BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My identity was stolen, and someone opened up fraudulent 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 non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 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
Consumer complaint received 2023-12-30
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dear Consumer Finanical Protection Bureau, I am writing to express my deep concern and frustration regarding the discriminatory treatment I have experienced with Citibank. I believe that my account has been unjustly blocked on multiple occasions due to the use of a different phone number to contact your bank. This has resulted in severe inconvenience and financial distress for me. 

I first encountered this issue when I called Citibank using a different phone number. The initial representative I spoke to was not only unhelpful but also rude, and shockingly, they proceeded to block my account. Subsequently, I found myself unable to make purchases, withdraw money, or access essential features of my account. This situation has not only impeded my ability to manage my finances effectively but has also left me unable to meet my daily monetary needs and pay bills promptly. 

Throughout this ordeal, I have diligently cooperated with your customer service representatives and even learned that my phone calls were being monitored by Citibank 's quality control. Despite my inquiries, I have received no satisfactory explanation for the repeated blocking of my account. As a valued customer, I am entitled to transparency and information about the actions taken against my account. 

I am deeply concerned that these incidents may be rooted in discrimination, as I am an XXXX XXXX  customer who has been unjustly targeted. It is distressing to believe that such discriminatory practices are being exercised against me, preventing me from accessing and utilizing my own funds. 

I strongly urge Citibank to investigate this matter thoroughly and provide me with a detailed explanation for the account blocks. If these actions are confirmed to be discriminatory, I request an immediate resolution to rectify this situation and prevent any further discrimination against me as a customer. 

Failing a satisfactory resolution, I feel compelled to explore legal avenues to address this matter. Discrimination is not only morally reprehensible but also illegal, and I believe it is essential to hold institutions accountable for such actions. The repeated blocking of my account has placed an undue burden on my ability to access and utilize my own funds, leading to financial losses and significant inconvenience. 

In light of the circumstances, I am left with no choice but to initiate legal proceedings if a satisfactory resolution is not reached promptly. This potential lawsuit is intended to recover any financial losses incurred due to the account blocks imposed by Citibank due to threatening my account and blocking by discrimination. This has happened mutitple times.

I appreciate your prompt attention to this matter and expect a timely response. 

Sincerely, 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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-30
Company: Receivable Collection Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Receivable Collection Services , LLC ( RCS ) on XX/XX/XXXX around XXXX XXXX. to obtain a copy of the latest communication that was sent to me. The latest communication* was misplaced by a family member. I requested that a copy of the communication be sent to my email and also via regular mail. The customer service representative ( csr ) stated she would send the communication. Note : To date I have not received a copy. During the conversation with the csr, she stated that RCS received an email with a lot of questions from another person ( see attached email ) and that RSC did not respond because the email was not from me. I explained that my email was not working and I sent the email using someone elses email. The csr responded that RCS could not respond to the email because RCS did not know if the email was from me.

If there was any question regarding who the email was from, RCS could have responded to the email and stated they needed proof of my identity or they could have sent me a letter requesting verification. The email ( dated XXXX  ) contained questions that I need answers to so that I can be fully informed of the validity of the debt. 
* I believe the latest communication was sent in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a complaint last XX/XX/2022 to remove : ( ), which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4000.00}

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 non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses , without lawful authority, a means of identification of another person.

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 2023-12-06
Company: EQUIFAX, INC.
State: OH
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:
My second time having to dispute this account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 ( a ) ( 2 ) ( i ), 15 US Code 1666 b ( a ), 15 US Code 1681 e ( b ), The credit bureau are breaking the law and violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NY
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchant 's Credit Association XXXX I owe medical debt from XXXX XXXX. I had made a payment and was paying it off. I did not receive follow up bills/reminders in mail and Covid had happened which sent us all reeling. 
I had checked my credit report as it had gone down and I was surprised. I did then get a bill in the mail. I tried to pay online and by phone MULTIPLE times but it kept saying my packet number was wrong. Also, the collector did start calling me and we missed one another every time. I had left on the recording the issues with my packet # and not being able to pay through the portal and to please leave me the info on VM if I can't answer. He did not. 
I just spoke with a supervisor ( who was rude ) and was on hold to speak with a higher staff member when I was discounted. The supervisor told me that XXXX XXXX bills can not be paid by phone or web portal. THAT IS NOT LISTED ANYWHERE on the bill nor had been stated AT ANY TIME. 
I have been working on my credit for years and this XXXX $ bill just brought it down significantly when I HAVE BEEN TRYING TO PAY. 
Now, I just spent 20 min on the phone with them trying to get to the bottom of why I couldn't pay by phone nor web and was disconnected. I just left yet another message for the person ( maybe the 10x I've called ). 
I WANT TO PAY THIS BILL. THis should not be reflected on my credit score as payment has not been accessible. The collector who I was speaking to when he asked his supervisor to come speak with me, he sid, " I have a consumer who's hot right now. '' Can you help me? 
* A note that mail in our area has been stolen this past year especially with the homeless situation and Covid. Many issues of theft and burglary. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Prior to opening an American Express account, I was informed as the spouse of an active-duty military member ( my husband has been active reserve XXXX XXXX for over 13 years ), we would be eligible to have the MLA ( Military Lending Act ) added to both of our accounts. We do NOT qualify for SCRA, as the account with AMEX would be opened after the beginning service date. We DO qualify for the MLA, however. 

I have been fighting with American Express since my account opening to have the MLA added to my account. Every time, they take my information and then a few weeks later I get a letter stating we are not eligible. I have uploaded my husband 's military documents multiple times, copies of our marriage certificate proving I am his spouse, and letters explaining to AMEX what we are and are not eligible for. Despite this, I have now been denied XXXX  times. Each time, the rep tells me they will " fix '' the issue and take all of the same information. They refuse to give me to a supervisor or have someone correct the information immediately. I am at a loss as to what to do. We are indeed eligible for this, and they have applied it to my husband 's account, but refuse to do so on mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The inaccuracies for XXXX : XXXX is missing the closed date, XXXX is missing the closed date and the remain on the record until date is listed XXXX/XXXX. Transunion on the record date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX list 's paid as agreed and closed date XX/XX/XXXX. XXXX does not have a closed date and does not say paid as agreed, but only paid and closed. Transunion 's closed date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX has no closed date, date updated or remain on the record info. XXXX has no date closed, the update date XX/XX/XXXX and the on the record until date is XX/XX/XXXX. Transunion date closed is XX/XX/XXXX and on the record until date is 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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have sent multiple letters asking for validation and the method of how they validated the fraudulent and questionable item on my credit report and have not received back anything in over 45 days for the account that is clearly inaccurate and fraudulent. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

The account in question and its account numbers : XXXX XXXX acct XXXX XXXXXXXX In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, 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 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
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied online to 'pre-qualify ' for an auto loan with Capital One to refinance my XXXX auto loan on XX/XX/2021. The amount I entered online was the amount needed to payoff my current loan - {$26000.00}. The Capital One website then showed me several offers - but it showed only the monthly payment, the interest rate ( all 3.33 % ), the loan term, and the amounts I would save compared to my current loan. I tried to look for more details but no more were provided. It then invited me to apply for the a loan offer by selecting one and clicking submit. The interest rates were all the same, so I submitted an application for the 48 month term loan. 

Unbeknownst to me, I had applied for a higher amount than I intended - {$28000.00}. This only became clear to me when at the final step of the application process, when I was reviewing the documents. Capital One was charging a financing fee of {$1800.00} and a lender titling fee of {$15.00}. At no point in the application process was it clear that Capital One had changed my 'pre-qualification ' application to borrow an additional {$1800.00} in order to pay their fees. Capital One 's website showed only the things I mentioned above, and was made such that I could only click on an offer and submit an application - I never put in the amount I wanted to borrow. 

The final stage where you accept the offer has check boxes asking you to verify that you have reviewed the documents and accept their terms. You have to download the documents in order to view them properly, and there is no attempt to verify this is done by the web application. You can check the box without even scrolling through the documents. That is the only place where the amount you would be borrowing is shown. 

This was a misrepresentation and inadequate disclosure on the part of Capital One. I did not intend to borrow more than {$26000.00}. I would not have applied for their loan product had I known that a {$1800.00} financing charge would be imposed. Capital One did not adequately disclose that these fees were in terms of the loan application, and in fact took many steps to obscure their hidden fees by displaying only interest rates and monthly payments in their website. I did not sign the documents.

Company response to consumer: Closed with explanation