BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: WA
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 had been receiving promotional letters by mail and email from Citi Bank for about 2 months. Promotion term were to switch or apply for a new Citi AA Advantage card spend XXXX $ or more to get the benefits and bonuses. I had a different Citi credit card already. Finally in XX/XX/2021, I decided to call Citi agent to find more about the offer. During the conversation I asked and clarified that if I SWITCH from old Citi card to new Citi AA Advantage card then I will receive promo bonus miles in amount of XXXX for spending qualified amount of money plus 1 year free from membership fee which was XXXX $ and XXXX $ for another qualified spending and she said YES to everything. I met the requirement in 1 month and after 90 days I did not get any bonus miles but instead they charged me XXXX $ membership fee. I called them to complain about the charge and missing bonus miles to what they did is they refunded XXXX $ fee and said that I did not qualify for bonus miles because according to promo terms I had to be a new customer. I escalated the case to executive office manager who called me twice and I requested the phone conversations with agent happened in XX/XX/2021 to be mailed to me as a proof. Last time she called to inform that she listened to my recorded conversation with agent in XX/XX/2021 and that during the conversation we talked about everything except bonus miles which is total lie, we spoke about every single promo detail. I insisted on getting my bonus miles for the last time over the phone but unfortunately they declined my kind requests. 
It is absolutely insane how they can treat their valued customers but I bet we are just numbers for them. They did not honor their own promises, advertisements and guarantees. 
Please be aware. 

PS : When I called Citi Bank for the third time about my bonus miles they switched me to XXXX XXXX line and when I explained the situation to XXXX agent she shockingly replied saying Citi did awfully wrong for pushing the responsibility for bonus miles to them. They did not provide me with my phone conversation with a Citi agent that happened in XX/XX/2021.

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 2023-01-16
Company: LJ Ross Associates
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$970.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE IN TO REGARDS OF THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATION RESULTS.

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 2023-03-15
Company: EQUIFAX, INC.
State: MD
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:
There are shady credit card company by the name of XXXX n my credit report that shouldn't be there there are addresses that I have never resided there but there on my report. There are a list of double inquires from the same company and also there are a long list of old inquiries that do not belong there. They have been added due a breach class action in which I was a part of. This has caused me miss several business deals and loan approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
I have contacted Equifax numerous times for the last 5 years are so with the inaccurate information they have been reporting on my credit profile. I spoke to XXXX XXXX at Equifax Fraud Department today. I spoke to Equifax last time on XX/XX/2023, Equifax have promised me to fix the errors on the credit profile, yet they did not correct all of the information. Instead they choose to put information which does not belong to me, this has decreased my credit score by XXXX points since the last update. 

I called Equifax this morning and spoke to XXXX XXXX and explained him the issue. XXXX XXXX was not only disrespectful but declined to correct any of the inaccurate information. I did speak to Manager/Supervisor, after XXXX minutes on the call, the call was disconnected. 

I was a victim of an identity theft, this was explained to Equifax in XXXX XXXX, 2023 and also sent them paperwork to this affect. Yet Equifax choose not to correct any if the inaccurate information. Ironically Equifax even closed my online disputes from XX/XX/XXXX and XX/XX/2023 without correcting the information. This is causing a lot of stress on my financially and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Being sued for a judgement for previous cred card debt to bank of america, in the amount of {$2900.00}. I am XXXX, legally XXXX, and my only income is my XXXX XXXX XXXX. After contacting a local law office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, i was told that this judgement would allow bank of america to garnish my social security and put a lien on my house until the debt had be repaid.

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 2017-11-03
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My job received a wage garnish for a debt they faxed me over a copy it has someone else 's social security number on it so I wrote a letter to the company requesting proof of debt in XXXX 2017 and still have not received anything but they sent another letter to my job today I did ask for all communication to be in writing and still they wo n't tell me what the debt is for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is not a duplicate complaint, I'm sending this complaint because of fraud activity on my report. Please note, that I'm not using any third party for this matter, I represent myself by myself. 
I pulled my report and discovered there several hard inquires that are result of fraud. These items are not a XXXX XXXX but fraud items. 
It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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. 
I have filed FTC report for this matter and I have included to this package. 
the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also attached a copy of my DL, SSN, and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
The following inquiries on my account is fraudulent and the credit bureau did not remove it when I disputed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-04-12
Company: BARCLAYS BANK DELAWARE
State: PA
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/2020 I placed an order for a furniture Set ( 6 ) pieces for {$2700.00} with Merchant XXXX  using my Barclay 's Bank Master Card Account. 
In XXXX I received only a partial delivery of the furniture ( 4 ) pieces from the Merchant who notified me that the other pieces of the set were now backorded due to COVID impact on production. 
I filed a dispute with Barclay 's to delay payment of the set until we could verify that I could receive the entire set. Barclay 's removed the charge in XXXX while investigating, but then returned the charges in XXXX stating a refund could not be made by the Merchant. 
I contacted XXXX in early XXXX and we discussed the item was still in backorder so they should pick up the ( 4 ) items and cancel & refund the order. XXXX Agreed and I have attached the documentation. XXXX did pick up the ( 4 ) items and issued a refund on XX/XX/2020. 
Barclays was notified by me throughout this process and provided ALL documentation but never issued the credit. To date, this transaction was never completed, the order canceled & refunded by the Merchant - however Barclays is still billing me for {$2700.00} plus late fees and interest. 
I have faxed documentation to disputes on too many occasions to list. 
Emailed and called representatives. 
Mailed documentation to Barclay 's Home Office in Delaware to the complaints department and receive no response. The Account I hold with them remains in arrears due to their internal incompetence. 
See attached file which included refund and return confirmations from XXXX as well as written correspondence to Barclays. 
Regards, 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 2019-05-12
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX is constantly pulling my credit report without my permission as a hard inquiry. I received my credit report from all three credit bureaus. I spoke with Equifax and send them a certified letter and told them that my information has been hacked. That the inquiries that they have on me is wrong. I have not applied for any credit. I call XXXX XXXX and All the other inquiries on my report and they told me that they did not run my information and that they have no information on me. I ask Equifax to remove all of the Hard inquiries that they have on my report and show and send me documentations of what they have. They told me no that they can not remove it. Equifax is letting any and everybody run my credit and not verifying anything. My credit score has drop and making it hard for me to make it. I was and still a victim of identity fraud. Every since people information got hacked from Equifax my life has been a living XXXX for 10 years. Equifax has messed up my life. I have told them in writing by a certified letter and have spoke with them about this and they refuse to do anything about it. I am trying to find a federal attorney if one available I am here ready to move forward. 10yrs I can not take anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX Ad Astra Recovery took {$300.00} via an unauthorized postdated check from my SSI Representative Payee account for a 3 year old debt I have with Speedy Cash. Ad Astra Recovery has never contacted me regarding the Speedy Cash account and the last correspondence I received regarding the Speedy cash account was an email from XXXX XXXX XXXX dated XX/XX/XXXX. There is no record of a judgement against me with the court, and I never authorized Ad Astra to access the bank account or to use a postdated check. Not only did they take funds from an account containing 'Federal Benefit Payments ' they did so without getting a court order or judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I received an email prompting me to reach out the Ally ( the banking institutions ) fraud department in regard to my account. Within 10 hours of this email, I reviewed it an reaching out. 

They asked me general information questions on the account and then asked what a specific deposits were. They were direct deposits from XXXX, which I use to accept payments for my art business as I am an independent artist. I miss-spoke and said this was a business transaction after they asked " were these deposits business related? '' and they immediately told me they were going to send this into review for their fraud team because they do not allow business on their bank accounts. I tried correcting myself because these were not business transactions, these were direct deposits from payments made on an entirely different platform. They ignored me and submitted the case anyway that I was " doing business '' on my account. This was not a business transaction and I corrected what I said to what I actually meant - that was this was a paycheck, just like anyone else 's direct deposit, that was deposited into my account by my own business ' funds from another company I DO use for my business transactions ( Honeybook ). 

This was NOT a business transaction but it was too late and they locked me out of my bank account and can not give me a date to when this will be fixed in the 8 times I've called for a review. 

I feel as though the lack of willing to hear me out on my miss speaking to the fact that this was a paycheck not a business related transaction in the moment of speaking to me was misleading. It felt as though they were trying to bait me into agreeing that I was a business owner 'doing business ' so they could have a valid reason to freeze my account. 

Now they have blocked access to my account and WON'T GIVE ME A TIMELINE on when I can even expect a response back to what is going on. I can not even log on. I have no access to my money. No idea when to expect access to be back so I can pay bills and have no ability to tell companies when to expect their money since all auto-pay bills going out of my unjustly frozen account have bounced and they won't tell me when it could be fixed! 

Their customer representatives repeatedly tell me they have no idea when to expect information. That they do not give timelines. I need answers or I am facing credit hits from missed bills all for having my paychecks be from my small business and not something they 'recognize ' when I could tell them what it was when they asked!!

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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card to Capital One was applied for in my name. I received a hard inquiry alert for Capital One on XX/XX/2023. On Wednesday, XX/XX/2023, I received the credit card in the mail. I then called Capital One to report the card was opened fraudulently in my name. Capital One closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Prior to signing up for the Marriott Chase Premium credit card, I spoke with a customer service representative to discuss the terms and conditions of the credit card. I was told on the call that the {$85.00} annual fee would be waived the first year. Upon reviewing my statement, I was charged {$85.00} for the annual fee on XX/XX/2016. This is approximately 1 month after receiving the card. I call customer service again and spoke with a supervisor who told me that i was given the incorrect information and that the annual fee is required and not waived. I told them that i was misled and they said there is nothing that they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$32000.00} ; 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 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 2019-12-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/19 and XX/XX/19, I disputed inquiries on my credit report through equifax they told me i needed to reach out to all the companies which i did and they could not verify i applied to these places and told me to re contact equifax and they will not remove them. Attached is the copy from my report.

Company response to consumer: Closed with explanation