BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a credit card with XXXX XXXX XXXX XXXX XXXX however they turned the credit card business over to a company called XXXX. In early XX/XX/2018 I transferred my balance from XXXX to a new credit card with a more reliable institution. I called XXXX and canceled the original card with them. I received a letter confirmation of that cancellation. Then I received another bill from them with a balance of {$0.00}. Today XX/XX/18 I received a letter from XXXX XXXX XXXX of North Dakota informing me of a Rewards Program with several pages of fine print. I called and asked why they sent me this as I have no credit card with them. They asked for a credit card number and I replied that I do not have a MasterCard and no business with XXXX XXXX. I gave my name and he found me in his system and asked if the last 4 Digits of my card were 2. ( I cant reme the 4 numbers he said ). I said no my old credit card ended in XXXX to which he said yes its the same. We take over credit cards from small banks and credit unions and switch them out to New numbers. I told him the XXXX Master card was canceled and there is a XXXX balance. He said yes I can see the XXXX   balance. So I asked about the new number XXXX switched it to and he asked me to hold then returned and said they are both closed and I would receive correspondence confirming that fact. This idea that a company can acquire my closed credit card info and create a new account with their company is disturbing and scary. This man said his name is XXXX at extension XXXX the phone # XXXX. He is in XXXX ND. What they sent to me was called XXXX MasterCard Select Rewards Card agreement and disclosures statement I have no business with these people I canceled my MasterCard with XXXX approximately XX/XX/2018. I have a cancellation letter. What evil is XXXX XXXX attempting to inflict on me? I have no MasterCard I have no business with XXXX XXXX. Why is it this difficult to cancel a credit card. I have good credit and dont want that jeopardized

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 2023-09-27
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
We responded to an offer of an AAdvantage credit card with a {$200.00} statement credit for XXXX XXXX purchases during the first 6 months and XXXX bonus miles after {$2000.00} in purchases during the first 3 months ( attached ). We received XXXX bonus miles but no statement credit, despite having charged over {$6000.00} in airfare on the card immediately. 

When I contacted Citi AAdvantage about this, I was told to send a copy of the ad to which we responded. Instead of being issued the credit, we received the attached letter stating that, " A {$200.00} statement credit is not a part of the XXXX bonus mile offer. ''

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 2023-05-29
Company: Experian Information Solutions 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:
Account has been re-aged and shows 2 different years in the date of last activity! Remove for violation of 5 US Code 1681a ( 4 ) by reporting mis-information. Please see the credit report attached. If this is not removed within 15 days, I will be taking this to small claims court. Attached is the credit report and the letter sent to the creditor, which is dated, and time stamped.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: RI
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  Account # 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.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported and the account with XXXX is FRAUD. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide documentation used to determine inquiry and XXXX account was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used and signed application with consumer WET INK SIGNATURE. Consumer is not asking for an E-Oscar report. If EXPERIAN does not have documentation to show these were in fact authorized, it must be removed asap. Said company is liable under the SEC to follow certain rules. EXPERIANS Commission file number is documented. I will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their Consumer File NOT Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: HI
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:
There is an incorrect late payment reported on my credit report for " 30 days late '' on a mortgage payment with XXXX XXXX XXXX in XX/XX/2019. I called XXXX XXXX XXXX and they said that they did not report me as late. I was not late with my payments, I was always on auto pay, and also this account has been paid in full for over a year. Loan was # XXXX. I discovered this error through Experian, and I don't know which, or if all XXXX, credit bureaus have this incorrect information.

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 2023-11-15
Company: EQUIFAX, INC.
State: IN
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been attempting to call their call center to add an e-mail or phone number to my already existing neltnet account so that I can access my nelnet because I forgot my username and password years ago. I am told the only way to add multifactor authentication to reset my password or recover my username is by calling them. Every time I call it either hangs up and says the call center is experiencing too many calls or its closed even though I call during the operational hours that they list on their Nelnet Website. I am beyond frustrated. I applied for the save program nearly a month ago but apparently Nelnet is not accepting the application or approving it for some stupid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I mailed a dispute letter to Equifax via Priority Mail that they received on XX/XX/XXXX ( See attached letter with XXXX receipts ). IT IS WELL PAST THIRTY DAYS and Equifax refuse to respond to my dispute letter correct ALL of their mistakes. Equifax received my dispute letter on XX/XX/XXXX and it now XX/XX/XXXX. 

I requested that Equifax do the following : Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Item 2 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 3 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 4 Incorrect XXXX XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed XX/XX/XXXX Correction : My then attorney advised me that a XXXX XXXX XXXX  would remain on my credit report for 7 years not ten years. I pay ALL of my bills on time and I am not delinquent on paying my bills. XXXX XXXX has ALREADY DELETED this erroneous bankruptcy from my credit report. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code clearly states, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), BEFORE THE END of the 30-day period BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 

Once again, Equifax has GREATLY exceeded the thirty days and I am once again requesting that the Consumer Financial Protection Bureau to STOP this credit reporting agency from violating my rights! What Equifax is doing to me is illegal and in violation of the law! 

I have listed four ( 4 ) items that I am disputing and I am requesting that they be removed from my credit report. After the completion of your investigation, would you once again, please send me a free credit report illustrating that all of The four items have been removed and include my updated credit score. I am being harmed by Equifax illegal actions, Equifax is in violation of the law and I am requesting your immediate attention in regards to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the XXXX XXXX Citibank XXXX XXXX card. I found out I was denied because they couldnt verify my information. I was confused so I called and they told me to call experian. I call experian and experian said there is zero reason to deny me ( XXXX credit score, income of XXXX, and never have missed a payment ). 

I went around and around until I finally got someone who gave me an answer. One person said my address didnt match what was on the credit bureau.. The other person said it was seniority of addresses on the credit bureau. Either way they clearly were just trying to find an excuse since I had zero reason to be denied. I finally talk to a manager and I explained to him I move every 3-6 months for work and can provide every address I have lived at for the last two years and get verification that I am required to move this often for my job. He refused any documentation and said I would not be allowed a credit card unless I have an address in the future that i stay at for a longer period of time. I said that is impossible.. I would have to get a new job and youre now denying me a new job or asking me to submit tax fraud ( by law I have to pay taxes in the state Im currently working in so I have to change my address everytime my company moves me ). I was denied based on my job and not because of income, credit score, or any true factor of it I was eligible for a credit card. I can not change my line of work and offered any verification you needed and they refused it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 2023-09-11
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found out that the Bank : XXXX XXXX XXXX is fraudulent reporting a car loan under my name which Ive never done business with them besides the only car i have on my credit is a Lease from XXXX XXXX it wont make sense that i do business with a small bank like XXXX having a lease from XXXX XXXX its clearly a Fraudulent 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am writing to file a formal complaint regarding unauthorized inquiries that have appeared on my transunion credit report. I have recently discovered these inquiries, and after thorough investigation, I can confirm that I did not authorize any of the entities involved to access my credit information. 

I believe this issue is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only entities with a permissible purpose, such as creditors and lenders with whom I have an existing business relationship, are allowed to access my credit report. Unauthorized inquiries not only infringe upon my privacy but also have the potential to negatively impact my creditworthiness. 

Enclosed with this letter, you will find copies of my credit report indicating the unauthorized inquiries, as well as any supporting documentation I have collected during my investigation. I have also attached a list of the entities responsible for these inquiries, along with their contact information. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action to rectify the situation. Specifically, I request the following : A detailed investigation into each unauthorized inquiry, including verification of their legitimacy and purpose. 
If it is determined that these inquiries were indeed unauthorized, I request their immediate removal from my credit report. 
A written response from the Consumer Financial Protection Bureau with the findings of the investigation and any steps taken to address this matter. 
I appreciate your prompt attention to this complaint and trust that the Consumer Financial Protection Bureau will take the necessary actions to safeguard consumer rights and ensure the accuracy of credit reporting. 

Thank you for your assistance in 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: LA
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:
Identify theft report was sent in to credit bureau about this item that is placed on my credit report. I have no knowledge and was never provide proof of this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made arrangement to pay Statebridge Mortgage HOA fees they paid on my behalf in XX/XX/2018. 
Had a payment plan with them to pay XXXX XXXX monthly. 
The first month it was due was XX/XX/2018. I sent a check, but unfortunately I wrote {$24.00} in the check box. The correct amount of {$2400.00} was written out. 

Statebridge returned check. I sent a money order. For Two months I sent them my payments. 

In XX/XX/XXXX they sent a mortgage statement saying I owed {$10000.00}. I called. They said the payment plan was canceled because the 1st payment got to them late. They never called to say the plan was cancelled. The account was under Loss Mitigation. 

They held on to the money order, the 2 checks, then referred it to an attorney almost 4 months after. 

The check they returned could have been cashed because once the correct amount is written its acceptable. 

I now racked up attorney fees because of their underhanded tactics. 

As of 2 weeks ago I paid them over {$14000.00}. 

I would like to file this complaint because Im sick of the illegal tactics being used by these companies & they being allowed to get away with it. 

I would therefore like to regain the attorneys fees I paid. 

To understand how they operate, every week at a total of about 3 calls a week, some rep called asking about how I intend to pay. Its like the left hand didnt know what the right was doing. They never had it in their records that it was referred to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: MO
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation