BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location. 
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX, EQUIFAX, and XXXX was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have my loan with XXXX XXXX XXXX XXXX , during the month of XXXX when th Pandemic Covid 19 start I request my loan to be into the FOREVERANCE PROGRAM, XXXX accept and offer me 3 month starting on XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. 

On XXXX XXXX XXXX my loan to the company XXXX XXXX, this company send my a letter to offer me an extention for the Foreverance Program, and I agree for 3 additional months until XX/XX/XXXX. 

But XXXX XXXX Report to the 3 Credit Bureaus that my XXXX payment as late payment, and destroy my excellent credit report and scores, I never been late on my payments. 

I call XXXX XXXX and they told me they will be fix this mistake inmediatle and apologies for the mistake, I still waiting but they never fix the problem and they report again to the Credit Bureaus, causing more damage on my credit report for second time now my credit from over 700 credit score point appear as a miserable report of XXXX, all my lines of credit has been affected. 

I have all proof to summit to who and need this. 

I already spend hours and hours trying to solve this matter with loan care multiple employees and always they said they will fix but after almost 3 months they do not solve the problem and my finance economic is destroy. 

Need please to who correspond to help me to solve this problem ASAP. 

Thanks. 
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 2023-02-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have been trying to receive my earned bonus of {$700.00} since XX/XX/XXXX for a checking account that was opened around XX/XX/XXXX. Citibank has kept stalling and has not sent me the bonus, which I have been consistently monitoring. 

I have been told that I qualified for the bonus by many of the Citibank employees who have claimed they have done their own research. And I have been sent a confirmation notice months earlier that I have been enrolled in the promotion successfully ( see attachment ). 

I have had over XXXX conversations with Citibank employees since I opened up this account. ( See attached phone records with official Citibank phone numbers ). 

I have been told many times that the bonus should be deposited into my checking account NO LATER than early XXXX of XXXX. I did not get it so a request has been filed with Citibank which has not been completed, and it has been over a month now. 

Originally, I have been told I would get an escalated resolution within 3 to 5 days starting XX/XX/XXXX, which I did not. So I called back up again, and was told it will take another week as no one has looked at the case yet. I called a week later, and got the same response. And finally I called for the 4th time ( every week ), and STILL no resolution, and they keep saying they will escalate the case or they tell me to call back next week. Its always the same! 


Citibank is not honoring its {$700.00} promotional offer despite my repeated attempts. This is false advertising and fraud. I have been wrongfully mistreated and misinformed to the point where I am filing this complaint. I have wasted countless hours and days in research and in conversations. I have had a lot of anxiety and stress over the past few months because of Citibank which has effected my mental health and well being. 


I expect a minimum payout rightfully of {$700.00} for the bonus within 5 business days of this formal notice.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: SC
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:
I XXXX : XXXX, beneficiary have sent out cease and desist letters to Experian along with debt validation letters. Today XX/XX/XXXX I still have 3 HARD INQUIRIES and LATE PAYMENTS that has yet not been removed, due to not having a wet signature or any consent in that nature, they have continued to not follow up with my letters nor remove what was demanded to be removed from my credit report. These being reported has brought my credit down tremendously. My family has not been able to get approved for a car, house or anything thats needed to get through life. I have been turned down getting approved for anything and its causing stress to me and my family, giving me hard times. 
INQUIRIES : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX LATE PAYMENTS : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
Bank of America credit card. I an XXXX  for my XXXX + year old father. Found out by phone message on parents phone about fraudulent charges on XX/XX/XXXX. My father does not know. I called BoA, of course they refused to tell me anything. No BoA branches near me so I mailed it in with a statement to the address I was given in XXXX sent it priority. With tracking. BoA received it XX/XX/XXXX. Since then I have called several times per week, at first I was told that BOA has 10 business days to process the XXXX  which would have been XX/XX/XXXX. I called BoA on XXXX  XX/XX/XXXX the XXXX still has not been processed and I was on the phone for over an hour trying to get help. Now I am being told that they have 30 days to process the XXXX. Also last week when I called the fraud department, I told them I was making a complaint and I needed BOA routing number for the credit card account and the person on the phone asked his supervisor and then refused to give me the routing number.

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
When you type annualcreditreport.com into a web browser, it gives a 404 page error. ( The address bar shows " https : //XXXX '', although I am NOT at any foreign location - I am in the United States . ) However, using the link from the FTC webpage ( https : //www.consumer.ftc.gov/articles/0155-XXXX ) DOES work. 

After using the FTC 's link to enter the site, I encountered another problem. Once I viewed the first credit report, the link to get another report ( " Get your next report or finish '' ) creates a popup with 2 choices : " Yes, I want to return to XXXX now '' and " No, I'd like to remain on this web site ''. The link to remain on the site works, but the one to " return to XXXX '' does not. It simply remains on the same page, although the web address bar shows " https : //XXXX.transunion.com/dss/returnToXXXX.page? # ''. 

In addition, every company providing a credit report is apparently allowed to create ads for paid services on the pages that display the free reports. This is very misleading and I hope the CFPB can stop the practice. ( Also, XXXX  's use of the XXXX website, which is nothing more than an advertisement for their {$24.00} a month credit monitoring service. )

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 2020-11-13
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a prepaid card that was issued on XX/XX/2020. On both XX/XX/2020 and XX/XX/2020, I was charged a " monthly service fee '' of {$3.00}. I believe that charging such a fee on this prepaid card, especially so soon after issuance, is in violation of the federal CARD Act and/or N.Y. General Business Law 396-i.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount XXXX From National Credit Systems account number XXXX, collection representative is XXXX XXXX, office located in XXXX, XXXX My husband and I lived at XXXX XXXX XXXX XXXX XXXX XXXX , because of many people experiencing issues and added on expenses from rental properties, we decided to take many pictures and videos of the apartment when moving out. This apartment was spotless, the collection agency and Mr XXXX will not allow me to send the pictures of the apartment, nor will he call me back. he will not supply email information. I left messages on his voicemail and I am quite sure they will use the Coronavirus as an excuse but I tried previously and again, nothing. I want this amount removed and this also removed from my credit report. I need the last payment that I made and will attempt to get that from my bank, the property stated we only paid until XX/XX/XXXX but when we moved from XXXX back to XXXX we changed our banking information. So if we owe anything, it's XXXX or so. There is no doubt from my videos this is the apartment we lived in because I also took videos from different angles and from the window

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
15 u.s.c 1681 section 602 a. states I have the right of privacy.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 

EXPERIAN REPORTING INACCURATE INFORMATION XXXX XXXX ACCOUNT ; EXPERIAN -LATE PAYMENT XX/XX/2016 XXXX NEVER LATE XXXX NEVER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for and was granted forbearance at the beginning of this horrible pandemic that we all are having to face last year. I applied again after my 12 months was up for an extension of the forbearance and I was pretty sure I was granted another 12 month forbearance clause with my mortgage, recently ( within the past 3 or 4 months ) I have noticed letters from my mortgage lender 5/3 or Fifth Third Bank stating that I currently owe in access of {$20000.00} on my mortgage account. Thats funny was I with the rest of about 75 % of all other homeowners in the forbearance stage in our mortgage accounts. I have always thought after the forbearance is over I would have the option to add those missed monthly payments on to the end of my mortgage loan as added months ( extended my loan basically?? )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-12-21
Company: EQUIFAX, INC.
State: VA
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 transferred my Student Loans to XXXX in XX/XX/2022. I noticed on my credit in XXXX that XXXX continues to show my loan as open/active with over a $ XXXX balance. I now have TWO student loans balances owed ( XXXX ) on my credit report!! I contacted XXXX and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both Equifax and XXXX and both results came back as account active and will not remove close/remove XXXX from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: KY
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:
I have sent removal letters to each credit reporting agency for the last six months asking them to remove o hard inquiries from reports. In those letters I have explained that there are items that contains data taken directly from my credit report. Asked them t please delete the unconfirmed inquiries lacking certification evidence unless physically certified verified proof is demonstrated per US code 15 usc 1681 ET SEQ. section 604 of Fair Credit Reporting Act

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 2022-12-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
IRS states they deposited {$3100.00} check in my account on XX/XX/2022 in my checking account. I never received it. The IRS HAS been tracking this check and XXXX XXXX hasnt responded for the 9 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
It is showing on my credit reports that Santander Consumer USA did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Santander Consumer USA responded by stating that my credit was pulled on behalf of XXXX XXXX XXXX. I have never visited XXXX XXXX XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Navy Federal Credit Union threatened and then damaged my credit reports with reports of late payment history and derogatory remarks stating that the account was 150+ days delinquent and is reporting a inaccurate date of first delinquency stating, " they have forgiven the original first date of delinquency, and will not correct my credit report with the accurate information disputed due to debt forgiveness for that date of first delinquency. '' I have tried to correct the date of the first delinquent payment only to have them report an inaccurate date of first delinquency every time I dispute. The information they provide is wrong, yet it still reported as accurate by the creditor when disputing through the credit bureaus websites. Requesting immediate and permanent removal of Navy Federal Credit Union 's Reporting file ( s ) from my credit reports for knowingly reporting inaccurate date of first delinquency. They have reported this for the last six and a half years and should be sued for monetary gain for misinforming the credit bureaus the way they did for the last 6 1/2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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