BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is Reference XXXX XXXXXXXX, is the latest reference number provided me from filling out a complaint, again with the online citi checking customer service department in regards to the below complaint. 
I deposited XXXX into a new Citi checking acct on XX/XX/2023 for XXXX promotional bonus to be deposited to account in 50 days ( by XX/XX/. ) Maintaining minimal XXXX minimum balance was required which was done. Prior to setting up the new checking account and transferring the large sum of money of XXXX to citi, I had citi employee verify over the phone that I met ALL critieria for this promotion including carefully checking the dates of any prior accounts ( existing and closed ) to make sure that I met all criteria related to any prior accounts, when they were opened, etc. The employee assured me, after reviewing m files and the promotional requirements, that I definitely met ALL criteria and was qualified for the promotion as an existing citi customer. So, after she reaffirmed this to me over the phone emphatically..I went ahead and set up the new account with her and transferred the XXXX money to citi. 
Citi received and accepted my money, under this promotional offer and opened my account under this promotional offer, having full record of any/all of my prior citi accounts as well as having reviewed them over the phone prior to setting up this account for me and having me transfer the XXXX to them. Once the required promotional time passed for my leaving the XXXX balance in in the account, the bank did not credit my XXXX promotional amount. Instead they kept giving me the run around, repeatedly telling me that I had met all the requirements and were putting in a 'request ' to their 'back office ' to get the promotional amount credited to my account. Then the 'back office ' would mail me a generic letter saying that I did not qualify because I had a prior opened account within 180 days prior to the aforementioned promotional checking account being opened on XX/XX/2023. They now state that I 'did n't ' qualify for that promotion because of the prior account having being opened within 180 days prior to the promotional account. This is NOT what the employees told me that helped me set up that account, apply that promotional code to that account, and helped me transfer my XXXX 'loan ' to citi XXXX in good faith. I am not responsible for citi employee 's being properly trained, citi is.I am not responsible for 'bank ' errors, citi is. I performed in providing citi with XXXX in money for the required time and now they are reneging and not performing on what they promised me, in good faith which is XXXX to be credited to my checking account. Can you please help me? 
Thank you. 
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 2022-12-08
Company: Idaho Housing And Finance Association
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a mortgage from XXXX and closed on the property at XXXX XXXX XXXX, XXXX XXXX on XX/XX/2022. Approved for a second mortgage XXXX loan ( Down payment assistant loan ) with Homeloanserv. XX/XX/2022 made my first payment on the first mortgage to XXXX. Attempted to make the first payment on the 2nd mortgage to Homeloanserv, When I could not make the first payment on the second loan online I called the company. I was informed that the company was behind in the processing on the second loan and to wait a week to pay the first payment. After about a week i was able to make the first payment. Shortly after this it was shown online that I was late making the payment. I received a correspondence XXXX stating that the first mortgage was sold to Homeloanserv. XX/XX/2022 I contacted XXXX and inquiried about the first mortgage being sold to which I was told that it was not and made my XXXX mortgage payment to XXXX. On XX/XX/2022 I find out that the loan was sold to Homeloanserv and not wanting to be late on the payment made a oayment on XXXX to Homeloanserv to the first mortgage. The XXXX payment to XXXXwas forwarded to Homeloansev which they placed into escrow and will not give it back to me. Even though I have made duplicate timely payments to Homeloanserv I see late payment on the online account, which I want corrected and I want my duplicate payment returned to me which my attempts to get this has been unsuccessful, with Homeloanserv saying that that payment sent to them from XXXX was for escrow, even though XXXX has stated that it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect XXXX XXXX XXXX - Incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: LEXISNEXIS
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Since XX/XX/XXXX my bankruptcy was deleted from LexisNexis as of the writing of this complaint. This has not been resolved, after XXXX phone calls and letters being sent they have refused to send the letter stating my bankruptcy was deleted I have spoken to many XXXX from their company all of them have agreed and supervisor have confirmed that the other department has not sent this letter after being requested to be sent out. The case number is XXXX I have been lied to many times behind this unprofessional tactics of peoples information including mine. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive been fighting Truist bank for 4 years now. I have submitted 2 complaints thru CFPB you guys have done nothing! Truist will respond and you guys close the file without investigating anything.

We do not and have not gotten a loan from Trusit bank. There are not even any Truist banks in California ( which is where we were living at the time it opened ). We had other fraud charges which have since been investigated and removed. Truist called us and began asking for our SNN, DOB and bank account numbers. Why would I give them this personal info, especially over the phone, with no verification and when theyve already given the wrong people access to something in our name? I have had to call and fight to get a copy of the contract ( they didnt want to send the first XXXX ) the signatures do not belong to me or my husband. They dont have copies of our IDs or anything else. They will not work with us or remove these false reports and the negatively report on our credit every 3 days damaging our credit and ruining our business.

Company response to consumer: In progress
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called XXXX XXXX on XX/XX/2022, about them placing my old, secured card on my credit report. I closed the secured card last year, and they reported to the credit bureaus that the account was closed. I was informed the last week of XX/XX/2022 that the account was reported back to my credit report as being opened and closed again, When I called XXXXXXXX XXXX on XX/XX/XXXX, the representative ( XXXX ) informed me that the account was still open. I told XXXX that I called in last year or earlier this year to have the account closed and why it has not been closed. XXXX could not answer that question. I then asked why they reported my account as being opened the last week of XX/XX/2022, and he told me that since I had not made a deposit in the last six months, the company reported the account as a new account and closed it. The answer I received from XXXX made no sense to me, so I asked to speak to a supervisor. XXXX placed me on hold and came back to the phone and informed me that they were too busy and that a supervisor could not take my call. I had a tough time believing that there was no supervisor that could take my call because I called when they first opened in California.

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 2022-09-27
Company: General Motors Financial Company, 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:
Im sending this complaint to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The accounts I am disputing do not relate to any transactions obtaining any possession of, goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that is suited for alleged identity theft. 

This account is unknown to me. Also, the information you provided is incorrect, and about have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon being denied from a lender for " too many inquires '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any   reason.
1.     XXXX   XXXX    XX/XX/XXXX  and  5/9/15  2.  XXXX   XX/XX/XXXX  3.   XXXX     XX/XX/XXXX  4.  XXXX   XXXX   XX/XX/XXXX  5.  XXXX   XX/XX/XXXX  6.  XXXX    XXXX   /i am currently waiting for the other 2 credit bureaus to respond to my request.

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 2022-08-23
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:
Any of the business credit cards I have are only reported with XXXX XXXX XXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY XXXX XXXX IS REPORTING ON XXXX AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE XXXX XXXX AND XXXX REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act US DEPT ED 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 For several years this company has not worked on this issue and now they are saying they are working on it? I got a notice of 60 days! This company breaks the law and they get 60 days to keep doing this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2017-04-26
Company: Experian Information Solutions Inc.
State: WI
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:
I have mailed Experian several times stating over and over again that I never had a previous address of  XXXX   XXXX   XXXX   XXXX  ' or whatever it was as listed on my Experian credit report. This is an address in  XXXX , GA.     The problem is, I have NEVER LIVED in  XXXX , GA. I did a quick Intelius search for myself  XXXX   XXXX   XXXX  and found ANOTHER  XXXX   XXXX  currently living in  XXXX   XXXX  GA.     For my personal listing, it DOES list  XXXX , GA along with  XXXX , WI  (  my actual residence ) as a 'residence, ' but this is because fo r 1.5 years I  worked for a company called  XXXX ,  XXXX   XXXX   XXXX   , G A, except I did it VIRTUALLY ( telecommuting ). When the company sent out my tax forms, they mistakenly sent it to my current address,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  GA ' and not,  XXXX   XXXX   XXXX  WI. ' This is the only explanation I can come up with for why the address is on there and also listed on Experian 's credit report for me.     I have asked them to remove other iterations of Atlanta-based addresses on my credit report, and they complied. It was basically different versions of the same thing  XXXX   XXXX   XXXX   XXXX , ' or something to that effect. I have NEVER LIVED in  XXXX , so I would like them to remove it now. I have already mailed them  tw  o lett ers about it and they have responded back with something like 'we use different bureaus and reporting methods to check accuracy. '  XXXX . They are using the address of an old employer 's tax forms and am sick and tired of their  XXXX  because upon looking online to other credit reporting forums, I see that others have tried to get their addresses removed from Experian as well and had no success.     Experian does n't seem to understand that creditors trust you based on how long you have lived at an address. I lived at my current address for 18 years (  XXXX  ), then went to college in  XXXX   XXXX  until   XXXX  , then moved back here to the same address I started with (  XXXX  Present  ). I do n't see how  XXXX  hard this is for them to get through their thick skulls. If they want to play these games the next step is I 'm suing them for violating the FCRA.

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! 2 years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, 3 secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had 3 secured credit cards while paying my debt off!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
That on XX/XX/2023 I sent a written notice to the Department of Commerce opting out of credit reporting. The Department of Commerce has yet to respond to my demand.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report, I noticed a number of identity theft accounts and addresses that I previously reported to this bureau as not mines, as they are a result of identity theft, the bureau refused to block, dispute and even failed to acknowledge my communication at all. In fact, I never received any communication from them regarding my dispute. I never authorized anyone to use, borrow my information, or pretend to be me. However, my information is being used to the point I am being sued and have had to retain an attorney to not only defend me, but to sue this bureau for its willful failure to comply with the federal rules surrounding identity theft victims and credit reports. 
Further, this particular bureau, deleted some accounts that are identity theft ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX  ) ; and then reinserted them back into the report even though the furnisher of the information advises my attorney that they are no longer reporting it because it is identity theft. 

No other bureau is giving me an issue and is refusing to comply with federal rules. This bureaus has been so defiant and willfully non-compliant that they even initially refused to respond to my previous complainant I filed with the CFPB, by stating it appears to be written by someone else. This is crazy.

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 2021-09-01
Company: Rossman & Co & PCB
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant phone calls. On a daily sometimes multiple times a day. Ive asked to stop being called. It's a medical bill from almost 10 years ago.

Company response to consumer: Closed with explanation