BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft when my wallet was stolen. Someone went out and bought a bunch of cars and credit cards in my name and then didnt pay for them and now my credit is messed up. XXXX and XXXX complied and removed the accounts but equifax is not removing the XXXX accounts that are not mine. I have a police report and the vin numbers for some of the cars are on there. I need these accounts removed asap as it is ruining my credit. I have spent several months on this and they are not following the FCRA 605b. The police are investigating the persons they believe did this. Their names are XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Four months ago, I applied the CITIGOLD account with the promotion of XXXX AA miles. Before applying, I double checked with their representative if I 'm qualified, they told me yes, I 'm totally qualified. According to their policy, they should give me XXXX AA miles at the beginning of this month, but they did n't. I called them several times this month, the representatives checked and told me I 'm qualified for the promotion and they should have given me the bonus of XXXX XXXX miles. In the meantime, they told me they 'll go ahead and deposit XXXX XXXX miles to my XXXX account within 48 hours and they 'll email me about this. But I waited for a whole week, nothing happened. Then I called them today, they let me provide the proof that I 'm qualified for this promotion, which is ridiculous since that 's four months ago, how can I keep the proof with me? I receive lots of mails everyday!!! They said if I do n't have proof, then they 'll review the case and it 'll take 30-60 days. I feel like they do n't want to give me the bonus anymore, they 'll take one or two months to deal with this and I do n't even know the result. I feel like I 'm fooled by them. I googled and found out many customers are in trouble with this like me. I really do n't know what to say.

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 2022-06-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is reporting an account under my social security number as XXXX. I have no knowledge of this account, and they are reporting that I have an unpaid auto loan with a {$19000.00} balance. 

The account also does not have any contact info regarding who the car loan is from, and there is no way for me to reach them by phone, email or mail based on Experian 's reporting. 

Companies are required by law to investigate disputed information. Being that there is not a valid form of contact under this negative tradeline, or a valid account name being reported I can not exercise my rights afforded to me under federal law to dispute this account. If Experian does not have any valid information regarding who the creditor is, or where they are located, it is impossible for them to complete a fair investigation into my dispute. 

Experian is in violation of the Fair Credit Reporting Act 15 USC, and if they do not delete this negative tradeline from my credit report I will use all legal remedies that are available to me against 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 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
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 ; XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account # XXXX ; has violated my rights .

15 U.S.C 1681 section 602 A. States that 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 2016-01-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several medical accounts that appear under my credit report that is being reported by each credit reporting agency. These medical bills are under collection by XXXX XXXX that do not belong to me. I have tried reaching out to the original creditor to inform them that this information is not true and does not belong to me. They are not able to prove any physical evidence to include legal documents that belong to me. This information is damaging my report and is hindering me. Please ask that they prove or remove this false information. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Chime Financial Inc
State: MO
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 opened a chime credit builder in XXXX 2021 it kept giving me negative marks so I called at the end of XXXX and canceled the credit builder but kept my banking ( that does not go on my credit ) I was still getting negative marks and showing that the account was open. XXXX and XXXX closed it but XXXX has not. I have been disputing this since XXXX they removed the marks last month and then let it happen again this month. I called chime they confirmed the account is closed but when I called XXXX they say it's opened so I started a new dispute which would be my third one. I have been working on my credit since XXXX and this account has significantly damaged it even though there was no late payments and not that it has been closed for months it still is damaging my credit and niether companies has helped any time I have reached out to them. I have documentation on everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: CO
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:
sent letter to the three bureaus XXXX, experian, and XXXX on XX/XX/2022 and XX/XX/2022 and havent got a response yet. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove it from 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 2022-06-02
Company: EQUIFAX, INC.
State: CO
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:
sent letter to the three bureaus XXXX, XXXX, and equifax on XX/XX/2022 and XX/XX/2022 and havent got a response yet. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX  XXXX  Account Number : Please remove it from my credit report. 

. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is violating federal law and refusing to remove fraudulent accounts from my credit profile. I am a victim of identity theft and unknown person has used my information to obtain credit. Equifax has my identity theft report from local law enforcement. I have requested a freeze on my Equifax credit file and that was denied as well. The fraudulent accounts are with XXXX XXXX XXXX XXXX and XXXX XXXX. I have never had an association with these XXXX companies or applied for products with them. It is unlawful to hold me accountable for accounts that I did not create, apply for, or give anyone else permission to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX/XXXX  # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted DEPT OF EDUCATION/XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed aslate on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/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 2016-05-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with XXXX XXXX XXXX XXXX XXXX XXXX even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to XXXX XXXX TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but XXXX XXXX continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH XXXX with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. 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 2016-12-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I did not get my XXXX miles bonus when I signed for a credit card. I was supposed to spend {$3.00} in 3 months. I spent about {$15.00}. Horrible customer service. I will close my account if I do n't resolve an issue. I will give bad reviews based on my experience. You have a lot of competition on the market. Do you want you image to be compromised? I will work on it if my issue is 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 explanation
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I opened a credit card XXXX years ago with CITI. They promised to give me AA rewards for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month

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 2016-04-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
In 2013 I purchased a washer/dryer from Best Buy at which time, I was told that if I got a Best Buy credit Card, there will no be finance charges for 36 months.I'eve paid he monthly payments regularly every month, the balance at this time is {$750.00}. Then today, I get a bill from them advising me that may balance due is {$1900.00}! an increase of more than {$1300.00} claiming that because I did not pay the loan in its entirety when it became due, I would have to pay {$1300.00} in interest charges. Obviously, because the loan is more than 3 years old, I forgot to check the due date, and I feel this company should have at least sent some type of warning advising me of this important date, I feel they did not do this simply wanted me to forget the date and therefore, make money from me. To me, this plain and simple extortion. I have a XXXX XXXX which means that I pay my bills, every month, and on time and I feel this charge unreasonable and should not be 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 2022-06-02
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened 24 month interest free promotional account for the purchase of appliances. I made minimum automatic payments which I thought would pay off the loan in 24 months but that wasn't the case. Also I did not receive my appliances until XXXX so I thought that is when the promotion began. Again that was not the case. So when I received a gigantic interest charge on my account in XXXX I called customer service to find out why. The customer service rep told me that if I pay off the principal by XX/XX/XXXX I would not incur any interest charges. I called XX/XX/XXXX ( today ) to pay off my principal. I spoke to XXXX who listened to the call between XXXX and I and she told me I was given misinformation. That I was lied too. So now I have 30 % interest on the original loan for 2 years that I can not pay. It is predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
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:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX/XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2016-06-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax originally reported a judgment in XXXX, the statute for reporting expired in XXXX. The original creditor filed a replevin to extend the statue of limitation for collection. The XXXX XXXX Courthouse information is automated and it is stored in there database. Equifax apparently has a system which automatically retrieves this data ; however, this date was for collection only and the information itself is a replication of information reported between XXXX and XXXX ( the statute for reporting has expired ). I notified Equifax and resolve no resolution. I filed a complaint with the XXXX ( XXXX ), still they refused to comply. I requested my attorney to send a kind letter requesting them to comply prior to my need to file a formal law suit in which I will be seeking damages as a result of being turned down for credit. I spoke with XXXX in the Consumer Affairs Department at Equifax on XXXX XXXX. He assured the matter would be taken care of by Tuesday XXXX XXXX. I followed up today, with a person who alleged that his name was XXXX. XXXX stated that there was no supervisor beyond him to speak with and that his department did not have the ability to remove the entry. He went on to say that XXXX had initiated a dispute ( which I informed XXXX not to do as this had been done with no results ). When I asked who I should I contact with authority. He lied and stated that no one else had authority. After I called him on his contradicting information. He stated he could not tell me who had authority. This is insane. If you have had 4 other complaints, I would like to get in contact with those individuals and initiate a Class-Action lawsuit. I hate to have to do that ; however, the company has hired employees who think they can tell consumers anything and that we will go away. I will not go away. Please investigate this company and assist with resolution if at all possible. Thank you kindly. Email : XXXX

Company response to consumer: Closed with explanation