BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my Citi XXXX Savings Account on XXXX XXXX under the bonus terms as stipulated in the Welcome Package I received from Citi, by responding to a solicitation from Citi after opening my Citi credit card. This solicitation targeted me through my online Citi credit card account. 

I qualified for and completed all four activities and should have receive my {$450.00} bonus by XX/XX/XXXX at the latest. I still have not received it. I contacted a representative ( XXXX ) about the matter on XX/XX/XXXX. I received an on line notice stating the promotion was not offered with my account ( please see attached ) .When I opened the account the agent stated that it was opened with the promotional bonus plan, and that is why I received the Welcome Package with pages that specifically detail the bonus schedule and I received an email confirmation stating the promotional bonus program was applied to my XXXX Savings account. These are attached as proof. 

Today, I received a call from Citi customer service today, asking if I ever received a direct email invitation or flyer in the mail to enroll in the bonus program, and told the representative that I did not, but answered a solicitation to enroll through my on line account. 

Please refer to the attached email confirmation that I was enrolled in the promotional bonus offer. 

I would think that this is deceptive, fraudulent marketing practices as evidenced by other numerous complaints for the same and past civil judgements for misleading advertising, or a honest clerical error.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 one of 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 accounts 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 accounts : XXXX XXXX XXXX and XXXX XXXX. Please remove these accounts ASAP.

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 2023-10-06
Company: EQUIFAX, INC.
State: NY
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
Please accept my official written notification that I suspect inappropriate information reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws and adherent to the mandatorily utilized reporting standards. Obviously, I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed.. 
documented proof of verification and validation absent incertitudeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
Creditor has not updated my request to remove and close account for illegally reaging my account from XX/XX/XXXX to XX/XX/XXXX the creditor reaged my account more than 6 months. 

on XX/XX/XXXX i requested Please delete off my XXXX account because the creditor has re-aged my account and this a FCRA Violation. XXXX aged my account to XX/XX/XXXX however Experian shows XX/XX/XXXX creditor has failed to update dispute status, which is a violation please do not correct but remove from my XXXX report because high credit limit is inaccurate. XXXX and Experian shows different limit please remove off my report XXXX reported " 60 days late in XX/XX/XXXX but reported ok in XX/XX/XXXX this is inaccurate and unverifable

Company response to consumer: In progress
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX US Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2023-05-22
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and experian is in violation of the fair debt collection act they refuse to remove this collection account from my credit report when i asked XXXX for something bearing my signature that this account belongs to me they provided me a PDF account numbers were incorrect the statments they sent were contain errors in spelling my name looks like it was editted its to close together the r in for looks like this is a fake document.. i will not pay this account because they failed to verify with proof that this account belongs to me my social isnt anywhere on this document. nothing with my signature. this company is in violation of the fair debt collection act and i ask that this account be removed from my credit report because it is making it very hard to get approved for credit when they are reporting this inaccurate information on my credit report ( which is a violation of up to XXXX $ ) they refuse to provide anything bearing my signature and i ask you the CFPB to help me get this inaccurate information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-10-20
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I Have an Auto Loan with Westlake Financial, along with full coverage from XXXX XXXX. I was involved in an unfortunate circumstance of an accident that resulted in the vehicle being totaled. XXXX XXXX came by and resulted in balance of {$3000.00}.

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 2023-10-06
Company: EQUIFAX, 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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2023-06-08
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/XXXX I noticed potential fraudulent activity on my PayPal Account # XXXX. I believe the initial red flag was seeing a payment dispute that came in. I had not used the account in a while so it was odd to see a dispute. 

I notified PayPal immediately by chat and by calling them. I followed the steps given. Change my password and update security information. However, PayPal had already transferred money from my account. 

I then noticed an unauthorized withdrawal on XX/XX/XXXX to an unknown bank account. Information below. 

Funding Type : Bank Account Funding Source : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Funding Type : PayPal balance Funding Source : - {$330.00} USD - PayPal Account I reported the transaction to the community federal savings bank and requested they return the funds. I have not received those funds as of today XX/XX/XXXX. 

After this initial report to PayPal I continued to receive disputes and requests for refunds. PayPal began to charge me {$15.00} per dispute. I spoke with a representative on the phone that saw the communication history from me to PayPal. The representative then waived the dispute fees. However, the disputes and fees continued to come in. I reported again to PayPal and requested several times that my account be frozen or deleted to avoid any future issues. I was told the account could not be closed as there was an existing negative balance due to the ongoing {$15.00} per dispute being filed. Again, the disputes were due to a hacked account that I had notified PayPal of maybe a dozen times if not more. 

In XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX is a debt collector Reference # XXXX RE : PayPal Account XXXX attempting to collect the amount of {$400.00}. 

While compiling information for this report, I discovered an email on XX/XX/XXXX in my email account that was associated with PayPal at the time. The email says a trusted device was added to my PayPal account. This was not me or any authorized activity. Following after are a few emails requesting to verify small deposits made to XXXX XXXX XXXX XXXX ending in XXXX. I assume this was the unauthorized user gaining approval to link the bank account. What's odd, is these emails came in after the {$330.00} was already sent to XXXX XXXX XXXX XXXX ending in XXXX on XX/XX/XXXX. The email for amount verification came in on XX/XX/XXXX and then a reminder on XX/XX/XXXX. 

I'm hoping to catch the collections before it hits my credit report and regain lost funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX 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 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX this year, I made a purchase with Ashley furniture. I decided to make this purchase on a new Ashley store credit card via Synchrony, partially due to the advertising promotion that I would receive a {$100.00} visa prepaid card by mail so long as I met the following conditions : purchased over {$2900.00} of more, new credit card, valid for purchases between XXXX and submitted a claim by XX/XX/23. I met all of those conditions : purchased over {$7000.00} of products, purchase date of XX/XX/23 and filed the claim on XX/XX/23. Despite submitting a claim, after waiting 1 month I received an email response saying it was invalid. No explanation. After inquiring for more detail on why I was invalid for the claim, I have been in a holding pattern for more than 7 months waiting for an update. Specifically, the email response was that it was escalated for further review and that is the ONLY explanation I have received over the last XXXX months, despite following up, calling over 3 times, and asking for more information on when it would be resolved. As of the last ask for a status, I did not even receive a response AT ALL, despite the automatically reply that they would get back to me in XXXX business days - it has been XXXX weeks. I am very frustrated with the misleading marketing materials and may have chosen to use my personal XXXX XXXX credit card for my purchase to get the points if I would have known they would not honor a promotional offer they highlighted to me when I signed up for the card!

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