BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I responded to a special promotional offer to open a Citibank Citigold Checking Account on or about XXXX XXXX, XXXX. The promotional offer code was XXXX and stated that, after I met certain specific requirements, I would receive a bonus of XXXX Thank You ( TY ) points. I met all the requirements by XXXX XXXX, XXXX. I contacted Citibank twice to confirm that I qualified and would receive the XXXX TY points, and Citibank twice confirmed that I would receive the XXXX TY points no later than 90 days after I met the requirements, that is, by XXXX XXXX, XXXX. Those confirmations occurred in online chats with Citibank representatives on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ) and on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ). When I did not receive the promised XXXX TY points, on XXXX XXXX, XXXX, I contacted Citibank on XXXX XXXX, XXXX. Citibank conducted an '' investigation '' and notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus, even though Citibank representatives twice confirmed that I would receive the bonus. I asked Citibank to reconsider the decision on XXXX XXXX, XXXX, and Citibank again notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus. I feel misled and cheated out of XXXX TY points, which are worth {$500.00} or more.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: TX
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. 

Accounts : 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  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 explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
During XXXX I drove from XXXX to XXXX and used my Citi Bank card to buy gas on the road. My card was flagged for possible fraud and put on hold. I called and confirmed that there were no fraudulent charges. I was then asked to confirm my identity and faxed in a copy of my drivers license a copy of a bill under my name a copy of my marriage license and both my current social security card and the card under my maiden name. I was then told that that was not good enough information to confirm my identity and so I then sent a color copy of the front and back of my drivers license and signed the paper with my matching signature to the one on my license. In that fax I also included a copy of a current bill to again show proof of address. Once again I called in and was told that there was no supervisor working and no one can help me with my problem. When I told the woman on the phone during my last call that I would not hang up until I spoke with someone who could help she told me she had to disconnect the call and hung up on me. I have been dealing with this for over a month and can still not close my account. I need help and do n't know what to do.

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 2015-12-22
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I paid {$1.00} in XXXX for a credit check, and missed their fine print about the additional {$21.00} they planned to charge me after a " trial period ''. It was in very tiny letters at the bottom of the screen, and it 's very clear they have purposefully made the checkout process look different to confuse the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian alone with XXXX previously remove XXXX items from my wife and I credit report stating that proof could not be provided. then a couple of months later placed it back on our reports. The companies are using illegal tactics to add them back to the report. I asked the XXXX agencies to please remove them and they refuse to do so after removing them previously.

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 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 604A 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 explanation
Consumer complaint received 2016-05-02
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
When I received my XXXX 2016 Citi Diamond credit card statement, the minimum payment due was {$25.00}. Instead, I paid the {$340.00} balance IN FULL, via money order. The payment was n't posted by the XXXX/XXXX/16 due date, so I authorized a {$25.00} transfer from my savings in order to not be 'late '. XX/XX/XXXX came and went, still without that {$340.00} payment posting. Once again, I made another {$25.00} payment in order to not be 'late ' with the XX/XX/XXXX minimum. In the interim, I contacted the money order company and spent another {$15.00} to get a copy of the original money order sent to Citi Diamond, hoping to see if it had been lost or stolen. When I got the copy back, it is clearly stamped, " DEPOSITED TO CITIBANK '' on XXXX/XXXX/16. I contacted Citi and they have been no help. They are telling me their invesigation will take at least 30 days, and in the meantime, I will have to make another {$25.00} payment by XXXX/XXXX/16, so I 'm not 'late '. Now I 've paid an extra {$75.00} that is not even owed, all because they miscredited MY {$340.00} payment IN FULL back in XXXX 2016.

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 2016-09-26
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Applied for a Citigold account with CitiBank during their promotion with which I received a promotional code ( XXXX ) corresponding to a XXXX XXXX XXXX miles reward, called CitiBank 's customer service line and applied over the phone using, receiving verbal confirmation that I was eligible for the reward. I was then approved for the account, fulfilled the requirements of spending more than {$1000.00} using a debit card linked to the account, and two bill pays spanning two separate months. I logged on and spoke with another representative to ensure I met the requirements successfully and to confirm when I would be receiving the reward upon which I was informed I would receive them no later than XX/XX/2016. It has since been nearly a month since that date and I have yet to receive the corresponding reward miles. I am fairly frustrated that I have been misled in applying for this account, under which the bonus was a key interest point in my applying for it. I hope this can be resolved soon as little progress has been made from CitiBank 's side.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THESE CREDIT BUREAUS HAVE NOT REPORT MY INFORMATION ACCURATELY, THEY HAVE FAILED TO REPORT MY CREDIT FAIRLY BY LAW THROUGH THE FAIR CREDIT REPORTING ACT THAT IS THERE TO PROTECT PEOPLE AS ME WHO IS IN SUCH A SITUATION LIKE THIS, NEVER HAVE I GOT NOTIFIED ORALLY OR WRITTEN. THIS IS UNFAIR PRACTICES AND NOT JUSTICE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$7900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$9600.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$50.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX XXXX  XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX - NOT MINE. 
XXXX XXXX {$470.00} Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: NY
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 am writing to CITICARDS CBNA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CITICARDS CBNA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2015-11-10
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My Macy 's XXXX card was comprised at the end of XXXX with {$300.00} worth of fraudulent charges. I immediately reported the issue and was told it would be resolved within XXXX billing cycles. I was also assured that I would not be responsible for additional fees on the account that may add up until the charges were removed. While the {$300.00} charges were removed, the extra fees were not and continue to increase. Each month upon receiving a statement in the mail, I call and am told it would be {$0.00} within XXXX to XXXX billing cycles. No one has been able to assist me and make this go away. I am desperate for help because it is now XXXX ( 5 months later ) and the charges are still increasing. I have not used my Macy 's card and in fact have no interest in shopping with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The inquiries reported on my credit report are a violation of my privacy and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a XXXX XXXX XXXX ( 2nd Mortgage ) with Rocket Mortgage on XXXX/XXXX/22. The application process went smoothly until the appraisal was received. The application was completed and dated XXXX/XXXX/22. Rocket Mortgage did not review the appraisal, however, I caught numerous errors with it. Understandably, the appraisal is a third party value to remain unbiased. Although they allowed me to dispute these errors, they were slow and neglectful in responding to my dispute in a timely manner and therefore closed out my loan application on XX/XX/22 without notifying me as to why. I was not aware if anytime frames or deadlines from them. They continued to tell me the appraisal was under review until it was too late to continue the dispute. The appraiser left out significant details about my house that adds value to my house ( a 3 car garage, fenced yard, and large 1 and a half story shed ). Rocket Mortgage was purposefully neglectful to provide me the necessary information to resolve this issues in a timely fashion. They also kept passing me off between employees as no one knew what was actually happening. I had to speak with 5 different people in one day before they finally told me on XX/XX/22 that the loan application was closed and there was nothing I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: NRA Group, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NTL RECOVERY AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-08-04
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and FIX : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.

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 2015-09-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Card was always paid on time. I send a letter complaining about incorrect information reported to the credit agencies and they send me a letter back telling me that my account is now current. I do n't have an account with Home Depot and my account was always current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Ally bank continues to call my cell phone, after numerous requests to stop, asking for someone that is not me or anyone in my household. In order to find out exactly who they are, because they only provide their first name, I find out they are from Ally bank. They call at XXXX at night and throughout the day. I 've asked several times for them to stop calling my number. I get, " we will put this in your record. '' How do I have a record at Ally bank? I do not bank with Ally bank. I have never banked with Ally bank. I do not have loans or debt that I am responsible for with Ally bank..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation