BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TD BANK US HOLDING COMPANY
State: CT
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:
The Nordstrom Card, continually turns down charges at the register and then says we are investigating for fraud. 

My wifes and my card has been on hold for week despite the previous statement being paid in full, 4 direct conversations with the company ( wasting nearly 5 hours of my work hours, 3 calls to request our card be re-activated. I am stuck on hold for 40 minutes waiting for a supervisor. They have no reason to suspect fraud on any of our local purchases that have been verified by us as valid. We do not have this problem with our other cards.

Overall, it is not fair or reasonable that a card company can charge late fees when one is one second late for not meeting the conditions of the contract ( and also charge 28 % or more interest ). However, when the card company fails to live up to the contract and help facilitate transactions when all conditions have been met by the consumer, the card company should pay a fee to the consumer and also be charged for the consumers lost time at work having to sit on the phone to rectify the situation. 

The current framework is far too asymmetrical in favor of card companies and they should be fined and consumers compensated for failure to meet the conditions of their contract. 

I would appreciate if the CFPB would review Nordstroms practices as I feel they are violating not only regulatory requirements, lack available supervisors, and are not treating my family and other consumers properly and fairly!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I bought ring for my wife from zales in XXXX dollars 3 years ago I had to pay minimum of XXXX dollars per month this is what the the sales man told me and I did the same thing.After 2 years I got a bill of XXXX dollars with interest charge so it came to the same amount where it started.They never send me any notice or email saying that I have to pay my bill in 2 years otherwise they will charge me interest.I tried to explain them but they don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
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:
For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

For Open Account Invalid Latepayment XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-02-23
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:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filing another complaint, as a follow up to # XXXX XXXX which I filed with CFPB on XX/XX/2023 about Citizens Bank. This complaint was closed after a letter was sent by XXXX XXXX from the office of the Chairman at Citizens Bank. 

As I indicated in the feedback I provided on the CFPB site and in XXXX voice mails to and an email to XXXX XXXX ( last week and again yesterday ) -- the issue from the original complaint has not been resolved. It has now been XXXX weeks since I first made the claim ( XXXX ) to Citizens that a check had been fraudulently cashed on my account and they have provided no indication of when a final determination would be made. 

While I appreciate that Citizens finally offered a provisional credit ( reference number : XXXX ) to my account for the {$5000.00} that was fraudulently taken from my account, this credit is only provisional, and even at that, was not provided until almost XXXX months after I filed my original complaint with Citizens. It should also be noted that the XXXX Citizens employees I spoke with prior to filing my complaint with the CFPB all agreed that you could clearly see the outline of the name of the original payee on the check that was fraudulently cashed. The letter from XXXX XXXX indicates that Citizens takes the matter of fraud seriously and that it takes XXXX weeks to investigate and resolve a claim. It has been XXXX weeks since I filed this claim and the letter states that this claim is still under investigation. There is no indication of when a final determination will be made and when ( if? ) the provisional credit will become an actual credit. In addition, Citizens does not have a clear and transparent process in place, and as my original complaint stated, I received different messages from XXXX different Citizens employees about the time line and the question of a provisional credit. Until my account receives a full credit of the funds fraudulently taken from my account, my complaint stands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I retained a law firm named XXXX XXXX XXXX XXXX XXXX, ( hereinafter referred to as XXXX XXXX ) to help facilitate a loan modification with Citi Mortgage for my homestead property located at XXXX XXXX XXXX XXXX, XXXX FL XXXX, Loan {$0700.00} XXXX XXXX ( since that time my servicer has changed hands twice, from CIti to XXXX to now XXXX XXXX ) And I terminated XXXX XXXX inXX/XX/XXXX. My Complaint to the CFPB is regarding Citi Mortgage and the violation of FCCPA and Fl Stat 559.72 ( 18 ). On XXXX XXXX XXXX sent via certified mail a Cease and Desist Letter directing XXXX to send ANY AND ALL future correspondence to XXXX XXXX. On XXXX XXXX XXXX  also sent certified mail to Citi a Qualified Written Response. Citi Mortgage blatantly IGNORED both of these letters, which DELAYED AND HURT THE LOAN MOD EFFORTS THEREBY CAUSING ME IRREPRABLE HARM AND HURT MY CREDIT. I received OVER 60 letters from Citi after XXXX which by all rights and purposes were supposed to be sent directly to XXXX XXXX, which the CFPB can plainly see delayed and hurt me terribly. By Citi ignoring the C & D, and  the QWR wreaked havoc on my effort to simply just modify my mortgage. Citi repeatedly sent to me OVER 60 letters, of which I have them all, and would be too voluminous to submit to the CFPB with this formal Complaint. On XX/XX/2015 XXXX XXXX   sent a formal Demand Letter to Citi mortgage WHICH ALSO WAS IGNORED. Citi Mortgage 's blatant gross disregard and IN VIOLATION of the FCCPA AND FLORIDA STAT 559.72 ( 18 ) is reckless and hurt me and my credit. These national mortgage services need to be held to a higher standard and be held accountable. By their not adhering to the FCCPA AND APPLICABLE STATUTES HARMED MY CREDIT. I am submitting this complaint to the CFPB as well as sending a formal demand letter for restitution to me from Citi. I have since after much, MUCH effort finally obtained a loan modification for my homestead AFTER EXHAUSTIVE EFFORTS WITH CITI WERE FUTILE AND NOT SUCCESSFUL. I can not stress to the CFPB enough that even with an attorney pursuing a loan mod it was impossible to achieve with Citi ; I finally did obtain a modification with XXXX when they took over servicing my mortgage, which has since changed to a servicer named XXXX XXXX. CITI MORTGAGE BLATANTLY IGNORED the C & D,  the QWR and the Demand Letter. HOW CAN A NATIONAL MORTGAGE SERVICER DO THIS IN GOOD CONCIENCE??? The lowly homeowner WHO THEY ARE SUPPOSED TO BE SERVICING IS JERKED OVER AND HURT.

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 2023-05-02
Company: Genesis FS Card Services, Inc.
State: OR
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:
Company advertised a XXXX XXXX XXXX XXXX XXXX with a XXXX dollar card credit line once the XXXX dollar fee was paid making the total XXXX XXXX XXXX XXXX. I used up the XXXX without paying the XXXX fee and recently paid off entire card. I was under the assumption that this was a secured credit card by using my XXXX fee which I never met. This is deceptive practices and should stop deceiving customers with this approach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: United Revenue Corporation
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:
This company is claiming that I owe a debt, but I have never had a relationship with UNITED REVENUE CORP . They are illegally reporting XXXX incorrect accounts to XXXX, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both XXXX and UNITED REVENUE CORP received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both XXXX and United Revenue Corp are in violation of HIPAA. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting my last name inaccurately on my credit file, I have tried getting them to fix this error twice with no resolution. My first dispute was sent certified mail in XX/XX/2018 and my second attempt was through Equifax Online Dispute Portal on XX/XX/2018. I have sent them all required documentation both times. They received copies of my drivers license, social security card and, proof of residency. Equifax is reporting my last name as XXXX which is Not the correct spelling. The correct spelling of my last name is XXXX. I have had it trying to dispute anything successfully with this company because they Do Not take responsibility. Equifax is Not properly investigating my disputes. How can this company claim to have my best interest in mind at preventing identity theft when they allow for a simple misspelling of a consumer last name to appear on the consumer file. I want CFPB to take the necessary steps to penalize Equifax for allowing these preventable mistakes. I am a victim of Identity Theft and I take my consumer files very serious and when I have tried disputing the incorrect spelling of my last name for 2 months to no avail it starts to make one wonder what Equifax is even doing to protect consumers and why they are reporting inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was recently billed a debt collection reference number XXXX from XXXX XXXX XXXX in the amount of a {$420.00} it says it is from a debt owed by XXXX XXXX XXXX  account number XXXX this is from an emergency room visit I dont remember which hospital that I actually had a workers comp I do not know why they have now put it in collections against me I do not need that on my credit report because it was something covered under his Workers Comp. I got injured at work they gave the Workers Comp. information I gave the Workers Comp. form to my former employer and there should not be a debt owed to this account I am now complaining that this is now harming me by bashing on my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, called Tranunion and XXXX for credit i never applies XX/XX/XXXX called Tranuion and XXXX to remove inquiries for credit i never applied thank you 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 2023-11-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I received the notification that the investigation was completed and notice a lot of things were still the same. XXXX, XXXX Equifax did not modify or remove inaccurate information from my reports. Personal information such as addresses, account open dates, last active days, balances, dates of last payments and payment history data are not correct which is a violation. I am a XXXX XXXX XXXXr of XXXX and this is impacting me from moving forward to buy the car I need to go to work everyday. I attached my credit report and highlighted the inaccuracies they didn't removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NY
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:
After reviewing my Equifax consumer report, there is nonpublic information being reported in my consumer report that is a result of identity theft. I never gave written permission/instructions for these companies to report this nonpublic information in my Equifax consumer report. Equifax never even disclosed to me that they received a request from such companies to report this information in my consumer report. Below I name the information that is result in identity theft XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent accounts and information 's in my file. The items I need deleted are listed in the report. I have been a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. Also, I have been requesting that you send me copies of proof of verification or proof of ownership regarding these items and yet I received nothing. Your continuous reporting of the disputed accounts and information is in violation of my Consumer rights under the FCRA. I demand you to please remove the disputed items from my Credit File.

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 2023-05-02
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: Information belongs to someone else

Complaint:
As such expense, I am so disappointed that this account is reporting on my credit report and this shall not be on my credit report due to inaccuracies! According to FCRA 605B, these company only have a little of 4-5 days to remove this accounts considering that this is inaccurate!

Company response to consumer: Closed with explanation