BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unauthorized inquiry from XXXX XXXX would like inquiry 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 explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 vears.

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 2023-05-15
Company: ZIONS BANCORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently received a letter from Zions Bank regarding an issue in response to an email I sent. The email contained attachments that provided evidence of a claim of malfeasance by XXXX. The letter I received from Zions indicated that the claim was denied and that Zions considered the matter closed. 

I, however, do not consider the matter closed. The lack of consideration of Zions Bank has caused me financial and personal distress to me. I did not authorize the deduction of {$360.00} from my account, thereby putting the account into a negative balance of {$380.00} ( including NSF ). The charge should have been declined when attempted by XXXX. Clearly, Zions Bank entered me into a contract against my will.

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 2021-11-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This is a follow up to my first complaint which was never resolved but the case was closed. I applied to Barclays for a credit card and gave all the personal information plus the follow up documents that were requested. I never heard back. I tried for weeks to contact them but never was able to speak to a representative. When I finally did, I was told the request was denied but I had never been notified. I was told a letter would be received, which, to date, has never come. I asked to speak to another person and was refused. I submitted a complaint to your office and an inquiry was initiated, I heard from a Barclay 's XXXXXXXX ( " XXXX '' -no last name ) who stated I would need to resubmit the documentation and I declined, having submitted personal information twice already. I was asked if I wanted to withdraw the application and I agreed to avoid more " lost documents '' - ( as " XXXX '' stated ). I received a phone message to which I responded XXXX  times but never heard back. 
To date I have NEVER received " the letter '' explaining why I was rejected. I checked my credit score and it was not the problem. Now that I " withdrew '' my application '' all has been disregarded, including in your office but it does not in any way solve the problem of the collection of extensive personal information and no notification whatsoever about the rejection. No, this case is definitely not solved! I will continue to pursue this as this financial institution has my personal information and I have received nothing about the reason for the declination. Withdrawing my application does not correct their transgressions and closing the case does not eliminate the situation. I was definitely NOT going to RESUBMIT more financial information when I had already done so on the phone and by email and received NO RESPONSE in return. Why did their office never return my XXXX return phone calls? They left a message and never called me back after " XXXX '' offered to withdraw the application, which I have since found out will adversely affect my credit rating. This is abuse of XXXX XXXX of the highest order and I have received no answers from you, them or the 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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: IL
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # 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 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 reports by more then seven years.

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 2023-05-15
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Got laid off my job and the insurance would not cover the loan ..due to the fax having issue with unemployment moving from ny to Nc state a whole lot of red tapetried call on i bank for Assistance no help a bunch of run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Incorrect and untimely billing statements : I currently receive paper bills from Macys, but I make payments online through my Macys account. I have noticed over the last year that my payment dates have been mixed up but thought maybe it was just me mixing up dates. 

In XXXX I received my paper statement from Macys with a payment due date of XX/XX/2024. I made a note of the due date and I went in to make a payment on XX/XX/2024 only to find that the due date showing online was XX/XX/2024, which caused confusion. 

This has happened multiple times over the last year which has caused me stress, late payments and incorrect credit reporting that I have made late payments. 

Macys needs to issue correct statements that match online and through mail. I typically shred my statements after I make note of the due date since I make payments online.

These practices directly harm consumers who are already dealing with inflation. Paying late fees and getting incorrect credit reporting is very harmful.

Please investigate this further and demand that Macys do the right thing and correct its billing statements and issue refunds to consumers who have been harmed with late fees and negative credit reporting.

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 2022-11-22
Company: EQUIFAX, INC.
State: NC
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX BANK XXXX XXXX Balance : {$27000.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: CITIBANK, N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This started when I called to Citibank on XX/XX/XXXX, and asked if I can transfer money to XXXX. The answer was Yes. I proceeded and submit transfer for {$130.00}. By XX/XX/XXXX I noticed that money did not go to the destination. I called Citibank. They told me they had a question if it is a payment or transfer to private person. I answered that question. Since then passed additional 5 days. Again nothing. I called again. They told me it is under review. I told them just recall the wire, since it looks like it does not not go anyway. They submitted recall on XX/XX/XXXX. Since then I call Citibank every day. Absolutely nothing is happening. Money do not deposited back to my savings account, nor transferred to the destination. Citibank told me their regulations it takes 10 days. This 10 days passed, and Citibank does not return my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-07-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted documentation to Experian under the debt bondage repair act as I am evicting of human trafficking. I have some accounts on my credit report about directly related to the crimes committed against me. I submitted sufficient documentation under the law. The investigator has been attempting to contact people involved with myself attestation. They have not confirmed any information and will not do so as I have asked them not to. Experian does not have a right contact anyone under the law as it is written for confirmation.. nor am I required to give details of what is happening against. Experian is violating my rights.

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 2022-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
These were fraudulent charges that had been disputed and closed in XXXX by them and the credit bureaus for not providing proof. Portfolio recovery bought this from XXXX XXXX. It was removed from my credit years ago and without a 5 day reinsertion letter on XX/XX/XXXX they reinserted it. The amount has increased. The dates have changed also. They have the last payment date and the open and close date the same as the reporting date of XX/XX/XXXX for all 4. They call 5-7 times a day from XXXX XXXX- XXXX XXXX, they call from all different numbers after I tell them to stop calling on the first call. They threaten me that I'm conducting criminal activity and they are going to sue me and garnish my wages and assets. I have requested proof with them and they never send it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for litigation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
the companies are reporting incorrect information 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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I received investigation results from TransUnion that I totally disagree with, in the letters it described that the accounts I challenged and want remove from my credit report came back as verified and they will not delete from my report. However I was not given any physical proof or validation of the accounts belonging to me, In the investigation results I did not receive original applications or signed contracts bearing my signature showing the accounts are mine. Bureaus are in direct violation of the laws in The Federal Credit Reporting Act, you are required to remove unverifiable accounts that you can not provide physical proof of accounts belonging to some one. I take this matter seriously and I come to find out that the bureaus stated out in their investigation results that a data furnisher verified the information as correct who is this data furnisher verifying information on my credit report? this is against my consumer rights laws, as they are selling my consumer file information to companies without my consent, I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-06-27
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:
I am submitting this complain for you to know that I am a victim of I identity theft. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please delete the following items I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX 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 explanation