX  central I made ACH payment request Confirmation number : XXXX  Email Address : XXXX Request Type : XXXX Payment XXXX XXXX XXXX XXXX Amount of Request : {$1100.00} Reporting Period XX/XX/XXXX Date of Debit XX/XX/XXXX My confirmation letter states : If you would like to withdraw payment before it is processed by the Demartment, you may do so using the confirmation and email address listed below. 
XXXX XXXX On Tuesday XX/XX/XXXX, XXXX XXXX I spoke with XXXX XXXX and he explained I could pay the bill in installments that week on the website. He advised me not to overpay and confirmed I could withdraw the ACH request during business hours up to Wednesday, XX/XX/XXXX by calling them as the above mentioned letter stated. He said yes. it could be withdrawn the day before on XXXX XXXX. Informed me that the total amt. Owed is {$1300.00} with updated penalties. 

Single comprehensive list of payments made to state of Illinois XX/XX/XXXX EDI payment ACH Debit {$100.00} XXXX mentioned previously XXXX-withdraw date scheduled for XX/XX/XXXX {$1100.00} ( mentioned previously ) Confirmation ftfxmk still could be allowably withdrawn XX/XX/XXXX {$600.00}. Value Payment systems Confirmation # XXXX XXXX am XXXX XXXX XXXX XXXX {$100.00}. Value Payment systems Confirmation # XXXX at XXXX XXXX XXXX XX/XX/XXXX {$350.00}. Value Payment Systems Confirmation # XXXX at XXXX XXXX 
XX/XX/XXXX {$350.00}. Value Payment Systems Confirmation # XXXX at XXXX XXXX 
Total Payments = XXXX Total Owed = XXXX Overpayment=XXXX XX/XX/XXXX I contacted XXXX ( No last name provided ) at XXXX XXXX to withdraw the ACH request of ftfxmk, per the instructions on the letter. XXXX stated it could not be withdrawn because the state had already processed it ( though it was a day earlier than requested. ) I asked him how I would receive the balance of over payment and he told me the funds would be sent to me in a check. No check has arrived nor any information about the time I would receive one to date as of XX/XX/XXXX XX/XX/XXXX I received a letter from a collection agency Harris & Harris stating I owe them {$1300.00} Letter and postmark backdated XXXX XX/XX/XXXX. Harris & Harris is located approximately 9 miles in city center XXXX. In worst case scenario a letter would not take that long to arrive if properly dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
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:
XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$340.00} XXXXXXXX XXXX  I Reported : XXXX XXXX, 2021 {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-03-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my credit report from Equifax on XX/XX/XXXX online. I received back a message that they were not able to send it on line and I needed to call. I called and talked to two different representatives. I gave them extra information that they requested. They assured me there was not a problem with my Credit score and that they had looked at it. They then asked for further information which I provided. They then said they would send the credit report by mail and I would receive it within 7 to10 days. I received onXX/XX/XXXXand XX/XX/XXXX letters with a XX/XX/2021 date : each with a form I was requested to send back in order to get my Credit report. No Credit Report was included! The letter and form had the title " XXXX '' with address to send to at XXXX. XXXX XXXX XXXX GA XXXX. The " XXXX XXXX XXXX  Request Form '' asset that it be sent to XXXX XXXX XXXX  Request Service. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
This to me is an unacceptable response to a simple request for an annual credit report. Is there some scam involved? I need to know!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/23 I noticed that my chase sapphire reserve card ending in XXXX was closed. I reported to my credit bureau that the account was in fact open and that I applied and approved the application for the card. Further on XX/XX/23 chase closed my account for fraudulent activity per one representative. I had neither called in nor did I report the account as fraud. The account was used on a trip and the account was used to purchase a treadmill in which I approved all transactions. I called the sapphire team to alert that my account was closed and was told then by a representative that the account was report stolen. But I never reported the account as stolen as I explained the card was in my possession. Again I stated that yes I applied for the card. I was then asked to t send in documentation proving my identity in which I provided a SSC copy front and back, a DL front and back, and a billing statement with my name current address as proof I was who I said I was. 2 weeks later I phoned again and was told on XX/XX/23 that my card was with the recovery team. On XX/XX/23 I called again and was rudely told by a customer service representative that my account was closed and would not be reopened the deemed it as fraud and could not prove my identity with the documentation I provided. When asked for an explanation I was told that they do not have to tell me anything. I have an extended fraud alert on my credit so I in fact was at least due a call by the team to inform me of something but they did not. I had been waiting on this card a long time and was really excited. The way the situation was handled was very unprofessional and rude. When asked for documentation I provided it and anything else asked to recover my account yet the person over the account did not reach out to confirm or explain anything to me.even though I stated several times this was a legitimate application and I applied for it.. I also added my fianc as a authorized user and neither of us reported the card. The only thing that varies was the address as i just purchased a new home.The card was deemed closed on my credit report before the bank said fraudulent activity. And then they removed the remark. I would like someone to further investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
EXPERIAN CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-11
Company: BARCLAYS BANK DELAWARE
State: IN
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: Problem with personal statement of dispute

Complaint:
Good afternoon, Ive been a loyal and an on time paying customer for at-least 6 years with this company! My overall credit has always been excellent and Ive never had a negative remark! After not using this card for almost a year, I woke up over one weekend to a surprise notification from my credit monitoring app stating I had a reported delinquency from this company for a 30 day delinquency. As you can imagine, this came as a total surprise to me as I received no communication from this creditor and without warning about it before it reported to the credit bureaus. Come to find out, they charged me an annual fee and even after 30 days of delinquency, I didnt received a single call, voicemail, email to warn me of this delinquency and provide an ability for me to avoid a credit reporting. This all happened while this company bombarded me with unsolicited advertisements and promotional emails. Once I realized this, I called and paid off the entire balance of {$41.00} but to my dismay the damage was done by losing almost 100 points on my credit score! Im really hoping you guys can do the right thing here and remove the unjust negative credit reporting especially during the state of affairs with COVID and lack of proper warning/communication. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello this complaint is in regards to my checking acct at fifth third bank. 
I had an emergency on date of XX/XX/XXXX in which I had to withdrawal from a 5/3 bank atm and by mistake I had to take 2 withdrawals right after each other. 
This caused by acct to go negative by XXXX XXXXI deposited a check in the atm on XXXX the XXXX 
I checked my balance and was assessed 2 nsf charges for this for a {$74.00} dollars.I believe that this was excessive and unethical. 
I called the bank on Tuesday the XX/XX/XXXX and they offered to credit me {$25.00} for a reimbursement of a prior fee assessed in XXXX. 
I accepted the offer but it was never credited.I called the bank back the following day and I was informed that in fact I was not eligible for that {$25.00} credit. 
I had to make several call and finally a supervisor was able to credit me back some atm fees that totaled to roughly {$23.00}. 
Now today I was checking my acct and see that I was charged again a {$25.00} extended overdraft fee over the same situation. 
This organization needs to investigated their policy in regards to this is totally totally unfair and the only reason I stay with this bank is because of family member I share an acct with. 
I had made a complaint about their activities in the

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Resurgent Capital Services L.P.
State: CO
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:
On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by XXXX XXXX XXXX, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called XXXX XXXX XXXX. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. 

When addressing this with XXXX they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief