BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Using my Home Depot Citibank credit card, XXXX To purchase lumber after receiving the lumber 12 days have come and gone the store refuses to I have someone pick it up because they use the COVID-19 as an excuse for not wanting to pick up the damage lumber. 
I had called the credit card to file they charge back they denied my charge back because theyre saying the store needs to get the items first. 
Which I explained that wouldnt be called a charge back that would be called the refund so 12 days now sitting with damaged lumber and them wanting me to pay for this damage lumber. 
So between the Citibank refusing to do a chargeback and the store refusing to pick up the lumber. 
They are forcing me to keep and pay for damaged material. 

Every time they allegedly say theyre sending a truck driver over I lug the lumber out put it on the sidewalk did drivers never show or the store managers say that I am trying to have them come inside do unit which is false. 

Today XXXX I logged lumber back out into the sidewalk the driver comes saying he can not except it it is not on a pallet. 

I walk to the store they refuse to wish me a refund I called the bank they refused to do a chargeback. 


They are refusing to do the charge back because the credit card is affiliated with the Home Depot. 

So they are refusing a dispute for a charge back out of prejudiced and biased.

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 2023-11-26
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2023 XXXX TO WHOME IT MAY CONCERN : I HAVE RECENTLY BEEN INFORMED THAT THERE IS NEGATIVE INFORMATION REPORTED BY XXXX  XXXX, XXXX CARD IN THE FILE THAT YOU MAINTAIN UNDERR MY SOCIAL SECURITY NUMBER. UPON REVIEWING A COPY OF MY CREDIT REPORT, I SEE MY ENTRY LISTING XXXX XXXX I OWE {$10000.00} XXXX I OWE {$8000.00}. 
I CHALLENGE THE ACCURACY, COMPLIANCE AND REPEATABILITY OF THIS LISTING. 
PLEASE VALIDATE THIS INFORMATION WITH XXXX  XXXX, XXXX AND PROVIDE ME WITH COPIES OF ANY DOCUMENTATION ASSOCIATED WITH THIS ACCOUNT, BEARING MY SIGNATURE. IN THE ABSENCE OF ANY SUCH DOCUMENTATION BEARING MY SIGNATURE, I FORMALLY REQUEST THAT THIS INFORMATION BE IMMEDIATELY DELETED FROM MY CREDIT FILE AND MAINTAIN UNDER MY SOCIAL SECURITY NUMBER. 
PLEAE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 1 ) ( A ), AND I AM KEEPING CAREFUL RECORD OF YOUR ACTIONS INCLUDING YOUR METHOD OF VERIFICATION I DO NOT CONSENT TO E-OSCAR OR ANY MEANS OF AUTOMATED VERIFICATION. 
FAILURE TO REPOND SATISFACTORY WITHIN 30 DAYS OF RECEIPT OF THE CERTIFIED LETTER MAY RESUKT IN SMALL CLAIMS ACTION AGAINST YOUR COMPANY SEEKING {$1000.00} PER VIOLATION FOR 1. DEFAMTION 2.NEGLIENT ENABLEMENT OF IDENTITY FRUAD 3.VIOLATION OF FAIR CREDIT REPORTING ACT 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
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
actions taken by me thru email shopping for auto insurance on email below I clicked the link and in the middle of providing my information I got 2 phone calls and four text messages the email I clicked on below TrueIdentity XXXX Provided my date of birth name car description my address XXXX. 
and then phone calls started from XXXX and XXXX then text messages from XXXX, XXXX and XXXX mentioning the year and model stating my quote is ready finding my shared information saved on proggressive.com geico.com everquote.com pretected.com Witnessing these service and practices was fun and educational As my quote went higher and higher shows the integrity and sales of information Giving a clear view of a collective of sloppy service and desperate practices I had to write this complaint as a concerned American Understanding where our Country in means of service are becoming unprofessional unaccountable and 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 2023-05-10
Company: Experian Information Solutions Inc.
State: WI
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 in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent juris
diction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-12-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a new checking account with Huntington Bank, and attempted to opt-out of arbitration per page 21 of their Consumer Deposit Account Agreement. This requires sending a written Arbitration Rejection Notice within 30 days via certified mail ( return receipt requested ) containing my name, my address, my account number, my intention to reject arbitration, and my signature. In their agreement, Huntington states they will credit the account " for the standard cost of mailing a certified letter. '' I sent this written Arbitration Rejection Notice on XX/XX/XXXX at a cost of {$8.00}, and received confirmation that it had been delivered to Huntington on XX/XX/XXXX. After receiving no acknowledgement or credit to my account, I contacted Huntington via phone on XX/XX/XXXX. Huntington 's representatives assured me they would look into the matter and contact me again. 

After receiving no contact, I called again on XX/XX/XXXX. I was escalated to a customer supervisor who looked into the matter while I waited, and assured me that she had spoken with the Deposit Account Arbitration department and that my account would be credited in the amount of {$8.00}. 

It is now XX/XX/XXXX. It has been 59 days and I still have received neither confirmation that my account is opted out of arbitration nor a credit for the certified letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent XXXX XXXXk a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX vs. XXXX ( MO ) XXXX XXXX XXXX, XXXX XXXX presume that no proof of the alleged debt for therefore any such debt, in fact exists.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
been disputing this for almost a year now and asked for proof as well as I've called and stated to them that I NEVER reopen a loan up, was told that they had a employee at that time was reopening old customers account and taking the money. they were suppose to take care if the problem but years later u see its still showing on my report.

Company response to consumer: In progress
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have two recent inquires one from XX/XX/2021 and one from XX/XX/2021 from a place called CBNA. This was not done nor authorized by me. When I XXXX  this place, its states this place is in New York, I'm in XXXX XXXX, there's nothing this company can do for me. Also, when I called XXXX when I noticed the first inquiry they said this was a credit card inquiry. I have a bank as well as a bank card, if I wanted a credit card I would just go through my bank, I wouldn't even go through the trouble of going somewhere else, let alone applying twice within 2 weeks of the first time. That's just nonsense. A few years ago I filed a police report for identity thief and if needed I can do it again for this. I have been working really hard on my credit and the last thing I need is false / fraudulent information on my report. I would've contacted CBNA but honestly I don't even know where to start, or what to say. What do you say to a company you've never spoke too? However, I will do what needs to be done to get this removed.

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 2023-11-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax, XXXX XXXX XXXX, XXXX, GA XXXX. 
All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX it was a XXXX XXXX XXXX The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that the XXXX XXXX model is flawed because it does not take into account situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
Please Respond! I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

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
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX, XXXX XXXX/XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I do not have a credit score. I need one. I am trying also to have the best credit score and buy anything on credit. i am trying to have a 800 credit score at least. I need to purchase things. i think the credit companies need to give better and higher credit scores. I always paid my bills on time. I need to buy a car without a cosigner and a house. Please fix this and a major credit card. Thank you. Credit Karma is not even showing my credit score. I need the companies to show my credit score. I need the most help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I worked with XXXX XXXX and others at Freedom Mortgage on refinancing my mortgage on an investment property in XXXX, TX earlier this year. I was told throughout the process that I would not be paying any points on the mortgage. In the very last couple of weeks, after *months* of working to making the refinance happen, getting the appraisal done, sending lots of paperwork, etc., they told me that I have to pay {$1000.00} in points, and if I don't like it, too bad. I complained and was told too bad, sorry. Given how invested I was at that point and that my other options I had looked into were gone, I went ahead and paid them to get it over with. I filed a XXXX complaint in XXXX. They eventually paid me {$500.00} of the {$1000.00} owed but are refusing to pay the rest. The XXXX complaint is ongoing. They keep making different claims, without proof, about how I caused delays in getting the refinance done, and I keep providing proof to the contrary, including emails and documents from their representatives recognizing and showing that they are at fault for the delays with the refinance. 

From the beginning, they told me verbally and suggested by email that the points would be on the Loan Estimate because I haven't yet shown via appraisal that I have 25 % + equity, but once I do, there would be no points. 
An early email : Me, in email to XXXX XXXX, Loan Advisor with Freedom Mortgage ( NMLS # XXXX ), on XX/XX/2021 : " The documents do show points/fees. Just to confirm, if my equity in the property is over ~22 %, I won't have to pay those points/fees, correct? '' Her response via email : " In regards to your first question if your home is 25 % or more in equity the points would be adjusted yes. '' Throughout the process, they would constantly acknowledge over the phone that they will/should remove the points, but avoided it in writing. I have copies of many many emails I sent specifically about the points that they simply ignored to minimize the paper trail of what they were doing. 

Late in the game they did acknowledge it in an email but then did not follow up : An email from XXXX XXXX ( Freedom Mortgage representative ) to XXXX XXXX, XXXX XXXX ( I believe XXXX 's supervisor ), and myself : " I spoke with Mr. XXXX and he was initially told that there would be no points being added to the loan. Are we removing those points? He is set to close on the XX/XX/XXXX. Can you please advise if when can proceed. " I sent at least *6* follow up emails asking for a response, but they never responded in the email thread.

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 2022-12-01
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2022, I reached out to my mortgage servicer, Fay Servicing because I have several issues with my account that need to be resolved. The first time I called on or about XX/XX/2022, I was given the name of my XXXX XXXX XXXX and I was told he would return my call. 

Subsequently, every time I called Fay Servicing, I was told that he was " unavailable. '' I have many serious issues I have been trying to resolve, and although some customer service representatives have been helpful, I can not get all of the information that I need, and I am being told that my XXXX XXXX XXXX is the only one with the details that I need. 

( I redacted my XXXX XXXX XXXX XXXX name on the attachment because he is an employee, and I do not fault him ; I fault the company. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX  Account No - XXXX 1. Past Due- {$900.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2023-08-28
Company: Sentry Recovery and Collections, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I seen that the company Sentry recovery and collections had reported an amount for {$2300.00} on my credit report with original creditors being XXXX XXXX XXXX. I called the veterinarian office and they stated that it was only {$120.00} not that outrageous amount which was still over the original {$2100.00} emergency XXXXXXXX total bill amount. I'd already paid all but the {$120.00} because I had caught XXXX that hit me hard. I called sentry recovery and collections and spoke with XXXX XXXX. I informed him that I had contacted the original creditor, and they had told me that the bill is only {$120.00}. He refused to verify the accuracy of the amount owed when had attempted to ask him to verify it, instead he became very rude and stated that I needed to provide proof from 2 years ago and would not investigate the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX {$270.00} XXXX- XXXX-Balance {$0.00} XXXX-Balance {$290.00}

Company response to consumer: Closed with explanation