BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Citibank has a promotion to give depositors a bonus of {$400.00} if they open a Chencking account for {$15000.00}. This {$400.00} bonus will be paid to the depositor upon maturity of 90 days from the date of opening of the account. 
On XX/XX/2016, I opened such a checking account at the Citibank branch, located at XXXX XXXX XXXX, XXXX , NJ for {$15000.00}. The maturity date has already passed and I still did not receive this {$400.00}. So I made several phone calls to the branch manager XXXX XXXX as well as several other bankers in the bank to inquire about it. They all told me that I am qualified to receive this {$400.00} bonus and I should receive it any day. However many days had gone by and this {$400.00} was still not credited to my account. 
I referred many other people to open such account with Citibank and they all have received the {$400.00} bonus so far but not I. The following are XXXX people I referred to the bank to open accounts who have received the {$400.00} bonus, one is XXXX XXXX XXXX, Account no. XXXX and XXXX XXXX XXXX, Account No. 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 monetary relief
Consumer complaint received 2017-03-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from AD ASTRA. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, we opened a new Southwest rewards card through Chase. One of the benefits of the card is met if we spend {$5000.00} on the card over the first three months. To start off, Chase gave us a low credit line ( {$2000.00} ) for our income and credit scores. Then, when we tried to pay it off some early purchases, I made an initial mistake with inputting our bank information online. After correcting the error, the payment has been processed by our bank on XX/XX/XXXX ( as shown on the attached statement ). Two days later, my wife attempted to pay for a hotel stay, and Chase had not cleared the balance. When we contacted Chase, they refused to honor the payment until the end of the billing cycle. We spoke with a supervisor who said the same thing. When we ask to raise our credit limit, he said we didnt qualify, which doesnt make sense again out of proportion to our income and credit score. This seems to be a blatant attempt by Chase to charge us interest on funds our bank has already processed a payment for and to deny us the opportunity to earn the reward that was the primary reason we started the card for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Acct number XXXX is in violation of my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment 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 2020-03-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX hasnt added my credit card account XXXX XXXX XXXX   Acct # XXXX Equifax has not added neither one of my accounts to my credit report. 

XXXX XXXX XXXX Acct # XXXX XXXX  XXXX/XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a dispute with all 3 credit bureaus in reference to a Public Record/ Bankruptcy, the Docket # is XXXX. It was stated to me through updated credit reports that the information was verified through XXXX. I contacted XXXX, because and was told that no one has contacted them about my consumer report between XX/XX/XXXX and XX/XX/XXXX. I requested verification of the accuracy of this information being reprted. Since XXXX was not contacted by any Credit Bureaus, I would like to claim that the information that is being reported is erroneous.

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 2017-05-25
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: Account information incorrect

Complaint:
XXXX  and Experian are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted  XXXX   XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.

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 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
do not no who XXXX XXXX is i have never used that name or anything else on tranunion, and a address in XXXX XXXX i have never live there

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 2022-03-28
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This involves a debt buying company called National Credit Adjusters. They purchased a closed credit card account from XXXX XXXX XXXX. XXXX closed the account and took it off of my credit report as it was identity theft. I provided ALL of the necessary documentation to have it removed back in XXXX. It was also blocked based on the FCRA section 605B. As soon as I saw this reappear on the credit report through National Credit Adjusters, I immediately disputed it. That was in XXXX. I have sent the information to all three credit reporting agencies AGAIN AND AGAIN AND AGAIN. National Credit Adjusters will not remove this account. I have written them numerous letters over and over again and the only response received is that the credit report adds a statement saying I dispute the account and National Credit Adjusters states VERIFIED AS ACCURATE. They have NEVER shown me the information received from XXXX XXXX to VALIDATE NOT VERIFY the debt. THIS IS NOT A VALID DEBT. XXXX XXXX knew it so why cant this debt buyer follow the same laws and block this from reporting. I have informed them over and over again they are violating FDCPA, FCRA and FACT. They just dont seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: FL
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 the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a report from all three agencies over 3 months ago through " AnnualCreditReport.com '' I have not received anything as of yet. I need a copy of these forms expeditiously. Can you please help me? Thank you in advance.

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX I checked my credit report and all inquires were deleted. As of XXXX XXXX I checked back and now they 're replaced back on my credit report which has brought score down significantly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Someone by the name of XXXX from Midland Credit Management keeps calling me numerous times a day despite the fact that I told him that I wanted him to stop contacting me and that I have representation regarding any credit issues and gave him the name of the legal representative. He uses numerous different numbers to call me from, but his call back number is XXXX with extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a high interest loan on a five year term. I paid the loan off in 35 months. the payoff was very little difference from the entire term of the loan. I received a letter 10 days after the loan payoff offering a refinance from the same company. the payoff on the letter was less than what I paid 10 days ago. the loan company told me to bring the letter up there. I did with no resolve. the person on the letter did not work there and it has me wondering if something very wrong is going on. I attempted contacting an attorney but did not find anyone is this field. I think this is predatory lending and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
First of all, the furnisher of information, the original creditor is held to the XX/XX/XXXX Credit Card Act on XXXX acct XXXX, which was finally implemented in full force and effect XX/XX/XXXX.Also the credit reporting agency AND the furnisher is held to the FCRA. 
This acct. has been verified many times with inaccurate and incomplete information by Transunion.1 ) the balance owed and charge-off amount are fraudulent.The last use of the card was for XXXX XXXX XXXX in XXXX XXXX.They were instructed not to go over the limit and were given a XXXX credit card to handle any rental extensions which did occur. 
Unbeknownst to meI was not '' opted- in '' and XXXX should not have approved the over- the- limit charge asked for by the vendor and not by me.When I returned the car to the XXXX rep. I was told " my boss made me do it '' ... .. SO I AM NOT RESPONSIBLE, I WAS DEFRAUDED BY BOTH THE VENDOR AND XXXX ... ... ..THE CREDIT REPORT DOES NOT CONTAIN A DOFD OF XX/XX/XXXX AS REQUIRED BY FCRA THE PAYMENT TABLE IS ERRONEOUS,30 DAYS LATE ON XX/XX/XXXX,60 ON XX/XX/XXXX 90 0N XX/XX/XXXX,120 ON XX/XX/XXXX AND SO ON.THE LAST PYMT MADE ( THE MINIMUM ) IN THE AMT OF XXXX DOLLARS ON XXXX/XXXX/XXXX IS MISSING.THE FEES, PENALTY FEES, LATE FEES, OVER-THE-LIMIT FEES ARE GROSSLY LEGALLY EXCESSIVE ACCORDING TO THE XX/XX/XXXX CREDIT CARD ACT AND THE RESULT OF FRAUD. I WAS NOTABLY MUCH UNDER THE XXXX DOLLAR LIMIT WHEN I HANDED MY CARD TO XXXX AND THEN WAS FRAUDULENTLY OPTED IN BY XXXX AND VENDOR AND, WITH ME NOT PRESENT, AND AGAINST MY INSTRUCTIONS, CHARGED BY THE VENDOR XXXX. I PLAN TO CONTACT THE AG OF MY STATE AND THE XXXX AFTER THIS COMPLAINT CONCLUDES.I AM DAMAGED AND RETAIN MY RIGHTS TO LITIGATE AS LONG AS THIS CARD REPORTS.

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 2020-03-21
Company: EQUIFAX, INC.
State: FL
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 HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: IL
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 have previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The card is a XXXX XXXX rebate card through Bank of America. There was {$40.00} remaining on the card when it expired in XXXX 2020. I contacted the company to request a replacement and was told there is no balance remaining on the card after expiration and that they could not issue another card ( there exact response to my email is pasted below ). I feel that this is not right and that they basically stole {$40.00} of my money. Please help me to get my money back. Thanks! 


response from Bank of America XXXX : Our apologies we are unable to assist. Once this card type expires, as described in the cardholder agreement and all of the information in the card package, there is no value after expiration. We can not issue another card since there is no balance and the account is closed. 



Thank you, Bank of America Customer Service

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 2017-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I  filled out an application with USAA for a credit card. Instead 0f telling me whether I was accepted or not - they requested that I make an account with USAA.I called and they said that I needed to accept a text message security code to find out if I have an account with USAA. To me that 's putting the cart before the horse. I request that USAA delet e all information gathered by my application process and cancel my application-no harm no file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: AMERICA FIRST FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MN
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 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 602 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 2022-08-30
Company: EQUIFAX, INC.
State: MN
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 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 602 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 response to consumer: Closed with explanation