BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: CITIBANK, N.A.
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:
I have a 30-day-late mark on my credit reports from my ( closed in mid-XX/XX/2019 ) Citi AAdvantage Platinum Select World Elite Mastercard ( XXXX XXXX XXXX XXXX ). I had not used the card for all of 2019, and had the {$95.00} annual fee post on the card on XX/XX/2019. I called Citi in late XXXX/XXXX  XXXX before it was due to have the annual fee taken off and the card downgraded to the fee-free ( AAdvantage MileUp ) version. 

When I spoke with the representative, they explained the change process, and understanding it would take some time, I specifically asked when the {$95.00} annual fee would be taken off. I know that sometimes it takes a couple billing cycles before an annual fee or other charge is removed, so I specifically asked do I have to pay the {$95.00}, or will it be taken off before it is a problem? I was told by the call center representative that the fee would be taken off ASAP, and t

hat I did not have to pay it or do anything further. Because of this, I obviously never paid the {$95.00}, having been told it was going to be removed before it affected me, and thus got a late mark on my credit report. I think it is self-evident that, having always paid on time with Citi and every single other bank ( zero late payments on my credit reports other than this one ), I did not pay it because I couldnt
afford it, I only didnt pay because I was specifically told that I did not have to. The {$95.00} annual fee was the only charge on the card at the time ; there werent any other charges for the entire year of 2019. I also have a letter sent to me by Citi ( see attached ) that clearly states I scheduled the card to be downgraded to a fee-free version on XX/XX/2019.

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 2021-06-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went to my local Best Buy store to purchase a tv. I found what I was looking for and I ask the associate to help me with the transaction and use my existing credit card to pay. Because I did not have my credit card handy, I asked him to pull my credit card using my social security and DL. While in the middle of the transaction, he asked me to validate my address and asked me to enter my income. It was wired, and I did ask why income was asked, and he stated it is normal. No disclosure was handed to me, and I did not doubt that he was applying additional credit card. He said it done, and he need to scan the item. I asked what was he doing all the time, and he said he was making sure I was approved. I stated that I did not ask to apply for credit card, I asked to use my existing card. He said, this should affect my credit and because they are not running my credit report. I stated that that is not the case, and I told him I did not need additional credit card, and he stated that he did not see the existing credit card the first time. But I did not give him permission to apply a new credit card. He said I can keep it, it wont affect my credit history. I told him I need to be removed, he handed a phone number and stated that to call Citibank and speak to them. I called not once but twice to complain what happened, and they all blamed me as it is my fault. How is possible that I get blamed, when I dont see the person applying credit card behind a screen that is not visible to me. I ask this credit card to be removed from credit report kindly.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: PA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00}

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 2021-09-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to make a Complaint with this Company I dont owe this company XXXX XXXX XXXX {$1100.00} They have the wrong person and Ive never heard from this company up until this year XXXX when I checked my Credit Report they opened collection in XX/XX/XXXX without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX has broken several laws and has ignored all consumer debt collection rights. I have received several calls after the set time of statute of limitations as well as trying to reach out in regards to XXXX XXXX robo signing my name for some agreement that I am unaware of terms. Please see cases 1 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County District Court XXXX ) XXXX XXXX XXXX vs. Our ClientXXXX ; XXXX County Justice Court XXXX, 2 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County Justice Court XXXX. Ive tried to dispute the collection as they are not my creditor and since ive been harrased by them so many times I would like the collection removed. A dispute took over 35 days and still not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
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 explanation
Consumer complaint received 2023-03-13
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: SC
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:
To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete ) Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( inaccurate please delete ) Account Name : XXXX Account : XXXX PAST DUE BALANCE : {$1100.00} ( inaccurate please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.

Sincerely,

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 2023-11-09
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXXXXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2017-11-22
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I recieved a credit alert that my synchrony XXXX account was past due on my credit report. This account was on autopay so it should not have gone past due. The last {$28.00} was never deleted from my account. I also never recieved a call or notice that I was past due.

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 2023-09-05
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am filing a complaint because I believe that Bridgecrest breached our legally binding agreement and violated my rights have been violated under the FCRA. I had a loan with Bridgecrest for a XXXX XXXX XXXX and I purchased a GAP insurance policy with a company also owned by Bridgecrest. I was involved in a car accident on XX/XX/XXXX that resulted in the XXXX being deemed a total loss. I know for a fact that on XX/XX/XXXX XXXX paid out the claim to Bridgecrest. On or about XX/XX/XXXX I was told by an agent of Bridgecrest that the remaining balance would be paid out by my GAP insurance policy. In XXXX of XXXX I was made aware that the GAP policy had only paid less than half of the remaining balance and that Bridgecrest immediately charged-off the remaining amount without ever making any attempt to collect on the debt or notify me that any balance was left. I was lied to by the agent and my policy that I paid for did not pay out what I was owed. This has done significant damage to my credit and has defamed my character to banking institutions and lenders. It makes me look as if I dont pay my debts, even though the debt should have been paid in full immediately after the accident. I was denied a bank account due to this inaccurate reporting and my reputation has been tarnished with this institution. I am asking that Bridgecrest be made to honor the contractual agreement that we made and delete this inaccurate account from my credit reports. If this matter is not resolved quickly, I will be seeking legal action against Bridgecrest for Defamation of Character and Breach of Contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last communication with EXPERIAN they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

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 2021-09-19
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Back in XXXX I noticed charges a couple of times a week that I did not make. After doing my research i figured out that Someone was using my American Express card to purchase food through the XXXX XXXX. After contacting American Express and explaining to them the situation they said they would open an investigation. There where 7 transactions that were totaling over XXXX dollars. The fraud department then emailed me a form which I filled out with the dates and the amounts that were charged. They advised me that they would look into the fraud and let me know and that it could take up to 45 days which was fine. All I wanted was my issue resolved. After contacting them the customer service representative advised me that they decided they were not going to return the fraudulent charges. Ive dealt with American Express for the pasa 10 years and they have the worse customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/23, I checked my account to see the balance. At that time, I had a positive account balance. On XX/XX/23, I received an email notification of an overdraft. When I logged in to my account, a fee has already been charged. I contacted Fifth Third to ask that the fee be waived as I would have brought the account positive prior to a fee if I had been aware. They maintained that a notification was present in their system on XX/XX/23. I explained I had not received this and my first notification occured after the fee had been charged. They declined to waive the fee based on this internal notification that I was not sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Try to have them update the info placed on my credit report. They are not updating information on a timely 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 explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 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 an account without my written instructions.

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Experian

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 2023-08-02
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I went to Kroger to do a cash back transaction for {$5000.00} to make a purchase, after swiping my card I was informed they didnt have enough cash on hand so they would be giving me {$2500.00} in cash and returning the remaining {$2500.00} to my debit card via refund. Fast forward to XX/XX/XXXX at XXXX XXXX  a refund from Kroger is posted to my account and immediately after it was deducted showing debit merchant credit hold adjustment I contact XXXX and they claim they do not hold funds and that I should reach out to the merchant. At that time I reached out to the merchant and reached out to XXXX with both on the same recorded line so that they could speak with one another since I was being referred back and forth with Kroger saying its my bank and my bank saying its Kroger. At that time Kroger explained to XXXX  at XXXX that they are not holding funds and once a refund is released they cant take it back so it is obviously a bank error and they provided us both XXXX XXXX  and I with the authorization code for the refund. XXXX is still adamant they arent holding my funds which have yet to be released so at this point no one knows why or whats going on and arent able to tell me what the hold means or whats its for or why this is even happening! This has put me in a very dangerous situation as I am now stranded out of town because that money was being used to purchase a vehicle and Im in a rental that I dont have to funds to continue to pay for while 8 months pregnant and with my 6 other children. I have requested supervisor and escalations and no one has yet to contact me or get this issue resolved! I have provided the refund receipt and they have the authorization code and have confirmed all this with Kroger as well but still nothing has been done to release the refund hold. I need immediate assistance with 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 explanation