BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear officers in charge of this matter : I am here to report a potential fraud committed by CITI Bank by luring people to open account for bonus then decline what they have been offering. 

What happened with CITI : 1. I saw their sign-up bonus offers on their website, quote : Open a new checking account in an eligible account package from XX/XX/XXXX through XX/XX/XXXX and earn a cash bonus of up to {$2000.00} after completing required activities. Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the XXXX day to unlock your bonus. 
2. I deposited {$300000.00} ( $ XXXX on XX/XX/XXXX and $ XXXX on XX/XX/XXXX ) and kept the money there until now aiming to get that {$2000.00} bonus in XXXX XXXX. 
3. XX/XX/XXXX, their customer service declined my bonus even though I followed exactly what they required in their terms and conditions on their website. ( see details from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Communications with CITI Bank Customer Service : 1 XXXX First week of XX/XX/XXXX, confirmed with their online-chat representative that I was successfully enrolled to earn the bonus. I thought I could rest assured until XXXX payday. 
2. XX/XX/XXXX, called 2 different customer support regarding the bonus payday and both said I was not enrolled. Same day, I also chatted with 2 online representatives and they kicked me around and said there is nothing they can help. 
3. Their customer supports people are not based in United States and they DO NOT even know this bonus offer is still on their website!! They kept asking me to provide an Email invitation code to get the bonus but the offer on website stated very clearly that all I needed to do was to APPLY online! 
4. Citi customer support said I will receive an email about this dispute yet NO email was sent at all! 

For now, I need to get a confirmation email from Citi Bank and confirm which day I would be paid that {$2000.00} bonus for keeping {$300000.00} for so long. 


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 explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and I noticed hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: OK
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:
Inaccordance with the Fair Credit Reporting Act XXXX has violated my rights in 15 u.s.c section 1681 sections 602, 15 u.s.c section 604 section A2 also states a consumer reporting can not furnish a account without my written instructions, they also violated my rights under 15 u.s.c. 61 81 section 611 5 the law clearly states if items are found in accurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint XXXX of this year. After waiting almost 3 weeks longer than I was promised, I received my check without my name on it. Only my business name. I took the check to the cash checking place near my home because they offer to cash business checks. I bring in all my paperwork and verify everything. The woman working there is required to call the bank and verify the check. She couldnt do that because TD bank decided to do exactly the opposite of what they said would be done. My account is still frozen so the customer service rep on the phone for TD Bank told her do not cash the check. I attempted to do an ATM deposit at my local XXXX XXXX where i bank personally. The atm took my check but then sent me a notice that the check looks fake and to request another from the business that provided it. I have called the number provided from the first complaint time and time again with no answer or response to my voicemails. This is pathetic. It has been over a year and my money continues to be tampered with and now theres no response from the bank at all. This is disgusting and the establishment should be embarrassed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX2019 my XXXX XXXX bankruptcy was discharged. According ton the US Bankruptcy Court XXXX XXXX of Michigan this information shouldn't be displayed on my credit report. Ive sent letters and proof from the bankruptcy court but they refuse to removed. This information is improper use of my credit report.

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 2022-04-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXX 's XXXX XXXX  Account XXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I was on a payment plan due to me missing a payment because I was out of work for XXXX. I called U.S. Bank and asked to get this late charge removed from my account. Representative refused to do so.

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 2022-07-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
The account with TD BANK was close a long time ago, and this month I received a letter from a debt collector telling me I'm still owes to TD BANK. TD BANK closed my account automatically when i recently open the bank account with them, i haven't any access to that account and also. 

I don't understand what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXX 's XXXXXXXX XXXX Account XXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991

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 2022-06-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-12-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, Im hoping you can assist with a credit card account reconciliation for food purchases on my Chase Sapphire Reserve card. My husband was stationed, as a XXXX, on a XXXX XXXX base in XXXX. While our food purchases on the XXXX XXXX base were transacted in XXXX dollars, we did not receive XXXX points per dollar at restaurants ; instead, we received XXXX point per dollar. The restaurants included XXXX XXXX, XXXX, and XXXX  ( see XXXX for evidence of a restaurant ). 

I called Chase regarding this issue in XXXX and they were able to credit my account with the difference of points for the XXXX calendar year. However, Ive been trying to have the same review performed from XXXX ( approximately XX/XX/XXXX ) to XX/XX/XXXX ( when we returned stateside ) and am not receiving any assistance with this issue. 

I have contacted Chase multiple times without resolution - as noted on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

My husband is in the same situation with his credit card, so I will submit a separate request for his card as well. I appreciate any help! 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-30
Company: Kason Credit Corporation
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
TD Bank XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX RE : XXXX XXXX Account Ending : XXXX In XX/XX/XXXX, I purchased a XXXX  item, which included a promotional 12 month XXXX subscription and financed that item with XXXX XXXX through TD Bank XXXX The item was purchased using a twelve month no interest promotion through TD Bank. I made consistent timely payments on the item throughout the twelve month agreed upon time frame. The bill that I received in XX/XX/XXXX showed a total balance of {$150.00} due on XX/XX/XXXX. I made that {$150.00} final payment to you on XX/XX/XXXX which should have completed any financial obligation to TD Bank for XXXX XXXX After I made that final payment, I received a bill from you, TD Bank, with a new balance of {$430.00} due on XX/XX/XXXX. I immediately contacted TD Bank to correct the erroneous charge. A case ( Case # XXXX ) was opened by TD Bank XXXX On XX/XX/XXXX, I received notice from TD Bank that research was being conducted concerning my issue. I also contacted XXXX on XX/XX/XXXX, and spoke to XXXX, to notify XXXX that I did not wish to renew the XXXX subscription. On XX/XX/XXXX, I followed up with XXXX and was assured that the charge would be removed. 

On XX/XX/XXXX, I received notice that you found insufficient evidence to support my claim. Per your findings, you say the merchant provided signed sales receipt and/or delivery confirmation. You also found that payments were made on the account from XX/XX/XXXX to XX/XX/XXXX. Please note that I agree with the statements that you made and that this was not my dispute. I did receive the merchandise that I ordered and made payments for the agreed upon amount. My issue, again, is that I DID NOT AGREE to renew a subscription with XXXX  and TD Bank. Furthermore, I immediately took actions to have the unauthorized renewal charges removed. XXXX and TD Bank both disregarded my request as the customer, prolonged my suffering and has continued to bill me for an unauthorized renewal. 

I received a XX/XX/XXXX statement from XXXX XXXX with the {$430.00} charge still on the bill, although it was noted on the bill that the amount was disputed. On XX/XX/XXXX, I again followed up with XXXX in effort to have the unauthorized subscription renewal removed. I spoke with XXXX, who now says that he can not remove the charge. 

Once again, I am requesting that the unauthorized renewal amount of {$430.00} be removed and you cease and desist any contact with me regarding these unauthorized charges. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. XXXX tracking number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Macys stated that I called to close my account this is not True I never called to close my account. I only called Macys when I knew my card was not working and they informed me that my card was closed. Macys had No reason to close my card. Macy should have verified with me before closing my account. Macys and XXXX try to pull my credit when I have a security freeze They should have called me in my number and Verified if I did the Credit inquiries.but they did not. They violated my privacy act. The following are the Credit inquiry dates. 

XXXX XX/XX/2022 XXXX XX/XX/2022 2022

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 2022-07-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, A message was passed to me regarding a phone call to phone number XXXX. They called on XX/XX/2022. 

From phone number XXXX EXT XXXX Female debt collector who would not leave her name, left a message on a voicemail with a 3rd party and then spoke to unauthorized and unverified XXXX party, verbally threatened " if XXXX does not call me back by XXXX tonight, I'm turning this over to my lawyer. This is regarding her XXXX Credit Card account ''. 

When 3rd party asked her name, she said " M '' sound but could not understand what her name was, as though she purposely muffled the phone. 3rd party asked again, debt collector gave the same " M '' sound then muffled the phone. 

Please investigate this debt collector as I feel she is using unfair and bully tactics that violate the CFPB and FTC. 

I can be reached at XXXX, my name is XXXX XXXX. Email preferred, XXXX Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account is paid

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 2022-06-30
Company: LoanCare, LLC
State: KS
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:
LOANCARE SERVICING XXXX XXXX XXXX Maximum Delinquency Note Maximum Delinquency of 30 days in XX/XX/2019 this is not accurate although the company updates my info this inaccurate info remains

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 2022-07-28
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Considering the way I've been treated, I wish no further communication with American Express, XXXX XXXX XXXX, or the State of Utah. 

It looks like the Consumer Financial Protection Bureau was " ethical '' enough to identify me for you themselves. 

Close the American Express savings account ending in XXXX immediately or I'll refer this to the SEC or any other regulatory body handling banking -- alternately I may file suit. ( cost to taxpayers, my time, etc )

Company response to consumer: Closed with monetary relief