BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S Department of Education XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.15 U.S.C 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.

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 2023-05-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CiTi Bank just want to spy on customers. This new spying practice required to have nice phone that is able to do what CiTi Bank wants it to do. There is no way anymore to use ID and password to get into the account whenever and wherever you are. Now, need to be on the phone with CiTi Bank for hours and they already sent bunch of verifications code on my phone and still it required to get another code by dialing number 1 on dial pad that isn't working for me on my phone. CiTi Bank does not let me another option like email. No, they want what they want and not what I am comfortable with. They want to know where I am right now. They want to know my spot. This is criminal. They want to track my phone. I was hour after hour on the phone and still simply can not get my account number that I needed. The CiTi Bank assisting criminals who violate customer civil and constitutional rights. 
Whatever I complained about before did not get an appropriate investigation. Criminal net is growing against innocent victims. Criminals get covered up. If I got a problem with the phone I got a problem with Bank, like it was last year and at the beginning of this year. When my phone got dysfunctional and I was not able to get into my Bank account. I provided temporary phone number and now the CiTi created a problem by not changing my temporary phone number back to my permanent number. What kind of law allow them to spy on people and create obstacles? I am denying to have that double security on my account through the phone. 
When I am a customer saying that I have fraudulent charges billed to my debit card, they do not respect me they continue to respect fraudulent activity. This is what was happened to me that I have to complain about again to some different organisation because your business did not help. After I promised that I will complaint now they created one more obstacle for me. Now after I put my ID and password I have to put my debit card number and code. It is done to block customers from using their money.

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 2023-05-30
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Citi bank started litigation for a time barred debt which has way past it's statute. Every time I file a complaint to the CFPB the response of the bank is simply that this matter is in pending litigation which is exactly the reason why I actually filed this complaint that they began litigation on time barred debt in violation of the FDCPA. Their continued response that the matter is in litigation is not an answer or an excuse, it's actually the core issue and violation why I'm complaining about and must be properly addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-29
Company: Metallicus, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying withdraw my XXXX XXXX XXXX crypto money and the company will not prcoess the transaction. They claim I have hit my daily limit which I have not. Their other wallet named XXXX has no limits and conveniently for them it also will not process a withdrawal unless it's a transfer to metal pay their other platform. The total amount id over XXXX. I have tried many withdrawals in small amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterMarch XXXX ( I ) report the account as current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I called PHH mortgage company to discuss relief for monthly mortgage payments. I was immediately place in some kind of shady scam forbearance plan without my consent. I later learned that PHH forbearance plan and the Cares act forbearance plan are nothing alike. PHH mortgage company refuse to offer a forbearance plan in accordance with the Cares Act which offer 180 monthly mortgage payment relief and an additional 180 day relief if necessary. I want to exercise my rights to the benefits offered to me by the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Monday XX/XX/2023 at XXXX I began to receive repeated text messages from multiple numbers. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. 12 text messages in total! The texts read XXXX A notice from Wakefield and Associates, a debt collector. Password is 5 digit zip code. Reply HELP for info or STOP to end. 
I have been instructed to never reply to these type messages as this only provides them with notification to continue the harassment. 
I have NOT received any type of notification from Wakefield and Associates identifying any creditors who I am supposed to owe. I have no ideal what this is all about. 
I have printed the messages and forwarded them to my attorney to see what legal action to pursue against this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Army and Air Force Exchange Service
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Navy Exchange ( NEX ), the " XXXX '' onboard US XXXX bases, offers currency exchange for personnel stationed overseas ( in XXXX ) to  pay their off-base rent. However, the exchange rate offered is always 2-3 % less than the Bank Rate for US dollar to XXXX XXXX exchange. 

To offset this, the Navy Exchange provides a {$10.00} gift card for use at the NEX, for each month paid. However, this is inequitable because the gift card is always for the same amount, regardless of the monthly rent amount ... so a single military member with an $ XXXX/month ( equivalent ) rent payment derives more proportional benefit from this {$10.00} gift card than a military family whose rent could be closer to $ XXXX ( equivalent ).

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company, The FCRA gives the company 30 days to respond, I have not gotten a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XX/XX/XXXX and ending on the later of ( aa ) 120 days afterXXXX XXXX ( I ) report the account as current.

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 2021-06-24
Company: Experian Information Solutions Inc.
State: CA
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 currently have a membership wit Experian credit bureau in order to keep an eye on my report, I have a credit card with XXXX XXXX XXXX bank with a balance of {$180.00} according to the statement, we are in a new billing cycle, and the billing cycle hasn't ended yet, and I have new balance reported to Experian .according to the term and disclosure of the card, the credit card will have to report to the credit bureau at the end of the each billing cycle .the new billing cycle hasn't ended yet .and my report change with a decrease of my XXXX  score, when I spoke to the bank, they were not able to gave me an answer.i called the credit bureau and I was informed that it is the bank .I brought this up to the cfpb for a resolution, I believe is Experian because, this is always happened to my car loan account, which is not up to date to. 
in a circumstance like this one what are the recommendations of the cfpb.

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 2023-05-30
Company: BARCLAYS BANK DELAWARE
State: VA
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 opened a Barclay Wyndham Rewards Earner Plus Card in early May with a welcome bonus of XXXX Wyndham Rewards Points after spending {$1000.00}. As of XX/XX/2023, I had spent {$1600.00} which is well above the {$1000.00} required to earn the bonus. Sadly, only the XXXX reward points earned through spending were transferred to my Wyndham account, not the XXXX bonus points. 

I contacted Barclays customer support via phone about the issue shortly after the statement was generated and they told me to wait upto five weeks citing those terms but they did not read the portion above that where it said that the bonus would be reflected in my Barclays account on the billing statement made after I qualified to earn the bonus.

" The bonus points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus points to be deposited into your Wyndham Rewards account. '' from the FAQ on the bonus and reward earn. 

I downloaded the PDF statement for XX/XX/XXXX, after I had made the charges to qualify for the bonus and only see the XXXX points, excluding the extra XXXX I am entitled to. PDF is attached, along with FAQ page. 

Barclay is not honoring the terms of the promotion and awarding the points as needed. Customer Service either does not understand the issue or are unwilling/unable to correct 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 2018-03-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is my service now after they bought it from I'm not sure who. It has gone from service provider and bought out by the next. Anyway I went to school at XXXX XXXX for under two years but am being told I owe Navient {$170000.00}. On a recent statement is says that the money was from XXXX XXXX in the amount of approx. {$78000.00} but now I guess in interest up to the current amount. I have never rec 'd this amount of money {$78000.00} from anyone, not XXXX XXXX and certainly not XXXX XXXX. I have asked every rep on a recorded line about this balance and none of them have any answers. I did agree to start paying on this loan although I didn't agree with the amount back in XXXX or XXXX in order to be eligible to apply for a so-called Obama mortgage program to help people get into a home program that would allow a smaller down payment. I was told that I had to start paying on these loans although I NEVER agreed to the amount. And I still don't. I need some assistance on how this loan has ballooned up to the amount of a home, and how and who rec 'd the principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: ACIMA CREDIT, LLC
State: TX
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Purchased a XXXX  refrigerator from Homedpot in the amount of {$1500.00} Delivery scheduled for estimated XX/XX/XXXX. 
I phone to move up date because I already had a broken refrigerator and lost food. 
New date XXXX no show no call no email no tex rescheduled date XX/XX/XXXX Homepot delivery person called 1/2 hour prior to delivery notifying in route. 
upon unloading a brand new refrigerator from the delivery truck down to the ground he states that it is damaged and I can refuse it. 
My concerned is that I was eating pantry food without a refrigerator for a month. 
XXXX failed to provide the vendor Homepot a on time delivery and a new boxed refrigerator undamaged. 
I also agreed to have the water ice machine connected and in working order. Which was not connected and or is not in working condition.

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 2021-04-19
Company: EQUIFAX, 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 received a copy of my credit repot and noticed multiple fraudulent charges. few years ago while driving working on the road I misplaced my wallet.these accounts are stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: FIRST HORIZON BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used a promo code when opening this account and should have received a {$150.00} bonus. I was informed by this bank today via telephone I would not receive the bonus. I had no choice to contact the bank by phone because they were ignoring my secure messages in the online portal. Please review the following correspondence with this bank in which I was told I would receive the bonus by the end of XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX   EST Good morning, it is now the end of XXXX. Please tell me when I will receive my new account bonus. Thank you. 
XXXX XX/XX/XXXX XXXX XXXX EST Ok, thank you! 
Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We show that you opened your account on XX/XX/XXXX. The promotion on your account will take effect after 3 months if there has been no overdrafts on the account. You are currently on track to receive these benefits at the end of XXXX. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST {$150.00} for new accounts after a direct deposit, thank you Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We would love to inform you about when your bonus will be implemented in your account. However, I will need to know what the promotion was to be able to credit the account. If you will please respond with the promotion we will be able to properly credit your account. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST Hello, Please send tell me when I will receive my account bonus. 
Thank you

Company response to consumer: Closed with monetary relief