BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
During a very harsh personal situation - XXXX XXXX, I received a phone call from Citibank asking me if I used the Citibank/Home Depot card lately. I told them that I never used this card since XXXX time frame when I needed it to get new windows for my house. I also mentioned to them that I did not know that I still have credit with them, more exactly {$5000.00} credit that they assigned me. During the summer, I received a few calls and an email + online receipts from somebody from Citibank trying to push me onto recognizing the purchases. I did not recognize those purchases made online since my card was not used to make those purchases. After a provisory credit of 2 months, and they never sent me a letter to announce that the provisional credit had stopped. The Citibank/Home Depot bills started in XXXX. Since then, they are coming regularly with added monthly interest. To me this is a very clear case of cybersecurity theft and a credit cards behavior of getting their money back on the expense of customers like me. I do not understand why should I pay for bills/purchases that I never made nor that somebody authorized by me made those purchases. All the Home Depot purchases that I made this XXXX were purchases made and paid by phone, with my XXXX card. I completed a police report ( on XX/XX/2023 ) and contacted XXXX and XXXX XXXX. I plan to contact XXXX as well, I will also contact the CitiBank/Home Deport card suc as to consider an appeal.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent my dispute letter to TransUnion on XX/XX/20.I attached it to this complaint I has been well over 60 days and I have not received any response about the negative finding on 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 2023-04-19
Company: Experian Information Solutions Inc.
State: PA
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'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 for 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 explanation
Consumer complaint received 2022-10-11
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My friend on XXXX told me I can earn XXXX dollars if I send money to a person and I fell for it. He asked me 4 times to send him more and more money. I felt like he wanted more and more money and nothing was coming into my Zelle account. I finally gave up and tried to get my {$950.00} bank that I sent him. He stopped texting me and never gave me any money. Im worried about this so much, I really sent him {$950.00} so I could win {$10000.00} and he have stopped contacting me. Please help me get my money back from this stealer.

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:
The accuracies of their reports were questionable to me because they appear to have different details among other consumer reporting agencies. I have already informed their company repeatedly that these accounts were found to be incorrectly added on my files to which I even requested them to process for a reinvestigation but they still failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have numerous exchanges documented about this ongoing issue -- which is the point of this complaint. Paypal is refusing to cancel my account after many exchanges by phone email and app messaging, citing policies that allow it to wait 180 days ( 180 days -- not a typo ) to close an account that has " ongoing transactions '' -- which in my case are fabricated by PayPal, as the vendor they cited as having a hold on my account had stated in writing is not the case -- which Paypal reps are simply flatly ignoring and attempting to gloss over with their typical compliment/apology/empathy " writing style '' eg " We understand how frustrating it must be. '' REALLY. No, they must not or they would cancel my account as I do not wish to do business with a company that is technically emotionally abusive. 

My complaint is specific to the ( again : fabricated ) obstacles PayPal imposes to closing an account. I am demanding that my account be closed BECAUSE of this kind of obfuscation and complete lack of transparency by PayPal, which obviously is what they train their " customer service '' staff to uphold. Responses in their help-message dump reflect this and are all but incoherent as well as inaccurate and irrelevant to a customer 's questions -- deliberately. It has to be deliberate, because the alternative to not mislead is so simple to accomplish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
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 2021-01-07
Company: Experian Information Solutions 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:
Chapter XXXX Bankruptcy XX/XX/2021 To Whom It May Concern, Your company is currently reporting a negative listing regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.

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 2023-01-23
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:
I had leased XXXX XXXX XXXX XXXX car and my lease ended in XX/XX/XXXX and my account was closed with no payment due. In XX/XX/XXXX XXXX reported my account ( after more than 1 year of account being closed ) was closed in settlement when in fact my account was never late in payment or settled. It resulted in my XXXX XXXX drop my XXXX points from XXXX too XXXX. I created dispute with transunion 3 times and it did not resolve it as it seems they do not investigate properly. I spoke to XXXX XXXX customer support and they said XXXX should not have reported it since my account was paid in full and the sent me letter as a proof. XXXX asked me to created dispute to report and they will take that out of my report. I did create dispute again and result was same as before since they kept that on my report. I am attaching letter from XXXX XXXX that says my account was paid in full. I attempted to resolve it with Transunion and XXXX XXXX respectively and it resulted in no fruitful result. I will kindly appreciate if you could please resolve it since after this my last resort would be to file legal lawsuit again Transunion and XXXX. 
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
Consumer complaint received 2022-10-11
Company: SLM CORPORATION
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector calls this number non stop. I only agree to written communication. 





XXXX ( XXXX consumer protection act ) The law restricts telemarketing certain phone calls, text messages, and facsimiles. It also places restrictions on the use of automatic dialing systems and artificial or prerecorded voice messages. Collections ' actions by phone are also regulated under the act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Company involved is Paypal. I received a prepaid mastercard in my name with a card number and documents on what to expect with the card on Friday, XX/XX/2021. The card has a sticker on the front with a number to call and activate. I did notice a drop in points on my credit score but thought nothing of it until i received this card. I do have a paypal account that I used for receiving funds from XXXX sales in the past and to transfer money, but I have never in the past year opened a new credit card with Paypal. 

An attempt to contact paypal that day went unsuccessful and another attempt was made Monday morning, XX/XX/2021. The representative could not find any information on file that indicated I had opened a new account or that I had a card on file. He attempted to direct me to a representative within the credit card department to help me but the call was never answered. I will attempt again Tuesday morning, XX/XX/2021 to contact paypal about this problem.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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:
CFPB # XXXX Additional Information Account is Paid Daste of Payment XXXX Account in equifax and XXXX has never been updated correctly. 

See attached : 1. original lease paperwork. 
2. XXXX XXXX Paid Total Loss Accident which occured on XXXX. 
3. XXXX never updated account in credit bureaus and refuses to correct their WRONG information. 
4. Please have XXXX Companies who have changed their names several times since 2019 recognize this account is paid infull 5. Restore PAID Closed Current XXXX Balance Owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
so i have a bank of america buisness accounts that i have open for less than a year for the buisness that i have currently and write paychecks for the employees i was notified yesterday from an employee that he couldn't cash his check so i went into a branch and was told to call an XXXX number and was told that my buisness accounts were closed for no reason and that it was a buisness decison and at the banks descrection to close at anytime without notifying the customer i asked the reason why and got the run around that it was a buisness descision. was told the accounts were gon na close on the XXXX of the month and that they were gon na cut a check and mail it now my funds are frozen for no reason and i can't pay the employees

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 2023-04-19
Company: GLOBAL SOLUTION BIZ LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing in response to your recent phone call on XX/XX/2023, in which you threatened to come to my home if I do not pay my debt immediately. I want to express my deep concern about the tone and manner of your communication, which I find intimidating and aggressive. 

I do not believe that it is appropriate for you to threaten to come to my home. Such tactics are not only unprofessional but also illegal under the Fair Debt Collection Practices Act. 

As a consumer, I have the right to be treated with dignity and respect. Your actions have made me feel harassed and frightened, and I do not think it is reasonable or justifiable for you to use such tactics to collect a debt. 

I have received text messages with screenshot of personal information. Which is my state identification, my address, etc personal information that was tagged in with the message. My only problem is if I would have changed my number someone could have my personal information! 

However, I would appreciate it if you would refrain from using such aggressive tactics in the future.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been receiving multiple calls a day from community bank regarding payment on my card. I have been making payments as I can but have fallen behind as I had to quit my part time jobs due to illness. Today alone I have already received 7 phone calls by noon. They are also calling my husband and parents, noone else is on this credit card or the application and they were never given permission to call them nor given their contact information by me. This is harassment and I feel illegal practices as they are contacting people not involved in the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: LDF Holdings, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This loan company has overcharged me for a short term payday loan. They are now saying a owe them money in the amount of XXXX and I believe with all the fees and everything they have overcharged me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
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: Was not notified of investigation status or results

Complaint:
My XXXX  XXXX bankruptcy was XXXX in 2014. Rushmore Loan Services never reported my payments to the credits bureaus and now y mortgage is with XXXX XXXX and they are not reporting my payments. My mortgage was not included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 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