BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Saturday, XX/XX/XXXX, I attempted to make an online purchase. Citi card arbitrarily declined the purchase. They notified me via test message at XXXX Saturday, asking if I made the purchase with a request for a response back in the text. I responded that I did indeed make the purchase and was notified that the card was cleared to make the purchase again. I did so later that night and again the purchase was decline. I called citi card 's XXXX number and spoke to XXXX who was unable or unwilling to assist me and refused to connect me to a supervisor, but instead put me XXXX in the fraud dept. XXXX, also unable to assist did agree to put me through to her supervisor, however this is doubtful as the person I was connected with did not clearly give me her name, and as an apparent retaliatory power move, put me on a 22 min hold of silence, never returning, until she finally pressed a series of approx 5-6 numbers and ended the call. I then connected to Citi online and reached XXXX through the messenger. I explained to XXXX my issue with being unable to make this purchase several times and now having to wait additional days for my much needed purchase to be delivered due to Citi continuing to decline this purchase that I have repeatedly told Citi representatives that I DID make. XXXX assured me that " everything was good '' on Citi 's side " rest assured ''. So today I once again attempted the purchase and once again DECLINED!!!. I called the XXXX number again tonight, twice, and was disconnected because I could not understand the representative 's broken English. I have been an excellent customer since XXXX, always paying my card off and never delinquent. I need assistance in getting this rectified immediately. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
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: Account information incorrect

Complaint:
XXXX, Equifax and XXXX will not allow me to dispute this item that is now " Paid '' due to constant issues with them deleting the account history status that is recorded monthly since opening account of which caused a 'LOWER '' scoring model to be used on my credit report. It is showing " Missing Status History '' Currently but has been " Paid '' on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life.

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 2021-03-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a Credit card from XXXX XXXX on my Credit File that I did not apply for, approve, nor did I authorize this card to be applied for in my name. Please delete this card off of my Credit File. I have two police reports filed and sent to each Credit Bureau showing my Identity theft.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$650.00}.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts 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 ( 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-02
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$920.00}

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 2023-11-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
NATIONAL CREDIT SYSTEM XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: SYNCHRONY FINANCIAL
State: FL
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:
To whom it may concern, I always pay every credit card I have in full every month. The card at issue is my Sam 's Club credit card through Synchrony Bank. On XX/XX/2022 I paid my balance of {$4000.00} in full for the prior month. The payment was accepted. Three months later the balance of {$4000.00} appeared back on my statement. I disputed this and was told that " on XX/XX/2022 the payment was returned unpaid by your bank ; therefore, the payment was reversed. '' I provided Synchrony bank with a copy of the front and back of the check with Synchrony 's stamp on it showing that it was received and cashed. I also provided copies of my bank statements showing the payment leaving my account and never returning. I asked Synchrony bank on multiple occasions to provide me with some kind of written evidence proving that the payment was returned by my bank. I have formally requested proof four times in writing and at least a dozen times over the phone. I am never given anything. Some of Synchrony bank 's responses simply say they can't locate any payments and other letters say that they found the payment but then it was reversed. They're not even consistent with the response they are giving me. At this point I have provided proof that the payment was made, that Synchrony Bank received the payment, that Synchrony Bank cashed the check, that the money left my account, and that the money never returned. Synchrony Bank has provided me with nothing. On a side note, in the middle of all of this I contacted my bank, XXXX XXXX and opened up a claim for them to investigate and they also confirmed that Synchrony Bank was paid and the money was never returned. I don't know what else to do at this point.

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 2018-03-07
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Greetings, I've spoken to numerous representatives and supervisors at Loan Depot about 2 short mortgage payments which they informed me could not be processed and would send the payments back to me in a form of a check. We have been dealing with this issue since XX/XX/XXXX. I received check # ( XXXX ) in the amount of {$1800.00} recently on XX/XX/XXXX and the other check ( XXXX ) which was issued on XX/XX/XXXX was supposed to be stopped & reissued I was told by a rep ( XXXX ) I  would receive my check by XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX who informed us that my check was still in a suspension account. At that point I asked if I could just make a payment for the difference so that they could process the payment in full. I was told they would be able to accommodate my request. We made a payment over the phone in the amount of {$95.00} to ensure the full loan amount of {$1900.00} would be applied to my XX/XX/XXXX mortgage payment. They assured me they would wave all late charges. The situation was still not resolved I called again and spoke with a Rep name XXXX ( sorry for the spelling error ) he informed me that the misapplied funds were not put into their system correctly to fix the issue. He then assured me that he could fix the problem because it was just a clerical error. He stated it was a matter of putting in the correct code. I asked to speak to a Supervisor he told me XXXX XXXX was going into a meeting and not avail but they would fix the issue. On XX/XX/XXXX I spoke with XXXX XXXX who stated he was a supervisor he acknowledged he understood the situation asked us to give him the opportunity to correct the issue before we went ahead and pursed legal matters. He stated he would make sure the misapplied payment would be applied to my XX/XX/XXXX mortgage payment. All late fees that were assessed would be reversed any negative reporting to my credit would be reversed. I asked for all of this in written which he said could not be given. I asked for an email address he said he would give me that either. I've called to ask for a corporate number which they say they don't have. I've been transferred and hung up on numerous times. XXXX has not called me to make sure this situation gets resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04
Company: TD BANK US HOLDING COMPANY
State: PA
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:
On XX/XX/XXXX, TD Bank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2019-06-16
Company: Merchants' Credit Guide Company
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchants Credit guide co claims I owe {$1300.00} I paid {$1300.00} to XXXX XXXX ( actual original amount owed ) on XX/XX/2019. Collection agency still claims I owe a balance as of XX/XX/2019. I confirmed with a phone call to XXXX XXXX and they confirm its paid to XXXX balance. Merchants credit guide co is still trying to collect on this account.

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 non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-01-08
Company: Retail Merchants Associates
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I visited XXXX XXXX  ( XXXX XXXX XXXX XXXX # XXXX, XXXX, Florida / Phone : XXXX ) where I received services and paid the amount of {$58.00} ( see attached receipt ). On XX/XX/XXXX the mentioned merchant charges XXXX without my consent and authorization, I called them and they said they " realized '' they forgot to charge the correct price at the moment. This is a total fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have 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 have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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