BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Citibank checking and savings account because they directly advertised a promotion to me when I logged in to my citi.com account. The promotion was a {$400.00} bonus that would be added to your account after meeting requirements. The requirements were that the consumer was to deposit {$15000.00} and maintain that {$15000.00} balance for 60 days. The terms stated that the bonus would be credited within 90 calendar days. The account was opened on XX/XX/XXXX and the {$15000.00} was deposited on XX/XX/XXXX. I contacted Citi on XX/XX/XXXX and the rep confirmed I had met the requirements and told me they were positive the bonus would be credited on XXXX. It was not credited on XXXX. I contacted Citi again and the rep again confirmed that I had met the requirements and said that they would escalate to the promotions who would credit within 2 business days. I contacted Citi again on XX/XX/XXXX and the rep again confirmed that I had met the requirements and said it could take up to 5 business days at most from the initial escalation. I contacted again XX/XX/XXXX and was told there it was with the promotions team and refused further help. As of XX/XX/XXXX, I still have not received the bonus that was advertised to me and I met the minimum requirements. 

I believe the way Citi is handling this issue is unfair to the customer. I believe Citi should honor their promotions that they advertise to clients. I feel other consumers should know about Citi 's practices. 

I printed the promotion page to PDF and took a screenshot when applying. Those will be attached.

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 2023-08-12
Company: Valley Collection Service, LLC
State: AZ
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 have paid all outstanding balances of {$91.00} on XXXX XX/XX/2021 to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXX After completing the debt payment procedure. My credit record should have been deleted, but to this day my credit score is still bad because the debt still exists in the government 's computer system, which has not been cleared. Therefore, I earnestly request that you check and correct my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: NV
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 XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: RI
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:
Iberia Bank Credit Card was cancelled online and via mail with XXXX balance due, and prior to annual fee being due. Card was then charged annual fee, then late payments were charged also. XX/XX/XXXX online contacted to remove fee, XX/XX/XXXX, Iberia email says dispute resolved, approved. XX/XX/XXXX balance of XXXX not credited, contacted again using their online service to ask why charges have not been removed, asked that they be removed immediately. XX/XX/XXXX Iberia email says transaction dispute approved. 
However, charges still appear. I also received a late payment notice dated XX/XX/XXXX. Obviously they did not clear it onXX/XX/XXXX as stated in their email message to 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX Balance Owed : {$0.00}.

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 2019-01-13
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 fraud alerts or security freezes

Complaint:
I've tried multiple times since XX/XX/2019 to have my credit reports pulled by XXXX XXXX. They are attempting to do a 3-bureau pull, and resulting with no scores due to the fact that one of my reports is frozen. I believe my Experian report is frozen despite my repeated thaw requests. Both of the other credit bureaus report my status as not being frozen on their websites. The websites are well designed, user friendly, and informative, as I would expect from a company of this importance. Experian 's website does not offer the ability to query status of report availability, only the option to " freeze '' or " unfreeze ''. I have emails from Experian stating that my report has been requested to be unfrozen, but no real confirmation online. It's been five days. 

The complaint : The worst part of all this? There seems to be no possible way to talk with a human at Experian. All of their phone numbers are endless loops of automated prompts to information that can't help me. Every combination of answers leads to a dead end, with no ability to speak with a representative. Further, there seems to be no email address that I can find on the site for customer support. And there of course is no online chat capability. 

Am I missing something? This company has been entrusted with our most valuable personal information, and they are both unreachable and unaccountable. Can someone please help me simply contact a representative of this company?

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 2020-06-04
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: Account information incorrect

Complaint:
I recently filed a dispute request with the credit reporting agency where I advised that a collection account listed as XXXX XXXX XXXX XXXX / XXXX XXXX showing on my credit report was a result of Identity theft at that time I provided proof of the account, the police report and a letter stating the accounts was a result of ID theft as communicated to the collection company the credit bureau has refused to remove the account from my credit file dispute being notified I provided my ID, police report and proof of address in this letter please assist me in resolving 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 explanation
Consumer complaint received 2019-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Im filling this report against Bank of America for not providing adequate security for my bank account. My personal information is not secure with this bank when it comes to other entities who seek my information. Yet for me, any transaction I try to do at any time, the bank always requested my ID, PIN # and Debit card to identify that it is me ; even if I write my own personal check. 
Also, at any time I deposit a check or receive a transfer from another entity the bank always delays the transaction for a few days or a week before credited my account. 
From time to time, the bank stops my debit card transactions without consulting with me or tell me if there were any suspicious activities. Yet on XX/XX/2019, someone or an entity stole my name and my partners information who happened to be on my Bank account with Bank of America, reopen a new account with Bank of America under my name or my partners name, and on XX/XX/2019, they transferred XXXX from my only account with Bank of America to the New account which they created with bank of America. Despite that the bank held both my personal account and the fraudulent account under my partners name ; yet after both my partner and I went to the bank complaining that it wasn't us who did the transaction, the bank still refuses to credit my account and left my balance to {$0.00}. while my car payment didn't go through. the bank fraud department told me it will take up to 90 days before I may be able to get an answer. While all my monthly bills and food need to be met. Thant practice of bank of America caused me and my family great grift.

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 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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/2023, I purchased XXXX tickets for the XXXX  concert at the XXXX XXXX for XX/XX/2023. They were to be delivered electronically via email. 

I received an email the tickets had been transferred but never received the tickets. I called several times speaking with a customer service rep to had me search all of my email boxes for XXXX XXXX XXXX and XXXX XXXX. 

After the tickets could not be located, the rep said they would contact the seller and have him retransfer the tickets. 

In the meantime while waiting for the retransfer of tickets, I called and emailed XXXX, checked my email boxes daily, and checked my XXXX account daily. 

The concert came and went with no help. I contacted XXXX who was not able to provide a refund. I contact my Bank of America card to dispute the purchase. This week I received a closed dispute letter from Bank of America saying I was responsible for the charges. 
Attached was XXXX policy but nothing about an investigation into 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 monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/20XXXX 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

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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern : In XX/XX/2018. I disputed Bankruptcies being reported on my credit report by the Bankruptcy Courts. I provided a letter to Transunion, XXXX and XXXX  that I received from the Bankruptcy Courts which states ; The Clerks Office does not provide information to credit reporting agencies. After there investigation the Bankruptcies were removed because the information reported could not be verified by the Bankruptcy court. In XX/XX/2018 the Bankruptcies reappeared. I deputed these items again but the result of the reinvestigation states ; The information reported was verified by the Bankruptcy Court which in fact it could not have been based on the letter that was provided to me by the Court. which I have attached a copy to this complaint to be verified. I ask that you please look into this matter to have these item removed permanently. Thank you for hearing my complaint.

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 2021-04-11
Company: Bridgecrest Acceptance Corporation
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to BridgeCrest through the credit bureaus As I am disputing the repossession they have listed and has indicated XXXX XXXX as the original creditor. 
I exercised my rights and disputed this via the three credit bureaus. One bureau has removed but it is still being inaccurately reported. Since I was told that it was valid and verified I sent a written request for the method of verification. I also asked for the documents they should have used by law which would have been bearing my handwritten signature and also had the original terms and sells price so we could also verify the highest amount owed that they have list. This company has not been able to provide me with ANYTHING! 
In a final attempt to settle this without having to enlist my retained legal counsel. I am using CFPB as a middle man and requesting the above verification AND method of verification or remove this horrendous item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and 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 2022-08-06
Company: EQUIFAX, INC.
State: VA
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 XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: M. G. Credit, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 A. States 1 have the right to privacy. 

( Original creditor ) is XXXX XXXX XXXX XXXX it was placed for placed for collection with a creditor by the name of MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. It also saying that the account is closed but I'm also showing something saying its open. I think its open because of the company selling it to an collector. And the amount of {$1000.00} This was created back in XXXX XXXX XXXX ( 4 years ) 15 U.S.C 1681 Section 604. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the afternoon of XX/XX/XXXX at XXXXXXXX XXXX, Wells Fargo Banks Branch ( Tower Building ) in XXXX XXXX robbed {$20000.00} from my account. I informed the Wells Fargo Bank ( WFB ) of above illegal transaction in my account. 
On XX/XX/XXXX ; MsXXXX XXXX XXXX ( tel. No. XXXX XXXX ) of WFB responded by a letter Furthermore, branch video was obtained of disputed transaction and upon reviewing the branch video, Personal Banker XXXX XXXX XXXX at XXXX XXXX Branch which is located on XXXX XXXX XXXX, XXXX XXXX , Ca XXXX has identified you as performing the transaction. 
Ms. XXXX statement was false and untrue, since she emailed to the Branch some set of pictures ( not surveillance video ) and they were undated from different transaction. Please ask her to forward you the copy of that email, so you could see the truth by yourself. 
After three month of disappointing result from WFB I filed with the XXXX On XX/XX/XXXX, The XXXX investigator reported that two Wells Fargo employees/investigators reported XXXX directly that there is no surveillance video existing for the unauthorized transaction during the afternoon of XX/XX/XXXX The first names and phone numbers for these WFB individuals, as provided by the XXXX investigator, are : XXXX : XXXX ; and XXXX : XXXX. 
I am XXXX years oge and I am at your mercy to correct injustice, that brought upon me by the Wells Fargo Bank. 
Respectfully, XXXX XXXX My Debit card : XXXX Cell : ( XXXX ) XXXX Email : 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 2023-08-11
Company: EQUIFAX, INC.
State: CA
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 XXXX  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 an alleged fraud or extortion 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 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

Company response to consumer: Closed with non-monetary relief