BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2023 - I went to Lowes to buy fencing. I see advertising for their store card saying 20 % off your first order on your Lowes credit card. So I decide to go home so that I can unfreeze my credit in order to apply for the card. I apply for the card and all it says is 20 % off your order. I am immediately approved for the card. I put all the items into my cart and check out using the discount code emailed to me. The email is my temporary card details and says in big font 20 % off. Nowhere on the email does it say there is a limit on the discount of {$100.00}. The limit of {$100.00} was not made expressly clear anywhere throughout the process. 

Had I have known there was a limit of {$100.00} I would never have opened the card or used it to pay for the items. I would have used one of my other credit cards that has actual benefits and points. This now means I opened up a credit card I did not want, was not advantageous and has falsely advertised the benefits meaning I missed out on really benefits of a card I already own. 

XXXX  - I called Lowes credit to complain about this on receipt of my items and seeing that I was charged the full price less {$100.00}. They told me that the only thing I could do is drive to the store that the items were ordered from ( quite far away ) and see if they could possibly refund me the whole amount so that I could pay on another preferred card. I call Lowes customer service and they said it was unlikely that this is actually possible as the order has been already fulfilled.

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 2022-07-06
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my XXXX credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again XXXX, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact XXXX made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. XXXX information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from Equifax, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Professional Finance Company, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. 

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me. 

It is my strong concern that I may not actually be financially responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one. 

In relation to being a previous victim of fraud, I find it most concerning that your agency is not licensed to collect debt in the state of Nebraska, making your attempts and credit reporting illegal and punishable by fines and criminal penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: CT
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 am writing to formally dispute inaccurate information on my Equifax credit report, which I initially contacted Equifax about on XX/XX/XXXX. To date, I have not received a response from Equifax. I am seeking correction of the following inaccuracies and necessary corrections : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} ) : This account has never been late. Please rectify this incorrect information on my credit report. 


XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : This account has never been late. Please correct this inaccurate information on my credit report. 


XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} ) : This account is not mine. Kindly remove it from my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$400.00} ) : This account is not mine. Please remove it from my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$800.00} ) : The information on this account needs review. I recall the original creditor as XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX. The reported balance of {$800.00} is higher than I remember. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$5600.00} ) : The information on this account is imprecise. I only recognize the original creditor as 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; the collection agency reported is unknown to me. I do not agree with the Balance of {$5600.00}, as it exceeds my recollection. Consequently, I dispute the entire account and request verification of Date Opened, Date of First Delinquency, Date of Status, and First Reported. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) : Due to incorrectly reported data, I request verification of the XXXX XXXX account. I am uncertain about the accuracy of the {$1700.00} balance, as I do not recall owing such a high amount. Your agency reported this account as closed and charged-off, so the Past Due amount should not be provided. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed to prevent further negative impacts on my credit score. Additionally, I request verification of Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
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:
Hey hope all is well I viewed my credit report and seen that there was an inaccurate collections accounts being reported on my profile Ive never open this account and its being reported inaccurately i know its an violation under FCRA to report inaccurate information on ones credit report please remove from credit reports immediately Thanks. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A judgment was levied against me after credit card debt was sold from MBNA to Bank of America, and I was XXXX XXXX and on XXXX XXXX XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX   XXXX, this judgment should not have been rendered in the first place. 
This judgment occurred sometime in late XXXX. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against MBNA and Bank of America. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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 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 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I talked with several creditors and most gave me the run around and a couple, a couple of creditors actually said that they're sorry and that they will remove the inquiries and reach out to the bureaus to remove the inquires off of my credit report other creditors are telling me that they don't see anything about me or about my name being used to apply for credit with them but yet these inquires are on my credit report. some creditors are telling me to call the credit bureaus and i told them the credit bureaus are telling me to call the creditors now I'm calling the credit bureaus for a second time and telling them what the creditor are telling me now he credit bureaus are telling me that they cant remove the inquires to call the federal trade commission agency and i called them to tell them what the creditors and the credit bureaus said and the credit bureaus told me they cant remove inquires to call the federal commission agency so I called and they're telling me to call CFPB and now here I am typing this letter on this website, this should no be this difficult, its so easy for some reason for people to breach other people credit and credit reports but so hard for the people who are breached to get their credit and life back and very little to protect us i know some organizations helps us but other play the role but still get a check. I just need some help or do i need a lawyer or what??? this is exhausting. 

Bank of America date of inquiry XX/XX/2022 XXXX, no action taking they told me they don't see me in their system by name nor by SS # and told me to call the credit bureaus. 

XXXX XXXX XXXXXXXX date of inquiry XX/XX/2022 XXXX, no action taken, the phone system told me I'm in line and my wait time is 78mins the 78mins past and they called back but I'm still on hold for an additional 49mins and still counting while I'm typing this note. 

XXXX XXXX date of inquiry XX/XX/2022 XXXX, XXXX. action taken they were helpful and kind but still check on my status please. 

XXXX XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helping and said they will reach out to the credit bureau XXXX date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helpful and also said that they will remove the inquiry. 

XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they said they will look into the matter that is not enough information for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi owes me and is wrongfully withholding {$450.00} from a transaction dispute. This dispute is still open TODAY, well after the 90 day limit to resolve disputes, and they dubiously reversed my conditional credit without ever notifying me in an attempt to get me to avoid noticing! This is extremely misleading and unethical!! 

On XX/XX/XXXX, I disputed a transaction totaling {$450.00} that I am still owed. A conditional credit of the full transaction amount was issued to me. 

On XX/XX/XXXX, Citi closed my dispute in the merchants favor without even asking for any evidence. I did not even have the opportunity to upload any proof or evidence pertaining to my dispute before they resolved it. 

On XX/XX/XXXX ( 122 days ago ), I complained and reopened the dispute detailing all my evidence of why I am entitled to a refund. Per law, Citi needs to close the dispute within 90 days. 

Today, on XX/XX/XXXX, my dispute status still says that Citi is reviewing the details of the dispute well beyond the time frame. I also discovered that they quietly reversed the conditional credit even though they reopened my dispute I was never notified that the credit was reversed, and only saw it when checking my monthly statement for XXXX ( it does not even appear in the mobile app ). 

Their mobile app still shows that my dispute is unresolved as of today, and it also doesnt even show the credit reversal in my digital transaction history, which is extremely misleading and it is clear they are trying to be sneaky by reversing the credit hoping that I dont notice. They also emailed me a note this morning with a flat out lie saying they sent a notice on XX/XX/XXXX of my dispute resolution which I never received, and they were not able to actually show me the note or any proof of delivery of that note I was not able to get in touch with anyone on that note even after trying to contact them, and no one from their team is able to look into it or help. DO NOT BANK WITH CITI THEY STOLE MY 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 2020-12-30
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It's still showing that im late since XXXX i am currt at the company doesn't want to fix anything they told me i have to go through this website. It is negatively effecting my credit and i do not appreciate it at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Account information incorrect

Complaint:
The have sent multiple letters to the credit reporting bureaus ( TransUnion, XXXX and XXXX ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.

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 2023-04-08
Company: NRA Group, LLC
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me XXXX XXXX XXXX XXXX XXXX, at this moment this crooked debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.

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