BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2019-08-05
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CO
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:
I made a purchase at XXXX XXXX of three hotspots for work purposes, made for my company and not for personal use. The bill that was sent to my office was received the day before payment was due ( after a total of 40 days ). My organization paid the bill in entirety upon receiving the statement ( which I have documented proof the day after it was due. XXXX subsequently noted in my personal credit this which lowered my credit score over XXXX points and refused to discuss the matter with me and simply transferred me without explanation or resolution. I appealed this through Experian and have not had a change within my personal credit score. My score was previously impeccable with a rating between XXXX and is now in the high XXXX 's. I have documentation of the billing, payment in full via receipts, and a letter for my organization explaining the entirety of the matter.

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 2022-03-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a Citi Aadvantage card. I paid the balance down every time I used the card through a XXXX business checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. I reached out to Citi and they said I would also not get the aadvantage airline miles in the quantity they promised. I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an 800 to less than 600 because they said I never paid. Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.

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 2023-07-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Please reference last complaint # XXXX Attached is my latest correspondence : Citi, I had a conversation withXXXX XXXX On Wednesday The XXXX of XXXX. I informed her I was out of state and in the car that I would be back in NY and follow up with her then. Maybe, since you record all conversations you should review this one. 

XXXX XXXX initially would not give me her last name and said they are not provided with an employee identification number. She also said she needed to run a HARD inquiry on my credit report to initiate the claim. If this is correct that is fine, but i have not had this done before as I have just had my credit line increased by Amex and there was no Hard inquiry. I also asked to speak to a supervisor which XXXX XXXX replied that it was her. Please have someone contact me relating to this issue and reopen my inquiry. 

Thank You, XXXX XXXX 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 2019-01-02
Company: HYUNDAI CAPITAL AMERICA
State: MA
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:
Hyundai motor finance was sending me collection bills stating I never turned in a leased car. When in fact the car had been turned in two months prior. They then started sending me bill with fees for things I should have never incurred. I made multiple calls to the lease end department. Which was where Customer service siad I need to call. They are only open Monday through Friday 9-5 and have wait times of more than an hour. How am I supposed to get In contact with them to fix he issue if you cant get a person on the phone. Finally they send me a bill for the correct amount but hit me with a 30 and 60 day late payment. I wasnt paying a bill thats the incorrect amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the morning of XX/XX/2023 I woke up to an email stating unusual activity on my debit card. Upon checking my online banking app I discovered that {$5000.00} were missing from my Savings Account. Immediately after discovering this I contacted Wells Fargo through their customer service number. Followed all the steps instructed which included closing both my Checking and Savings Accounts as well as open new ones and transfer the remaining funds to them. A Claim Inquiry was made that same day here 's the claim reference number XXXX I was contacted after the investigation was done and was told that the money that was withdrawn totalled to 3 different transactions. I was credited with the sum of {$2000.00} for one of the transactions but was told that a new claim case was made to further investigate for the other transactions. Here 's the 2nd Claim Inquiry XXXX upon getting an email from one of the Associates at Wells Fargo I was instructed that they needed to have a word with me, I got this email on Friday XXXX the XXXX of 2023 at XXXX XXXX. Minutes has just passed after I received the email when I reached out to them trying to get some closure on my inquiry but have since failed to do so and tried since then to get a hold of XXXX XXXX. XXXX but had had no luck doing so I left multiple voicemails but haven't heard anything back yet.i took it upon myself yesterday and called the Claim Inquiry Department that specializes in this cases and was told that the case had been closed since they couldn't gather enough evidence to support my claim. 
I really hope you are able to assist me with the matter in hand as that is hard earned money that I wish to get back. Only reason I have the money in the bank is for that sense if security but now that trust and safety has been broken. 

Thank you for your time. 

Best Regards XXXX 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 2024-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I am writing this request to BK OF AMER that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number 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 2024-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is reporting late payments for XXXX and XXXX of 2023 and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer 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 2023-07-20
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I reached out to Citi  XXXX XXXX Bank today regarding a bill payment. I established a automatic bill payment for {$1.00} monthly. This payment was set up for my local newspaper " The Commercial Appeal. '' I established this bill payment so I would not be charge a {$12.00} service fee. When I called customer service, I spoke with a gentleman named XXXX. XXXX explained to me that " technically '' this was not a bill payment. It is not a bill payment because it is not a check that is mailed each month. However, it is a monthly debit card payment. I thought debit card payments were also bill payments.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my updated credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable items below : XXXX XXXXXXXX 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 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 2019-01-24
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:
Experian was notified of the identity theft that I have been a victim of since way back in XX/XX/2018. I have a security freeze on my Experian Report, have sent in Police Law enforcement ID theft affidavits. I have provided proof that I am a victim of Identity theft this only occurred after my wallet was stolen. Not only are they authorizing these fraudulent accounts to be placed on my Experian credit report, They were notified that I did not authorize these accounts to be opened. I requested this account be blocked in particular because I have never received a single piece of documentation from this company. I have never been in any of their branches, never signed anything and the address they show that opened this account XXXX XXXX XXXX XXXX, Tx XXXX was never my address. I have notified the creditor. I am attaching my Identity theft Affidavit below once again. I called and spoke to Experian Fraud specialized services department whom located my identity theft affidavit. I advised them I have never done business with XXXX XXXX, and that the account only appeared after my wallet was stolen and after my identity was used unauthorized. Experian Refuses to block the fraudulent XXXX XXXX account and advised me there is nothing they can do. This is not my account. I did not authorize this account to be opened, I never received any information from this creditor. I never signed anything for this creditor. I never authorized anything verbally either. That's just it the account was only opened after my wallet was stolen by THE THIEF that stole my identity. Please Review Experian 's practices as they do not seem concerned about victims of Identity Theft. They are not following consumer laws.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX : {$10000.00}.

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 2019-07-01
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initiated a mortgage application to refinance a primary property I purchased in XXXX of XXXX. Day of closing my loan officer shows me the pay off from RoundPoint Mortgage Servicing and they are trying to be paid {$1700.00} for " Taxes paid ''. I had a tax proration on my purchase when I closed. I owed the tax proration plus the following year of taxes by XXXX of XXXX. I paid taxes due on XX/XX/XXXX on the county treasures website for the tax proration from the previous year and the entire year due. After calling Roundpoints customer service line about this, they essentially said that they were allowed to charge me what they want without providing any written notice more than once. They kept stating they sent me a letter in the mail saying if taxes were not paid within 75 days they would pay it an force escrow. XXXX XXXX stated the letter was sent out towards the end of XX/XX/XXXX. Roundpoint did not do a check to verify if taxes had been paid or not and sent a check to the county treasures office. Now today ( XX/XX/XXXX ) I am trying to close on a refinance and have to be delayed because Roundpoint will not update their payoff letter today removing their irresponsible charge of {$1700.00}. The front line agent was rude and disrespectful and her supervisor XXXX XXXX upon the initial call was rude and disrespectful as well. Both wanted to talk in circles about them having " the contractual right '' to charge me money with out notice and force escrow. Who is responsible to make sure they aren't irresponsibly charging/escrowing fees to their customers? I am attaching the letter they said they sent and I never received. Also, I will be attaching my paid receipt for taxes paid in XXXX and lastly, I am attaching the payoff I requested for the refinance.

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 2022-09-07
Company: Experian Information Solutions Inc.
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items 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 accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 swiftly.

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 2019-01-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use my Chase Sapphire Visa card I've had for several years to buy some concert tickets multiple times without success. I spoke with the company at least four times about the problem, but it still didn't work. I spoke with managers and their fraud department. Initially, it seems like they had a charge level set below the purchase cost, but even after I identified the seller name & exact dollar amount, the charge was again declined. This was after I was specifically told by a manager in their fraud department the charge would now go through. They refuse to admit fault, claiming the billing address or security code entered was incorrect. I refuse to believe their claim as : 1 ) they later admitted they had set a low fraud limit, below the amount I tried to charge ( and well within my credit limits ) ; 2 ) : the charge was attempted at least 4 times by at least 2 different sales clerks ; 3 ) : I gave the sales clerk my billing address & security code ; ( 4 ) : in the last two charge attempts, the sales clerk had the card in his hand ; ( 5 ) I was well below my limit, have never missed any payments with years of credit history & have a pretty high credit score. 
I ended up using a different credit card with no problem at all. 
I believe they refused the charge because they didn't want me to get the reward points.

Company response to consumer: Closed with monetary relief