BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: CORELOGIC INC
State: CA
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, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my 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
Consumer complaint received 2023-05-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an hard inquiry I don't recognize from Comenitycapital/Biglots credit. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up complaint to the previous complaint, XXXX. Attached is the solid evidence proving that Citi owes me {$700.00} bonus that was due on XX/XX/XXXX : 1 ) the letter from Citi XXXX to my wife, dated XX/XX/XXXX, acknowledging the eligibility of {$700.00} bonus for her account. I opened the same type of account, on the same day ( XX/XX/XXXX ), with the same Personal Banker ( XXXX XXXX XXXX, with the same bonus terms and conditions. In regards to the previous account that their XX/XX/XXXX denial letter mentioned ( account number ending in XXXX  that I closed on XX/XX/XXXX ), my wife and I, again, separately opened the same type of account, on the same day ( XX/XX/XXXX ) and closed them on the same day ( XX/XX/XXXX ), so they paid my wife but won't pay me, 2 ) four records of new funds I deposited and transferred to Citi, {$10000.00} from XXXX XXXX XXXX on XX/XX/XXXX, {$5000.00} from XXXX  XXXX XXXX  on XX/XX/XXXX, {$5000.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and {$5000.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. To avoid further delay, on XX/XX/XXXX, I went to Citi XXXX XXXX branch in XXXX XXXX Nevada and submitted another W-9. 
What my wife and I noticed through fighting for three unpaid bonuses is the Citi 's repeated pattern of dishonest, deceptive, bait-and-switch, and unfair business practice with their bonus promotions. The bonus denial letter I received on XX/XX/XXXX is the same template my wife received in XX/XX/XXXX. Their dishonest, deceptive, and unfair business practice follows the same pattern : a ) the branch offers a bonus, b ) Citi doesn't pay the bonus as agreed, c ) customer complains, d ) Executive Response Unit sends out a template letter with a fine print terms and conditions ( the same the branch 's Personal Banker follows to check for bonus eligibility ), e ) Citi requires the customers to keep the minimum of {$5000.00} daily account balance to avoid monthly maintenance fees, and f ) requires the account to be open to receive the bonus. Additionally, the ERU did not respond to me within the XXXX calendar days they mentioned in their email after I sent them a rebuttal email. So far, our experience shows that they keep our funds for additional 60 days on top of required timeline for the bonus. During that time, Citi deprived us of interest we can earn elsewhere and refuses to compensate. I am XXXX XXXX XXXX and heavily rely on the interest and bonuses to supplement my social security income. This dishonest, deceptive, bait-and-switch, and unfair business practice must be investigated to protect the consumers.

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 2023-05-30
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I co-signed a vehicle for my sons dad the car company that sold him the car knew the car was a bad car. The tires went out on the car a week after he got it and the loan that was taken out for the car was way too much. I was not physically there at the dealership with him to know that they allowed him to leave off their lot without having insurance on the car or how much the car actually was. If I was I would have never e-signed for the loan. Now the car is totaled and it is stating that there is insurance on the vehicle but he never put insurance on the car and neither did I. I have been asking the lender for information or to just take my name off of the loan because it is affecting my credit but no one is trying to help me. A lady I spoke with over the phone told me that someone from the dealership physically told her that he was going to get XXXX  on the vehicle when he got home but he has never had XXXX  ever in his life. I am looking for some help because I believe that there were some type of fraud that was done with the process of him speaking with the dealership and them helping him get plates and insurance for the vehicle that was never provided to the lender company for them to even get the okay to give out the loan. I have spoken to the owner of the dealership and she suspects it to be some type of foul play on their end as well. But she has still yet to contact us about whatever information she was suppose to be looking for or calling around to see what and why we still havent received any information about the license plate being bad or non-transferable after the accident.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2023, Transunion told me they got my information and the dispute letter I sent to them, but they did not investigate it since they thought it was not authorized by me, but rather a credit repair company. 
On XX/XX/2023, XXXX also sent me a letter thinking it was not authorized by me, the dispute letters I sent them, so this is becoming unfair because I AM the individual writing out these letters and wanting information sent. 
Transunion XXXX XXXX has been bullshitting me for months and I am getting angry and really annoyed with them because my rights as a consumer are being played with. How is it within my rights to challenge something or anything of that matter that I feel is wrong but every time I get the same letter back from them. 
Please advise and help me fix this, 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: VA
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:
11 months ago ( XX/XX/2022 ) I opened a " Wells Fargo XXXX XXXX XXXX '' with Wells Fargo, specifically to take advantage of a promotional offer that was advertised with 0 % interest on transferred debts for one year. Based on this promotion, I transferred my existing {$10000.00} debt to this new credit card. However, I recently discovered that instead of the promised 0 % interest rate, I have been charged OVER 20 % interest for the past year. 

I contacted Wells Fargo 's customer service department to resolve the issue and was informed that I did not qualify for the 0 % interest rate promotion. However, the reasons for my ineligibility were not clearly explained to me, and I was told nothing could be done. 

The extra interest charges I've incurred due to this misunderstanding have placed a financial burden on me. I believe there has been a lack of transparency and total miscommunication by Wells Fargo.

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 2023-05-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
It's been over a year that I have been trying to get Experian to have my correct address on my credit report. I have only lived at XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX, for over 20 years. They have consistently placed new fraudulent addresses on my account. Even after numerous calls and disputes they still do it. They are not listening to the consumer. They are not investigating any disputes I send them.

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 2023-05-30
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. This is not my legal name and this company has unlawfully been ruining my credit. They don't have my signature and I never received any documentation stating I had an account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Paramount GR Holdings, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
We purchased a solar system for our home XXXX of 2021 from XXXX XXXX XXXX XXXX XXXX Upon installation we had problems, the system never worked. I made phone calls and inquired and they assured me everything should be fine and it may take a few months to see a difference. I waited patiently for about three months and still nothing, I tried calling again and they said they were waiting on approval to operate which took another three of four months. Approval was granted and still my bill never decreased. I called again inquiring and once again they told me everything was working fine. This charade continued happening until we received a letter stating the company filed for XXXX XXXX XXXX. We have never had a working system and have been paying on this system for over a year without and product that actually works. I have tried contacting XXXX  and we are on a XXXX people waiting list. I have contacted contractors and no one will touch our system, so I am perplexed and do not know what steps to take. We are still making payments as we do not want our credit to plunge. We have no problem paying the payment, but would super like to have a functional system. 
our loan is for XXXX dollars and we were supposed to get XXXX, XXXX of that back which never happened with taxes.

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 2023-05-30
Company: Credit Karma, LLC
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:
On XX/XX/2023, Credit Karma reported a 114 % utilization rate on my XXXX XXXX when it was at 10 % causing my score to drop and furnishing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
trans union XXXX XXXX has not deleted the XXXX account. the posted information has been on my credit reportes and should be removed and deleted from all 3 credit bureaux.

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 2023-05-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
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:
CITIZENS PAY CREDIT LI 1 LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY XXXX  Status XXXX. {$130.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THD/CBNA 2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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 2023-05-30
Company: WELLS FARGO & COMPANY
State: VA
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:
AS OF XX/XX/XXXXXXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE WELLS FARGO DEALER SVC 4 LATE PAYMENTS Balance details 2 % paid off Balance {$47000.00} Balance updated XX/XX/XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$2400.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Past due amount {$2400.00} Original balance {$47000.00} Monthly payment {$760.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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 2020-05-21
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 status incorrect

Complaint:
This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XX/XX/25 someone using my information in XXXXXXXX XXXX tried to open a credit account with Community/Ultra credit card XXXX 
a XXXX pull was done with XXXX credit bureau and was unsuccessful. 
We have notified each credit reporting agency and desire the hard pull be taken off as it is fraudulent.

Company response to consumer: Closed with non-monetary relief