BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On or about XX/XX/XXXX I opened a Citibank Basic Checking Account after seeing an offer described by Citibank that if I opened a Basic Checking Account, deposited at least {$5000.00} within 30 days of accounting opening, and held at least that amount in the account for 60 days that within 90 days after fulfilling the conditions of the agreement I would receive a {$200.00} checking account bonus. I soon deposited approximately {$5000.00} on XX/XX/XXXX into the account. On XX/XX/XXXX I received another email update from Citibank about the offer and thanking me for enrolling in the Citibank {$200.00} checking offer and repeating the terms of the agreement. 

On or about XX/XX/XXXX I utilized the Citibank Mobile Application 's chat function to inquire as to when my bonus might be depositing, as it had been well over 60 days since when I opened the account and deposited the qualifying funds on XX/XX/XXXX. 60 days since my deposit would have been around early XX/XX/XXXX. The Mobile Application representative stated they could not resolve the issue and to call their One Stop Sales Unit, which I did on XX/XX/XXXX. The representative at the One Stop Sales Unit was confused and did not know how to search for the offer clearly, saying too that often the offers are for holding money in the account for 90 days or more, and provided essentially no clarity or guidance. 

I withdrew {$3000.00} of the {$5000.00} I had held in the account since XX/XX/XXXX on XX/XX/XXXX, my first withdrawl from the account. I am concerned as Citibank has been very unclear on when my deposit bonus will be depositing, as that is {$5000.00} I could be storing in other accounts that actually provided material interest income ( which are generally well over 1.7 % at the moment compared to Citibank Basic Checking 's essential zero interest ). Furthermore Citibank makes it extremely difficult to get any clear, definite answers on the matter as neither their chat representative nor their One Stop Sales Unit personnel have any meaningful knowledge on how to handle the 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 2023-06-04
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:
please help me resolve these issues I have with the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
my name is XXXX XXXX XXXX XXXX XXXX adress XXXX XXXX XXXX XXXX ny XXXX 2 years ago I opened an account with the robin hood application. For several times my shares were increasing the figure, one morning in XXXX of the year 2021 8 month ago I got up when I opened my Robin Hood account I observed that I have XXXX extra dollars in my account, actually I thought that my shares had increased the value of the cost, because not having much experience with the application, I never looked at where that money could have come from, being in my account I get XXXX dollars the same day hours later I receive an email saying that my account is deactivated because a The deposit was put in my account with the name of another person which I don't really know what happened, then robin hood asks me for information about me such as my social, state id, selfie of my self, etc. I send him all the documents they asked for after being sent All the required documents tell me that my account will be closed by law of the robin hood corporation.. I accept that they close it with the reason that they deserve my money which I had earned more than XXXX dollars. Today I still wait for my deposit which I lost several thousand dollars, my current amount right now is XXXX dollars and I lost XXXX dollars because they do not want to return the money. for the last 2 months and received several emails from robin hood where they say that my money will be deposited in 3-5 business days which has passed several weeks and they do not deposit me they are playing with my winnings and my feelings.. I have all the necessary proof to show that robin hood is playing with me i with my winnings...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter with respect to off base and obscure things on my credit report, it's been more than 60 days after the fact and I have not gotten any reacts. As of this second, consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused 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 2023-06-04
Company: EQUIFAX, INC.
State: GA
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 USC 1681. 

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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: FORD MOTOR CREDIT CO.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with FORD MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there were XXXX days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of XXXX days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: ENCORE CAPITAL GROUP 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:
XXXX and XXXX have this company on their report. XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management, File # XXXX XXXX. For a total of {$8200.00}. 
I have know Idea who they are or what this amount was spent on. I am completely in the dark on this matter. Where was this account originated. I have disputed this with XXXX and XXXX with no avail. Please Help me I have know Glue what this is for? 
XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI.XXXX I have never heard of these companies or that large amount of money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is bewildering to note that while other credit bureaus have diligently conducted their investigations and corrected the inaccuracies on my credit report, your bureau seems to be lagging behind. The disparity in reporting among credit bureaus has created confusion and frustration, as I am left to grapple with inconsistent and erroneous information that is negatively impacting my credit standing. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau immediately rectify the reporting of late payment dates to accurately reflect the status of the accounts. Other bureaus have successfully acknowledged and corrected their errors, and it is imperative that your bureau follows suit to ensure fair and accurate reporting. The presence of conflicting information on my credit report, particularly regarding late payment dates, is not only misleading but also damaging to my financial reputation. I demand a swift and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. 
XXXX XXXX XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that errors can occur in the investigation process, but it is essential that your bureau takes immediate action to correct these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). I insist on receiving written confirmation of the resolution and the updated credit report without any further delay.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, 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 2023-12-12
Company: Longbridge Financial, LLC
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XX/XX/XXXX - A request for repayment plan review was submitted via digital drop box. 

XX/XX/XXXX - At Risk Extension of Time Due to Critical Circumstances was submitted via digital drop box. 

XX/XX/XXXX - XXXX Rescission Form - 12 CFR 1026.23 ( h ) ( I ) ( ii ) Special Rules for Foreclosure, 2011 Ca Civil Code 1688 & 1689 ( I ) ( 3 ) ( 6 ), Consumer Protection Act section 125 ( b ), UCC 3-305 , 3-306, 5-114, 8-503. delivered by digital drop box the same date and by express mail.

Information regarding an escrow account opened in 1983 that was conveyed in the reverse mortgage paperwork has been requested several times.

No response to any of the above requests have been answered. 12/7/23 activity of the account shows " Liquidated and held for sale. '' What was liquidated? And considering that the only response to the billing error was vague and gave no actual evidence of their investigation, I don't accept that. The right to rescission was never disclosed per law at signing. The rescission form that was submitted to the company was never acknowledged. It has been well over the twenty day period allowed for a response. The rescission is considered accepted by law. They do not have the right to liquidated or sell anything. A lawsuit for damages will be filed with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: SD
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:
My name 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 2023-06-04
Company: EQUIFAX, INC.
State: AZ
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:
hard inquiries on my credit report with no permission, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and TransUnion are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.

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 2023-02-26
Company: WELLS FARGO & COMPANY
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:
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, i have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. i demand the accounts listed below be removed because Accordind to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permission to furnish these accounts XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: ID
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:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX   XXXX  XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 and 11 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a letter sent out to me that said I could settle an account on my Credit Report for XXXX XXXX XXXX. It was in Collections, and by setttling it ; it would move out of collections and be closed within good standing. It updated ( good standing ) on 2 reports, was sold to another lender though, and. Im having an issue getting XXXX Credits Report updated, Its returned back on other reports, like Credit Karma, and now Im having it difficulties getting it removed from the collections section ; paid off, and showing in good standing. I had disputed it too soon at first, unaware of what it was in XXXX. Because of that XXXX wont allow me to ever dispute it again, and its impacting my score terribly on that particular Credit report, and now all of them as this new lender cross paths as I settled and paid it off, and is placing it back everywhere it seems

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 2021-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt validation letter was sent and none of the answers to validate the debt was answered.

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