BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: CITIBANK, N.A.
State: ID
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/2021 : Opened Citi Priority Checking and Savings accounts using the link on the {$700.00} promo ( promo screenshot attached and welcome email attached ). 

XX/XX/2021 : Accounts fully funded with {$50000.00} by XX/XX/2021. This money has been left in the accounts this entire time ( as of today XX/XX/2021 ). ( screenshot attached ) XX/XX/2021 : Contacted Citi inquiring where my {$700.00} was. I was told that I had successfully opened the accounts and funded them by XX/XX/2021, and maintained balance for 60 days and was eligible for the promotion. I was told I would receive it 90 days from the XXXX day from XX/XX/2021 ( which is XX/XX/2021 ). I was specifically told I would receive it well by the end of XXXX. ( screenshot attached ) XX/XX/2021 : Contacted Citi again and they apologized that the bonus had not been applied and raised a dispute ( XXXX XXXX ). They said the investigation could take as long as 5 business days. ( screenshot attached ) XX/XX/2021 : Contacted Citi again, having received neither the bonus nor any response on the dispute. Was instructed to call an XXXX and give my dispute R number. ( screenshot attached ) I called this number and spent 10 minutes trying to get to a representative. It was not a number to a dedicated dispute department but rather was just a general customer service line and I could never get out of the automated AI person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
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: Account information incorrect

Complaint:
I sent my letter last month on XX/XX/2023. I told the credit bureaus to investigate every information on the accounts I have listed below. Also, I have attached the letter I sent out. 

According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, all information on these accounts is still not reporting 100 % accurate. According to the FCRA 15 USC 1681- everything has to be 100 %. I have the credit report showing the inaccuracies. 

Listed as follows- XXXX- not mine- not verified! must be removed! 
XXXX  XXXX XXXX-Account # XXXX not verified/ not accurate- must be removed! 
XXXX not mine/ not verified! must be removed! 

Inquiries- Must be removed- never approved by these companies. 
XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
By XX/XX/2018 - I paid Bank of America VISA card approximately {$25000.00} to bring the balance to a negative - {$210.00}. 

I not only paid the card off in full, I overpaid by over {$200.00}, and they owed me money! 

My limit on the card was approximately {$39000.00} - and I held the card for almost 20 year, with consistent payments. 

The same week I paid several other credit cards down by approximately {$20000.00}. These payments caused my credit score to go up. 

On XX/XX/2018 - AFTER this BOA card was paid down to - {$210.00}, I phoned to ask about balance transfers. I told the agent, XXXX, I did not want to formally apply for a transfer, I was just getting information to make a decision the future. He said I could call back when I decided. 

Yet, on XX/XX/XXXX BOA closed my Visa card, stating balance was " too high. '' It was not " too high, '' it was negative - {$210.00}. 

In addition, I had another recent problem with BOA. An agent on the phone had set my Autopay up several months ago. But, the auto pay was set incorrectly, so one month it was {$14.00} short. I did not know it was {$14.00} short, so then that little {$14.00} short, became 30 days late. 

I called BOA on XX/XX/18 and the rep XXXX was rescinded the 30 day late notice to credit bureaus and credited the late fee. Her BOA submission number XXXX and was approved on XX/XX/18. But, I had to wait 2 billing cycles for this BOA error of autopay to clear off of my credit score, and therefore suffered, due to BOA 's error. 

In addition, since I am publishing this to other readers, when my purse was stolen, BOA was the only credit card customer service I could not get on phone to report the theft. They did not care, and every time I called, the wait was almost an hour, just to report a stolen card. 

In summary - the action I demand - is that BOA reopen my account, so my credit score is not impacted negatively. I do not want my credit report to state that BOA  closed my account for a " too high '' balance. I can prove the account was XXXX on the day they closed it. I want to close this account " at customer 's request, '' and have all BOA 's false and negative reporting about my " too high '' balance scrubbed from my credit report. 

they also have not sent my credit balance of - {$210.00} back to me, and I have called several times.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this mutiple times with exsperian. They attached my credit report without permission. My daughter placed me as an authorized users without me knowing, not using my social. She removed my name and the credit cards company sent a letter stating that it was removed. Exsperian still refuses to remove it from the credit report or change status.

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 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello CFPB, I 'm writing today to report issues with   XXXX   accounts negatively reporting on my transunion and  XXXX  credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company  's I s ubmitted investigation request to were    XXXX    and Transunion.     For accounts being reported by  XXXX   XXXX   XXXX  and   XXXX   XXXX   XXXX .      The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I hav e 11 miss ed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.

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 2022-03-22
Company: ACIMA CREDIT, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had gotten sick from XXXX which lead to me being out of work, i missed a payment with this company one time after several other positive encounters and payment history. I wasnt aware of the missed payments because I was sick and incapacitated to the point where I couldnt see for myself and it is being held against me although the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 and 15 USC 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C. 1692 designed to eliminate abusive, deceptive, and unfair debt collection practices. In addition, the federal law ( 15 U.S.C. 1692 et seq. ) protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Ceannate
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Currently having my wages garnished without due process. Collection agency, FMS did not send any notices prior to sending my employer the " Wage garnishment order ''. When calling FMS to verify, they told me the notices were sent to an address I lived at ten years ago! The company requested information ( which I faxed, with proof  ) t o verify my demographic info : Lease, driver 's license, proof of mail, bill statements, etc. Only for them to say, " they did not get the fax '', a month later. Called to request the debt validation information as well as my 30 day notice of wage garnishment from FMS. Spoke with "  XXXX   XXXX  '' of FMS who refused to send me copies of those letters. He refused and was no help. Stating that the demographic information was given by the  Dept of Education . Then I called the department of education who claimed they 've been sending letters to the old address as well! My address has always been updated. Even if they 've managed to find my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Accurate Background
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Accurate Background willfully perjured themselves before the Bureau in relation to an open investigation, and willfully submitted false information that is contradicted by actual public records- which was and will be again submitted to the Bureau. I have a pending case with disposition 11.07 Writ of Habeas Corpus Filed. This is public records- online. It will be attached again- though I question whether the employees at Accurate are simply illiterate as opposed to willfully perpetrating a federal felony by perjuring themselves before the bureau. The case is not disposed - as Accurate continues- in defamatory conduct- to lie to the Bureau claiming that the case is disposed. Its not. No amount of lying in Accurates past due response - showing such great disrespect to the rule of law - is going to change this until the case is actually disposed by an actual judge - not by corrupt employees of a rogue company. The case file will literally be submitted again to the Bureau. Pictures and documents do not lie. I offer to teach the employees at Accurate how to read English- which seems to be extremely challenging for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my XXXXnd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 : {$0.00} XXXX XXXX XXXX XXXX  : {$1500.00} 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 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 2023-05-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 2023-01-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
To whom it May Concern, I XXXX XXXX XXXX Has Not Been Able To Retrieve Not One Cent of My Money, Not Even with My debit Pre-Paid Card or Any Debit Card, and My Rewards Cards As Well, in XXXX, My Identity was Compromised misused caused by Identity -Theft XXXX XXXX Crimes, Dark Web, and as Well as. Company 's, Businesses, Groups, Teams, So Called Friends, Family 's, and Etc. 
I never Not Once Gave No Authorization for No One to Act On My Behalf, I do not Like doing Nothing Online, I like Doing All My Banking In Person Only! 
The Fact These Thieves Closed My WellsFargo Account in XXXX around XX/XX/XXXX As Well As My XXXX XXXX, date : XXXX XX/XX/XXXX ), That The IRS XXXX Provided Me To Get A XXXX XXXX Account, as of Today I'm Not Able To Withdrawal Not One Cent of My Money, also I know I'm Entitled To WellsFargo Wrong Doing, Where someone transfered My Money Out Of My Account, matter of Fact I work as A XXXX, Playing XXXX XXXXXXXX XXXX Games as Gig-Jobs the Fact I've been a XXXX for Literally 26 Yrs.

I Invested Every Single Dollar not ever Thinking That I Would Have For the Rest of My Life!

But Now I Don't and I'm In Need of Getting Some of My Money Back, the Fact I have To Live as Well as Anyone on this Earth, I have More Bank Accounts, as well As XXXX XXXX Account, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX also Just to make this Clear I'm Not From California, Never Have Been and Never Will Be from California, I was Born in The USA XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX And Current Bank Account Online, XXXX XXXX XXXX XXXX  Account, XXXX XXXX XXXX and A Whole Lot More! 
To Whom It May Concern as well as My XXXX Accounts, XXXX Accounts, XXXX XXXX Accounts, XXXX Wallet Accounts, XXXX XXXX Accounts, XXXX XXXX Accounts, XXXX Accounts, XXXX Account, XXXX Accounts, all My XXXX all XXXX XXXX XXXX, My Bank Accounts, Internationally Also I Live in XXXX XXXX XXXXXXXX And My Cellphone number is : XXXX XXXX Also I Know I Was A Consumer who hasn't Received Not One Cent From wells Fargo Online Banking and In-Person Thankyou!

Have A Great Evening!

God Bless.

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 2022-12-13
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund of {$20000.00} from Great Lakes Education on XX/XX/XXXX and was told it would take between 30-45 days to have my refund processed. I have called on two occasions since then ( In early XXXX and also on XX/XX/XXXX ) to ask for updates but have not been able to receive any substantive information. It has been over 3 months now and I am concerned that my request is not being taken seriously, as I know others who have received their refunds in a much more timely manner. No update has been provided on their website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
State: NJ
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:
XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: FIRST MERCHANTS CORPORATION
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: Information belongs to someone else

Complaint:
Hello, I have been Seriously Scammed a few times by people I have trusted, However, these people had sent me bad checks and I had cashed them not knowing they were bad and I was punished for it by my Banks and it was not my fault! It shut my bank accounts down and the cashed checks that were bad went on my credit report. The amount is so high I can't remove it, and I have no help from anyone. I am on long term XXXX and have been for over 25 years, I just wish to get mt XXXX XXXX straightened out, I know I will never see that scammed money to pay the banks back which totals {$21.00}. 
Warm Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: LA
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:
I made several attempts to rectify items found on my report that were due to identity theft and/or inaccuracies. I sent a copy of police report as well as a copy of the errors. 
There are inquiries I did not approve, accounts that are not mine and personal information that is not accurate such as addresses and/or employer. 
I explained it is pertinent that they rectify these issues due to the negative effect it is causing my credit worthiness with obtaining government contract for much needed services.

Company response to consumer: Closed with explanation