BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
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: Public record information inaccurate

Complaint:
I received my free credit report on XX/XX/XXXX and noticed that Equifax is reporting in error in public records chapter XXXX bankruptcy. I never filed chapter XXXX, I filed Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. I submitted a dispute to Equifax 3 times on XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX and asked them to remove the incorrect information. In response not only did Equifax not remove fictitious Chapter XXXX, they added verified date XXXX XXXX. So not only they did not remove the wrong information, they made it look as more recent bankruptcy. Equifax created a financial hardship for me and my family. I am self employed and my business depends on my credit. in the last 30 days 2 credit card companies cancelled my credit cards accounts and 1 reduced my available credit line. I tried calling Equifax multiple times, every time customer service representative told me that they do not see Chapter XXXX on my report and when I asked to speak to a supervisor, was placed on hold for a long time and then call was disconnected. I would appreciate if you can help to hold Equifax accountable for reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was contacted on XX/XX/XXXX via text message about an XXXX  opportunity to do a commercial with XXXX. I followed up with the opportunity and was told I would receive a check of {$5400.00} from XXXX XXXX  of Arizona for my involvement in the project. I was contacted by another cell number where they told me they would send a check via usps in the amount of XXXX. The mail arrived XX/XX/XXXX in a USPS Express box. I was told to deposit the check on XX/XX/XXXX and later told to withdraw the amount of XXXX out of my Bank of America account on XX/XX/XXXX. After withdrawing the money, I was told to wire the money via bitcoin Atm. On XX/XX/XXXX, I contacted my bank because my card kept getting declined. I was directed to the check fraud customer service and explained my situation but was told there is nothing they can do about it even though they did not detect the check was fraudulent during the deposit resulting in 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 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I previously filed a complaint concerning unauthorized credit inquires I did not authorize.

Subsequently, a unknown party used my information to obtain a car loan.

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 2016-06-20
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold account on XXXX/XXXX/XXXX under promotion XXXX, which offered XXXX AAdvantage miles after completing {$1000.00} in debit card purchases and 2 bill pays in consecutive months. I completed the terms of this promotional offer on XXXX/XXXX/XXXX. I secure messaged Citi to confirm I had met the terms of this offer, and received a response on XXXX/XXXX/XXXX from XXXX XXXX XXXX stating that I did indeed complete the requirements for the offer, and that I will receive my AAdvantage miles no later than XXXX/XXXX/XXXX. I did not receive my miles by XXXX/XXXX/XXXX, so I contacted Citi again via secure message. XXXX XXXX responded and apologized that the miles did not post yet, and offered to open an inquiry. Every month I have waited for the miles to post, messaged citi, and received another response stating that they will open yet another inquiry. The results of these inquiries were supposed to be emailed to me, but that has not been done. And frankly I do not care what the results are for the delay. I want the miles that I have been promised. I have been paying a $ XXXX monthly fee for this account, which is completely unfair as they have not fulfilled their end of the agreement. The marketing materials related to the promotion were entirely false and misleading, and it is absolutely unacceptable that I should have to wait 6 months from the date that I fulfilled the terms of the promotion to receive the miles that I am entitled to.

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 2018-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not understand how can a statement from XXXX XXXX which I never had this account with XXXX XXXX be validation. I have a current account good standings with XXXX XXXX but never this one. When was the last payment made on this account? The statement doesn't provide any validation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citigold account ( bank account from CITI bank ) in XXXX XXXX, 2015 using a promotional code XXXX. By using the promotional code, based on the term, I will be eligible to receive XXXX XXXX ( XXXX ) miles if I spend {$1000.00} on my citigold debit card and make a citibank online bill payment for two consecutive months. After I opened the account, I contacted with citi to confirm this promotion. The representative ( XXXX ) confirmed my eligibility and claimed that the bonus miles will be credited to my XXXX account ( XXXX ) within 90 days from the end of the statement period in which all offer requirements are completed. In XXXX XXXX, 2015, I contacted with citi again and talked with another representative ( XXXX ). XXXX confirmed that " I see that you have met the requirements of the promotion offer '', and informed me that I " will be getting the offer of XXXX XXXX miles in three months ''. I kept all those chatting history. However, I have never received any bonus XXXX miles after three months. I contacted with citibank and talked with a manager. He said that citibank had give me another promotion offer instead and thus the original promotional code XXXX I signed-up was no longer applicable. In this case, the key fact is that citibank had never mentioned another promotion offer to me before they breaked the original agreement and applied another promotion code to my account without my authorization. I proposed him to withdraw the promotion offer that I did not sign up, and give me the XXXX bonus miles back, the manager refused even if I said my eligibility to receive the XXXX miles had been confirmed by their representatives many times. I did nothing wrong in this situation, but citibank 's response is lack of responsibility.

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 2020-11-05
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: Investigation took more than 30 days

Complaint:
I checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX  XXXX XXXX XXXX XXXX and still no response.

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 2020-05-28
Company: CBC Companies, Inc.
State: OH
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 unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Have Home Depot ( HD ) Card from Citi Bank ( CB ). Received notice on first bill minimum balance due monthly was {$25.00}. Paid late in XX/XX/XXXX due to HD computer crash in XX/XX/XXXX and they could not accept payments from or too any type of electronic card until computer crash fixed. CB Charged a {$35.00} late fee in XX/XX/XXXX for this late Payment. Balance due in XX/XX/XXXX with {$35.00} late fee as approximately {$63.00}. Contacted CB by phone and they agreed to strike the {$35.00} late fee. Paid the {$25.00} owed. Since then Continues to charge me {$35.00} late fee each month stating that I failed to pay the minimum due with the late fee in XX/XX/XXXX even though they remitted the late fee owed in XX/XX/XXXX. Attempted to discuss and resolve issue with CB with no success. Contacted Attorney who sent a letter to CB in XX/XX/XXXX with a time frame for CB to respond. CB did not respond in time frame and would not take calls. Attorney sent 2nd letter XX/XX/XXXX. CB sent me letter to contact them. Contacted them XX/XX/XXXX and they refuse to do anything further about late fees from failing to pay balance owed in XX/XX/XXXX even though they remitted that late fee.

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 2016-02-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a Home Depot Credit Card account on XXXX XXXX, 2015 to purchase an appliance ( Refrigerator ) at a Home Depot Store in XXXX XXXX. The appliance was schedule to deliver on XXXX XXXX, 2015. When Delivery Company ( XXXX XXXX ) personnel arrived to make the delivery, they ( XXXX XXXX ) say that the refrigerator was n't going to fit through the door and that they were not going to be responsible if the appliance gets damage in the process. Therefore I refused the item and call Home Depot to report that I refused the Item. I even went to the site Store the same day to report that I refused the Item. Weeks later I received the bill for the item, I call home depot once again to reiterate that I refused the item and they responded to me saying that they have proof of delivery ( POD ) with a signature of person name XXXX, I clearly told them that the signature it was not mine or anyone in my home. No proper investigation was conducted by the Home Depot store nor the credit card company, and now they are billing me for something that I never received. I reached out to both Home Depot Corp and City Bank/Home Depot Credit Card to ask for help, both told me that there was nothing they could do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Receivables Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from XXXX today XX/XX/2018 @ XXXX. 
I do not know what the call was about except an attempt to collect a debt and they left a robocall voicemail on my voicemail message system. 
I don't owe anyone any money. 
I want all these calls to stop asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Citi Bank Credit card for several years. Never missed a payment and several times I paid it off in full. Never late. 
My card was to be renewed XX/XX/2015 and for some reason it was cancelled. I called Citi Bank and they could not give me a reason for cancelling this card. I talked to XXXX different people and they could not come up with a reason. One customer service rep told me, your were late with your XX/XX/XXXX payment by 3 days. 3 Days? I told her that was no reason and I had made the payment but their not processing it over the weekend seems to have made it late. 
Now, if they knew they were going to cancel this card why did they not tell us? I had paid it off, in full and then used it on vacation. Why did they let me do that, knowing they were going to cancel this account? Why can they not give me a reason and keep transferring me from one rep to another? That was a very dishonest move on their part. I feel they took me to the cleaners knowing this was going to happen and knowing they would be charging all these hidden fee 's. 
So now they are calling me round the clock mainly at work and hounding me over their mistake. Now I am being added late fee 's, over the limit fees and being turned into the credit bureau. 
I just made another payment today online ( XXXX/XXXX/2015 ) and their late fees and interests are way out of control. And this is their fault, they can not even tell me why they cancelled the card. 
I do n't mind to pay my debt but I am not paying unfair fee 's and penalties. 
And this hounding me round the clock after all the years I have been a loyal customer has got to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
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: Account information incorrect

Complaint:
I want to first and foremost thank Equifax for processing my disputes recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of buy personal information. I will link that letter and the receipts here for your convenience and proof.

Unfortunately I can not tell if they processed my disputes because the two old accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account begging in XXXX that I am currently 120 days or more late and that is not valid because I have zero lates on this account, please check my attachment. This information should be deleted, as should the whole account. Also, on that same account there appears to be statements supposedly made by me and a comment made by me. These are false and I never authorized any comment nor statements. this is concerning and would like to know how and why this is appearing. In other words the account is not valid or verifiable so please just delete it. 

Secondly, I would like to bring to Equifax 's attention that account # XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section. 

These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm a victim of ID Theft starting on XX/XX/2017. It took me a while to notice illegal activity on my account after I work at home for a former employer who used my identity to have an access to my Checking, Savings and Credit Card accounts with Chase Bank.

I suspected that my former employer used my SSN, my name and my checking account that was on the direct deposit form that I filled it out for direct deposit paychecks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon checking my Credit Report I noticed I had debt from " bby/cbna '' also known as Best buy. I opened my card in 2014 and just finished paying my card off last month and when I called best buy they said they have no charges from now or the past for my Account.

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 2018-05-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was denied credit due to a collection placed on my report by PRO COLLECT collection agency. I was not notified that they were putting anything on my credit nor was I even aware of the debt. I don't owe any money to XXXX XXXX. It is for XXXX this is an error. 
I sent for proof of this debt to Pro Collect several times and they continue to just ignore me. They won't respond. This is not right and a violation of the law

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 2018-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
paid for three bureau report and didn't receive the reports but was charged XXXX and the site gave me an error and still charge me would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor.

I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile.

They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX  XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry.

With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file.

Thank you for your cooperation.

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