BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: CITIBANK, N.A.
State: WA
Product: Credit 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 tried and been denied the use of this XXXX XXXX Citi Bank XXXX XXXX card on several occassions since only opening this card in spring of XXXX. Just prior to traveling to the XXXX XXXX in XXXX XXXX  I called them to let them know I'd be traveling, when and where I'd be traveling, and was told that unless I could give them the zip codes of where I would be traveling and where I might be using the card, they would lock my card and not allow me to use it. This even though I told them where I was traveling to ( what states ), what geographic areas I would be in while traveling, and when I would be traveling there. Other than the initial transactions, used at a Macy 's store, other purchases have been blocked and my card has been blocked from any use. I tried using the card in XX/XX/ to purchase concert tickets online, only for that transaction to be declined. I attempted again today, XX/XX/, to purchase concert tickets once again, only to be met with the same results. I have called the XXXX XXXX on the card, now for the XXXX time, only to be told the card is locked and a letter has been sent that will take XXXX business days to receive. While the letter is being sent, the card will be locked and not able to be used. They say a previous letter was also sent ( although they can not tell me when the letter was sent nor the context of the letter ). I verified my personal info with them several times and yet they refuse to tell me why the card was locked to begin with and what it will take to unlock the card. I provided them with my name, address, and even the last four of my social security number. My call was even escalated to a supervisor only to be told that escalating the call would do me no good since they can't tell me anything. At this point, the card is useless, and the people servicing the card are of no help whatsoever. They can't even tell me what it takes to pay the card off with the result of cancelling the card. I either want the access to use the card as I have requested and at my discrestion or I want the card cancelled so I can pay the balance off and move on from this joke of a credit card.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

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 2021-05-05
Company: EQUIFAX, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX  XXXX Account Number : XXXX 2. XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: ALLIANT CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received an RV loan from Alliant, through the RV dealer, in XXXX XXXX XXXX  After several months, I noticed that my balance was not decreasing. I had asked for an explanation, and the representative stated " Our consumer loans ( for example, car loans and personal loans ) are simple interest loans. When a payment is made to the loan, any interest that has accrued since the last payment was made always gets satisfied first, and then the rest of the payment amount will be applied to the principal balance. '' My payments are due on the XXXX, however I sometimes wait until the XXXX to pay. Each payment shows a wild variance in how much of my payment is applied to interest versus principal. I have printed out an reviewed each payment made, and subsequent change in allotment to principal versus interest. It looks as though they are double-charging for days of interest, and no explanation has been provided as to why. 

I requested an amortization schedule and discovered that my balance, based on on-time payments, should have decreased by about {$2000.00} over the past 12+ months. That has not happened. In fact, my balance is roughly the same as the original, if not MORE. 

Something is not right here. Either they are purposely mishandling payments, double-charging interest on several days a month, or I got roped into a loan I didn't fully understand by a shady dealer. 

To be clear, I have never been more than 15 days late on making a payment. I have never gone 30 days+. All payments have been made, yet no progress has been made on the loan. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my fourth 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 an 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I applied for and opened a Bank of America XXXX XXXX Banking Account. I used the promotional code XXXX when opening the account. It had been more than 6 months that I last owned a Bank of America checking account, so I qualified for the promotion. After I had met all the terms of the promotion, I did not receive the {$100.00} bonus that was supposed to be deposited into my account. I called Bank of America twice to inquire about this -- once on XX/XX/XXXX and on XX/XX/XXXX. In the XX/XX/XXXX call, the representative was very unhelpful. In the XX/XX/XXXX call, I was given a case number that I could use for tracking my escalation. I have not received the {$100.00} that was promised.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 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 non-monetary relief
Consumer complaint received 2022-11-07
Company: Klarna AB
State: GA
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 hired photographer to take some professional pictures for my business. We had a consultation meeting to discuss my expectations. She suggested I use a fabric back drop wi to my brand color. She even created a mood board with the image poses I supplied and my brand guidelines she requested. I used Klarna to make my payment. Day of shoot, the photographer said she couldnt the main pose I asked for and she didnt use my brand colors. I was not happy and ask for a refund. She refused. I dont have any pictures from the shoot and Klarna refuses to cancel the payment citing that they paid the business already. I did not receive what was agreed on and Klarna refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NJ
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 written several letters to XXXX, XXXX and equifax to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated.

Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXX acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 written several letters to XXXX, Transunion and XXXX to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated. 
Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I want the company to remove the fraudulent inquiries in 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: AL
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 consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items.

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 2021-04-26
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. Remove XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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: Problem with personal statement of dispute

Complaint:
TransUnion-Private Mortgage Reporting, Lender sent copy of contract, deed, closing statements in early XX/XX/2022 to all three Consumer Credit Reporting Bureaus . To add insult to injury they all send me notices I need a residential debt reported to boost my score to get another mortgage. Only have two credit cards, Paid off a 6 year truck loan and my score drops. So I found out what they required, lender called them and sent in. TransUnion keeps giving up the run around, regardless of calling or texting or written communications with the same address for written, same phone number for their experts in the matter. There is nothing clear on Private Mortgage Reporting, because it isn't part of the scam to charge the lenders reporting so I believe that want money from my lender? Why when its my credit score that is suffering from lack of Residential or Housing Debt on my report? Will you bring suit against Transunion and the other two Credit Reporting Companies as they will allow the " scumb bag '' collections companies to put negative information on your report for you to get off, they aren't so quick to put positive information on your report without getting PAID!

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 
Below are the details of the fraudulent accounts : XXXX XXXX XXXXXXXX, Bankruptcy XXXX  XXXXdischarged Reference XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted multiple certified letters to TransUnion showing proof that a public record listed on my credit report should not be there. TransUnion has refused to delete this information, and has refused to investigate the incorrect information listed on my credit report and delete it as required by law. I submitted letters to the source of their information, XXXX and Courts and received information back from those sources that indeed the information on my credit report is not correct, unverifiable, and has been deleted. TransUnion has refused to believe this and delete this from my record.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I report that the information was not accurate on my credit report has payment history and the balance

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX, TRANSUNION ) XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX - XXXX ( XXXX ) 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 an account without my written instructions 15 U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The accounts with XXXX XXXX XXXX XXXX and XXXX XXXX, ALSO happen to be fraudulent, and the credit reporting agencies refuse to comply. I need IMMEDIATE compliance after failure to comply in previous disputes. To verify that an address listed on my

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: Dave Operating, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I opened up a Dave account and I have requested advances and paid them back on time. On XX/XX/XXXX I received a call from Dave that stated someone is trying to get into my account and if its not me to enter the code it sends to my number. So I enter the code and someone hacks into my account. Then the fraudulent person requested an advance of XXXX XXXX I contacted Dave immediately as I seen this happen and the lady I spoke with told me some one got into my account and added a card to my account and transferred the XXXXXXXX XXXX to a card ending in XXXX. I DO NOT HAVE A CARD ENDING IN THAT NUMBER. The women then sent me a code to my cellphone so I can reset my password but that still didnt stop the fraudulent individual from having access to my account. So that same day they started an investigation and told me that the fraud team would reach me in 3 to 5 days. It has been a month and nobody from the fraud team has contacted me. So then on XX/XX/XXXX the individual that has access to my account manually repaid the advance using my XXXX account of {$130.00} that I have attached to Dave and as soon as they repaid it they requested a XXXX XXXX  advance. Come on now!!! Why would I do that!!? So I then immediately contacted Dave as soon as my money was stolen from me and nobody helped they just stated they would add what happened to the open investigation. So I then contacted my bank XXXX to dispute the charge of XXXX and during the dispute process, Dave contacted my bank to tell them the charge is legit, KNOWING that I have an open investigation with them, KNOWING that someone added XXXX fraudulent cards ending in XXXX and the other ending in XXXX. Its also funny how Dave sent all the info about the advance and amount of advance but they did not show my bank what card the money was transferred over to because they know I do not have any card with any of those last XXXX digits.

Company response to consumer: Closed with explanation