BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX  ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXX XXXX-does not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of XXXX of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a fraudulent check was deposited into my account through an ATM. On XX/XX/XXXX, XXXX withdrawls were made totaling {$1200.00} at the same time the check was deposited followed by a debit transaction for {$4700.00} made on XX/XX/XXXX. I filed a claim against these amounts and the fraudulent check. Subsequently I have had 2 claims denied, not been able to get in contact with the representative XXXX despite repeated messages and calling almost once a day. The claim was denied because he said that I gave out my PIN even though I did not, and let him know I had nothing to do with this and did not give out my PIN. I call Citibank almost every three days and they are unable to give me any information or help. The fraudulent check was for {$8900.00}. The bank did not contact me to verify, or even place the check on even a 24 hour hold nor does the signature remotely match my own. Had they not cashed this fake check without even the slightest due diligence these transactions would not have been able to occur. I tried to close the account the next week and was falsely told that I would not be able to. Subsequently my pay check and tax refund check were used in order to cover the loss. I have filed a police report which the XXXX police department said would take 3 weeks before I have a written report ( # XXXX ) Citibank has not been helpful at all in anyway. I am on my third dispute trying the receive the same money credited to my account and still unable to contact XXXX. I even called the Citibank fraud department and had the lady on the line try to reach XXXX, he did not answer her calls either. My first complaint was filed on XX/XX/XXXX, the second was filed XX/XX/XXXX and the third complaint was placed on XX/XX/XXXX, almost a month after the initial fraud occurred. I told every one whom I spoke with at Citi that I would fully help in prosecuting the culprits however Citi notified me that they would not even be checking the cameras to assist. I have done everything possible to help Citibank and all they have done is run me in circles and taken good money from me in order to cover the bad money they let go.

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 2018-11-06
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I did a promotion for Citibank that stated i would get a {$400.00} bonus if i deposited {$15000.00} and left it there for 60 days. I then confirmed the promotion was on my account and i met all the requirements during a chat on XX/XX/2018. I was told that the bonus would arrive by XX/XX/2018. This did not happen. I then chatted with CitiBank on XX/XX/2018 and they also confirmed that the promotion was on my account and i met the requirements. They submitted for in investigation on why i didn't receive it. I then chatted with someone on XX/XX/2018 because i have not heard back from them. They informed me they are still looking in to it. I think Citibank is trying to get out of paying the bonus they promised. I would like for CFPB to look into this further.

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 2021-03-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX. OF XXXXL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX COMPAN # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In response to Transunion keeps re-adding the website XXXX to my credit report after they lost disputes at ever credit bureau even at Transunion due to identity theft. After Transunion released this is one of their advertiser who buys adspace on their website they quickly froze my account leaving free to any hacker or anyone who purchase my info from the dark web due to XXXXXXXX  and XXXX  leaks . They turned off my removed credit freeze and fraud alerts for weeks so they can add their advertiser back on my CR just because he asked them to? Is that not Breaking the rules of FCRA many times over and over again? It sure is, so lets get something done about this. before I get the law involved. 

Transunion just keeps lying. in all of their responses to my complaints and someone working at CFPB for them has been deleted the worse ones not just closing. Which involves Accessing CFPB database database you are using Without permission. 

in response to complaint ID : XXXX Lie # 29 Transunion quotes this on XX/XX/2023 to the complaint yesterday they started " no credit card from XXXX  was found listed at the address I posted on my FTC REPORT. " Which is 100 % a lie once again. I will upload the first 2 pages of a letter from XXXX  and any investigator beit the police which states this address they have just lied about yesterday. XXXX you are able to start using any credit card instantly before it gets to your mailbox by using a virtual version. My mother lives at my home.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-19
Company: Marlette Funding, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am being penalized for making additional payments on my account which were not made on the due date. Additional payments were made prior to the due date. I called and spoke with two different representatives and they stated, because my payments were not made on the due date, it is not allowing me refinance my loans, basically penalizing me. They suggest i only make payments on my due date in which I will continue to incur interest when I could be saving or avoiding extra interest. I was then hung up on because I asked them to provide me with something in writing. My loan document states that i will not be penalized for making early payments. I have never been late, all my payments have been made on time. My loan agreement was signed on XX/XX/XXXX and per my loan agreement, the first payment will be 30 calendar days after the loan has been funded. My first payment was made on XX/XX/XXXX for the payment amount of {$330.00}. Another payment of {$100.00} was made on XX/XX/XXXX and from there on my payments have been automatically taken from my account on its due date which is the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 and 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is to request the removal of the fraud alert on my personal 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-29
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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00}, XXXX XXXX XXXXXXXX Balance XXXX -, XXXX XXXX XXXX XXXX XXXX XXXX : {$100.00}, XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$690.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-15
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I cancelled 2 money orders in XX/XX/XXXX and ordered a stop on the money orders because it was lost. Western Union send me a letter in XX/XX/2019 to send {$15.00} for each money order to receive my 2 refund check money order. Then I called today XX/XX/2019, customer service and the 2 money orders have been cashed and the refund of {$15.00} for each money order customer service said it is for a copy of each money order. I never asked for a copy of the money order and I wanted only my refund. 
Western Union stole my {$30.00} that I send to receive my refund money orders!.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Product Collect
XXXX XXXX XXXX XXXX XXXX Texas XXXX

Is attempting to collect   $XXXX for XXXX XXXX XXXXs in XXXX Texas. I have informed the collection agency to stop calling me but they keep calling and harassing me.

I tried to settle this account with them over the telephone but they placed me on hold for over an hour.

Please advise 
 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: BARCLAYS BANK DELAWARE
State: AE
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
MasterCard Barclays offered me 0 % interest with no annual fee as a military member and I use their card exclusively for all my purchases, up until I received a letter dated XXXX XXXX, 2017. In this letter they stated that going forward they would no longer honor my annual fee waiver and that they would charge my account on the next month billing period. This loop hole that is being used to get out of XXXX is not very honorable. They recover funds every time I swipe my card. I understand that the card at 0 % is a great opportunity and I wish that they would not go to the extreme on service members to charge them this fee. I used this card everyday and now I face a {$990.00} charge or close the card and pay off the balance. Most members would be in a predicament under that constraint.

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 2022-12-14
Company: OLIPHANT FINANCIAL, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in reference to an alleged debt from XXXX XXXX and Oliphant Financial. 

According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered XXXX XXXX  and financially. 

Your company and its agents XXXX  me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. 

While going through my XXXX Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently XXXX XXXX XXXX XXXX XXXX I was also discriminated against and denied my right to extend credit. I have suffered XXXX  as well as financial hardship. 

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports XXXX away any alleged balance owed XXXX as per the attached invoice ; {$25000.00}. 

You shall be granted XXXX ( XXXX ) days to respond. 
Rule XXXX. Presumptions in Civil Cases Generally - explains your duty to respond. 
Rule XXXX. Need for XXXXersonal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 

Thank you for your attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: RentDebt Automated Collections, LLC
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2. The next complaint is XXXX XXXX College is reporting the same debt twice on my credit report from XXXX XXXX XXXX and Rentdebt Automated Collections. Both have the same amount owed and paid. XXXX XXXX XXXX is showing XX/XX/XXXX and Rentdebt is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX  or the collection agencies will fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Submitted supporting letter and documentation for a phone dispute, letter received on XX/XX/XXXX. XXXX closed my phone dispute after a dew days and my supporting letter with additional relevant documents was automatically disregarded, as per telephone conversation on XX/XX/XXXX. In this conversation, XXXX rep finally looked into the scanned copies of my XX/XX/XXXX documentation and hardly agreed when asked to read letter by letter the disputed item, that yes it is indeed innacurate. The response was, that still, she follows TU internal protocols and will not remove the item that is innacurate, even when I brought up the FCRA regulation on the matter. They plain upfront denied to remove a wrong item, violating the FCRA. First, they did not conduct proper investigation for the phone dispute, it run my file to their automated machine that does not comply with regulations on verifying and identifying, then matching the data, second they denied to properly and lawfully check the supporting documentation I sent in. Third, they confirmed on the phone that there is, indeed, innacuarcy between public file and my file, and denied to remove such innacuracy. All violations. Their automated electronic softwares to verify, identify, authenticate, certify, match etc., consumers ' data is not compliant.

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