BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I saw a promotion on citi.com when I logged in to see my credit card information ( I have two citi cards ). I was presented a promotion that if open a XXXX  XXXX XXXX XXXX savings account, after 60 days I will get XXXX XXXX miles. Since I have a Citi AAdvantage credit card, this is a very attractive offer. It was a tiered offer. I selected the offer to earn XXXX AAdvantage miles after depositing $ XXXX in a Citi 's savings account. I opened the account and moved $ XXXX into that account on XX/XX/XXXX. I think it was in XXXX that I noticed that I still haven't received the miles. I called Citi and I was told that I need to allow 90 days after the 60 days to get the miles. So the agent told me to wait till after XXXX. I checked on XX/XX/XXXX and the miles still didn't get credited. So I called Citi again. The agent checked my account and said she will open a case because everything looks right and she doesn't know why the miles weren't credited. She said there may be something wrong with the system. So she ordered an investigation and said it will take 5 days. I checked my Citi account on XX/XX/XXXX. An electronic letter was sent to me. It says that my account was not associated with this offer. So I must present some proof that I received this offer. But Citi should know that I got the offer because they presented this offer to me, and I have no paper trail to present since it was online upon login. Also, it was not clearly disclosed that I had to wait another 90 days after the initial 60 days. This savings account has a low APY of XXXX. My other savings account with another bank is at XXXX at the time, and now at XXXX. I lost the higher interest and didn't get what was promised to me. That is completely cheating behavior. They are ripping off customers. Also the agent said that I could have moved my money away after 60 days but that was not disclosed either. This is typical big bank behavior to rip off their customers.

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 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing a car online from a reputable website XXXX The seller mentioned i could transfer half of the funds to him to secure deposit and for me to pick up once completed. 

He mentioned to use XXXX for the money transfer and at first I was worried about it but then realized it was a bank to bank transfer so i figured it was ok since the bank would have his info on file. 

I sent {$2500.00} to pay for car and then never heard back from the seller until he did say he received money. This was on XX/XX/2019. 

I tried calling Bank of America to cancel or hold funds and they said they couldnt because it had already went through to his bank. I thought since it was bank to bank transfer from BofA to XXXX XXXX that they could manage and guarantee fairness and legitimacy of it users like 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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed the information you listed on my report : XXXX XXXX CT CA XXXX # XXXX : Unverified information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2019-07-23
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2011 a master promissory note for a federal parent plus loan was filled out using my information and signed by my ex-wife. I have the master promissory note and an application for a note using the same e-mail and phone number used to sign the MPN. This e-mail and phone number belong to XXXX XXXX and I can prove it. I have attempted to speak to Great Lakes student borrower about this and have been ignored and pushed off to the federal Board of Education. I have worked on this for a year and it is still being reported as my debt when I can prove I did not sign the promissory note

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account 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 a 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022, Ive discovered that Equifax has furnished unlawful items on my consumer report with out my expressed written permission. I did not give Equifax written permission to furnish the following accounts per Section 604 ( a ) ( 2 ) of the FCRA : XXXX XXXX XXXX ( # XXXX ) ( {$26000.00} ), XXXX XXXX XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( # XXXX ) or any other provided in the attached documents. The reporting of these accounts are unfair and an invasion of my right to privacy as they are required to respect per Section 602 ( a ) ( 4 ) of the FCRA. Equifax reported multiple items and information that law says should be EXCLUDED from my consumer report all charge offs and collections per 15 usc 1681a ( 2 ). These unlawful acts are effecting my ability to live and grave injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Consolidated Recovery Group, LLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit report dated XXXX XXXX, XXXX provided by XXXX showed Consolidated Recovery for two accounts showing on my XXXX report. Those accounts numbers were account # XXXX and XXXX. As of XXXX XXXX XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XXXX/XXXX/XXXX. This means that XXXX/XXXX/XXXX would be the correct Date of First Delinquency. As of XXXX/XXXX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. Consolidated Recovery, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XXXX. From XXXX until the time that I filed the dispute with the credit bureaus in XXXX XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from Consolidated Recovery. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XXXX. They are reporting a date in XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent XXXX so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually Consolidated Recovery that is reporting the accounts to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 12 CXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : 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, has violated my rights. 


1

5 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My last visit to XXXX XXXX I was told in an inadvertent way that I should make a small purchase once per year or the store will close my credit account. I thought about what the lady said and the next day I call to discuss and I asked the customer service person to confirm if what the lady was stating was true. The last confirmed it to be true. I said I might as well cancel, if I am going to be forced to something. They reported on my credit that it was closed by the store and it was not. My credit score was affected, which caused me to receive a slightly higher rate on my auto loan. Can you please assist with the matter. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX Keeps Selling An Alleged Debt To 3rd Party Collection Agencies To Try And Collect. I Have Never Done Business With Commonwealth Financial Systems, Nor Have I Ever Entered Into Any Agreement With Them. I Have Disputed This Debt With Commonwealth, It's Been Over 30 Days And I Have Not Heard Back From Them. The Law States They Have 30 Days To Respond And They Have Not. I Need This Alleged Debt Of A Petty {$60.00} To Be Discharged Immediately And Removed From My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: WA
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:
Looking over a credit report from XXXX, I saw that there was an address included that was incorrect. I believe I reported that to XXXX, but when I recently received a credit report from XXXX, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that Experian and XXXX XXXX XXXX have no shame and are clearly illiterate. Experian 's initial response XXXX Report number XXXX XXXX to my prior complaint is filled with inaccuracies and personal information that does not belong to me. Going forward I am not going to do their job for them ; I expect true due diligence from Experian. 

Even if XXXX XXXX certified the information is correct ( it isn't ), a quick look at the remainder of my file would reveal that it is replete with information about another individual, XXXX XXXX XXXX, in the personal information section. 

This sad pathetic circle XXXX  engaged in by these two companies has to be resolved by them first before I begin to dispute every XXXX item that is incorrect and illegally reveals another 's personal information to me. 

Here 's my suggestion. Figure out what information belongs to XXXX XXXX XXXX and his spouse, separate it from XXXX XXXX XXXX XXXX 's information and then submit that to both parties for verification. You owe us nothing less.

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 2021-07-11
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, My account is not past due. In fact, this is a clerical error that I have asked your company to fix several times, you have refused to do so. 

Again, here is the issue that needs to be fixed : 1. I purchased an {$80.00} corset with my credit card 2. I returned the corset before the billing date 3. The return was not reflected on my billing statement because, according to your company " It takes 3 weeks '' I was told the balance would be {$0.00}, but instead I was charged a late fee.

4. The {$80.00} charge was removed from my credit card bill, but the {$40.00} late fee remained.

I don't owe anything. I returned the item. I was told the balance would be {$0.00}, but instead I was charged a late fee.

This is not something I can change on my end. Your company has to fix this error.

I've reported you to The Federal Trade Commission ( FTC ) You should hear from them soon.

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was permanently suspended and they give me no way to contact a human being on the phone and get my funds that were in the account. They gave me no explanation or reasoning other than I may have violated the member agreement. Which I know I have not so I dont understand whats going on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
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: Information belongs to someone else

Complaint:
It has come to my attention that when files are supplied together with an FTC fraud report, the Credut reporting agencies do not block them. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my paperwork to my attorney to begin a legal case if the Credit Bureaus decide not to block the items listed below that are reported incorrectly as a result of identity theft. Please obey the law as it is not my goal to file any legal claims. The following articles should be taken away since they were opened without my knowledge or consent and are fraudulent : XXXXXXXX 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 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 2017-10-28
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
For the last week they have called me five times a day every other day. 
Starting on XXXX16 and continuing up to today. 

I dont answer because its been getting overwhelming with the amount of calls and they never leave a message.

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