BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of 2021, I accepted an offer from Citibank to open a XXXX savings account and XXXX  checking account. The offer stated that if I maintained a minimum balance of {$300000.00} in the savings account and a minimum balance of {$200000.00} in the checking account ( for a period of 90 days ) then I would receive a {$1500.00} bonus. I never received a bonus, though twice representatives of Citibank confirmed that the above conditions were met and that I qualified for the bonus. During my second complaint to them, they said they would " escalate '' the issue with the " Promotions '' department but that I would have to wait a few business days for that process to take place. The representative said that I was not the only person that had such a complaint. Obviously, I would like Citibank to be held accountable for false advertising.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. These inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : Personal Loan Date of Inquiry : XX/XX/ Creditor Name : XXXX Type of Business : Bank Date of Inquiry : XX/XX/ Creditor Name : XXXX XXXX Type of Business : Finance Date of Inquiry XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXXXXXX Type of Business : Auto Date of Inquiry : XX/XX/ Creditor Name : XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/ I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

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 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNTS THAT DON'T BELONG TO ME. AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-09-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was not late with my payment for XXXX I have paid every month on time. I even made payments online ahead of time, that were scheduled. I requested for my account to be reviewed as I lost my job for 11 months in XXXX, and they never helped with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was at a bar in XXXX where a gentleman offered me a free beer. They then told me a woman I was speaking to at the bar was an entertainer and I owed XXXX euros for her service, none of which was agreed to. Initially the charge came through as fraud and declined but when none of my cards were going through due to fraud a man took my passport and wallet and phone and threatened me with physical violence. If I didnt pay I would get hurt. They forged my signature. Chase initially reported it as fraud and gave me a new card then changed it to a dispute and denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. 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 2023-07-07
Company: CITIBANK, N.A.
State: NJ
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:
XX/XX/2019 XX/XX/2019 XX/XX/2019 In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states.I have the right to privacy 15 USC 1681 section 6 o 4 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2023-08-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX i have been violated of my consumer rights XXXX, XXXX, and Equifax are reporting a ( Bankruptcy XXXX XXXX XXXX on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the 3 reporting agency XXXX, XXXX and Equifax also pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: MA
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 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 an account without my written instructions.

This account has reported two late payments, which is inaccurate. Ive never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have filed XXXX complaints in this issue. I filed XXXX complaint in XXXX, another in XXXX and another in XXXX. Each time I have asked for proof of verification and methods used in regards to an account that Transunion and XXXX are reporting which is XXXX XXXX XXXX account XXXX, which both they say have come back that is verified and I am shown on it as a co-signor. I have also asked for paperwork bearing my signature and proof of this verification. The information I received on XX/XX/XXXX was not only a copy of my report and a letter, no actual proof of verification as I have asked fro XXXX  times already. According to the FCRA credit reporting from all three bureaus has to be 100 % accurate and factual. There is no way any proper investigation has been done, and I have attached my credit report from XXXX  and transunion. Once I provided this information to XXXX the account was removed. First error is that this account is reporting as past due, but to be past due I must have set up an active account with a set payment date and I must be over XXXX  days late on an agreed payment to have a past due balance, so I have never had XXXX. Because I am listed on this account as a cos-signor I asked for this proof as I have reported the account as fraudulent, and have have yet to receive any. I never made any type of agreements or signed any paperwork stating so this information is false. Also upon review of transunion and XXXX  reports+ attached is some of the information that is conflicting. I have attached this information. 

XXXX.On XXXX  This account is reporting that I was on XXXX  months terms but shows past due as of XX/XX/XXXX, and has been reporting as past due since XXXX of XXXX, and on the same exact report shows my highest balance as XXXX XXXX My transunion report shows a high balance of XXXX. Clearly this information is inaccurate. 
Obviously I can not have a high balance XXXX from transunion and a high balance of from XXXX  of XXXX XXXX 

XXXX. I have also attached my transunion report which shows conflicting dates the account was open on XX/XX/XXXX and XXXX  states XX/XX/XXXX. So who is right? How can the same account be reported open on XXXX separate dates? This is also Clearly inaccurate. 

XXXX. XXXX shows this account should be on record unitl XX/XX/XXXX while transunion shows this account should stay on record until XX/XX/XXXX. This also shows great disparity amongst the XXXX. 

According to the FCRA the information provided on the account from XXXX XXXX is innaccurate and not 100 % true and this account is to be removed for that reason.

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 2022-12-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've been trying to get XXXX, XXXX, and Transunion to correct multiple erroneous accounts that they have attributed to my credit file. I recently submitted a FTC Complaint to them in an attempt to resolve this ongoing issue. I've yet to receive a remedy that will correct this issue. Now I am reaching out in order to get this resolved and get these erroneous accounts that are listed on my file removed. I want all these accounts removed from the various reports at XXXX, XXXX, and TransUnion.

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 2021-09-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I did not give consent nor benefit from. These inquiries are causing me emotional turmoil because of the amount of stress it is putting me under. Inquiries are preventing me from getting a new home during these tough time. I filed a FTC report backing up my claim that these inquiries are fraudulent and need to be blocked/ removed immediately. According to law You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2018-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I am writing with regard to a collections account I have with Portfolio Recovery Associates.  They are based in XXXX, VA. The alleged debt is from a XXXX XXXX account that was opened XX/XX/XXXX and charged off XX/XX/XXXX. I have no recollection of ever having a XXXX XXXX card. I have sent several letters and three letters certified mail requesting verification from PRA and have only received one communication containing some statement copies and the charge off notice from XXXX XXXX. They have not provided any record of the account opening or an original agreement with XXXX XXXX. I never received any initial communication from them and only learned of this account when I got my yearly credit report. Furthermore, the address shown on the XXXX XXXX documents is one I have never lived at. My correct address has been on record with the Massachusetts Registry of Motor Vehicles since XXXX. I have disputed the incorrect address with the credit bureaus and it has been removed as inaccurate. I have tried disputing this account directly with the credit bureaus but they allege it is accurate. I'm unsure how they can confirm the address is inaccurate yet confirm an account that has that address listed as mine. Also on XX/XX/XXXX, this account was completely removed from my credit reports. It then reappeared around XX/XX/XXXX causing my score to plummet sixty points. In addition to that, it was listed as closed on my XXXX  report but open on XXXX and XXXX. As of XX/XX/XXXX is shown as open on all three. I have not received any written communication from XXXX, XXXX, XXXX or PRA informing me the account had been put back on my reports. This is the only negative mark on my credit report and all my other accounts are current with a perfect payment history. 

I am also receiving XXXX for XXXX XXXX and XXXX, as well as medical issues including a XXXX XXXX. This has been causing me a lot of XXXX. I have recently moved and will be starting college again in XXXX after a two-year absence due to the above XXXX  and XXXX   health issues. I would like to have this resolved so I can move on and better direct my efforts on improving my health and education. I was hoping I'd be able to handle this matter myself, and have been trying since XXXX of XXXX but to no end. If needed I can provide copies of the documents PRA sent, the delivery confirmation and copies of the three certified letters, a verification of XXXX income, and enrollment in school. I hope you may be of assistance in resolving this. I am submitting a complaint with the Massachusetts Attorney General 's Office as well. Thank you. 

Most sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When the Collection initially hit my credit report, I called and asked for an itemized debt breakdown. They said they would get back to me. I hear nothing for months, even with multiple callbacks. This was in XXXX of XXXX, If I recall correctly. 
In XXXX of this year, I finally sent an email that it was against the law not to provide a copy of the itemized debt. Then I did not hear a response again for over a month, so I submitted this to all three credit Bureaus. XXXX and XXXX removed it due to the breach of law with the documentation I provided. Even though they breached the law, they keep reporting to XXXX that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Stenger & Stenger, P.C
State: MI
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:
I attempted to contact the original debt entity during the beginning of the pandemic for payment plan assistance, and they flat out said nothing was available. Their website clearly says that during the pandemic we are here to assist 24/7 a complete lie When I attempted to contact them today, I was transferred to a law firm who now represents this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
please remove all the information FCRA violations : See ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family MR- XXXX XXXX XXXX XXXX XXXX TX , TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$13000.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$9600.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5300.00} Status Account charged off. {$4900.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$7800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX ASSOCIATE Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$780.00} Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative

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