BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023, I went to Best Buy located on the XXXX XXXX XXXX XXXX XXXX XXXX to purchase various items. While inquiring about an application for a credit card that can only be used in the store, the representative filled out an application and informed me that I qualified for {$5000.00} of credit. I specified multiple times that I wanted this card for the 10 % reward promotion on my first purchase, which is why I bought {$4900.00} worth of merchandise that I urgently needed for work. When the representative completed the transaction, he informed me that instead of a 10 % reward, I would receive only 5 % and that not all items qualified for the promotion, despite initially stating that all items did. He offered me two options - 12 months interest-free or 5 % reward- and I chose the 10 % reward. However, he then informed me that I could only apply for the 5 % promotion and that it was interest-free for 12 months. He assured me that I would still receive all the rewards for my first purchase even if I paid everything before the 12-month period. I asked him twice to confirm this information, and he said it was true. I believed him and made the purchase. 

On XX/XX/2023, I contacted customer service about a defective item and asked about the reward information. The representative informed me that I would not receive any rewards because I had chosen the 12-month interest-free option. I explained the situation to every employee I spoke to in hopes of getting some assistance, but none of them could help me. Their solution was to return everything and redo the transaction, but I would no longer qualify for the 10 % promotion. This is unfair because I went to Best Buy specifically for the 10 % reward promotion.

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 2023-01-29
Company: EQUIFAX, INC.
State: NC
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:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Bank of America took over the servicing of my home equity line of credit from LaSalle Bank. When the line of credit was just prior tomaturity they offered me a pre-approval on the refinancing of the home equity line of credit. I stated that I was going to be selling the home and I was assured that I was only going to be responsible for a {$600.00} pre-payment penalty if it was paid off within the first year. I agreed to the terms on their recorded phone conversation and proceeded to submit all the necessary supporting documentation. At that time my credit scores were well in excess of XXXX on all XXXX major credit reporting agencies. I was assured as a XXXX customer of over 30 years that I was fine. They sent a letter out 45 days later with a statement saying that they declined the refinancing due to the home being recently being listed on the XXXX. I began receiving collection calls from them immediately after this even though I was making timely payments the entire 10 years I had this account until payoff. The B of A collection representative 's response was to put me in contact with someone about loan modification. I was not interested in loan modification. I had kept every creditor paid timely during the Great Recession and was surely not interested in what many people were doing at the cost of others. I immediately dropped the price of my home {$100000.00} and sold it days later. Bank of America was notified from escrow that they were being paid in full and they were. They reported me as a delinquent payee on the account to all XXXX credit agencies with total disregard. Had I not been deceived into thinking that I was approved for the refinancing, I would have had the time to make other payoff arrangements prior to the credit line 's maturity date. I had the capability to do just that but the time consumed by their mortgage department to notify me of their decision negated this possibility. They have not cooperated in anyway to correct the situation that was caused by their attempt to sell me a new loan. Currently, their negative reporting of my account places me into a higher cost of obtaining credit. Is this their tactic? I hope the CFPB looks into this practice. Bank of America never lost a dime on my account. They never had late payments. They yielded in excess of {$100000.00} in interest while I lost another {$100000.00} to protect my credit. The very credit they profit from by getting my credit score lower.

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 2018-10-02
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting 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 2023-07-05
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-12
Company: United Revenue Corporation
State: TX
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:
THIS IS IN RESPONSE TO COMPLAINT XXXX AGAINST THE COMPANY UNITED REVENUE CORP . I'VE TAKEN A LOOK AT THE RESPONSE AND THERE ARE STILL MANY PROBLEMS. UNITED REVENUE DID NOT SEND ANYTHING BACK TO VALIDATE THAT THEY ARE LICENSED TO COLLECT DEBT IN THE STATE OF TEXAS BECUASE ACCORDING TO XXXX XXXX XXXX THEY ARE NOT. THEY ALSO DID CLAIMED TO HAVE MAILED ME DOCUMENTATION BUT I NEVER GOT IT. IT WAS AN OPPORTUNITY TO ATTACH ALL RELEVANT DOCUMENTS TO THE CFPB COMPLAINT, BUT THEY DID NOT. AGAIN, PLEASE SUBMIT THE REQUESTED INFORMATION VIA THE CFPB PORTAL. IF YOU CAN NOT EXPLAIN WHY THE ORIGINAL CREDITOR IS REPORTING A DIFFERENT BALANCE AND PRESENT A LICENSE TO COLLECT IN THE STATE OF TEXAS THEN PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY BEFORE I AM FORCED TO TAKE LEGAL ACTION AND I WILL BE SEEKING {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are several bankruptcy on my credit however This is impossible I filed a XXXX XXXXXXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every 8 years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently questioned a bankruptcy on my credit report and requested the source of this information ... .The United States bankruptcy court sent a letter saying that they do NOT furnish information to credit bureaus ... .Experian is reporting INACCURATE INFORMATION ( NOT MINE ) THE FURNISHER OF THIS INFORMATION has not given them the correct person this item belongs to and I am requesting they DELETE this inaccurate information from my credit report ... ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021, I sent disputes to the three bureaus about unauthorized use of my credit report. I have yet to hear back from them 30 plus days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Navy federal credit union has violated mutiple consumer rights and created a deceptive form to confuse consumers and undermine the laws put in place to protect consumers. 

FACT : On XX/XX/2022 I, XXXX XXXX initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION ( NFCU ) when I completed the credit application and gave NFCU my credit card and allowed them to extend me credit. 

FACT : On XX/XX/2022 NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given/loaned to me by NFCU and not extended. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NAVY FEDERAL CREDIT UNION XXXX NFCU ) failed to disclose to me my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU failed to disclose to me a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning. *reference [ EXHIBIT A ] FACT : I never borrowed nor was leant anything from NFCU FACT : NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit. *reference [ EXHIBIT A ] I, XXXX XXXX XXXX that all of the information provided herein, under the penalty of perjury that the information I so affirm to be true and accurate to the best of my ability and knowledge, so be it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a new checking account with Citibank after finding an ad for a bonus promotion ( # XXXX ) for depositing a minimum dollar amount in the new account. The promotion in my case was {$700.00} for depositing at least {$50000.00}. On XX/XX/XXXX, I transferred {$51000.00} into the newly opened account. As per the terms of the promotion, I transferred {$47000.00} out of the account XX/XX/XXXX, months after I had kept {$50000.00} in the account for the obligatory period. I left {$4000.00} thereafter to the present day. 

I have met the qualifications for the bonus, but Citibank has not applied it to my account. I called three times to confirm that my account qualified for the promotion, and was told each time that it did. The Citibank support agent told me this today by phone : You have met all the requirements for the promotion. The agent filed a complaint on my behalf. The account is in good standing, exactly six months after I funded it. 

It is notable that Citibank sends no confirmation of the bonus sign-up with new account information. All information I've obtained has been from company support agents.

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 2020-09-22
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
Debt was initially created in XXXX for {$1000.00} as a collection by XXXX XXXX. I did not have contact with the debt collector. The original debt was removed in XXXX and then sold and new debt collection agency re-aged the account to show as if it was a newly created delinquency. The " new '' collection for the original debt of {$1000.00} was reported to my credit as opened in XX/XX/XXXX by National Credit Adjusters. I have not had contact with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXX number - XXXXXXXX XXXX XXXX XXXX  / account XXXXXXXX XXXX XXXX XXXX  account : XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX/ account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX / account : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX  / account : XXXX 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 2021-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have a prepaid card from Bank of America that I get my XXXX payments on. My card info was stolen and on XX/XX/2021 someone was able to withdraw {$900.00} out of my account. I contacted Bank of America within minutes of it happening because I received a text alert and explained to them that I was at home with my card in my purse and I did not do that transaction nor have I ever let anyone else use my card. I filed a claim along with a police report but they are refusing to reimburse me. This has been devastating for me and I really need help resolving this matter and getting my money back.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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. XXXX Account Number : XXXX & XXXX XXXX XXXX  Account XXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. This is causing great stress and greatly affecting my ability to buy a home for my family.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not want to have this erroneous information in my 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 non-monetary relief