BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Citibank calls their new credit card as Costco Anywhere Visa card but the " anywhere '' is an oxymoron and deceptive marketing. I do n't remember reading a foreign transaction fees in the card holder agreement, however it is not mentioned on the webpage that lists the benefits of the card. 

While I was in XXXX earlier this month, I used this card more than the other credit cards, since the foreign transaction fee did neither show up on the use of the card, nor the same day, nor the next few days. The foreign transaction fees showed at the end of the month on the billing statement. Which to me is unethical as the transaction should have shown as soon as the card was used. I did have other choices, but was misled by the " Anywhere '' name on the card. If it were truthfully an Anywhere card, the rules and regulations should be the same. Or at the least, I should have got a warning or alert of some kind as soon as the card was used or by the close of the business day. 

On a side note, Citibank is suing XXXX for gratitude as a variation of " thank you '' to their customers, even though the XXXX businesses have nothing in common and they have unique customer base. 

My perplexity is about the deceptive marketing and use of oxymoron in the name or in the terms and conditions.

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 2017-03-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Got screwed by Citibank on the {$400.00} bonus Checking account promotion. It was been almost 5 months since I opened the promotional account but I 've not received my {$400.00} bonus. I have contacted them many times and even though they insisted multiple times on the phone that i was eligible for the bonus and had met all the terms/requirements. The one supervisor I spoke to told me it was be credited on XX/XX/2017 but now it 's XX/XX/XXXX and I still have n't see the bonus credited. They filed an investigation/dispute on my case to research on why I did n't get the promotional bonus. Why would they need to file a investigation/dispute for a promotional bonus? Very nonsense!! I called again yesterday and the Rep told me there was a letter mailed out to me saying I did not qualify for the promo which was ridiculous. Every time I called, they tell me different thing. Very inconsistent. They are not promising what they promoted which felt like a scam to me. I will be closing my account this week. I 'm not going to waste anymore of my time arguing with them back and forth. This was my first time opening an account with Citibank and would definitely be the last time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
The XXXX XXXX " divorce '' from XXXX and changeover to a Citi Visa card was badly botched. When I went to XXXX to complain there were hundreds of people in front of me. I paid my XXXX card in full on XXXX XXXX but when XXXX switched the account to Citi they did not include my payment. Citi told me to stop payment on my check, which I did. Then I paid the full amount to Citi ( check has cleared ). Now Citi claims I owe them $ XXXX in interest charges. I explained what happened but they are unwilling to help. The manager at XXXX has been understanding and helpful but the issue is still not resolved.

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 2022-01-31
Company: SUNRISE CREDIT SERVICES, INC
State: DE
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:
I have been disputing a collection account that has been reporting to my credit report. I have reached out to the collection agency and was only able to speak with someone about the account once, after attempting to speak with them again I have been told someone who return my call and never did, I assume this was a stall tactic, I also filed a dispute with XXXX itself who stated that the account was verified as accurate, in which it was not because it would not be on my file. I also reach out to the original creditor ( XXXX ) who informed me that there is no record of the account has it has a XXXX balance on my account. Federal law states that all information should be reported accurately .I am tired of the back and fourth, I requested debt validation and have yet to receive anything violation violation violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America overdraft management is ridiculous, they delay any transfer received from another bank in order to charge any type of fees, obviously this abuse just happens with the pour people

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi ***SEE ATTACHMENTS WITH SUPPORTING DOCUMENTS**** I was reviewing my credit again early this morning and notice that you continue to report incomplete and misleading information on my personal info, old addresses thats not required by fcra, variatios of misspelled names, phone numbers, and inconsistencies with the 3 accounts below. 

Its my understanding that youre company or organization needs to keep solid and 100 % accurate information on my credit and anything otherwise, its a violation of fcra and consumer laws. These accounts and negative info is NOT in COMPLIANT with the laws and they need to be removed. Its impossible that you actually investigated these accounts because they are still reporting different dates of last active, different dates of last payment, different payment status and history, etc. 

How is it possible that one credit bureau deletes the item or stated that I paid one-time and never late, but you continue to report inconsistent and incomplete information? How come I disputed these accounts before, but the account status was never updated.?!? How come nothing legally was sent to me to verify the account? Saying that you verified this account as accurate, is a binding legal agreement that you follow all the protocols. Well, you didnt because its still showing those negative things on my credit and Ive ccd cfpb and ftc on this matter. I demand that you delete them all ( 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 explanation
Consumer complaint received 2022-01-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In order to purchase furniture from XXXX XXXX in XXXX XXXX, Texas in XXXX of XXXX they required me to apply for their XXXX XXXXSynchrony Bank Credit Card in which I did. I soon paid the entire amount off within a couple of months. I also purchased some lamps and end tables and immediately paid those off as well and have never used that credit card again. In XXXX of XXXX I received a bill in the mail from this credit card in the amount of around {$130.00} or so. I called Synchrony to inquire as to why I was receiving a bill since I hadn't used this credit card at all since I had purchased my furniture and paid it off. The synchrony representative told me that it was for a purchase that was made at a store called XXXX XXXX in California. I explained that I hadn't used this credit card anywhere but at the XXXX XXXX in XXXX XXXX and that I had paid the card off in full within a few months after purchasing. I live in the XXXX XXXX area so why would I go to California to purchase something. It didn't make sense. She told me that the items purchased in California where delivered to my address but she could not provide my address to me. I filed a fraud claim with synchrony 2 times and they denied it 2 times. The third time I filed another fraud claim in XX/XX/XXXX the representative assured me that she could see that it was fraudulent and she was going to get it removed from my account. She said she was going to send me a blue form that I needed to fill out and sent right back in. When I received the form in the mail the due date had already passed but I filled it out and sent it in anyway. Today, XX/XX/XXXX I received another bill in the mail from Synchrony. This time it was about {$9.00} less. None the less, they did not remove the fraudulent charge from my account and this is affecting my credit. I called them again today and no one at Synchrony can seem to help me. They just keep telling me that they will submit another fraud claim and they keep rejecting it. I can't get anywhere with anyone and I need help. I absolutely did not make this purchase and I will not pay for fruadulent purchases illegally made on my credit card in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XXXX/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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 2022-01-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
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 to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back as of yet so over 60 days. im a human and i expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus but this is not an excuse to treat consumers this way.

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 2022-01-31
Company: EQUIFAX, INC.
State: NY
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, the following information reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. 
Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-05-10
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Southwest Credit Systems is trying to collect a debt for XXXX XXXX which is not mine. The person whom they are looking for has a similar name but different social security number.I have received harassing and threatening calls and they reported the false information to XXXX This derogatory information is preventing me from closing on my new home. It 's frustrating and unfair. As a consumer I feel powerless, how can I protect my credit from such situations. I have contacted Southwest Credit Systems several times and although they have admitted the social security numbers are different they refuse to remove the false information. The XXXX has contacted the company 5 times and each time Southwest Credit Systems ignored their letters and email. XXXX is also currently waiting to hear back from Southwest Credit Systems but they have yet to respond to them. I do not know what else to do. All I am asking for is a letter to clarify that I am not who they are looking for so that I can close on my home and go on with my life.Please help me!!!

Company response to consumer: Closed
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NJ
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:
Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2015-10-22
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuous phone calls sometimes XXXX XXXX XXXX daily 7 days a week. From various numbers. Have never sent Paperwork or documentation. Which should have been sent within 5 days of first call. This has been non stop harassment for months. Calling XXXX which is home phone. We only use this phone to track calls. And save call history. I use my cell phone for all calls. Due to harassment such as this.

Company response to consumer: Closed with non-monetary relief