BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We got the Citi Premier Card, which had a promotional offer ( XXXX reward points after spending {$4000.00} in the first 90 days ). 

WITHIN the first 90 days, we spent {$4000.00} and called Citi and spoke to a Citi Thank You Points representative, who represented and confirmed that we met the conditions to receive the XXXX reward points and that we would receive the XXXX point after the billing cycle was complete. In reliance of the Citi representative 's representations, we stopped using the card. 

AFTER the first 90 days was complete and the following billing cycle passed, we checked our account and did not receive the XXXX points. When we called Citi, the representative advised us of the complete opposite : that we didn't meet the conditions to receive the XXXX reward points. In fact, the Citi representative told us we didn't meet the conditions by {$8.00}. The Citi representative acknowledged the mistake by the last representative and told us to file a claim. We filed a claim over the telephone. 

We have called Citi multiple times and waited on hold for hours and hours to followup on the claim and have finally been verbally advised that the claim has been denied. We have been given no basis for the denial - and we keep getting the run around. In fact, on XX/XX/2020, after being on hold for 1.5 hours for three times, each time after the Citi representative purposely hangs up the phone - we still do not have any explanation for the denial nor any relief for the fact that a Citi representative told us we met all the conditions. 

I am astonished that a bank can make representations which are completely false and get away without giving its customer the rewards that they promise.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX 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 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}

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 2023-01-07
Company: EQUIFAX, INC.
State: KS
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$230.00} XXXXXXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
There is a collection account on my report that I have no knowledge of. When account was disputed, no details on how the company determined the account is mine XX/XX/XXXX - Dispute opened with Experian XX/XX/XXXX - Dispute opened with Experian XX/XX/XXXX - Dispute opened - letter attached to online dispute with 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 2023-03-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 

XXXX XXXX XXXX XXXX XXXX} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.

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 2023-02-11
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:
I have several repeated inquires on my credit that I did not authorize or apply for credit with this bank on these dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 2023-04-23
Company: Experian Information Solutions Inc.
State: IA
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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.

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 2021-03-10
Company: Southwest Credit Systems, L.P.
State: MA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: OH
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:
My credit report was accessed by XXXX XXXX which caused my score to drop 28 points with Equifax. XXXX XXXX did an investigation and found that I didn't apply and my social was never used. They have no information to show that I applied. The date of the hard inquiry was XX/XX/21. I informed XXXX XXXX and they sent me and Equifax a letter saying it was an error and asked that all bureaus remove the hard I inquiry. I filed a report with the FTC and with this company previously as well. However, Equifax is now saying that didn't receive any documents from XXXX XXXX asking to remove the inquiry and that XXXX XXXX could have it removed electronically. I have been calling XXXX XXXX and have been put on hold for over an hour to be disconnected over 3 times. I submitted every document required by Equifax and they are still not taking my dispute seriously enough to help and XXXX XXXX is even worse. Please remove this unauthorized hard inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately! 

Please investigate and provide proof on how this account was verified. and delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX I contacted the card issuer citibank to close a credit card. I spoke to an individual who informed me to pay off the remaining balance and close the account. I paid off the remaining balance and the account was closed. 

After paying off the remaining balance and closing the account citibank posted additional interest and late fee charges to the account. As the account was closed and was no longer being accessed additional late fees were charged on the late fees and interest was charged on the late fees and interest. 

On XX/XX/XXXX I spoke to representatives from citibank who refused to waive the charges. I was lied to and deceived by the initial representative from the bank. 

This is highly predator behavior to close an account and then proceed to charge the individual late fees and interest on the account.

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 2023-02-11
Company: EQUIFAX, 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:
I have several repeated inquires on my credit that I did not authorize or apply for credit with this bank on these dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
my rights are being violated under 15 U.S. Code 1681c-2 and 15 U.S Code 1681b

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 2018-08-31
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
checking account was used in error for my XXXX truck payment of {$540.00}. I saw the overdraft fee {$36.00}. I held line over 20 minutes spoke to a female associate and her manager XXXX on XX/XX/18 st XXXX. Neither helped. I als spoke to a manager named XXXX at the XXXX, Va location today at XXXX wS no help. 
They can see this is a secondary account & this has never happened before. I also called the Corperate office and spoke to XXXX awaiting a follow up. If this is the way B.B. & t treats its long term customers, Ill clear my balance ; close my account. Ill never recommend family or friends to come here & report this to the news and social media.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2020-09-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2020 Chase advertised a {$300.00} bonus for opening a checking account and {$200.00} for opening a savings account with another {$100.00} bonus. I opened the accounts and they were going to charge me a fee and said I needed to keep {$1500.00} deposit to avoid a fee. I made a direct deposit on XX/XX/2020 of {$1500.00}. I called today XX/XX/2020 and asked where my bonus was. They said I needed to have a direct deposit from my Social Security not just another bank which was news to me. Then the connection started " breaking up '' and went silent when I contested it. I feel their advertisement was fraudulent and now I just want to withdraw my money and close the accounts, but they just hung up on me before I could. 
What is the best way to close the accounts and get my money and avoid fees? 
Thanks so much for your help. I feel I fell prey to trying to get something for free, but they did not make the requirements obvious and now I am " paying '' for it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
MY CREDIT REPORT IS INACCURATE AND SOME INFORMATION IS FALSE. These hard inquiries needs to be deleted off my credit report with TransUnion because they do not match my XXXX or XXXX or XXXX credit report, nor did I authorize the creditors to get access to my credit report, MY CREDIT REPORTS FROM ALL 3 CREDIT bureaus ARE FROZEN. DELETE THE FOLLOWING BECAUSE IT IS INACCURATE - - - - - - - - - - - - XXXX XX/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 XXXXXX/XX/2022, XXXX XX/XX/2022

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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening a bank account but was denied because Bank Of America has me in XXXX  with suspected fraud but I never opened a Bank of America account. Someone fraudulently opened XXXX under my name without my knowledge.

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 2018-08-31
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On the morning of XX/XX/2018, the client, XXXX XXXX of XXXX, CT awoke to find out that this car, a XXXX  XXXX XXXX was missing from his driveway. Upon contacting the XXXX Police, XXXX XXXX was informed that his car had been repossessed during the night time hours. 

Later on the XX/XX/XXXX, XXXX XXXX received a XXXX package that included a notice from Chase that he was past due {$1000.00}. XXXX XXXX called Chase to make arrangements to pay the aforesaid sum but was advised that he now had to pay the entire value of the car, {$31000.00}. 

XXXX XXXX has hired my lawfirm to try to get his car back. Under Connecticut law, the Lessor has to give at least 10 days notice of the default and a cure period before attempting repossession. We have been unable to reach Chase so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: MO
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 have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX  Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2023-01-07
Company: Receivables Management Partners, LLC
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: Reporting company used your report improperly

Complaint:
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. 

RMP Services LLc account # XXXX RMP Services LLC account # XXXX

Company response to consumer: Closed with explanation