BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened a citi checking and saving acct for this following promotion. 
Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days My checking/saving acct number is XXXX. I have funded this account since opening in XX/XX/XXXX, I have XXXX in checking and XXXX in saving. 
I feel citi has no plan to honor their promotion.I did talk to the Rep when open the acct, and I was assured I will get the bonus, However I didnt. 

This is purely deceptive marketing if citi didnt honor their promise. 

My address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL 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 monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2023-03-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
- have mailed several disputes to Experian that is belligerently refusing to abide by XXXX, XXXX, and XXXX as cited in attached copies of letters sent in XXXX XXXX by certified mail. 
- As shown in their response received XX/XX/XXXX Experian has not provided requested documentation they are required to have evidence of in their possession. Instead they rely on heresay from creditors ( XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX XXXX has gone as far falsifying the date this account was opened ( XX/XX/XXXX ) as a means of continuing to report this account that does not belong to me. Please be aware that I was in XXXX XXXX, NY in XX/XX/XXXX, - These accounts have been disputed repeatedly since XX/XX/XXXX. 
- Experian has also belligerently refused to correct my personal information repeatedly. 
- attached are the documents with statutes, policies, and laws applicably cited and not followed by Experian

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 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then XXXX only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There are  XXXX  address on my report that does not belong to me, I 've never lived at those addresses,  XXXX  is a store front property after my investigation.   XXXX  Someone reported this information to the credit bureaus this month and it was NOT me.   XXXX  This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company ( Ally XXXX ) contacted me in regards to an auto loan I had with them. I explained to the representative that I had made payment arrangements, and I had sent {$1000.00} to them via XXXX XXXX, and I would get the rest to them no later than XXXX because of a family emergency. The representative ( XXXX XXXX ) then used abusive language towards me and threatened my credit rating. As a veteran who has put his life on the line for his country, I feel that I should not have to put up with such dispicable behavior.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I purchased furniture and got a loan from WellsFargo in early XXXX. When the first statement came I tried creating an account online and was not able to. Called the customer service team and they indicated they needed in person verification. I took time off work to go to one of the local branches so they could do the verification. They told me the issue was resolved and I should be able to create my account. Tried creating my account but I was not able to. Waited some more to see if it just need to be refreshed. I tried in several occasions but was not able to. Called on XX/XX/28 to get help, was told a technical support ticket was opened and the issue would be resolved in a few days. Never heard back. When my account is due they sent me an email asking to log in to view important messages. I tried longing in but couldn't. I called their customer service team, spent just about XXXX minutes on the phone with several transfers and holds and the issue was not resolved. I am having a hard time trusting this financial institution with my private information as they cant even resolve their own internal system issues. 

Following WellsFargo guidance of calling, being on hold, going to their local office, calling some more, I have spent hours of my time trying to resolve this issue. I had to take time away from work to get their issue figured out. They should be held accountable.

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 2020-06-18
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I have disputed the validity of this debt and requested verification of this account but there was no response .Therefore I am requesting this debt be removed for three reasons. 1. ) Account not marked disputed in a timely manner. 2. ) Unable to provide proof of this debt, and 3. ) No response to letters of validation. In this complaint there will be documents showing the collection agency received two certified letters. Thanks in advance for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) In 2017 I purchased the vehicle and paid the dealership the required down payment. It took the dealership a week or more to provide me with the final paperwork for the purchase. Prior to receiving the paperwork from the dealership, I learned that the vehicle sustained major flood damage from XXXX XXXX. The dealership never disclosed this information to me prior to my purchase. I returned the vehicle under the XXXX XXXX and was assured by the dealership that this return was within the time frame allowed for the XXXX XXXX and that this return would not affect my credit. XXXX XXXX is now reporting a collection/chargeoff to the XXXX XXXX XXXX XXXX credit bureaus in error. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have made numerous attempts to contact XXXX XXXX as well as the bureaus to remove this false reporting however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I went to the ATM to get 400 dollars off. I had to do 2 transactions for 200 each. I only have a little over 400 dollars in my cash app account. I went to the first atm. And when it went to give me the 200 dollars it said error and didn't give my money. So I went to the ATM beside it and done another transaction this ATM gave me the 200 dollars. I did another transaction which this one said insufficient Funds. I then checked my account and seen that I had been charged for the first transaction. I called XXXX XXXX  number on the atm and they told me that I needed to contact cash app that they had already reversed the money back to cash app. I couldn't get ahold of any number on cash app so I had to use the chat option. Which was no help at all. They had me do some sort of claim. About a week later I get an email saying that I lost the claim and it went in favor of the atm and I don't get my money back. I called the ATM back and they told me that is not the case that cash app had my money and that they did an eft and they was supposed to just reverse the money back to my account. The ATM said all cash app has to do is recognize the reversal and apply it..after about 50 chat attempt and XXXX  emails. They will not give my money back. I've tried I contacted the XXXX XXXX XXXX and told them about everything.. and at this point idk what else to do. I need my 200 $ I've tried since that day to get cash app to resolve this and the atm XXXX XXXX  if u call them they will tell u that they reversed the money back to cash app. Cash app refuses to pay it back to me. They sent an email saying that the final decision was made and I don't get my money back. And the atm said that's cause cash app did an eft when they should of done a reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile.  XXXX. PROVIDES NO DELETE POLICY. See attatched Equifax Credit Report XXXX Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXX.WHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched XXXX XXXX statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched XXXX XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note Equifax Credit Report has XXXX Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} XXXX ending XXXX. XXXX OPENED A XXXX XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. XXXX USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. XXXX REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: CA
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 got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?

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 2023-02-04
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself 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. I never had a contractual relationship with FIRST POINT COLL company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: CA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?

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