BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Before opening the CitiGold checking account, I had spoken with a CitiBank agent over the phone to find out if I qualified for the offer to open a CitiGold checking account and receive XXXX miles as a bonus for opening the account. She assured me I qualified, and to apply online, so I did. Initial contact with CitiBank via chat assured me I had met the qualifications in XXXX 2016 and would receive the miles by early XXXX. 
Today, XXXX XXXX, 2016, I communicated via chat with a CitiBank rep who told me I was n't targeted for the XXXX bonus miles offer to open a CitiGold checking account, therefore would not be receiving the XXXX bonus miles. I even showed the chat log I had saved and was told they could not honor it regardless of previous communications to the contrary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
As agreed with XXXX XXXX XXXX on XX/XX/XXXX, I have been paying {$50.00} at the end of every month for a settlement with Best Buy. I lost my job on XXXX, and I informed this agency of my financial issues. However, I told them, I would make every effort possible continue making the payment as agreed. I have done so, and now XXXX of their employees is calling me on the phone asking about the payment, and calling me a liar. I process the payment through the bank payment services, and I tried to tell him that, and that I had done that several days before. The guy started yelling at me on the phone repetitively calling me a liar. I do n't deserve to be talked to that way, so I hanged up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Bread Financial Holdings, Inc.
State: AZ
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:
Commenity Banlk and Women Within failed to send my products I ordered to the correct address and them failed to send bill to the correct address until I notice these items on my credit report Women within stated that they would remove from credit report and they did not then was told to contact commenity bank and they told me to contact women within it just goes around and around This item should be removed from all credit reports. 
it was their fault i did not send to correct address even though I gave the correct address 3 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with ERC in regards to a bill that is owed to XXXX on XX/XX/XXXX. They informed me that they were trying to recover a {$2000.00} bill that they believe I owe. 

I informed the first agent in the 1st 4 minutes of the phone call that I was disputing the bill because XXXX continued to charge me service fees after they had shut off the phone service. The represented continued to try to collect the debt, asking me how much I would settle the account for. He then transferred me to an account dispute representative XXXX XXXX. 

Over the next 20 minutes of the phone call, I advised Ms XXXX again that I wanted a copy of the bill and that I do not believe I owe the bill. I explained that XXXX would have been paid had they not continue to charge me service fees when I was not receiving services. She even verified that services were ended in XXXX of XXXX but service fees continued until XXXX of XXXX. I asked her if she saw my point. She the ended the phone call by saying that they would send me the requested information. I only received a letter from ERC saying that I needed to dispute the bill in writing within 30 days. 

Today is XX/XX/XXXX, and I have yet to receive the information that Ms XXXX promised over the phone to verify the bill. The bill is still being reflected on my credit and I want the bill removed. I was denied a job from XXXX that I was supposed to start on XX/XX/XXXX because of this negative trade line. 

I would like to file a formal compliant against XXXX and ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received information that I have a account with this creditor. I attempted to reach out to the number provided and hit a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-10-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of fraud at Truist Bank. I discovered fraudulent activity after receiving a postcard in mail from Truist Bank indicating I had declined overdraft protection for a checking account opened online XX/XX/2022. I never opened an account with Truist Bank, nor heard of them before that time. I thought the postcard itself was a scam to get my information. Especially after I spoke to the representative on the phone. I was forced to communicate via a XXXX number with a representative of Truist Bank who DID NOT understand the English language and continually asked for MY account number and my social security number after explaining I was a victim of fraud, instead of transferring me to the Fraud Dept as son as I mentioned fraud. After numerous calls and wait times, I was finally transferred to a Truist Employee Department ( further example of incompetence ) who spoke English and transferred me to the Fraud Dept ( weeks later ). During this time, I received two bank statements with negative balances and a returned fraudulent IRS check. 
The rep from the Fraud Department told me I had three accounts opened in my name in XX/XX/2022. The first account remained open, while the other two were considered fraudulent and closed. No one contacted me about this fraudulent activity. I asked the representative if they had an intention of notifying me about the other two accounts and he replied, No. I asked him why Truist allows accounts to be opened online without any form of identification. He replied, we have ways of confirming the information without identification. I am sure Truist can confirm my information is correct, but they can not confirm the information is being legally used without me and my photo Identification. I have been with the XXXXXXXX XXXX for 45 years. They require two forms of picture identification cards to open an account.

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 2015-09-23
Company: Credit Protection Association, L.P.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CREDIT PROTECTION IS A COLLECTION AGENCY ATTEPTING TO COLLECT A DEBT FROM A SERVICE I DID NOT RECIEVE. I AM ASKING FOR THE TO EITHER PROVIDE ME WITH THE ORIGINAL COPY OF A CONTRACT OR AGREEMENT SIGNED BY ME FOR AUTHORIZATION OF SERVICE OR REMOVE SAID COLLECTION ACCOUNT FROM MY CREDIT BUREAU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: Credit Solutions, LLC (KY)
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the third time I have filed a complaint against this company ( Credit Solutions ) with CFPB. It is not my debt, and the person does not live here. I told them to stop calling me. I told the person that owes the debt to call them and tell them to leave me alone. And he did, so they now have his phone number, but they still call me. I sent them a certified letter, telling them to Cease and Desist calling me or I would take legal action against them. They got the letter and are still calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I got a new Consumer Credit Card with Home Depot yesterday afternoon. I had to submit my social security number and my telephone number. An hour later I started getting calls ( I have now gotten 8 calls that I answered, with various different scams. One claimed that I had won a government grant of {$9500.00} for paying my taxes on time. The other claimed it was an agent of the IRS calling. Another was a Medical Claims Payment. All of them were scams asking for some id or financial information from me. I think that one or more of the organizations Home depot sells its information to is using that information to call people with illegal money scams. I called Home depot and had my number put on the do not call list, and I have stopped getting calls.

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 2015-12-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I am not sure if this is the correct place to make this complaint or not, so please redirect me if it is not. Some months ago, I was sent via email and regular mail, an offer from Citicards that if I used CitiCards with XXXX that I would earn 10 times the XXXX XXXX XXXX miles that would normally be earned, up to a maximum of XXXX miles. I was an existing Citicard XXXX card member. 

The offer was good upon enrollment and ended XXXX/XXXX/2015. So I enrolled in XXXX and used the XXXX option. I checked my statements and noticed that there was no bonus miles being awarded for using the apple pay for eligible purchases. So I called the customer service for the card at Citibank on XXXX XXXX and the agent had to check what was going on. He came back on line and said the program was never initiated because of a disagreement between XXXX and XXXX XXXX. He apologized that customers who enrolled were not notified and offered me XXXX free miles for my trouble. I had already earned an expected number of free miles greater than that, but accepted the offer. I asked why customers had not been notified and he had no idea. 

My problem is that Citi was earning merchant fees and maybe interest under a false pretense that they were awarding bonus miles to the customer, even when they knew the program was not in effect. Unless someone carefully checks their statements they have no idea that the bonus miles are not being awarded. This is not right. It would have been relatively easy to notify enrolled customers about the program cancellation via email, but this was not done. Who does someone make a complaint about this to? Thanks for any help. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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 belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
trans union   XXXX   XXXX   needs to take off thos charges  XXXX  all  XXXX  of them they have been dismissed!!!!

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 2020-03-05
Company: 1st Franklin Financial Corporation
State: AL
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:
DID A HARD INQUIRY ON MY CREDIT WITHOUT MY PERMISION OR KNOWLEDGE AND HURT MY SCORE.

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 2020-03-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to place a freeze on my SSN in 2018 due to identity theft. Did so successfully with XXXX   and XXXX, however Experian was unresponsive. I wasn't able to pull a credit report from Experian either. Now trying to refinance our home and was able to remove the freeze from XXXX  and XXXX. However, our lender says they need access to my credit via Experian. Experian website doesn't recognize my SSN and I can not get a live person to answer the phone. 

Experian is HORRIBLE. With identify theft continuing to be on the rise, a live person should be available during regular business hours. As a result, our refi has to be completely re-written and my name taken off of the mortgage.

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I am filing a complaint of non-compliance against TransUnion LLC who sent a letter to on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to TU and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2018-01-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an urgent issue on Ally Bank bill pay that must be escalated for help. I am an Ally Bank customer and used your bill pay service to pay two bills ( one to pay for property tax, while the other to pay for XXXX fee ). Both bill pays were requested from my Ally Bank online account on XX/XX/XXXX. Based on the bill pay record, the checks should have been mailed to both payees in two separate mails on XX/XX/XXXX and should have been delivered to payees on XX/XX/XXXX. 

However, so far the checks sent from your Bill Pay department have NOT been deposited by payees yet. I am wondering if your Bill Pay department did mail out the checks to the correct addresses or maybe they forgot to mail out the checks yet. 

Because both bills are due by XX/XX/XXXX, the payment checks must be received by both payees no later than XX/XX/XXXX. Therefore, I request your Ally Bank to confirm with their Bill Pay department to verify if both checks have already been mailed to the correct addresses of both payees on XX/XX/XXXX. Meanwhile, I request Ally Bank to provide me the check numbers of both payment checks. So I can ensure that the checks have indeed been mailed out.

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 2017-06-06
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my annual credit report In XXXX to find a collection for Optimum Outcomes, the following has taken place since then. On XXXX17 I sent a debt validation letter to OPTIMUM OUTCOMES ( attached ) I received no response, I have proof they received it. No indication on credit report it was being disputed. On XXXX17 I sent a letter demanding they delete or send me information I received no response, I have proof they received it. Again on XXXX2017 I sent a follow up letter demanding a response, none was given. All correspondence was sent to address listed on my XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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: Credit inquiries on your report that you don't recognize

Complaint:
Requested Equifax remove fraudulent inquires from my credit report, but inquires are still on my report.

Company response to consumer: Closed with explanation