BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Last year, Citi offered a {$100.00} bonus for referring a friend to a new Citi personal or business checking account. I referred multiple new clients to Citi but never received the Member-Get-Member bonus. I called Citibank XXXX XXXX XXXX XXXX on XX/XX/XXXX to investigate this issue but still have not received the bonus.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: PR
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: Was not notified of investigation status or results

Complaint:
I have sent multiple letters to Experian disputing a collection that has not provided me with proper debt validation, and the last letter was sent to Experian on XX/XX/2023. Until today, XX/XX/2023, I have not received the letter with the results of this dispute.

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 2019-03-05
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/XXXX at XXXX CST I was contacted by National Credit Adjusters of XXXX KS XXXX. I had received approximately 4-6 calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to XXXX XXXX. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at one point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee XXXX XXXX. XXXX. I reside in Tennessee and only dealt with XXXX XXXX inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: DE
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 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 2023-05-11
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-05-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeatedly told the no call unless they have interest and authority to take a short pay, they ignor and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX XXXX XXXXXXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Before making the porches I was informed that best buy head a promotion that was 48 months interest free by the customer service. Then I proceed with porches, then with in 6 moths the amount dabble. them I imitated contact the bust buy credit card and they put the account under investigation. then never head anything from them over a month. them continued to contact them about the account and I head enough them I called the city bank the bank said we cant help you it will have to be bust buy, right way I rushed to the store and they said it's still under investigation and waited and never gat anything from them and the next time I head from them the account was in collection

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 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Didn't receive my XXXX security service promotion for XXXX dollors made a payment for a {$100.00} that was not credit my card was stolen i never received another card i call over 50time every the problem was solved but that trasfer me to different departments no answer for removing the bill XXXX  conside it to be fraud and it was a XXXX balance

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 2023-01-18
Company: Experian Information Solutions Inc.
State: CT
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 2023-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I submitted a complaint about Portfolio Recovery Associates. In the complaint I stated how Portfolio Recovery Associates failed to provide the validation I asked for numerous times. And again, on XX/XX/XXXX I received XXXX letters that were identical. In the letter they state " We have completed our investigation of your dispute concerning this account, XXXX, XXXX has obtained and reviewed the attached documents related to this account, which established its validity. 
I disagree for the simple fact that Validation of the debt can either be a signed judgment order or an accounting which is signed and dated by the person responsible for maintaining the account general ledger. 
See 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As I stated in previous complaint, a copy of consumer credit statement is NOT sufficient evidence to validate the debt, yet Portfolio Recovery Associates ignores this and continues to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-05
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have previously filed a complaint about an electronic transfer made by my bank, Wells Fargo, to XXXX, at my request to pay a bill. That was XX/XX/2017. Despite numerous calls with both Wells Fargo and XXXX, to date, Wells Fargo has not located my money. XXXX states they did not receive the money, while Wells Fargo claims they sent it to XXXX, but it still has not been located. This was a XXXX payment that can not be found. I have no escalation path with either Wells Fargo or XXXX XXXX  -- they both closed my claims, and I DO NOT KNOW who has my money. Please help me.

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 2019-11-14
Company: Bayside Capital Services, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 I was contacted before XXXX XXXX and told they would serve me a legally required notice by Friday. They could not provide my address, their name, or the debt. They said they were from Bayside Capital. They also called a relative of mine to inquire about me and spoke about the debt. Number they called from was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EVERBANK, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
one of the people who XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being XXXX and XXXX XXXX  All three credit bureaus have receipts of payment made prior to 1St but still have not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX & their affiliate finance company, Prestige Finance. XXXX XXXX purchased around XX/XX/2016. After filing for bankruptcy due to a divorce, I had to turn in my vehicle. I went to XXXX XXXX XXXX as they are one of the companies that claim to specialize in " credit challenges '' such as this. The salesman assured me if I just keep the vehicle for a year they could get me back out of it and into an SUV like I had wanted since the vehicle was a XXXX and would hold its value better than an American made vehicle. Prestige Finance has been engaging in Predatory Lending and targeting Borrowers who have limited options to due credit challenges and/or bankruptcy. They charge much higher interest because of the credit challenges. I expected this, however, they DID NOT disclose all of the loan terms when I signed paperwork. And recently I learned my loan has a fluctuating interest rate, and several of my payments went 100 % to interest and not a dime went to principle. My balance has not gone down for several months. It has actually GONE UP. Which means this loan has negative amortization, an adjustable rate, and would not be able to be paid off by the term agreed upon ( I believe it was a 6-year loan ) without a balloon payment. I have worked in finance/mortgage business for over 15 years so I am well aware of deceptive and predatory lending practices and I told Prestige this, and that I will not continue to throw money away on this loan. I also have NOT been able to trade the vehicle in like the Salesman assured me I could. I've tried for over a year straight. There is $ 5-7k negative equity, especially since my balance hasn't gone down. I've recently had a baby so we now have a family of XXXX and can't even fit my family in the car, or a stroller. So not only has this left me in a difficult financial situation, but I've also been paying for a car that I can't even use. They also would harass me every month beginning the day before the payment was even due. Three times daily at a minimum. A phone call immediately followed with a text message and an email about my payment being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX and XX/XX/2018, I requested that my Fifth Third Bank access 360 prepaid card and Trio credit card be closed. After several hours on the phone with the company and multiple Representatives, they have refused continually to close my credit cards. They state that they require my physical presence in the branch, which is not feasible because the nearest branch is over 500 miles away. There is no indication in any terms or conditions referring to or stating that I am required to be present in the branch to close a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
I am having problem after problem with disputing something off of my credit with XXXX, XXXX XXXX and Equifax. Everything seems to be in accurate for a couple accounts. 

XXXX XXXX XXXX account # XXXX And I wish to have this account removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: FL
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 began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 2021-10-04
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Purchases made at best buy with Citibank Best Buy card on 2 or 3 occasions. Each purchase was no interest if pain in x # of months. My card had an amount I was to pay each month. I had no idea the amount wasn't divided so each purchase would be paid off during interest free period. Total surprise to find out I had to pay the interest because I hadn't paid it off. Had I known it would have been paid. Why would a company send a bill for what was due monthly and it be less than amount to avoid interest charge. This is a scam. They can say whatever but no one at best buy ever mentioned this. It was all about " no interest if paid by ''. Then I'm told certain amount was due and I made the mistake of thinking it was divided into equal payments to avoid interest. I have another credit card that shows one amount to pay for no interest and a different amount that will cause you to pay interest. Up front explanation. NOT CITI BANK FOR BEST BUY. I truly feel like I've had the wool pulled over my eyes.

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