BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a citigold bank account using the promotional code I received in the mail XX/XX/XXXX, in order to receive a bonus of XXXX XXXX XXXX miles once I made at least {$1000.00} debit card purchases and made bill payments in 2 consecutive months. Once I met the requirements for the bonus I send a message to citi for confirmation. They responded that I did meet the requirements and that I should see the points no later than 3 months after the end of the month in which I finished the requirements ( which was XX/XX/XXXX ). So XX/XX/XXXX comes around and I call them to ask about the points, they do n't have a clear answer and open an " investiagtion '' into the points. I get a notice more than a week later that says they will not honor the promotion because I was not " targeted '' even though the code they sent me let me apply and their own customer service agents confirmed I would be receiving the bonus. Meanwhile two months of {$30.00} " service '' fees have been taken out of my account while I have been waiting for this to be resolved by Citi.

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 2022-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Our wedding venue ( XXXX XXXX XXXX XXXX XXXX XXXX ) had sent us final payment information XX/XX/22 with wire transfer instructions for {$5100.00} to a Wells Fargo account. The Wells Fargo account name in the wire instructions was the venue 's name ( XXXX XXXX XXXX ) and the email was sent from the venue 's email address as a response to an existing email thread. We paid off our final balance via wire transfer to the Wells Fargo account as instructed by our venue and emailed the payment receipt also as instructed. In the following weeks, we received XXXX automated emails from our venue that our balance was overdue so we responded immediately to those emails with the receipts that we had sent previously and received response back from our venue that they can confirm with their accounting department regarding receipt of our payment. 

On XX/XX/22, we received phone call from our venue that their email account had actually been hacked and the wire transfer instructions were from the hacker thus the venue never actually received the money we transferred and money had been stolen by the hacker via the Wells Fargo Account. We immediately called our bank ( XXXX XXXX XXXX ) who stated they would investigate as well and we also filed a police report with our local XXXX XXXX Police Department. 

On XX/XX/22, the venue said they have been in contact with Wells Fargo and XXXX XXXX Police Department. The venue told us their insurance will not cover this case. We also called Wells Fargo on XX/XX/22 but were told that Wells Fargo would not help us. We were informed by our bank ( XXXX XXXX XXXX ) that they could not recover the money as the hacker/thief had already stolen the funds. Thus we are filing a claim regarding this theft that Wells Fargo was involved with.

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 2015-09-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To whom it may concern : This is to let you know that EXPERIAN has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX & XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is PRIOR to XX/XX/XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( XXXX , XXXX XXXX Experian ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
EXPERIAN should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, Experian is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. Experian has failed to do so. Experian has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, Experian should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against Experian for FCRA violation and character defamation.

Company public response: Company 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: GA
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:
15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX-XXXX  Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.

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: TX
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:
EXPERIAN CREDIT BUREAU has reported an incorrect account as a collection without any proof or verifications because I HAVE NEVER had an account with XXXX. XXXX CAN NOT VERIFY MY PERSONAL INFORMATION, SIGNED AGREEMENTS, CREDIT CARD INFO FOR PAYMENTS. THIS ACCOUNT WAS PREVIOUSLY REMOVED FROM ALL 3 CREDIT BUREAUS FOR FALSIFICATION

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 2016-06-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX XXXX, I discovered that someone had stolen my identity and opened various accounts. XXXX of these was a XXXX credit card. After finding out, I immediately called XXXX to report the fraud. They closed the account and issued me a letter acknowledging that the account was fraudulent and discharging any responsibility I might have for it. Around XXXX XXXX I received a letter from Midland Funding LLC attempting to collect this debt. I immediately called Midland and explained the situation. They told me that the collection would be removed from my account. I have talked to them three times since then and they are still attempting to collect a debt that does n't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying to get this issue fixed from last 4 months. 
Citi bank replied back to me with misleading information. 

Almost a month ago, I filed a complaint, where I highlighted irregularity in handling my account. Citi bank closed my account and so far Citi bankhas failed to give me a validreason. 
Citi bank did send a response, stating that they close my account, because I had insufficient funds. But they send me a copy of a check which has insufficientfund but the name of the check is XXXX XXXX, where as my name is XXXX XXXX. ( Ref Page 2 ) I am also sending a letter from my bank, where it clearly states that Citi bankwithdrew $ XXXX from myaccount. ( Letter from XXXX ) Citi bank also send another letter, where they sent a copy of the check, where there is no name, it only says XXXX XXXX- which again is not my name. ( Ref Page 7 and Ref Page8 ) I would like to know : 1. Why my account was closed. The reason sent to me by Citi is not valid. 
2. Citi bank should return $ XXXX cashed from my account. 
XXXX. Accept the responsibility that it was Citi bank 's banking error and they shouldn't have closed my 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 2015-06-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago, a company called XXXX Collections added an incorrect collections account to my Experian credit report. Initially, I sent letters to both XXXX Collections and to Experian. Experian amended the item to say that it was disputed, but did not remove it. After a few attempts, XXXX Collections sent me a letter notifying me that the item would be removed from all of my credit reports. I sent a followup letter to Experian, certified with return receipt, saying that I was sending additional information to support the removal of this item from my credit report. I included a copy of the letter from XXXX Collections. 

Incredibly, instead of removing the item, Experian sent me the enclosed communication saying that " [ They ] received a suspicious request in the mail regarding XXXX my ] personal credit report and determined that it was not sent by [ me ]. '' The letter also says that they will not be initiating any disputed based on the " suspicious correspondence '' and that " Experian will apply this same policy to any future suspicious request that [ they ] receive regarding XXXX my ] personal credit information. " This is a serious problem, because some disputes ( such as faulty pseudonyms ) can *only* be handled by mail. Experian 's unilateral decision to ignore information that I provided - with my signature on XXXX the letter and a return receipt notice postmarked to the same address to which they sent the enclosed notice - presents an unprecedented breach of protocol. What further steps should I take to ensure that correspondence does not appear " suspicious ''? Get my letter notarized, perhaps? That will be next. 

I should add that Experian 's online dispute process has never worked for me - they have an authentication step that I can never complete, even though I know more about my life than they do - and they make it deliberately difficult to contact them on the phone. Now they have taken away the last known recourse available to me. 

Their letter includes a threatening allusion coordinating with law enforcement, but it seems to me that law enforcement should be investigating Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Property surrendered to CitiMortgage in chapter XXXX bankruptcy in XX/XX/XXXX. A different entity attempted to foreclose in XX/XX/XXXX which suit was voluntarily dismissed in XX/XX/XXXX. In XX/XX/XXXX, CitiMortgage claimed it purchased the discharged debt. Between XX/XX/XXXX through XX/XX/XXXX, Citi declined numerous generous offers for short sales and deeds-in-lieu. We then sued Citi for illegal debt collection of the discharged debt and settled the case in XX/XX/XXXX, in part turning over possession and control of the subject property to Citi, which they accepted, in exchange for our promise not to contest an imminent foreclosure. CitiMortgage has declined to foreclose or maintain the property, or to release the lien to prevent blight, and it has now become an eyesore and danger with rotted steps and porch, no air conditioning or water service for at least 7 years ( in Florida ), has dangerous tree growth, etc. The homeless have found shelter underneath the house. The liability to us for injuries is great as the property is still titled in our name despite delivering possession and control to CitiMortgage. The property lies in the middle of a historic business district with intermingled residences and use to be a beautiful landmark - it draws many 'lookers ' onto its expansive and now dangerous porch. Citi is now again beginning its barage of letters to us wanting our financial information for loss mitigation even though we have no personal liability on the loan and have turned over possession and control - including all keys. Citi agreed, in part, to close the account except as required to foreclose. We have complied with all our legal obligations under the bankruptcy code and the lawsuit settlement, and Citi has declined to foreclose. For 7 years Citi has denied us our fresh start, denied the City of a blight free property and denied all willing buyers of the opportunity to occupy and maintain the property which would preserve the historic nature of this community.

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: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The Dentist and his assistant injured me and poisened me when they were doing the root canal on me and also failed to put the crown on correctly I disputed it with comenity Bank but they didn't care all they cared about is the fact that I authorized the work to be done and that it was a valid charge didn't care that I was injured and made very ill and faulty work was done on me bad service and faulty service mailpratice none of this mattered to them the dentist told them he would not agree to refund my account so he got away with injuring me and putting the crown on wrong causing further damage to the test of my teeth and jaw

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: TX
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 Experian Credit Monitoring service and while checking my credit report. I noticed several things wrong with my credit report. That cause a drop in my credit score done by Experian. One is that they have ne for 21 charge-offs no one company reports 21 charge-offs. You can only get one charge-off per grantor of credit. I also, paid off my XXXX XXXX XXXX about two years ago. So, XXXX XXXX is no longer reporting anymore on the account. I was told that it was reported late that is why my credit score dropped.

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 2016-07-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.

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: WA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XX/XX/XXXX XXXX XXXX Balance : {$900.00} ;XX/XX/XXXX XXXX Balance : {$0.00} ; GXX/XX/XXXX XXXX Balance : {$100.00} ; XX/XX/XXXX XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$2300.00} ; XX/XX/XXXX ( Original Creditor : XXXX XXXX XX/XX/XXXX) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: IL
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:
Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XX/XX/XXXXBankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates 15 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )

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 2016-04-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I rented an apartment back in XXXX with a friend. I moved out of the apartment in XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.

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 2015-05-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to access my credit report because I could not answer the security questions. XXXX was about a loan I never heard of and another about a new car that Ive never seen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Source Receivables Management LLC
State: GA
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:
In accordance with the Fair Credit Reporting act XX/XX/XXXX account # has violated my rights. XXXX, 2021 - {$2300.00} 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation