BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.

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 2023-08-09
Company: EQUIFAX, INC.
State: DE
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:
This is ONE main letter disputing any inaccuracy on my credit report to please be removed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was unknowingly signed up for " Payment Safeguard '' without consent by Citi and have apparently been charged and paid fees since approximately 2012. I became aware of it when using a new recurring bill monitoring tool. This was deceptive practices by Citi and they refuse to refund the money spent for years which amounts to thousands of dollars. I have stopped the service and made multiple requests for reimbursement. They did not ask for consent or ever explain what service was and portrayed it as a required fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, ( TRANSUNION XXXX XXXX ) This XXXX account needs to be updated to Closed/charged off with a zero balance. XXXX and XXXX are showing a zero balance also XXXX and XXXX are not showing this as revolving credit either. So you all need to delete this or update like the other two. Stop putting this account as revolving credit as its not. Its a closed/charged-off account. Also as you see major acct stuff reporting wrong throughout all XXXX bureaus.. The credit limit amts are not matching on each report as well as the dates last reported nor the date of last payment, the date last active. Pretty much this needs to be deleted from my account as its reflecting incorrectly and harms my ability to obtain a mortgage loan. My lender told me that this is hindering me and also that its not matching as well. Please delete my XXXX account or show a zero balance and show as close as the other two bureaus. Yes, they all say charge off, I get that, the thing thats not reflecting on your bureau is that there's no balance, and it's closed. Pretty much you all should delete this whole account for inaccurate reporting altogether. It's right here in proof. 

Thanks, XXXX XXXX last four 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 2023-08-09
Company: Atlanticus Services Corporation
State: FL
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:
I have been a victim of identity theft and due to the fraudulent activity ( including fraudulent payments ) I was told that once the provisional credit hits my account the manager advised me that my account would be opened ( since the reason for the closure was not my fault and I am being punished for something far out of my control. They requested that I send the fraud of affidavit, police report, and the statements showing close to XXXX in fraudulent transactions and XXXX plus XXXX in fraudulent payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Opened up a Home Depot Credit Card Account for a remodeling job. Mailed a check to XXXX Depot for {$700.00} on XX/XX/2022, for one of the 1st payments. Paid Home Depot monthly payments on the Home Depot Credit Card from XXXX through XXXX. In XXXX we made a payment for the final balance for the amount of {$14000.00}. In XXXX we received notice that we still owed {$700.00}, and that is when we realized that our check was never credited to our account. I have spent the last 6 months submitting Dispute filings to Home Depot, letters to the President of Home Depot, multiple phone calls & emails to Citibank Credit Card Dept. I have received verification from XXXX that the transaction was approved, & my personal Bank that the funds were paid to Home Depot as an ACH payment. Home Depot & Citibank have been calling, emailing, and texting me with demands for additional payments. A recent letter from CitiBank states, " Home Depot was funded for the amount of {$700.00} on XX/XX/2022. There is no evidence that Citi was ever funded for the ACH, the documentation that was received is insufficient ''. I have given Home Depot/CitiBank all the verification needed, yet they still insist that I am responsible for loosing the check/ACH payment.

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 2023-01-10
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:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NY
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 and 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The refused to refund my money from a scam Ive been fighting since XXXX of XXXX. And twice now Ive requested information regarding money missing from my account and the advocate will give me a generic response that when I question it showing proof I was sent back to automatic chat bot and can not get help. It has now totaled almost {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: GA
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:
This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: United Shore Financial Services, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested the PMI be removed from my loan on multiple occasions. Once I got the amount needed to pay the loan below 80 %, with the last lump sum payment of {$9600.00} on XX/XX/XXXX another request was sent by email to remove the PMI. According to the letter from United Wholesale Mortgage dated XX/XX/XXXX it states the different ways to remove PMII qualify for the borrower requested cancellation of PMI removal option # 2 : the date the principal balance actually reaches 80 % of the original value of the property.

The PMI has continued to be wrongfully charged {$97.00} in XXXX and XXXX. I want these PMI payments reimbursed due to the current loan to value being below 80 % and I want the PMI removed ASAP. Every time my we contact UWM we get the run around and that the department is busy. It has been well over 30 days from removal request. This company is deceiving in what they state in their letters and on the phone, and lie and dont follow through on their end once they have my money. I can not talk to anybody or escalate anything in the escrow department. The frontline customer service reps can not fix my issue. I have tried many times and feel I am being tricked by my mortgage lender and they are actually now stealing money from me because they are taking XXXX per month without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.

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 2023-01-10
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:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: LendUp Loans LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I began borrowing funds via payday loans from Flurish dba Lendup in XX/XX/XXXX. I made my payments on time and if I needed an extension I would request them. I accrued ladder points that would position me to borrow more funds at a lower APR. I began borrowing when LendUp was in its beginning stages and the ladder points system in Louisiana was incomplete. I borrowed so much that I made it to top tier really quickly and was not receiving the proper discounts/APR rates. Over time, I kept track of my payments and the high interest I was being charged despite what the company advertised and what I was told. I would file formal complaints and I would receive refunds. In XXXX -XX/XX/XXXX, I experienced financial hardship due to the government shut down. I reached out to LendUp to request a payment plan. I also inquired about the wrong interest rates and stated that I was being charged the wrong amount considering my ladder points. This is not the first time this happened. I spoke with a male rep who called regarding my overdue payment and he agreed to waive the balance if I made two payments. This is why I refuse to remit the payment they are stating I owe. I do not owe them anything. My account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: IN
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 REVIEWED MY CREDIT REPORT AND I DON'T RECOGNIZE THE INQUIRIES

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 2023-05-17
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have paid off M & T BANK, but they refuse to offset their books to show my account paid in full on XX/XX/2022. In addition to this Writ of Quo Warranto was sent to XXXX XXXX and XXXX XXXX XXXX. Then recorded on the public record. 
The deed was reconveyed to me and recorded on the record and signed off of by the chief judge and yet M & T and their XXXX partners are trying to disregard all of this and give the false impression that they have a legal interest in the home. Their shadow title and their claim as the principal XXXX XXXX XXXX attorney in fact has been dissolved and recorded on the record Georgia revocation of Power of Attorney. 
XXXX XXXX. is the attorney and debt collection company in this collusive XXXX action. Their CEO XXXX XXXX was also served with a writ of Quo Warranto and he did not answer. He was also sent the recorded revocation of power of attorney dissolving the attorney-in-fact relationship and their fraudulent activity. Seeing that XXXX and M & T refuse to adhere to the law but use a statute ( which is not a law ) to justify their actions I am forced to present them with the attached lawsuit for their criminal activity. XXXX XXXX has been served with a special deposit to access the spendthrift account and offset the account according to the FAS XXXX, XXXX books. I am also ordering the judge to subpoena both sets of boos and all accounts as Banks are known to keep more than one set of books. one liability and one asset. usually, the accounts have no knowledge of the other. So when a complaint like mine comes in they can not fine the offset documented. They will show up in court and sign an affidavit to testify and not lose sleep because they genuinely do not know of the separate books. The other misconception is that banks deal with money... they do not they are in the business of selling securities which begin as promissory notes.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: CA
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:
Experian credit report shows one inquiry which was NOT authorized. This criminal company Experian puts ( 1 ) hard inquiry without any legal authority and ( 2 ) does not update correct address. This is 10th time.

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 2023-08-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Barclays Arrival World Mastercard Promotional Balance Transfer 0 % until XXXX. I am not able to pay off the promotional balance transfer by XXXX because Barclays will only apply my payment to another promotional balance transfer with 2.99 % and a higher balance which will expire on XXXX. I explained that I want to pay off the balance transfer that expires on XXXX so that I don't have to pay interest. They will not make any effort to apply my payment to the one that is expiring in XX/XX/2023. When this balance transfer expires on XXXX I will be charged estimated interest of XXXX to XXXX and the interest rate will then be 29.99 %. I spoke to a manager and they have NO WAY of re-applying my payment to the expiring balance transfer. This is a bait and switch situation!

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 2022-11-29
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, Equifax and XXXX. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXX XXXX and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXX XXXX sending on XX/XX/, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX  Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the XXXX XXXX of each month. In my case, is XX/XX/. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently received a letter from XXXX stating that a credit card for their store was opened up in my name. I never applied for the card. I called the company and they said a block was put on the card. I asked them to cancel the card and the lady helped me out with how to proceed with the process. they were able to access a card by having my phone number and my social security, No charges were made on the card because theyre was a security hold put on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My name is XXXX XXXX XXXX and I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. TransUnion and XXXX unlawfully furnish my information without my written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next XXXX business day as stated under law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief