BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is Bizarre!!! On XXXX XXXX I opened a Checking Account a Savings Account and a Credit Card with XXXX XXXX XXXX. I linked up with all other Banks and Accounts of mine. I tried XXXX times to do the CITIBANK VERIFICATION OF ACCOUNT. Nothing happens. They ( CITIBANK ) doesn't even get back to you. They are an absolute XXXX XXXX. I have been unable to pay my Credit Card with CITIBANK. I've even sent a transfer from XXXX XXXX to CITIBANK for {$100.00} and it's never POSTED!!!!!! 
They do not even respond to a customer. You call them and your connected to a XXXX  CALL CENTER. Totally worthless. I've never experienced anything like this with any Bank. Citibank is a XXXX XXXX. My Account is in Perfect Order. I've paid all my payments on time. I have PERFECT CREDIT with all 3 Credit Bureaus. That's a Fact.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with Transunion. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, 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 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America offered a promotion for credit card to spend {$1000.00} get {$200.00} credit by XXXX. I met this requirement yet they are not delivering on the terms due to XXXX charge that did not post to the account till XX/XX/XXXX yet the purchase and receipt state XX/XX/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 2023-08-17
Company: ENOVA INTERNATIONAL, 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 information incorrect

Complaint:
The company in dispute is NetCredit. My loan through them started at {$2500.00}. I have never been late, and payments automatically come out of our account every two weeks. NetCredit will not update my account with the credit reporting agencies. My current balance is {$1500.00}. NetCredit keeps reporting that Im at or over my credit limit. Thats nearly a {$1000.00} difference and I want it fixed asap, because its not helping my credit with their false balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Resurgent Capital Services L.P.
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:
I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: ENCORE CAPITAL GROUP 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:
I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NY
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A certified mail was sent to Credit control corporation on XX/XX/2023 to validate the debt. The Letter states the following : Dear Sir/Mam, Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 explanation
Consumer complaint received 2023-12-08
Company: Commonwealth Financial Systems, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I'm requesting a collection from Common Wealth Financial located in XXXX XXXX PA to remove a collection from my XXXX credit report for {$2900.00}. The original creditor is XXXX XXXX XXXX. Back in XXXX I was a victim of XXXX XXXXXXXX and I have a XXXX XXXX against my ex husband. I had to be transported to the ER I believe in XX/XX/XXXX and I paid my ER bill. I never received an ambulatory bill. It's now XXXX and it's showing up on my credit. The XXXX XXXX case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2021-01-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2021 To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 


1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX Thank you, 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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting 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:
I have a personal checking and savings accounts that were opened in XXXX of 2020, and neither of them are showing up on my credit report. It only shows ones that were previously closed before making the ones I have currently. 

I also have been at my current place of employment for 1 year and 8 months, but it shows I have no employment history as well.

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: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/2023 : Opened account on XX/XX/2023 as part of a promotion offering XXXX XXXX XXXX miles upon completion of ( XXXX ) XXXX minimum direct deposits and ( XXXX ) a minimum spend on the card within 90 days ( by XX/XX/2023 ). Promotion code was XXXX. 

XX/XX/2023 : Met the minimum spend requirements on the promotion. 

XX/XX/2023 : Met the minimum direct deposit requirements for the promotion, entitling me to XXXX miles by XX/XX/XXXX ( 30 days after completing requirements ) at the latest, according to the terms of the promotion. 

XX/XX/2023 : Still hadn't received the miles. 

XX/XX/2023 : Emailed customer support requesting the miles. Recieved no response. 

XX/XX/2023 : Contacted customer support by phone. Agent verified I had completed the conditions and said I would get the miles within 5 business days. 

XX/XX/2023 : Still hadn't received the miles. Contacted customer support again. Agent confirmed I had met the conditions and said he would open a case about it. 

XX/XX/2023 : Received account notice that " we are unable to provide the status on fulfillment of the promotion... you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive '' ( the terms and conditions of the promotion offer said I would receive the miles within 30 days, not 90 as this letter claims ). 

XX/XX/2023 : 90 days have now passed since opening the account, and the promotion window is closed. I still haven't received the miles, nearly 60 days after completing the conditions, and after XXXX attempts to work with customer service, so I am submitting this complaint.

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 2020-11-03
Company: Service Finance Holdings, LLC
State: MI
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 cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me. 
I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
UPDATED FTC REPORT. This is my third time sending a Identity theft report from the FTC concerning inquiries that I did not authorized or give the company written permission to obtain a copy of my consumer file in order to obtain credit. I have talked with a few representatives and received several consumer reports with the inquiries still listed as verified. I have asked for reinvestigations and ask for proof that I gave the company any written permission for them to fraudulently obtain my consumer report and the only thing that they tell me is that they are factual and to get in contact with the company. I have done that by calling the company and I get transferred from one person to another just for them to tell me to call the dealership, or credit card company, and it is the same way with them. They can not show or provide proof where I gave them permission. 
They will tell me that whomever I need to talk to is not there, gone for that day, on vacation, gone to lunch, they are with a customer, do not work there anymore, they will return my call, can not find the application, and the list of excuses goes on. I can not get approved for anything because of the inquiries and that is destroying my will being, character, and my mode of living for me and my family. I was told by a representative today that he did not see where I had listed the names of the inquiries that is being disputed in this section when I first disputed them. He said that they do not look at the CFPB, they look at the FTC-Identity Theft form, and for me to state the inquiry and the date, which I did. He stated that in the first dispute this section was blank, and he pulled up the second dispute and read the first line where I stated that it is not a duplicate. I asked for his name and ID number. He gave it to me. I do not know if it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 we called Citizens Bank customer service to pay off BUT NOT CLOSE our Home Equity Loan. Customer Service told us to pay {$8200.00} so we did. She explained ( on a recorded call ) that when we CLOSE the account, we will pay the PAYOFF AMOUNT On XX/XX/XXXX we received a FORECLOSURE LETTER from Citizens Bank for being over 30 days past due on a {$34.00} payment. 
On XX/XX/XXXX Citizens issued a credit payment delinquency statement to all three credit agencies saying we were delinquent on a Mortgage Payment and each of our credit ratings dropped XXXX points and will not recover ( per XXXX ) for XXXX years. 
WE ARE ASKING SPECIFICALLY THAT CITIZENS WITHDRAW THE PAYMENT DELINQUENCY STATEMENT REPORTING THE LATE PAYMENT OR CHANGE THE WORDING SO IT STATES THAT WE WERE FOLLOWING THE INSTRUCTIONS GIVEN BY CITIZENS BANK.. WE WERE UNAWARE THAT WE OWED ADDITIONAL MONEY BECAUSE OUR BALANCE SHOWED {$0.00}

Company response to consumer: Closed with explanation