BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a savings and checking account in mid XX/XX/XXXX. The terms of the deal I opened the accounts under was that {$15000.00} in new funds needed to be deposited within in the accounts and maintained for 60 days at which point a {$400.00} bonus would be paid by Citi. I funded the accounts with over 15k and have never removed any money so the accounts as they currently stand still have over 15k in them. 

I helped my parent 's open accounts under the same terms and they received their bonus a couple months ago. Just as a note I do not live at the same address as my parents nor do we have any co-mingled funds if that matters. After waiting the full length of the advertised period that Citi has to fund the bonus and having not received the bonus I contacted customer service via chat. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat and was told that the bonus will post no later than XX/XX/XXXX. The bonus did not arrive by the XXXX. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat who said that the bonus should have arrived that week. It did not and so he opened an investigation case stating that the case can take up to 5 business days to be resolved. 

It is currently XX/XX/XXXX and I have not received the bonus or any further information from Citi even though the 5 business days is long since passed. 

I understand that delays can occur and am simply looking to receive the bonus earned, but have had no progress from working with the company directly.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent hacking of XXXX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-07-16
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:
I had a credit freeze on my credit. 
Lifted the freeze temporarily and now want to freeze it again. 

On XXXX  site it is a smooth process On Experian site it is a FRUSTRATING Process, and there is no live person to talk to. 
Unable to freeze credit. Despite entering all info, keeps giving a message of unable to freeze based on the info. All the info is correct. 

There is no e-mail for customer support to write to. 
In this day and age need to send snail mail to an address on their page. Really?

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 2022-04-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-08-08
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be 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 2017-11-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Accounts have been separated multiple times, i am a XXXX and my social security number and name keeps getting merged with my XXXX sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Accounts have been separated multiple times, i am a twin and my social security number and name keeps getting merged with my twin sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XXXX, 2021, I received a hard inquiry from XXXX XXXX XXXX on my TransUnion credit report. This was unauthorized.

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 2022-04-29
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am having so many issues with TD Bank and fees. I would like to first start with the issue of a stop payment that was entered in for the wrong amount. The transaction came out of my account when it wasn't supposed to come out. I was charged excessive fees because of this. The bank wanted to tell me that they had credited me back for fees in the past and we're not going to give me all the fees back for this. Recently, I deposited a check for {$210.00}. They decided to hold it for 7 business days. I had money in my account when I deposited the check. The check wasn't for a large amount. While I thought that I would be getting credit for this check the next business day. I had things going through my account and I am getting fees. I have had {$210.00} in fees this week which wouldn't have happened if the money was there. When I sent a question to customer service through the message system about when would I would receive credit for this, I got a response of the date of the hold is XX/XX/21 and funds would be available on XX/XX/21. This is another situation with information that has been given wrong or input wrong. 

Also, I had asked the bank to not pay any transcations if the money wasn't there. I wanted to opt out of overdraft protection because I did not want my account to be overdraft by a large amount if they money wasn't in there. They started sending transcations back unpaid, then this week a debit card transction that I had setup was paid and went through to for XXXX for {$350.00} nd so did an ACH transaction to XXXX for {$110.00}. The spectrum payment should have went through if the {$210.00} check wasn't on hold. 

I can't get my bills paid because I do not have any money when my check is deposited. I am trying to get this account under control but TD Bank is making all of these errors and hold my deposited and then charges me fees and then also paying transactions at there discretion to overdraft my bank for a large amount. I am fed up with this and plan to close this account when I get everything to clear out of it. I wanted to stay with this bank but I do not have the money to just keep giving away with fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent  hacking of EQUIFAX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019 I applied for a Lowe 's Credit card which is issued by Synchrony Bank. I applied through my mobile phone while in the store. I received a message that I needed to contact Synchrony Bank and was provided a phone number. I called as was ask a few questions which were mainly identifying questions and was told that they would mail me out a reply within the next few days. 

I received a letter dated XX/XX/2019, which stated that they had " checked credit bureau information and other data sources to verify information on your application. We checked the following items of information : Social security number Phone Address Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. '' The letter suggested I contact XXXX since that was the agency they used. I went to the XXXX website and pulled my credit report. I then called XXXX. After going through the identification process with XXXX, which they were able to confidently identify me, I asked them if they could see anything on my report that would give a lender a reason to not be able to properly identify me. They said they did not and that I should contact the lender. I called Synchrony Bank and the first person could not even see in their system a reason for the decline. I asked for a supervisor who would not even look up my application just stated the same thing as the letter. 

I questioned the supervisor how they knew enough from the application and their research that I was the applicant if they could not confirm my identity. She stated that they were able to get enough information to know it was me, but not enough to " confirm my identity for approval of the application ''. This made no sense to me. She would not tell me anything more. 

When I called bank the only way they could find me in the system was through my name, address and last four digits of my social security number, which match identically to what is on my credit report. They had sent me a letter to the address on the application which I had received which means the address was correct. My name and social security number matched what I provided because they were able to pull a credit report. 

So I now have a credit inquiry on my credit report from an institution who said they were not able to verify my identity. If that is the case I think they should remove the inquiry since they can not prove that was who applied. If they could verify that I was the applicant then what was the real reason I was declined?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CBC Companies, Inc.
State: PA
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:
All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I deposited a check made to my wife for {$3100.00}. Bank of America put a 9 day hold on the check and will not tell me why. We have been banking with them for 35 years and have never had a hold put on before. There have been zero issue on our end with the 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 2022-04-29
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IN the month of XX/XX/2022 I received a Debt Collectors letter stating that I OWE THEM money for the service I never had with them. 
On XXXX XX/XX/2022 I wrote a letter to Receivable Performance Management asking them to Validate the debt showing my ink signature that I had the debt with them. I also stated on my letter that they need to remove the collection account from my credit report if they are not able to Verify/validate the account in question. To this day, they haven't removed the incorrect information from my credit report. 
On XXXX XX/XX/2022, they mailed a copy of the statement from XXXX. No contract or any evidence showing that I received any service from this company ( XXXX  ). 

In my letter I included the following : -verification n. the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. For example, a typical verification reads : " I declare under penalty of perjury under the laws of California, that I have read the above complaint and I know it is true of my own knowledge, except as to those things stated upon information and belief, and as to those I believe it to be true. 
- Law definition

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 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called XXXX XXXX many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from Capital One. I asked for who the name of the person was that they spoke to at Capital One, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between Capital One and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called XXXX XXXX and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against XXXX XXXX. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: HW Holding, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account information with collection agency HUNTER WARFIELD is reporting account as open and amortizing interest penalties as missing monthly payments creating a larger negative monthly balance with missed payments on a closed charged off account from XXXX XXXX AT XXXX XXXX sold to HUNTER WARFIELD as a collection agency. 

I have disputed the information several times to only see that the amount will be changed by a fictitious amount to settle the dispute. Hunter Warfield accounting department laters readjust the account to reflect a missing payment and increase in my collection and continue to impose the amortized interest penalty on the charged off collection and report it as a open account on my credit report. This action is a predatory tactic by the HUNTER WARFIELD to do the greatest damage to my consumer credit report and violates the FDCPA guidelines for 100 % accurate reporting by a debt collector, namely HUNTER WARFIELD. 

The original charged off balance from XXXX XXXX AT XXXX XXXX lender is {$10000.00} as of my earlier credit reports dated XX/XX/XXXX. The account has a balance of {$13000.00} as of XX/XX/XXXX, due to the predatory monthly amortization penalty added on a closed collection account. This account is not a fixed loan or revolving account and has alien judgement and charge off.

Company response to consumer: Closed with explanation