BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/XXXX Transunion started charging me a monthly hidden fee that I was competely unaware of until this month. I am XXXX and did not sign up for a monthly service from them. I was completely unaware that they were charging me {$21.00} every month and charged me the last payment of {$27.00} on XX/XX/XXXX. 

I have called them and they have refunded me 3 months of payments totaling {$70.00}, however, I would like to receive the rest of my hidden charges back due to the fact that I did not utilize or sign up for this service to begin with. I have done ample research into this issue, and apparently the company has been fined over {$300000.00} already for misleading consumers and taking money out of clients ' accounts who did not even request Transunion 's services. 

This is the same thing that has happened to me. Since I am XXXX, I did not realize this was happening until recently and am prepared to take all actions necessary to get my money back. It is unfortunate and sad that this company would take advantage of a XXXX young woman like myself.

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 2019-06-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called and disputed these things on my credit report and I have let them know this information is incorrect. I have written letters and spoken with multiple representatives to get this information corrected. The following accounts are listedXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had received a couple of calls from Jefferson Capital at the end of XX/XX/2020, but nothing out of the ordinary. However, today, Wednesday, XX/XX/2020, they called me four times within an hour. The first two were at XXXX and XXXX and the last two were at XXXX and XXXX. I answered the last call and informed them I would be filing harassment charges against them for the repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received the response from Citi to my previous complaint XXXX regarding cash back reward of the Dividend credit card. They insisted the negative XXXX Dividend Dollar balance is correct. 


Again, this is absolutely wrong calculation even using their logic of how to apply the 5 % cash back onto eligible transactions from BestBuy purchases in 2021 XXXX quarter. 

Their response stated The {$1700.00} return from Best Buy, which was for the charge billed on XXXX XXXX, 2021, was received on XXXX XXXX, 2021. I agree that I should not receive cash back for the XX/XX/XXXX transaction, however, the transactions after XX/XX/2021 were still eligible for the 5 % cash back until the annual cap is reached. 


When the return was accomplished, it cancels the {$88.00} cash back earned from the XX/XX/XXXX transaction, which makes my accumulated cash back way below {$300.00} ( {$210.00} as of XX/XX/2021 ). 


Citi admitted they didnt grant 5 % on the Best Buy charge for {$1600.00} billed on XXXX XXXX, 2021. However, this transaction is eligible for the 5 % cash back since the cap was not reached. I did the calculation and included it in the attachment. 


Finally, the overall amount I spent at BestBuy was {$5900.00}, which qualified for {$290.00} cash back and didnt reach the annual cap. Since I redeemed {$300.00}, the cash reward balance should be - {$2.00} instead of - {$88.00}. I request Citi to review the calculation and correct the mistake. 



Additionally, I would like to emphasize the {$1700.00} refund from Best Buy was issued by Best Buy on XXXX XXXX, 2021. But Citi posted very late on XX/XX/XXXX, causing all these troubles. The processing speed of Citi is very disappointing.

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed 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 explanation
Consumer complaint received 2023-02-17
Company: ENOVA INTERNATIONAL, 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:
I have been trying to get the late payment off of me for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that i myself are submitting the request to have this late removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be 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 non-monetary relief
Consumer complaint received 2022-02-16
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: Personal information incorrect

Complaint:
I have filed a dispute to have the information removed as it is inaccurate. It has not been removed with in a 30-day time frame.

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 2022-02-16
Company: Advanced Resolution Services Inc.
State: MS
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 have been reaching out to Advanced Resolution Services since XX/XX/2021 requesting a copy of my ARS consumer REPORT. I have yet to receive a report from the company. I have attached another request today with my personal information as well as my signature to request a copy of my ARS consumer REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
tried to get them to verify XXXX XXXX XXXX  they continue to say they verified information and it is correct, but they could not verify the same information on wifes account and deleted it. they wont send information used to verify as i have requested. 
my next step to get it verified will be to file in court and sue both transunion and 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 2023-02-21
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My problem is with Western Union Money Transfer. 
I sent {$500.00} to XXXX XXXX in the country of XXXX on XX/XX/2023. The MTCN is XXXX. The person has been unable to collect the money - her bank said the MTCN doesn't exist. I have called Western Union several times- each time they have transferred me from their call center in XXXX to somewhere in the US, and they say to give them 48 to 72 hours and they will respond by email. I haven't received an email, the person hasn't received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: SUN WEST MORTGAGE COMPANY, 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: Account information incorrect

Complaint:
I had a Mortgage loan with Sun West, and in XX/XX/2019, I had my loan refinanced by XXXX XXXX, the loan was paid in full to Sunwest on XX/XX/2019, but the problem is Sun west is reporting the the Credit agencies that I was late 30 days in the month of XX/XX/2019 and XX/XX/2019, I have called them several times explaining the mistake they made, and still SunWest do not fix the issue, Also I have contacted the Credit agencies especially XXXX  to try to address and get it fixed, but XXXX  is not taking any action to correct my credit report, even I have provided withe the proof that XXXX loan was paid off on time to Sunwest, also SunWest had acknowledged that there was an error on their part, however since XX/XX/2019 still has not fixed the mistake they made with the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: GA
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 checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-06-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My online account locked by credit card company and I tried calling them during the covid times but they didn't respond to the issue. XX/XX/2022, I tried explaining this to Citi bank and requested them to remove the interest charges as its not my fault but they didn't. I received call from company executive team regarding the issue after I raised it from CFPB, they agreed that my account was locked and I re-registered the credit card but still asked me to pay the completed amount. 
I tried calling citi bank many times, they acted as if they don't care. I tried explaining the situation and resolve it but they were adamant and locked my account while I was on chat with the customer care. 
Even the executive customer service member was like you own a credit card you pay the bill, in the same call she looked at my log on records and told me about the re-register situation after customer service resolved the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing these items in which transunion failed to remove them off of my credit profile. This has caused me substantial harm, and I am unable to apply for a home due to the accurate information TransUnion put on my credit profile, Please submit to me in writing where the courts verify the bankruptcy in writing. The law states if you are unable to verify information, it must be removed. You failed to remove all in accuracies. The bankruptcy court does not report or transmit bankruptcy court records or an other information directly to credit reporting agencies. Please look at XXXX XXXX documentations where it states you must remove all things related to the bankruptcy.

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 2018-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXXwas reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.

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 2022-03-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022. JP Morgan Chase cash an altered ck # XXXX. I contacted them on XX/XX/XXXX, and submitted a Declaration of Unauthorized Endorsement or Altered item on XX/XX/XXXX as requested by JP Morgan. I called a few days later and the representative confirmed that they received the paperwork and submitted it to XXXX XXXX XXXXXXXX. I called back JP Morgan later to check on the status and they claimed that they did not received the paperwork. I went back to the branch on XX/XX/XXXX and requested that they faxed the information again and include additional information such as police report, and letter from the Office of the Receiver of taxes because the check in question was for my property taxes and it was payable to XXXX XXXX XXXX who is the Receiver of Taxes. On XX/XX/XXXX, they still claim that do not have the information. Again, the information was faxed by my banker on XX/XX/XXXX. JP Morgan is negligent in cashing a check that is clearly altered, and is refusing to give me back my money. I filed a complaint with XXXX  and they referred me to you the federally chartered institution that has jurisdiction over JP Morgan Chase. Please help me to resolve this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On Tuesday XX/XX/2019 I paid my balance in full ( XXXX ) to Bank of America for the card I have with them. It then showed I had a XXXX balance. I called in because I was seeking a credit limit increase. I looked 2 hours later at my Bank of America account and saw that there was no reflection of my payment. I called in and the operator couldnt find it either. This morning I looked and there was no reflection of my payment and now there is a new balance of XXXX. 

The confirmation number of the payment was XXXX For XXXX. I looked at the close date and realized that if Bank of America doesnt reflect this payment until the 10th they would have a right to interest, this is a tactic to fee harvest. And I would like it brought to light. Ive had this card for 4 years and Im sure this was not the only time I have been cheated.

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 2023-12-03
Company: EQUIFAX, INC.
State: AL
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:
I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from XXXX, Equifax, XXXX etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Equifax are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: AMERICAN EXPRESS COMPANY
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I hold an Platinum credit card account with American Express. One of their benefits offered with the card is a {$50.00} credit when making a purchase with a specific vendor, XXXX XXXX XXXX. I made a qualifying purchase on XX/XX/XXXX in the amount of {$67.00}. Amex issued the {$50.00} benefit credit on XX/XX/XXXX. 

The item was not received and was lost in the delivery process. The vendor provided a credit to reorder the item on XX/XX/XXXX. On XX/XX/XXXX, Amex charged me {$50.00} as a retroactive revocation of the benefit paid on XX/XX/XXXX. 

The terms and conditions of the cardholder agreement between American Express and myself state that the benefit amount can only be revoked under certain circumstances : " Statement credit may be reversed if the eligible purchase is returned/cancelled. '' or " If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. '' I contacted American Express about the credit reversal and explained that I neither returned nor cancelled the order. I made a qualifying order that met all the conditions listed in the terms and conditions and was credited the benefit accordingly. The vendor provided a credit to reorder the merchandise based on it not being delivered. American Express responded that they would reverse the credit in any case in which the charge was reversed, even if it did not involve a return or cancellation. I asserted that their revocation and policy was not consistent with the terms and conditions, but they refused to change their position on the {$50.00} retroactive bill for the credit.

Company response to consumer: Closed with explanation