BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus was dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


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 2022-03-30
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XXXX XXXX I received a TD Bank Visa Card which I did not apply for. I contacted them by phone that evening and reported their error as I don't have and never did any banking with them so why would I apply for their card. Their claim was that this was that they had already marked the account as a possible fraud. On XX/XX/2022 I recieved a debit card from the same Bank, I tried to report it that evening but due to covid staffing and it being a weekend was unable to complete my call with them. On XX/XX/2022 I received a second Visa card from them having the same account information as the first. I again contacted them and this time was able to also speak to someone regarding the errant debit card. They have suggested I speak with you, SSA and Federal Trade Commision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My complaint is for Citibank, and this is my first complaint in 17 years after happily using multiple bank services. 

XXXX ) I opened my business account with Citibank sometime in XXXX or XXXX because of their promotion for new business accounts. 
XXXX ) I never used this account regularly. In XX/XX/XXXX, I needed all the money I could get and thought about closing this account with Citibank and withdrawing my funds. 
XXXX ) I tried using XXXX to transfer my funds out of this account, and at that point, Citibank removed my access online because of the fraud alert. They never contacted me to check this alert and help me with it. 
XXXX ) So I called them in XX/XX/XXXX to close my account ; while I did not get statements, do not have my account number since my online access was taken away. They looked it up with my SSN and said they had sent the request, and I will get the check to my mailing address, and the account will be closed in 7-10 business days. 
XXXX ) I kept waiting and calling them every month and hearing that the request was cancelled for some reason, but they would never communicate this. 
XXXX ) On top of all these, they started charging me from XX/XX/XXXX a {$40.00} maintenance fee, and I was told that I changed my account type to a higher performance account, which is why I see these charges - absurd, ridiculous at this point. 
XXXX ) Agent said approx, on XX/XX/XXXX, call that she could only reverse 2 charges but made sure she would call me personally if I didn't get the check-in in 14 days and the account was not closed. She also confirmed that I would not get the {$40.00} charge anymore, which was wrong in the first place. Not sure who authorized them to change my account type or start charging me. 
XXXX ) On XX/XX/XXXX, I again saw that {$40.00} was debited for the maintenance fees and today, XX/XX/XXXX, I am still waiting to hear back from Citi, get my money after 10 months of back and forth with them, and my account is still open. 
XXXX ) I have spent 15+ hours talking to Citi about this, and I am tired now. I do not have any branches in my city and can not stop by and discuss it with a branch manager. 
XXXX ) I felt to create my account on cfpb today and report this so that I and many like me can get help and banks do not take our money and accounts lightly. 

I hope to get some help and get this resolved soon.

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 2022-03-30
Company: EQUIFAX, INC.
State: MI
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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: CT
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:
While going through preliminary divorce proceedings, once my name was removed from the mortgage, my credit score dropped by over 30 points. And, I am assuming, my score will take another hit once I apply for a mortgage ( hard inquiry ), and yet another one when I obtain a mortgage. How is this a fair practice for someone who pays their bills and manages their debt responsibly? If I go to buy a car right now, or even apply for a mortgage now, this decrease may disqualify me from a better percentage rate. I first observed this change today on Equifax through my credit karma account. I reached out to Equifax but was merely given ways to read about what things impact my credit score, and links to articles on how to increase your score. I am asking for a reversal of this decrease, given the fact that the change that precipitated the decrease was not from a derogatory act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have an account on my credit from XXXX that they have mislabeled as from XXXX I have evidence that I can provide showing that I purchased the car in XXXX and that's when the account was opened so it should be off my credit report and also that the balance that they're saying is incorrect.

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 2023-10-23
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Sir/ma 'm This is XXXX XXXX XXXX i have created checking account with charles schwab on XX/XX/XXXX and i have deposited {$110.00} from my own XXXX XXXX XXXX account to my charles schwab account through XXXX on XX/XX/XXXX. 
I have verified my identity at XXXX branch ( XXXX XXXX XXXX, XXXX, ca, XXXX ) presented my driver licence with up to date adress XXXX XXXX XXXX, XXXX, ca XXXX, which is also on file with XXXX XXXX account. 
shortly after i was denied acess to this account, i was told it was because of my adress, i rent a room at this adress through airbnb, i live here long term and i recieve mail at this adress, this adress is also on my drivers licence. 
my account has been closed and the funds denied. 
im filing this claim because this is unfair and unethical business practice, im still looking to recieve the money i have deposited with charles schwab {$110.00}. 
thank you for understanding and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
This is my 3rd CFPB complaint after no resolution in speaking with American Express. 

I signed up for a Delta Skymiles card. XXXX miles with XXXX spend in the first 3 months. 

They say I'm not eligible but won't tell me why. I've never had this product before, never been rewarded, etc. but they continue to say that I'm not eligible without looking into the REASON!! 

I paid the annual fee. I met the spend requirements. I AM ELIGIBLE FOR THE WELCOME BONUS for the Delta SkyMiles product. 

Please respond with the answer as to why I'm not eligible. I'll continue to submit complaints until a human being responds with an answer that makes sense. 

Sincerely - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: SANTANDER HOLDINGS USA, INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It was after i had a back injury, then XXXX, then loss of pay before i could get social security disability coming in, i got delinquent with my truck payment. But i did pay them the late payments, the next week after i became current with them they repossessed my truck, i had to pay them {$630.00} to the company they used to repossess it, in order to get my personal items out of the vehicle. That was after i had paid them the late payments. Then they sold my truck for 1/3 of its value, then wanted me to pay a little over {$3000.00} to square up with them and not show up on my credit. 
On the current credit report they keep adjusting the last payment made date, so it will stay on my credit report longer, I'm guessing thats their motivation. Anyway, at the time i had so much to catch up on due to my injury, i had to retire from work etc. i haven't done anything to correct this non stop train wreck. I found out about reporting it through you all just today. So here we go. XXXX only knows how many people have been abused by this company in such a way. Santander vehicle loans have done some very wrong things, and wants me to continue to pay them for it. Im done with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022 I applied and was approved for a Chase XXXX XXXX credit card. The promotional offer at the time was 5 free night vouchers at XXXX properties if I spent {$5000.00} within the first three months of opening the card. As of XX/XX/2022, I believed I had met the requirements and stopped using the card for purchases, since the primary reason I'd applied for the card was for the promotional offer. My statement balances over that period totaled {$5000.00}. 

On XX/XX/2022 ( one week before the deadline for the promotion ), I called Chase to check on the status of my free night vouchers and was told I had nothing to worry about and would " definitely '' receive them. 

On XX/XX/2022, after still not receiving the vouchers, I called Chase again to check on the status but this time was told I had not met the spending requirements to qualify for the promotion. Apparently, the first time I called, neither myself nor the representative on the line realized we were including the {$95.00} annual fee in our calculations for whether or not I had spent enough on the card and the card 's fees do not count toward the {$5000.00} spend requirement. This left me approximately {$45.00} short of the spending requirement. After complaining to Chase and escalating, I was told awarding me the full 5 nights or even a portion of the nights would not be possible. 

I feel like this is a clear XXXX violation. Not only was it not made clear how to calculate my progress toward the welcome offer but there was no way to track my spending clearly on their app or website and their own representative misinformed me that I had qualified. If I'd been told of the shortage the first time I called in, I could have easily made a purchase to exceed the {$5000.00} requirement within the 3 month window. I am extremely frustrated that Chase did not even attempt to make this right. While I may not have met the letter of the requirement, I made every possible effort to ensure that I would qualify - even going so far as to call and double check with a representative before time ran out. I feel Chase should make some effort to make me whole, especially considering that I've been a loyal customer of theirs for many years and have always made on time payments. The exclusion of the fee from the spend requirement without offering an easy way to track progress toward a spend requirement like they offer with some of their other cards is deceptive, even if it may be spelled out in the fine print of disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Despite consistent contact with Sallie Mae and efforts to negotiate affordable payments with them, they continue to use hostile collection tactics with me. They refuse to even attempt recalculating my monthly payment after submitting paystubs that show my monthly income to be around {$2000.00}, while the monthly payment they are requesting are over {$260.00} per month. This is well over what I can afford, and they refuse to negotiate an affordable payment in any way, while repeatedly calling and asking for immediate payment while redirecting me to numerous collection agents as I attempt to find someone to negotiate affordable payments with. I understand the obligation of this debt, and wish to honor that obligation, but I can not sustain the payments they are requesting without placing a severe financial burden on myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
'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 2023-12-08
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:
ALL " XXXX  '' ACCOUNTS ARE DEFERRED UNTIL XX/XX/XXXX. THE CREDIT REPORT SHOWS XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Between the days XXXX  and XXXX  I was unemployment during the pandemic pui and Bank of America kept freezing my card saying that my card with Frozen because of suspicion of fraud I didn't ask them to freeze it they just did more than one time several times it would take forever for me to get to the front department to get it on Frozen weeks sometimes then they would ask me to be stupid questions and hang up on me then they close my account and sent my money I had left yet in my account back to unemployment and then I couldn't every time I recertified for my unemployment I didn't have any account to send the money to they didn't notify me that they were closing my account and it was several months before finally unemployment put another button on so that I could start certifying again I lost my car cuz I couldn't pay my car payments I got evicted from my house I'm homeless still from that and I don't think it was right if they kept freezing my card for fraud when I when I never asked them to and then they close my account because I was arguing with him on the phone and then I wasn't able to pay my bills or anything cuz I wasn't able to certify or when I did certify I had no bank account for unemployment to send the money to and I didn't get any of those certifications either because of the Bank of America my complaint

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