BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: CITIBANK, N.A.
State: OH
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/2019, I contacted Citi because I did not receive my credit card bonus for signing up for an Aadvantage Card at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see, the link says you are not eligible for the bonus if you have had the card in the previous 24 months. 

After not receiving my bonus offer, per the terms of the website which Citi controls, I contacted Citi because they had not honored the advertised offer. 

Citi advised I was ineligible because I had opened and closed a business card within a few days. I advised this was not the case. I was instructed to contact the fraud department, which I did on XX/XX/2019 when I spoke with XXXX. The fraud department determined I was correct, that I never opened a business account and closed it within several days. I confirmed the same to Citi. 

On XX/XX/2019, Citi said they would have the issue promoted for review. 

On XX/XX/2019 Citi conceded to me in an email, that I would receive the XXXX bonus miles, per the language of the offer on the website, within 2 billing statements. 

On XX/XX/2019, having not received the bonus, despite Citi advising they would deposit the miles, I contacted Citi inquiring as to why. 

Citi advised I was ineligible to receive the bonus because I had a previous card opened within 48 months, which is contrary to the information and language posted on Citis website, at the link above, which I relied upon when signing up. 

I advised Citi of the previous email I received, but Citi refused to honor the language in their own offer, after Citi had already conceded I was correct in the XX/XX/2019 email. 

All I am looking for Citi to do is follow through with what they told me they were going to do, after I spent countless time going over this issue with them. 

At this point, I feel defrauded.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2019-12-15
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Zales had agreed to close account and yet continues to sell the closed account to other collection agency, persists in reporting old debts with updated activity dates, and persist in threatening me with garnishment, and continues the illegal practice of Re-aging a settled debt.account has been closed since XX/XX/2016 and continues to reage this settled debt as updated and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: CA
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:
A current report from Experian is reporting a XXXX XXXX XXXX paid collection that was deleted from my credit file back in XXXX XXXX2017 and now it has been added back on to my file with Experian. The CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ).

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 2022-09-22
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}

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 2022-05-25
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A suit was entered in WI XXXX XXXX for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been 10 yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i told them the late payment is not accurate XXXX also 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 2019-12-15
Company: Atlanticus Services Corporation
State: IL
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:
Fortiva Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the Fortiva Fraud Dept. the account was closed with a XXXX balance and would be removed from my credit report by Fortiva Customer Service department. The account is closed but still being reported as delinquent. According Fortiva the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: CA
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 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Received new credit card with first statement balance due XX/XX/XXXX. Set up bill pay on XX/XX/XXXX. Noticed on XX/XX/XXXX that payment did not happen and submitted manual payment for full statement balance. Received a {$25.00} late payment fee plus {$73.00} in interest fees. Have never made a late payment, always pay statement balances in full, gold preferred member, and have {$75000.00} in cash in my BoA account. Called in and neither CSR or supervisor would waive interest even though bill pay should have made the payment in full and that I have never had a late payment or interest charges on an account with BoA.

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 2019-12-15
Company: SYNCHRONY FINANCIAL
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 have a Belk Credit Card. My complaint is as follows. 

Aproxamitely 6 months ago I recieved a new Belk Credit Card and the old one was canceled without my knowledge or consent. 

The new credit card kept giving me issues, and even though I'd call and activate the card it would still read as not activated. 

When I tried to use the card, I was locked out of the card and had to do verification with a picture to Synchrony. 

Then I was automatically disenrolled from paper billing to paperless billing. When I did not recieve a bill in the mail I became late on a payment. I immediately called, made a payment and reported the issue to an associate. 

The associate stated that they fixed the problem however I was still not recieving mail. This occurred 3 months ago. 

Without any letters in the mail, email or as much as a phone call. I get a hit on my credit report saying my account is passed due. I call them to find out I am past due 30 days on a {$4.00} payment. I immediately make a {$50.00} payment and when I inquire as to why I was never notified they stated I was still paperless in billing. They said that they would investigate. 

I login to check my account and find out that my credit card is still not activated online or that it's been deactivated. Also I find out that they changed my credit limit to the amount that was due on my card, making it appear as if my card is maxed out on my credit report. They cut the card by half on the credit limit. 

This was very upsetting. I believe that due to being on the service member civil relief act, that this is being maliciously done to me by Belk Credit Services. They have never notified me, emailed me, or as much as given me a phone call. 

I would like to remove this from my credit report and will be closing this account and paying whatever I owe them in full at the end of the month. I have had this line of credit with them for years, this only occurred after I requested my benefits for the 0 % interest rate. I will be taking this up with JAG as well to see if I can pursue any legal action if an investigation actually gets conducted by them. 

Everytime I call to inquire, somehow it's my fault they never reached out to me. I have multiple accounts with many other companies this is the only one I've ever had problems with. Also to add today I called them again and they say they just sent me a letter stating my credit limit was getting cut in half even though they already have cut it and this is being done after the fact. I believe it's to cover up a mistake that was made on their end.

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 2022-09-22
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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are.

I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15U.S.C.Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts XXXX XXXX XXXX : Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report XXXX XXXX XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXXXXXX XXXX  XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX : Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. 
Could you please send it to me Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2019-12-15
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been transferred a few times until landing with LoanCare/XXXX. Upon getting the mortgage the mortgage was due the first of each month with a 15 day grace period and then a late fee would be applied after the grace period. At first LoanCare was fine and then after a few moths they started charging me {$10.00} to make the payment online. That is {$120.00} a year extra they are charging me. I am on XXXX and a fixed income and this is a lot to me. When speaking with them they said its not a late fee but an administrative charge. I am being charged to pay my bill? I have NEVER had a mortgage company charge me to make a payment to them. This must be illegal. I went online and saw others too were experiencing the same issue as myself. I am extremely frustrated and feel like I am being taken advantage of. This company has worked around a way to charge people money each month to pay extra even if it is before the mortgage is considered late.

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 2019-12-15
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2019 I received a letter from XXXX XXXX  XXXX XXXX advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called SageStream , LLC. My credit score based on XXXX  was XXXX and according to SageStream was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use SageStream LLC then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I ensured, I had a XXXX dollar balance by calling the credit card company, Barclays, associated with the frontier airlines credit card that I had gotten on a promotional offer. 

Today I logged into my account just as a good faith measure and so I had {$8.00} charged on my card looking at it. It was a total of two sets of {$3.00} of interest, and then a {$.00} late fee. 

There was no balance left on the card for there to be a reason to encourage charge. I reached out over the phone and after gently asking why there was a charge. I was put on hold for a couple minutes and then the person came back and said oh well wave itno big deal. 

I allege that this is an example of the way the Barclays is fraudulently charging customers to make more money. 

Customer service has always been very helpful but the rest of the process with this card using it having to login to portals that dont make any sense has been incredibly stressful and I regret getting this 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I did not do business with these companies. Please remove everything, including these other accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX FUNDING Date : XX/XX/2020.

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 2023-12-17
Company: M1 Holdings Inc.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I changed a linked checking account for the XXXX XXXX use. I then requested a withdraw from my XXXX. After several days of it showing as pending, I contacted support. They advised the withdrawal is frozen because then need to verify ownership of the newly linked checking account. I was never notified of this need until I reached out to support. 

I then provided support with a bank statement proving ownership and they provided a confirmation number in their document portal. During this time, the bank also accepted a P2P transfer depositing funds from the newly linked checking account without issue. After two business days, the withdrawal transfer still did not complete. I then received an email from them stating that if I dont upload the document ( already had been done ) the transfer would be canceled. I called support, who stated the withdrawal transfer would be completed by the end of the business day. It did not complete, and I still am unable to withdraw my funds from this account.

Company response to consumer: Closed with explanation