BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: MO
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 regarding an Experian dispute report that was resulted on XX/XX/XXXX. 
XXXX XXXX XXXX , XXXX appeared on my credit report in XX/XX/XXXX with an unpaid/past due balance of {$520.00}. I have no knowledge of this charge. None. I have not been contacted by phone, email, or mail regarding this charge. This appears to be a debt collection agency. I am reluctant to personally engage with this type of people, and believe this to be a fraudulent charge, as the original creditor is listed as XXXX- a payday loan company?! I am a XXXX  with an exceptional credit rating, and have never used this type of service. 
I filed a dispute with Experian and today received a notice that this will remain on my credit report as, The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please see your report for the details. 
Experian did not share the details of the so called proof. How can I dispute something of which I know nothing? I pay a monthly fee to Experian for monitoring and help with this type of issue. What a disappointment.

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 2020-04-26
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I contacted Synchrony Bank twice and negotiated a settlement for a balance owed on an old Amazon card account as well as JC Pennys. I fell on hard time, became XXXX   and lost my job. As soon as I received a new position, I took care of the debt. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.

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 2020-07-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The issue at hand is the re-evaluation process for credit limits with Citi Bank Credit cards. 

in general this complaint is to address the unfair practice of report pulling to reduce credit limits.

This practice creates a cyclic problem for consumers due to the following : Card 1 : had a XXXX limit in XXXX of XXXX Card 1 : was reduced to XXXX in XXXX of XXXX, just XXXX dollars over balance. 

this drastic reduction significantly raised utilization and inversely decreased credit score for having over 95 % utilization, thus raising risk factorization. 

Card 2 : had a XXXX limit in XXXX of XXXX Card 2 : had a XXXX limit in XXXX of XXXX,, about XXXX dollars above balance. 
Card 2 : had a XXXX limit in XXXX of XXXX, about 200 dollars above balance. 

Requested the balances be reinstated by citi bank, citi bank responded with calling XXXX  credit reporting. 
Also, using the automated " increase request '' was denied, system stated balances can only be increased every 6 months. 

This predatory practice of lowers limits just above balances is damaging to consumers because there is no control metrics to in place that protect the consumer. Credit score Hemorrhaging affects not just credit cards, but housing and employment opportunities as well. 

example of existing issue : Citi see a score change, Citi reduce limits Citi increase utilization to almost maxed out, score decrease significantly Citi see dramatic score change, Citi reduce limit threshold just above balance again. 
again, score lowers, and the cycle continues.

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 2018-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A year ago in XXXX I received multilple offers on a credit card that I recently had to continue on a program of 0 % interest. I walked into the bank to talk to a representative about this offer that seems too good to be true. They told me that it was a great promotion and also recommended that I open a second card with a 0 % interest as well to help consolidate debt from other cards. I did as advised which also meant maxing out the new credit card and taking the remaining balance as pocket money. 

Months ago I noticed that all the payments I have been making have barely made a dent in my balance. I called to discuss these insane interest charges on a charge that I dont use. The representative on the phone told me about these interest charges and I explained that I was told there wouldnt be any. She insinutated that I took money out and pocketed it when I explained I was advised in all steps to do as the financial advisor at the bank told me to do. She was no help to me and berated me for my debt. 

I still accure charges of interest on purchases without purchasing. These charges are 50 % of my payments made and are creating more debt. I was falsely mislead in their promotion and thought I was being advised in the direction of debt relief. I have never had a more debt accruing credit card in my history.

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 2018-07-30
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:
And I was notified by Equifax of my information being breached during the security breach they told me they dont care so need to settle out of court or we can go to court. 
The amounts wrong account information is wrong days delinquent is wrong I reported it is filed on bankrupcy they didnt care court date is XX/XX/XXXX they said they dont care I filed dispute by phone online and by mail here it is months later so has to be removed by law. they said they dont care I said on some of the hard inquiries there was identity theft they said the dont care contact the company they said that they dont have me on file so nothing to dispute so contact the credit reporting agentcy then Equifax refused to deal with the Identity theft, problem I have reported it on the CFPB proper page of identity theft problem but have not seen or heard from them at all. 
And the dates reported was after filing bankruptcy cort is not till XX/XX/XXXX and both were notified already. 
XXXX XXXX Needs Attention Last reported : XX/XX/XXXX {$620.00} 30-59 Days Late Overview You've paid off -30 % of the original amount. 
Balance {$620.00} Highest Balance $ 482 Monthly payment {$87.00} Opened XX/XX/XXXX ( 3 mos ) Term 7 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status 30-59 Days Late Worst Payment Status No Info Account Details Account status Open Type Unsecured Loan Responsibility Individual Remarks Fixed rate Times 30/60/90 days late 0/0/0 See an error?

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
THIS IS NOT A DUPLICATE REPORT AND CONTAINS ANOTHER LETTER FROM EQUIFAX DEMONSTRATING THE CONTIUNUED NEGLIGENCE AND ISSUES. 

Equifax once again sent the enclosed letter, twice in fact, stating that they need the information that has been supplied to them DOZENS of times. This includes the information I provided the CFPB that should have been forwarded at the same time in my last complaint. 

The letter - attached - clearly stated that they would block the information that is fraudulent should I provide the information that was provided to them ALREADY that generated the complaint. 

It is CLEAR that this is a CANNED letter and no agent is actually reading the information that is sent to them, as it contained every specific item that the letter asked for - often multiple times- in XXXX plus attachments sent to them. 

The agency continues to " kick '' the issue down the road to vendors who care little about the issue of fraus and simply want to force someone, including the victim, to send them monies. 

As a victim of fraud, clearly shown in law enforcement, FTC complaints, CFPB complaints, and multiple letters from other vendors showing how widespread the fraud was, the agencies are legally obligated to block these items should the vendors refuse to do so. 

The vendors simply return the account information and the agency then says the information has been " updated '' and is " accurate. '' This DOES NOT mean it is legitimate and is owed by me, or demonstrate it was not fraud. 

EQUIFAX NEEDS TO BLOCK THESE ITEMS IMMEDIATELY. 

I was denied housing due to this lack of action. 

I am XXXX and the father of an XXXX XXXX and both of us ( as the law enforcement report shows ) ar eth XXXX XXXX XXXX XXXX XXXX XXXX. We are fleeing the situation and this is now placing us on the street.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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:
This is XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and portfolio is trying to collect a debt that 10 years. I need the original copy from XXXX from them saying when the debt which it start from what year is the debt started my 90 days pass do what year Next step attorney General because this is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: OH
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and was approved online for the American Express Everyday card on XX/XX/2019. During the application process, I was presented with a welcome offer of XXXX points after {$1000.00} in spending within the first 90 days, which was what prompted me to apply. After receiving the credit card in the mail, I confirmed on XXXX XXXX via live chat to verify that the offer was attached my account. I subsequently spent over {$1000.00} but did not receive the points promised in the welcome offer. Upon chatting with American Express again, I was told that there was no offer attached to my account. When directing the chat agent to the previous live chat I had, I was told that I was declined for the offer stated by the previous chat agent despite this being my first American Express credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi brand new customer here. I received my card XX/XX/XXXX, activated it & completed the online enrollment process and immediately attempted to access my account through the mobile app. I was only able to login to the app once. I tried again a few hours later and I keep receiving the error message " temporary delays ''. This has been going on for me for 2 days now, and Citi 's IT department was unable to resolve the issue. The best solution they could offer was to uninstall, reinstall the app, and if that did not work reboot my phone. 

I tried using the app on another XXXX phone and the same message is displayed. Out of curiosity I XXXX " Citibank temporary delays '' to see if others were having this problem. It turns out this problem has existed for YEARS. As far as I can tell the " temporary delays '' issue with the mobile app has been around since XXXX. So fast-forward 7 years later and it still persists. This prompted me to start reading reviews of their mobile app on the XXXX playstore, and I unearthed a treasure trove of complaints. The vast majority revolving around not being able to login to the app. People can't even pay their bills, or unlock their card. To put it simply, it is freaking XXXX and this is ridiculous. If a customer is late with their monthly payment, all XXXX breaks loose. So why is it okay for Citi to knowingly neglect and ignore this on-going issue? How can a billion dollar company, struggle with such a simple and core feature functionality? 

And ... since I'm here. Would someone please explain why Citi performed 2 hard inquiries on my account from the same credit bureau ( XXXX  )? I'm asking because when I pull my credit report, I can see my score drop by -3 points from the first inquiry ( XXXX ). Then a few days later, it dropped again by -3 points for the 2nd inquiry ( XXXX ). All for the same credit card ( Citi double cash ) that I'm writing about right now. Had I known their " IT '' was this bad, I never would have applied for the card in the first place. 

Anyhow, I say all that to say this. Citi, you couldn't even keep me as a customer for a week. One week. 

Reconciliation is not an option, as I fully intend to close my brand new account as soon as your remote offices open. Going forward please acknowledge and address the many complaints from your other customers, especially ones as serious as bugs with your software and IT systems. There is a special kind of helpless, when you've experienced fraud and the only thing your card provider can do is recommend you try again tomorrow.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2020-01-10
Company: Experian Information Solutions 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:
Contacted Experian in XXXX of XXXX and again In XXXX of XXXX when I noticed a wrong address in which I have NEVER used nor lived at EVER! 
I NEVER gave such an address or permission to use such address which is XXXX XXXX XXXX XXXX XXXX, LA XXXX I want this FALSE address REMOVED from my report. 
Again I have NEVER used or reported such address above I want this FALSE information removed from my report ... I have NEVER given any bank or company permission or such information above This Is NOT my address! Nor has it ever been Experian would not help me and would not remove this false information

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-01-10
Company: REGIONS FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX and Regions should look at this also XXXX  opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from XXXX XXXX Regions XXXX XXXX  XXXX  name goes on and on

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 2020-01-10
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
Wells Fargo and XXXX  should look at this also XXXX  opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from wells fargo XXXX    XXXX XXXX XXXX  name goes on and on

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