BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX AUTO ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$170.00} COLLECTION ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$160.00} COLLECTION ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$530.00} COLLECTION ). XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) .Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On the morning of XX/XX/2022 my wife checked out account and found that a tellers check in the amount of {$2600.00} had been processed from our account along with an {$8.00} expediting fee. After filing the dispute with USAA, we found that there was a new document in our USAA app inbox that was a transcript of the call made to USAA authorizing this check. The pay to name was someone neither of us now, the address is for someone we do not know. I was unaware that usaa had an automated teller check line. After waiting 3 business days, nothing had been done to our case, after 5 days, still no update. I called again today on XX/XX/XXXX to find out the status, only to find that they found NO FRAUD, and they were unable to leave a voicemail advising us of this finding. We disputed the findings and currently waiting to hear back from them. XX/XX/XXXX will be business day 10. We have banked with USAA for 15 years and for them to literally give our money away and claim that it was our doing is disgusting and disrespectful. This has put us in a bit of a financial hardship and would like for them to right this wrong. The lack of communication on their part leads me to believe they truly do not care, or its an internal issue that they need to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm here to complain Citibank that 1 Citibank made the promised sign-on bonus illegible by closing my checking 's account without notification. 

2 Citibank made misleading advertisement on their sign-on bonus offer. 

I signed up for Citibank 's sign-on bonus offer in XX/XX/XXXX per their ad online. I can't find the version but the current version can still be seen at where the only difference I can see is the updated date : XXXX XXXX   XXXX? XXXX & XXXX On that page it states 4 requirments : " Heres How it Works : Open a new eligible checking and savings account in the Citibank Account Package between XX/XX/XXXX XX/XX/XXXX . 
Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. 
Get {$400.00} deposited to your account! '' I funded {$15000.00} to the saving 's account and kept the fund there for over 60 days which is due on XX/XX/XXXX. I called in and talked to a Citibank 's financial adviser and was confirmed that I'm qualified for the offer. But I received an email from Citibank on XX/XX/XXXX to inform me that I " have not fulfilled the Offer 's required activities '', and the reason is that my checking 's account is closed by Citibank per their policy of " XXXX  balance for over 90 days '' but without my permission and without any warning/alert/Notification. 

Therefore, this " non-XXXX balance in checking 's account '' should be the fifth requirement on top of those four mentioned in their advertisement, but Citibank failed to stated it clearly along with the current 4 requirements in their advertisement. Instead, it's only in the fine printing, which is very misleading. 

I called Citibank multiple times and talked with 2 supervisors, they wont make it right but only agreed to submit a dispute for me.

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 2021-06-07
Company: Porania, LLC
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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: WA
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:
This is the second complaint I have filed against XXXX XXXX XXXX since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to Experian!!!! They are reporting my loan under XXXX XXXX XXXX with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXXXX/XX/XXXX on the report ) with an outstanding principal balance of $ XXXXThis makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with XXXX XXXX XXXX XXXX an outstanding principal balance of {$130000.00}. It took me several weeks of calling XXXX XXXX XXXX and filing a complaint with Experian and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.

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 2023-08-01
Company: Experian Information Solutions 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:
I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account.

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 2023-08-06
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I have a balance transfer 0 % interest expiring XX/XX/XXXX and in XXXX i took another one that is due XX/XX/XXXX at 1.9 % interest ( so i have XXXX  months ) in XX/XX/XXXX i sent XXXX in payments that was suppose to go towards my XXXX promotion but the bank said there system poilcy sends it to the 1.9 % interest XXXX even though i have XXXX  months to pay it off and the XXXX promotion i still have to pay XXXX this month or else its 29 % interest which is crazy the money should have been applied to my XX/XX/XXXX promotion.

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 2023-08-01
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I first had the issue with Arvest bank releasing my funds to me that I deposited. Because of how they had instructed my mom and I to sign the back of a check. Then they released funds and did not tell me procedure about how much I could use. So then a day later they take the funds back and close out my account. Staying at first the check was bad check. Which in fact it was not normal was it ever. Then they switched there story 7 times before finally just staying I can't get my funds released until the end of the month. I'm XXXX with XXXX due in XXXX and have XXXX kids. We are now out a home another month homeless and I have been to hospital XXXX due to XXXX XXXX and just can't believe this is happening. I did nothing wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In accordance with the Fair Credit Reporting Act these accounts listed below, has violated my rights.

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 a account without my written instructions I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX Amount : {$2500.00} ; Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, 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 2022-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed a complaint against XXXX XXXX via the CFPB about them threatening and taking negative action on my credit report. I have disputed the result that were provided to you by XXXX XXXX with Experian. Experian has failed to update my credit report and is still reporting monthly status of Charged OFF on the closed account of XXXXXXXX XXXX. This action has caused negative result significantly on my credit report. On my credit Experian credit report XXXX XXXX has reported a Repossession of the vehicle on XX/XX/XXXX and since XX/XX/XXXX up until this year XX/XX/XXXX Experian and XXXX XXXX has reported a Charge off status every month for 5 years. This is reporting has hurt my credit score and caused me financial ruin.

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 2019-02-12
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:
On or around XX/XX/2019 I sent a certified, return receipt letter to Equifax requesting method of verification of a medical collection showing up on my credit report with them. I received my return receipt acceptance dated XX/XX/2019. As of today XX/XX/XXXX, I have still heard no word from them. I was asking for a very simple request and because they refuse to cooperate or respond, they are in violation and abusing the system just because they think they can. 

FCRA 611 ( a ) ( 7 ) provides : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: TN
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:
I attempted to apply for the Wells Fargo XXXX XXXX XXXX XXXX card on XX/XX/XXXX over the phone with a Wells Fargo employee. I was subsequently denied this card owing to various standard credit issues. 

On XX/XX/XXXX, I again attempted to apply for the same card over the phone with a Wells Fargo agent. The application was submitted and I was subsequently asked to provide a copy of my social security number to Wells Fargo. The letter I received from Wells Fargo stated, " In order to approve your application '' a copy of my social would need to be provided. I then proceeded to comply with this request.

On XX/XX/XXXX, I learned that Wells Fargo had denied my application because I was not a US permanent resident. When I asked the Reconsideration Line agent if any thing could be done to progress the application, I was told it was Wells Fargo policy to not approve unsecured loan applications from non US permanent residents. 

At no time did Wells Fargo make me aware of this restriction prior to either of my applications. After the first application was rejected, I took the steps to improve my credit position as suggested by Wells Fargo, and in good faith, applied to the bank again. 

In my opinion, I should never have been allowed to submit either application as I was ineligible for the product based on the information subsequently provided to me by the Wells Fargo agent. I have been an checking account holder with Wells Fargo for over four years now while I complete my XXXX on XXXX XXXX XXXX status. During that time, I have received unsolicited invitations to apply for Wells Fargo unsecured loan products, including credit cards, and I have had Wells Fargo credit cards advertised to me directly in the online banking interface. I took these as a good faith signal that I could apply to Wells Fargo for credit card products. 

Now, I'm left with two Hard Inquiries on my credit report, resulting in an unfair deterioration of my credit score, for a product that I had no chance of being approved for and that I would have not pursued had I have known at the time of applying that I was not eligible for the product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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