BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a bed frame from XXXX XXXX XX/XX/XXXX and when it was delivered it came in an open box with missing parts and missing instructions. I called the store to have them replace the item and they said they would but failed to pick up the item and give me a credit. SO I called my credit card and opened a dispute. When I did this Citi sent me a letter requesting some information and I immediately filled out the letter and sent it back in by mail as this was the only option given to me. During that time I received an email on XX/XX/XXXX stating they have received my letter and would have an answer shortly. The next day XX/XX/XXXX, i was told I did not mail the letter and declined my claim. I called them about it and they hung up on me twice before I was able to have the case reopened. 
I am shocked and disturbed th
at Citi card actually allow merchants to give broken/incomplete items to its customer. I have had to make over 7-8 different calls and send written letters to make my case. This is a perfect example of how a credit card makes it hard to place a dispute, they are not protecting their customers at all. This is a stalling/deterring tactic so consumers can be taken advantage of.

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 2018-03-22
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I have tried to resolve late payments that have been reported on my credit report and they refuse to work with me. I have not been late on payments. I tried to set up auto pay and everytime it would get turned off. I have 3 accounts with them and they also have my name spelled wrong on one account so I don't even know if it mine or not.

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 2021-05-06
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings account package with Citibank while there was a promotion for a {$400.00} bonus if {$15000.00} was kept in the account for 60 days. The bonus was supposed to credit after 90 days. During that period, I contacted Citi to confirm that I was eligible and enrolled, and multiple customer service representatives said I was. After I did not receive the bonus, I contacted them again, and they stated they were " not aware of any promotions offered in conjunction with the opening of your account. '' I faxed them over screenshots of the terms and conditions of the promotion, which do not have a specific sign up code required and state " Customer is automatically enrolled when applying online. '' This matches what the previous representatives said before Citi decided to not honor the terms of the 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 monetary relief
Consumer complaint received 2021-02-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collector has violated my HIPPA rights. The company has bee reporting negatively on my XXXX XXXX and XXXX. I have contacted XXXX XXXX  and XXXX  by letter and certified mail beginning XX/XX/2020, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX and each month thereafter. I have also contacted the hospital and debt collector in which the company has sent me a contract, detailed with my personal information and what medical reason I was been treated for. I have communications regarding certified letters and dates the companies and bureaus and i were in communication.

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 2019-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been actively requesting for verification of a derogatory public record that the credit bureau Experian has been reporting on my credit profile. I have sent numerous certified letters and have yet to receive any compliance in my request. I started the process of rebuilding my credit in XX/XX/XXXX and was told per request that the reporting was accurate. I sent a letter to the United States Bankruptcy Court to verify the correspondence with Experian and received notice by the clerk stating the following " the Courts does not report information to credit agencies ''. This was confusing as I had received confirmation that the reporting was accurate. Feeling discouraged I felt helpless and gave up my efforts to correct this wrong. In XX/XX/XXXX I started the process again felling more determined. I found information that the credit bureaus had been using " Third Party Companies '' to verify my information and not the original consumer. I sent a series of four rounds of dispute letters to both Experian & XXXX requesting verification of the bankruptcy reporting on my credit profile along with copies from the Bankruptcy courts. I also found the some of the names of the third party consumers ( XXXX XXXX & XXXX XXXX ) and sent letters to freeze accounts that I was unaware even existed with my personal information. The last request I sent to Experian for the verification procedure incurred me a letter from, XXXX XXXX, another consumer company that also contians my sensitive personal information. By XX/XX/XXXX i received confirmation from XXXX  that the erroneous reporting was deleted from my credit report while Experian continuously failed to do so. I sent a fifth round to Experian along with copies from XXXX showing that an error was made and corrected by deleting the account from my report. Still Experian continues to claim that they have complied in my request. I will be seeking council if this matter continues and need to have this matter brought to light to expose the wrong that i have endured to protect people from going through the same hardships.

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 2018-04-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have written four letters disputing XXXX from XXXX, Equifax, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Yet again M & T bank is pre-dating transactions ( specifically checks ) with the intention of removing the opportunity for account holder to add needed funds before an overdraft fee occurs. I have an entire folder of proof of this scam. 
I'm a bit of a night owl, I always check my accounts after XXXX, and very very often after XXXX. It's not a matter of the checks going through at a later time. They sit on these transactions, they are nowhere to be found, not even in " pending transactions ''. They lengthy agreement I signed with M & T bank promises the opportunity to deposit funds by XXXX to avoid fees. They hold these checks and do not post them to account ( pending or otherwise ) at least not on account holder end. Their staff maintains they can see them the day before. Even worse. They can see them predated, account holder can not. This is why I take screenshots and save every ATM receipt. 
Just today a check took my account negative. The check posted with yesterday 's date. I checked my account at XXXX, nothing pending. This morning after XXXX, check posted with yesterday 's date and negative account. 
Please let me know where to send the rest of my screenshots, receipts, and other docs I have confirming this scam. I attached only 4 screenshots, I have too many to add all of them here

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 2017-11-29
Company: EQUIFAX, INC.
State: NJ
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:
This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX XXXX. The account was removed from my transunion report but not my equifax. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I had a last minute cancelation at a XXXX XXXX and was charged a fee on XX/XX/XXXX ( {$200.00} ) I opened up a dispute with Amex to remove it, and during this dispute XXXX reversed the fee. On XX/XX/XXXX, XXXX refunded me. On XX/XX/XXXX, Amex gave me a {$200.00} credit pending decision of dispute. 

I told Amex that XXXX had refunded me so they could close the dispute. Amex then reversed their initial credit of {$200.00}. ( XX/XX/XXXX ) Things are now settled. 

On XX/XX/XXXX, Amex issued me a correction charge for the misposted credit for {$200.00}. This is where that took money from me. 

I opened up a dispute shortly after regarding this mis-adjustment. 

On XX/XX/XXXX, they finally gave me credit for their mistake of {$200.00}. ( At this point, things are settled ). 

On XX/XX/XXXX, they issued me another correction of {$200.00}. The issue is still not resolved after multiple attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had a credit card with the Bank of America for decades. The service I have received is excellent. I am a veteran of the XXXX war and a retired XXXX XXXX XXXX and the Constitution is very dear to me. The Bank of America recently decided to distance itself from the XXXX and the provisions of the Second Amendment to the Constitution 's Bill of Rights. I would point out that even before the Constitution was written, the XXXX War could not have been successful because the actions of loyal Americans protected later by the Bill of Rights were in part responsible for the success of that war ; men who volunteered and took their own firearms to battle against oppression by the XXXX  government. I am deeply troubled by this action of the Bank Of America and it is my wish that they reverse this terrible and un-american action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Even though I continuously had insurance on my home, Bank of America decided to put forced insurance on my mortgage even though I have already had insurance.

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 2021-05-06
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:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have written four letters disputing XXXX XXXX XXXX from XXXX and TransUnion. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

Home Address : XXXX XXXX XXXX. XXXX, NC XXXX Accounts : XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX ACCT # XXXXXX/XX/XXXXACCT # XXXXXX/XX/XXXXXXXXXX/XX/XXXX ACCT # XXXX XX/XX/XXXXACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXXXXXXXX/XX/XXXX ACCT # # # # # # # # # # # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Any and all fraud freezes and alerts should be removed from my report immediately, AS I DO NOT want any blockages on my record for any reason whatsoever. I do not need anyone to keep watch over me like a dog! 







Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent Transunion copies of my Driver Licences and social security card, I am not sure why they won't remove the wrong name on my account, This is terrible that I even have to go through any of this. I don't care what anyone else have reported to them. it's not the correct spelling of my name, and I want it removed.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid, and I do not owe this debt and needs to be removed off of my credit.

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 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid, and I do not owe this debt and needs to be removed off of my credit.

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 2019-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
This is an old account that was in my name for 10 years. I closed it in 2016 and was cleared of any outstanding amounts or fees, with an apology from BOA. To this day, it continues to show up on my credit report, diminishing my score. I want it 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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry

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 2021-05-06
Company: Chime Financial Inc
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chime ( XXXX XXXX )  advertises a Credit Builder Card that you deposit funds to and then spend on. This account has never been in the negative as far as I was aware, as the account always appeared funded. Apparently, there was a " Secured Account '' linked to this card that is NOT visible through the Chime Banking App that has been ranking up 100s in charges. I need help determining what I truly owe to them but this seems EXTREMELY predatory. To make the debt not visible, allowing me to think that my " secured '' credit card was funded, and to not show what i " owe '' on XX/XX/XXXX until the beginning of XXXX seems very suspicious. Please help!

Company response to consumer: Closed with explanation