BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB officer, I opened the Citibank checking account on XXXX by signing up the welcome bonus offer that pays {$1000.00} if I deposit {$75000.00} and maintain it for 2 month. I received the offer confirmation email on XX/XX/XXXX, I deposited XXXX on XX/XX/XXXX, according to the offer I should receive the bonus {$1000.00} no later than XXXX, however I still have not received any thing. I called citi customer support many times and each time they can confirm that Im indeed qualify for the offer, they submitted a claim within their system, saying I can get a result in 5 days, Ive been waiting for more than 15 days and still no response. In the meantime I started searching the internet for this matter and it looks like some other users have faced similar issues before. Now I feel like I fell into a scam, especially now I cant even transfer all my {$75000.00} out at once. Citi lured me to deposit all these money with no interest and declined to pay for what they promised. Thank you.

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 2023-02-22
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : {$28000.00}

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 explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification. The Phone and Fax numbers of the Individual or Department from whom you obtained this information. Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA. Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy. You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A. 1692g ( b ) dispute and 30 days to provide the information requested above. If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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 have contacted Equifax multiple times regarding inaccurate public records showing on my credit report. I sent a method of verification on XX/XX/XXXX. On XX/XX/XXXX I submitted another letter to Equifax requesting an investigation and i have not received a response from them or any notice that they have started an investigation. Equifax stated that they obtained information through a third party vendor XXXX XXXX Data Solutions ''. I contacted XXXX by sending a method of verification on XXXX. XXXX was unable to verify the information requested, As a result, XXXX Subsequently removed bankruptcy record on XX/XX/XXXX. 

I attached all the letters showing multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted a Public Service Loan Forgiveness ( PSLF ) form last year to FedLoan Servicing and received a letter dated XX/XX/2021 ( attached ) that it's under review to verify if I work for a qualifying employer. I have since contacted FedLoan several times and they confirmed based on the submitted information that the employer qualifies for PSLF, however the application is still under review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: MT
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:
Hello and thank you XXXX XXXX XXXX XXXX XXXX XXXX has Merged with America First Credit Union in Utah. 
I have a item appearing on my credit report that belongs to an ex-husband. I declared bankruptcy ( Discharged XX/XX/2020 ) and it shows delinquent 6 times after that. I do not know what he has done since we almost never communicate. 

We are trying to buy a house ( My new husband and I ) and this needs to be removed from my credit file so we can get the VA loan approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, the following alleged account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I'm requesting LexisNexis to reinvestigate and delete this account attached ( XXXX  XXXX Bankruptcy # XXXX ) Theyve stated everything was complete and accurate. But how is that possible if the date filed and much more is incorrect and whether if it's a XXXX  XXXX or XXXX XXXX. According to 15 USC 1681i ( 5 ) they are suppose to delete accounts if it isn't reporting correctly. 

Also. 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 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.

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

also, this account isnt in compliance with metro 2 credit reporting. Which is required by Federal Law. I have evidence to prove my case which is attached.

If your company doesnt honor my request to remove the above mentioned alleged account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In my XXXX XXXX app, I got an offer to apply for XXXX XXXX credit card so that I will get XXXX miles. I applied and when I submitted the application they declined and saying the reason that I submitted multiple applications for credit. 

Earlier they said some other reasons and they did not say anything about that in this declining letter. 

So pelase ask them to stop sending me such advertisement materials and then declining applications. If tehy have no plan to approve why they are sending my such advertisements

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 2023-04-25
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting 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 not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX  I do not have a contract with National Credit Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item or information from the file of the consumer, or modify that item or information, as appropriate, based on these results of the reinvestigation ; and Please note : XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I co-signed a XXXX lease with XXXX XXXX XXXX XXXX XXXX. About 4 months into my lease, my apartment started to experience numerous issues, water leaks, pest infestation, air condition not working, heat not working, bathrooms not accessible unauthorized entry into the apartment by the leasing staff. 
I have several emails of complaints and notices where my XXXX XXXX XXXX has to constantly visit the doctor due to the dust from the numerous ceiling repairs. 
On XX/XX/XXXX I informed the apartment of my intentions to break the lease and move out when I get another apartment in writing ( I have proof ). And I got a house in XXXX and moved out. 
They have now forwarded the last months rent to collection without my knowledge claiming bridge of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: FL
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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$960.00} COLLECTIONS XXXX {$380.00} XXXX XXXX XXXX {$1200.00}

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 explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is reporting an inaccurate charged off accounts on my reports that I have been disputing with them for some time now. I sent them a letter on XX/XX/2022 requesting validation of this debt and all documents concerning this account. In receipt of my letter they sent me a response requesting that I send them documents concerning this debt which I have attached below. They asked for my information such as a copy of my social security card, the nature of my dispute, account payment history and supporting documents. I detailed the nature of my dispute in the debt validation letter, what I want to know is, how are they able to verify this debt as accurate on my credit reports when they are asking me to validate this debt? Isnt it their job to verify this account as accurate and to have all documents pertaining to this debt that they are asking me? If they can not validate this debt and submit any sufficient proof that this debt belongs to me by law they can not report this account on my credit reports. I am demanding that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting I have an open account with XXXX even in light of clear evidence I submitted showing the account is closed with a letter from the company stating the account is closed.

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 2021-06-16
Company: JPMORGAN CHASE & CO.
State: CT
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:
please review the following accounts that are reported on my credit report, without any authorization Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

. Identity Theft XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is an public record/judgement containing an eviction reporting for me for The XXXX XXXX XXXXXXXX XXXX XXXX even though I have never lived there. There is no record of me ever living at this property at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain from corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since approximately XX/XX/XXXX I have had issues with the company portal in being able to make payments on time. The portal is constantly timing out, showing an error that it " can't be accessed right now '' or the " page is down ''. This has affected my ability to make timely payments which the company has charged late fees for. 

Approximately XX/XX/XXXX I attempted to log into the portal to make a payment in full and close the account due to the fact that I can never use the online account effectively. I once again was unable to access the account ( screenshots attached ) and am unable to make a payment in either XXXX XXXX or XXXX XXXX browsers. I receive the same error in that the page is down and this has gone on for months now. 

Today, approximately XX/XX/XXXX I have noticed that the company has now posted a late payment against my credit that has reflected across all 3 major reports and my XXXX.

I am requesting that this late payment be removed from all of my credit bureau reports as I have attempted to make payments to this company multiple times without success. The customer service team redirects you to try another browser and I have tried them all without being able to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 USC 1681.

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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Truist Bank ... has extremely Ridgid fees unjustly charged to me ... as a transfer of payment. From my checking account. To my credit card they are negligent in making balances appear understandable ... by using only colors. There's no plus sign for credit nor a minus sign representing a debit Referring to try n transfer money from my checking account to pay my credit card. And or an automatic creditline

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 reinvestigated my credit report, I realized that some of the information was erroneous. The TransUnion XXXX XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following ng account : XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$5300.00}.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: SC
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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 explanation