BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: IL
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX 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 an 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 conviction 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 2023-03-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Citi Premier card on XX/XX/2023 with a promotional bonus of spend {$4000.00} within 3 months to earn XXXX Citi ThankYou points. While I opened the card on XX/XX/2023, I did not receive the physical card in the mail until XX/XX/2023. Additionally, I was not given the option to have a temporary card number or to add the card to my digital wallet, therefore I could not use the card until it arrived on XX/XX/2023. 

My spending eligibility period ends 3 months after account opening, on XX/XX/2023. However, since the card did not arrive until XX/XX/2023, I didn't truly have 3 months to spend on the card, therefore I feel that the promotion is misleading. I requested an extension in XXXX after receiving the card, and was told to call back nearer the end of the period. I also called again on XX/XX/2023 to inquire about extending the bonus spending period beyond XX/XX/2023 to account for the lost time, but a supervisor did not seem to follow the request or was not offering to do so. 

As of writing ( XX/XX/2023 ), I am {$460.00} short on the spending requirement, and won't be able to meet it by XX/XX/2023. As it will be too late by the time this request is responded to, I would ask for a courtesy XXXX points once I have met the {$4000.00} spending requirement within 3 months of receiving the card.

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 2019-08-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I've tried to get my Money back at several Money Gram locations here in XXXX, TN, but unsuccessful. My Money Gram references are # XXXX and XXXX for a Total of {$690.00}. The locations were Walmart ( two different locations ) and XXXX XXXX ( Orig. location ). This process has been going on since XX/XX/2019. I was trying to send Money to a girl that I know in another country, but trans. was cancelled for some unknown reason on there in ( Money Gram ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been trying to repair my credit ... I was struggling with debt after a divorce and was trying to get my credit back. I had been working with a CCC to settle my debt. They did not.explain that they would first XXXX out cards and make me seriously late before they settled ... and now I pay Equifax to help me monitor my credit and it shows me it is XXXX and I have them to send it to my back for a home loan and they send them XXXX. I NEED XXXX to get my builders loan to build my home ... and now I am 54 points below where I need to be ..because I was being told by Equifax and XXXX that I had a score of XXXX and it is really XXXX. I HAVE A SNAP SHOT SHOWING WHAT IT IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a Discover card and fell behind on the monthly payments this year due to income decrease. The late payments and past due amounts were posted on my credit report and my credit score was affected. They then posted that the account had been closed. I began receiving nonstop calls to pay. In XXXX on the XXXX XXXX, I received a phone call from them and they offered me a payment plan that would be low interest and {$83.00} for 3 months and it would wipe out most of my balance. They told me to make the first payment of {$83.00} on the XXXX and that I didnt owe another payment until XX/XX/XXXX and thats when the direct deposit payments would be withdrawn from my account. I explained I wasnt sure I would be using that account to make payments every month and they said I can always call in and make the payment. I agreed and gave them access to my XXXX account and made the first payment as scheduled on XX/XX/XXXX. I had explained to them I was trying to repair my credit and I had already paid 1 card off. My payment plan or my payment never has showed up on my credit report. Instead, the day I made the payment, they flagged my account as 150 days late. I called them and they told me to be patient and it will show up. So a month goes by and its still showing the same thing. Then XX/XX/XXXX I get an email from my XXXX account stating my account is overdrawn and when I looked it up, Discover took {$83.00} that I didnt have in my account after the agreement stated that payments wouldnt start until XX/XX/XXXX. I called Discover and spoke to an agent by the name of XXXX, her immediate statement was that my account was in the process to be charged off and that I should contact an Attorney unless I make the past due payment or make payment arrangements. I asked her what is she talking about? I already did all of that and made my first payment in XXXX and that regular payments were not due yet and why did they withdraw money I surely didnt have and ruin my checking account!? I told her they have defaulted on their end of the deal by not updating my credit report, the only part they updated was {$83.00} payments. The rest is flagged 150 days past due and no payments made since XXXX of XXXX. Then they are stating my account is still getting charged off despite my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: MI
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 have made effort after effort to contact Equifax ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received. 


I AM FILING THIS ON MY BEHALF, I DO NOT HAVE ANYONE OR ANY CREDIT REPAIR CCOMPANY HELPING ME! THIS IS THE THIRD COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally bank sent me promotional email Want a cash bonus up to {$500.00} on XXXX XXXX XXXX 
In order to receive 1 % cash bonus, I have to enroll my account in promotion, move new money, and keep new money through XX/XX/XXXX. I enrolled my Ally saving account, moved {$30000.00} from external bank and kept the balance. Ally sent me email stated Im enrolled. 
My account is in good standing, but I still do not receive {$300.00} bonus, which should be paid on XX/XX/XXXX. 
I spoke numerous times with Customer Service by phone, opened case # XXXX in XXXX, and finally received message from Ally on XX/XX/XXXX. 
Please read attachment. It takes more than 1 month to tell me that the issue is still investigated and there is no resolution end date. 
I hope this complaint can help me to solve the problem.

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 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a previous debt with bank of America, I paid debt which was over a year or so ago. I have a letter stating debt was paid, but I'm still getting denied by XXXX which I would like to open a new account. I have called on a few occations but they keep saying they will look into it! I paid the debt so it shouldn't be no issue removing me from the 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 2023-03-29
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXXXXXX XXXX XXXX XXXX claimed that equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXXXXXX XXXX XXXX, who found in my favor. 

Since then, the supposed " debt '' has been passed on to two different collectors, and every six months or so I have been forced to send them all the information by registered mail, along with a request for them to supply the information on how they determined the validity of the debt ( as is required by law ). this request is always ignored and the debt collectors resell the bogus debt.

Attempts are currently being made by Sequium Asset Solutions who have been informed of the invalidity of the debt, and asked, again, to provide their attempts to determine said validly.

They have refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020 XXXX XXXX shut down my frequent flyer account. After filing a complaint with the DOT, XXXX XXXX cited the reason was " These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' This language was not present on the mailers I applied through. I have had numerous Citi AAdvantage Platinum credit cards over the years and non of my applications contained any 48 month restrictions. All the miles in my account which were awarded through Citibank were confiscated. Representatives at Citi have suggested I reach out to XXXX XXXX, but XXXX XXXX has not been helpful in coming to a resolution. I would like Citi to either get my miles back which were awarded as part of my credit card sign up bonuses or admit that I did nothing against any bonus eligibility restriction rules.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have contacted Experian, XXXX and XXXX about XXXX XXXX reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with XXXX, and that my rights have been violated under XXXX. 
Additionally i am allowed under XXXX XXXX TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that XXXX does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting Experian, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and XXXX AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES

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 2020-09-23
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, XX/XX/XXXX, I was notified by my credit monitoring company that I had a new negative account on my credit report. The information listed Afni, Inc. and shows a balance of {$1200.00}. I contacted Afni. First, I spoke with XXXX who proceeded to tell me that I had several unpaid XXXX XXXX XXXX mobile and internet accounts and provided me with the amounts. I informed her that I had never had XXXX XXXX XXXX services so there must be a mistake. It was not until AFTER disclosing information did she confirm my identity and that I was in fact not the owner of those accounts. She then transferred me. 

I was then transferred to XXXX who told me that I have a XXXX mobile account for purchased equipment and leased equipment. She then asked if I would like to settle the account. When I told her no, I felt as though she became rude. I was not provided with an account number or any information other than it was from XX/XX/2018. I have had XXXX for years. So she explained I would need to complete a fraud packet. 
She also told me that her company had just received the account on XX/XX/XXXX. 

Outside of the HORRIBLE customer service and lack of information this company provides, I should have been notified about this so called debt. Afni received the account on XX/XX/XXXX yet made NO attempts to contact me regarding this account prior to placing it on my credit report. It is standard practice to contact the debtor and provide them with 30 days to respond or dispute the debt. Afni did  NOT. They clearly received the account, held it for 30 days with NO communication at all then placed it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX in credit reports is a violation of federal law, its illegal to have it on there. 

XXXX. My court cases are not lines or credit or credit based, those should not be on my report thats also a violation of federal law. 

XXXX. I did not go through with bankruptcy, my attorney had me file but we cancelled it before it could be finalized so clearly I never went through with it. They just decided to add things to my report in 2023 from years ago that is trying to sabotage my report and XXXX suing Experian for it. They are trying to mess with my life and I wont stand for it XXXX bringing them up on fraud charges, the information is not credit based and should not be on 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief