BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2021, I pulled my Consumer credit file from Transunion, and immediately noticed several violations of the Fair Credit Reporting Act. I reviewed my consumer credit profile thoroughly and noticed several Unauthorized Inquiries, accounts, personal information on my report. First I like to state that I NEVER gave Transunion, permissible purposes to report anything to my consumer credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) which states a consumer reporting agency can not furnish a report without the written permission of the consumer. The Fair Credit Reporting Act as codified at 15 U.S.C.-1681, which stipulates that a consumer report shall not include specific faction information on a consumers credit record. The Fair Credit Reporting Act ( FCRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. There were no PERSONAL INTERVIEWS done with any of my neighbors or associates. The incorrect information on my credit file has damaged my reputation, caused mental anguish, including XXXX, XXXX, and lack of sleep. I can not get certain employment opportunities because of the violations throughout my credit file. I can not get approved for my home, and it's affecting my relationships with my family, friends, and associates. This company has ruined my life and I'm invoking my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XXXX XXXX XXXX  I received an alert from my credit monitoring service regarding fraudulent accounts and inquiries listed as " XXXX XXXX '', " XXXX XXXX XXXX' and " XXXX XXXX '', on my TransUnion consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint.

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: EQUIFAX, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-06-10
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited a check from XXXX XXXX XXXX XXXX to me through the Wells Fargo app on my phone. XXXX XXXX XXXX XXXX sent me a refund from my escrow account on XX/XX/2022, as I have my home mortgage through their bank. Wells Fargo put the deposit on hold and then automatically sent me e-mails saying my checking account and savings account were being closed on XX/XX/2022 due to " one or more checks deposited to or cashed against your account suspected to be counterfeit ''. 

I immediately called Wells Fargo and the first individual I spoke with said I had to fix the problem as the check was coming back suspected of being fraudulent and would help me no further. I called XXXX XXXX XXXX XXXX and they informed me there was nothing wrong on their end. I called Wells Fargo back, another 40 min wait, and got the same answers and was told I could not withdraw the money out of my account that was not under dispute, could not close my accounts and would receive a check for the funds in my account 7-10 business days after my account are closed on the XXXX of XXXX. We disputed the ridiculousness of this as I have been a member for 20 years without any issues and have the paperwork to go with this check from another Bank to show proof of it being legitimate. The Wells Fargo employee refused to help or call the other bank with me on the line and then hung up on me. 

If it was truly suspected of being counterfeit, they are required by law to investigate it and report it to law enforcement. They are doing neither. Instead, they are refusing to help their customer and are simply closing my accounts.

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 2021-08-15
Company: SYNCHRONY FINANCIAL
State: NV
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 have an XXXX MasterCard credit card issued by Synchrony Bank. Per cardmember agreements, I am supposed to receive 5 reward points per dollar spend at XXXX. However, I have not received the correct reward points since the statement closing on XX/XX/XXXX. For the statement closing on XX/XX/XXXX, I spent {$3100.00} on XXXX  and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$9900.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. Please refer to details in the 3 monthly statements attached. Also, in each statement, under the " reward information '', it also clearly states the following : " you will earn 5X points on your XXXX purchases for the rest of the year. '' Synchrony Bank informed me that the reason is that purchases with details XXXXXXXX XXXX XXXX are not considered XXXX spend. However, ever since my credit card account was opened in XXXX, all purchases with details XXXX XXXX XXXX were considered XXXX spend and earning 5x points. Apparently, based on Synchrony Bank 's response, Synchrony Bank has only recently changed their rewards policy for the statement periods I stated in the complaint. Since Synchrony Bank has never informed cardmembers of such change in reward policy, Synchrony Bank should not use it as a reason to not award 5X points. Those purchases should still be entitled to 5X points.

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 2019-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Previous complaint ( Case # XXXX ) remains unresolved but closed without allowing us to rebuttal. 

Re : Missing {$1500.00} Credit Payment ( 3 Attachments ). 

Obviously, Citi Card still did NOT do their investigation again! I have made it clear on multiple occasions that there were FOUR {$1500.00} payments made to Citi Card as reflected on my bank statements, but, only THREE were credited to my Citi Card. This is because the Conditional Credit of {$1500.00} issued on XXXX was reversed. 
How many times do I have to tell them FOUR {$1500.00} payments to my Citi card do not equal three {$1500.00} credits??? Citi Card did not do any work except focusing on one date which is XX/XX/XXXX, but the MISSING CREDIT is the XX/XX/XXXX payment of {$1500.00}, it was deducted from my wifes XXXX bank account ( ending in XXXX ), the bank statement is attached, I even marked a Question Mark? next to that payment made on XX/XX/2019, please actually read what we wrote this time, please! Unacceptable response from Citi Card!!! We are tired of spending hours and hours on each phone call with Citi Card to only have to start all over explaining as nobody investigated the file ; last time we sent them a 5-page Fax, but no one read them. We really need to be compensated for the extensive hours on this case. And today, I have called the Executive Response Unit of Citi Card at least three times after seeing the response letter, but no answer, no returned calls. 
I am attaching a detailed documentation again in a more simple form hoping someone smart enough to understand. We spent 5 hours alone on this updated detailed sheet ( please see attachment " Citi Card Payments Checklist XXXX '' ). After this, it's lawsuit 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 2019-11-21
Company: EQUIFAX, 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 information incorrect

Complaint:
I would like have my XXXX XXXX XXXX account updated the amount should XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In written reply from Midland Credit Management were documents from both XXXX XXXX and XXXX. In XXXX document that claimed they couldn't verify the Police Report number given to me by XXXX XXXX Police Officer that came directly to my apartment door when he gave me the Report number. XXXX stated prior to CFPB complaint they had no prior response from me. Submitted with this complaint are copies of emails from XXXX verifying they received contact for me about the fact I didn't get my order. I still don't have it, nor have I requested a replacement. I had also submitted a complaint in 2020 to Antitrust Dept. of Justice XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bread XXXX XXXX, aka Comenity Bank refused to open a XXXX of XXXX for me. They refuse at all levels to provide a reason for denying my account request. I have wasted XXXX hours calling and messaging everyone from my Senator, The FDIC, the Office of the Comptroller of the Currency and I have been stonewalled or gaslighted at every turn. 
I wanted to open a CD for {$25000.00} and was told by a contractor for Bread XXXX  they they refuse to honor my request and every person in the company refuses to tell me why I am denied my right to banking services they provide and they are regulated by the FDIC who told me that they have no jurisdiction to provide any help to consumers in these matters. 
I contacted Bread XXXX on XX/XX/2022 in response to an advertisement for a high rate CD. They gave me a hard time so I called Comenity Bank who I have had a credit card acccount with for more than 10 years. They blew me off and rfused to help find out why I would be rejected so I contacted all Federal agencies involved in bank supervision. They gave me the eternal runaround and cut off my calls and closed my complaints arbitrarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus have not notified me of their method of validation. I tried calling the company but I cant get a resolution. I have sent letters to the credit bureaus trying to dispute this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but I cant get this issue off my credit report and I havent been provided with the method of verification. Please delete this from my report because the account can not be validated.

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 2022-11-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$34000.00}

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 2023-02-18
Company: Innovate Managed Holdings, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive tried reaching out by phone and no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or around XX/XX/XXXX, I filled out an online application for a XXXX  credit card offered through Barclays. After a full month I did not have any reply, so I again filled out an online application. I then received a letter saying they needed copies of my Driver 's License, Social Security Card, and utility bill with my name on it. On XX/XX/XXXX I sent photocopies of my DL and SS card, and an original utility bill to : Card Services XXXX XXXX XXXX XXXX, DE XXXX I then received a letter from Barclays saying my application was declined for " Too many recent applications. '' I waited another two months, applied again online, and again received a request for the same documents. On XX/XX/XXXX, I resent new photocopies and a utility bill to the same address above. I then again received a letter saying my application was declined for " Too many recent applications. '' In my previous complaint, it appears Barclays responded they did not receive the documents. Barclays has yet to even pull my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/XXXX and XX/XX/XXXX someone applied for credit cards under my name with Bank of America. Bank of America was notified in both cases that i did not apply for any credit card with them. 
on XX/XX/XXXX and XX/XX/XXXX someone applied for credit cards using my name with XXXX XXXX Bank. XXXX XXXX was notified that i did not apply for any credit cards with them. 
I called the credit report agencies and placed both a hold and fraud alert on my credit reports.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely 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 explanation
Consumer complaint received 2023-03-27
Company: NAVY FEDERAL CREDIT UNION
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 did not give access to my credit to XXXX, XXXX, And XXXX and they have access my credit without my permission they have also given away freely reports of my credit. if not corrected | will have to seek restitution Under 1681n. Civil liability for willful noncompliance ( a ) In general Any person who wilful fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 





Account number XXXX Account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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 noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation