BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: CITIBANK, N.A.
State: AZ
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:
This complaint is in regard to a Citibank credit card that can be used anywhere but is also a card you can use at XXXX. We earned last year the amount of {$25.00} in rewards and were notified sometime in XXXX or early XXXX about the rewards. We were supposedly sent a reward certificate in the mail but never rec 'd it. After reviewing our account, we asked about it and received it via e-mail and then rec 'd another duplicate. Anyway, today XX/XX/19 went to XXXX and made a fairly large purchase and presented the coupon. It took them forever to enter it as no bar code, we held other customers up and were finally told the reward was not good and another one had probably been issued. I called XXXX in Citibank customer service and explained to her that she should just credit the account like my other cards do but she could not do that, she said she would send an updated certificate but never rec 'd that via e-mail. Anyway, I want the account credited for the {$25.00}. I mean this is about the worst system there is for giving customers credit for points earned. This small amount was earned last year and here it is XXXX and still no credit. I'm having to waste time on this, we held other customers up today at XXXX and I really don't want to present another " coupon '' that does not work. XXXX can do better than this.

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 2020-08-07
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX In XX/XX/2020 XXXX offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for XXXX, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed 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 2021-10-26
Company: Experian Information Solutions Inc.
State: MN
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:
Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$220.00}, {$110.00}, {$79.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$180.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$890.00} The first dispute letter I have sent to the credit bureaus was on XX/XX/2021. The following month after XXXX, I still see information on these items that are reporting inconsistently. For one, I have disputed XXXX XXXX with the credit bureaus and debt collectors. However, I still see information reporting erroneously. XXXX XXXX XXXX XXXX, for instance, the date of last activity is reporting on different months which is no possible way the accounts were paid on 3 different days. 

I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this 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 non-monetary relief
Consumer complaint received 2021-11-27
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

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 2020-08-07
Company: Bread Financial Holdings, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I ordered a 16x12 gazebo from Wayfair. I paid for the gazebo with my Visa debit card In the amount of {$3700.00} and {$550.00} on a Wayfair credit card which only had a {$600.00} limit. Roughly two days after placing the order, it was cancelled by Wayfair because the item was no longer in stock. I in return ordered the smaller gazebo 12x12. My Visa  debit card was credited {$980.00}. A few days later my Visa  debit card was changed again {$2900.00}. I was informed by a supervisor that instead of Wayfair refunding my Visa card for the original 16x12 gazebo I ordered, the refund/credit was given to the Wayfair credit card that only had a {$600.00} credit limit. She apologized and said I needed to contact Comenity Bank. I have spoken with Comenity Bank who also confirmed that Wayfair credited my Wayfair credit card {$550.00} six times. I was told by ( Supervisor ) XXXX XXXX and someone from Comenity Bank that I would receive a refund in 3-5 days. We were on a three way call that I had to give authorization that it was ok to do. I waited over a week and no refund. I spoke with several other Supervisors who assured me that after the finance team reviewed it that I would receive my refund. I also spoke with ( Supervisor ) XXXX XXXX on XX/XX/2020, who also said and sent me a detail email on how I would receive my refund. After no refund and multiple attempts I called again on XX/XX/XXXX and was told by another Supervisor that I needed to file a dispute with Comenity Bank because in her experience there was nothing that they ( Wayfair ) can do once the credit has been sent to Comenity Bank. She said that she would follow up with me once the finance team reviews it and as of today XX/XX/XXXX, I have not received a email or call. I have also filed a dispute with my bank which is XXXX XXXX. This was done on XX/XX/XXXX by phone. I also over a week later have not heard anything back from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 16th 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 XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC 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 2021-10-26
Company: Advanced Resolution Services Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belonged to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH , XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXXplease remove any other spelling or variations of my name they are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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 customer service

Complaint:
Citicards is a Racist company that refused to call me back. They obviously dont care about XXXX people and I will complain on XXXX again. XXXX charged me for {$47.00} on XX/XX/XXXX, I asked them to refund me. So the vendor XXXX gave me a refund for XXXX on XX/XX/XXXX. Then XXXX went against the charge XXXX Voluntarily gave me and charged me in XXXX for {$47.00}. So my charges dont add up, I am back down XXXX. Please refund me!!! They are racist and their racist customer service promised to do investigation and they never did.

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 2021-09-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is my final warning against American Express! I have been harassed continuously after my cease and desist and denial of alleged debt which was received by American Express XX/XX/XXXX, proof attached below. American Express claims they validated the debt but all they did was send statements. They never sent the original contract with my signature. 

Furthermore, American Express committed several violations of 15 USC 1692e when they sent false representations to my address through attorneys/lawyers of XXXX XXXX XXXX XXXX 

American Express also violated 15 USC 1692e ( 8 ) as they have failed to record my debt as disputed which clearly warrants a lawsuit. Attached below is proof through a copy of my XXXX report. 

Attached below is my default notice to American Express, they can consider this as a final warning before me and my legal team take action and commence legal proceedings against American Express in Small Claims Court! 

These files have also mailed to American Express Executive Office via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I sent an ACH transfer for XXXX $ from Bank of America to XXXX XXXX for closing costs of an escrow payment. XXXX XXXX says they do not accept ACH transfers, only wire transfers and state that the funds were rejected and returned. Bank on America was contacted on XX/XX/2020 and stated that funds would be returned in 3-5 business days, as long as they were rejected by XXXX XXXX. After waiting 3-5 business days, the funds were not returned and Bank of America opened a claim. XXXX XXXX was contacted and never returned our calls nor when Bank or America reached out to them. We contacted our escrow officer who states that XXXX XXXX has trace numbers showing the ACH transfer was rejected. Bank of America says they don't see any proof that the funds were rejected or returned. After 45 days, Bank of America says the claim is closed and they are no longer able to help us and that we should contact a lawyer. XXXX XXXX says " they verified with FIS back in late XXXX that the return was processed and sent to the FED on XX/XX/2020 which is when the trace number was issued and if Bank of America is claiming they have not received the credit, they will have to reach out to the FED and ask for assistance '' " Our central ops representative also replied on XX/XX/2020 to a fax sent by XXXX XXXX from BofA ACH recall/acceptions regarding this return and have not heard back from them. In my response we provided XXXX with the timeline of the transaction and the trace number. '' We called BofA claims department on XX/XX/2020 with this information and they state they have not received any information at all from XXXX XXXX and they do not know who XXXX XXXX is or where the information was sent.

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 2020-08-06
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow Inquiry My new escrow payment is {$960.00}, however, my total for taxes and insurance is {$7600.00} and spread over the year for monthly payment is {$630.00}. This is a {$320.00} difference and over a year it is {$3900.00} extra in funds. Where are the extra funds allocated? I need an accounting of the extra funds allocation. I have asked repeatedly for an accounting for the extra funds paid with no response. Also, the mortgage company overpaid the property tax. See the attached documents for the payout amounts and the property tax statements.

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 2020-08-06
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
Was not notified of status of the debt, to be able to try to resolve, until it impacted my credit report, and had to reach out to Find out what the debt was for. When I was made awear of the debt I call to resolve it. If I could have been aware of the debt initially I clod have been able to resolve it prior to it impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
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 : 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 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 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 2021-02-21
Company: EQUIFAX, INC.
State: MS
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 received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; File XXXX Merchants XXXX  - XXXX XXXX XXXX, Merchants XXXX  - XXXX XXXX XXXX I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 reached out to TransUnion to remove these item XXXX and XXXX and wont remove them Also, because I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume, that no proof of the alleged debt, nor therefore any such debt in fact, therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX 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 2020-11-18
Company: BRite Financial Services, Inc.
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 information incorrect

Complaint:
Brite Financial loan company has been paid in full due to insurance claim/loss, company continues to report to collections as account closed and not paid in full. Account has been pain on time and in full.

Company response to consumer: Closed with explanation