BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When my concerns about my Costco Citicard credit card initially arose a couple of weeks ' ago, I decided to allow a little time for all posted/pending transactions to register in my Costco Citibank credit card account. 
Unfortunately, the perplexing situation, whereby erroneous account balance as well as available credit balance information continues to be a problem today, Monday, XX/XX/2019. Citibank continues to provide inaccurate actual balance and available credit information, continually abusing me, for instance, while at the same time actively involved in unfair and/or unjust practices, banking practices, for example. After my last Costco Citibank credit card payment at an Citibank ATM kiosk, my balance was incorrect ( I, too, realized that perhaps there was a chance that some previous credit transactions had not registered into my Costco Citibank credit card account yet or at least had not registered in a timely manner ). This has been an ongoing problem with Citibank, as often times, Citibank 's automated system/ATM kiosk does not provide up-to-date and/or accurate information. The automated telephone system recently stated that my available credit was approximately {$400.00} an approximate amount less than the actually available credit amount. The deduction of approximately {$400.00} is not shown as a transaction either, making this crime difficult bto track, for example. Essentially, this is someone attempting to steal, a possible scam, a situation that disallows me from accessing all those funds available to me? This scenario is dirty, and again, particularly due to the fact that one ( 1 )  transaction for approximately {$400.00} is not apparent.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-06-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Each inquire who provided a phone number I called and ask for reasoning and the all came to the same conclusion to see if I qualified for a product with them, I never gave permission to theses inquires to pull my credit I believe my account is a victim of fraud and its been going on for a while now. They all told me it was nothing that they could do to help i should contact the credit bureaus and the bureaus directed me to you guys. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2019-11-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2019, I walked inside the JP Morgan Chase Bank Branch at XXXX XXXX XXXX, XXXX, TX XXXX ; within 10 minutes prior to closing. I kindly asked for a notary, which they have previously notarized documents for me a couple of times this year. However, XXXX was reluctant to notarize a document for me. Therefore, he asked the Assistant Branch Manager XXXX, to get validation from him to deny service. Consequently, XXXX then told me that he is not comfortable notarizing my documents. 

As a consumer, I have established a banking relationship with Chase via personal and business-related. In addition, I recently decided to share my business with chase by opening up a business account. Because of your staff 's unethical behavior, this does not satisfy my trust with Chase. Their actions were biased. I am a customer, and as a customer, the bankers are required to service the consumer 's needs without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX XXXX, I made a deposit of {$15.00} at the drive-thru ATM of the Wells Fargo branch on XXXX XXXX XXXX in XXXX, GA, using the tap method. On Monday, XX/XX/XXXX, I checked my online transactions. Along with the ATM deposit that I made there was an ATM withdrawal for {$1000.00} made right after the deposit. I did not make the {$1000.00} withdrawal. I contacted Wells Fargo Corporate to file a claim. The claim number is XXXX. At that time, I also had them suspend my debit card and mail me a new one. Thursday, XX/XX/XXXX, I called to get a status on my claim. I was told that the claim was denied. I was not told why, but it was suggested that I file a police report. I filed the police report that day. I was also notified by mail a couple of weeks later that Wells Fargo denied the claim. I made contact via phone with Wells Fargo two additional times, to get an explanation and to urge them to look at the ATM video footage. The letters from Wells Fargo state that my claim was denied because the chip in my card was used for the withdrawal in question. My contention is that I neither requested a withdrawal of {$1000.00} nor did I receive {$1000.00}. I feel that the footage will show that I was not the person that made the withdrawal. Both times they denied the claim ( without viewing the footage ). I was notified by letter of the denial. The letter stated that they would only release surveillance records if there was a subpoena or court order. I provided the police with the necessary information to secure the subpoena on XX/XX/XXXX. On XX/XX/XXXX, I was told by the detective that he still had not received the surveillance footage from Wells Fargo.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 2023-05-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in XXXX. Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. I am asking to delete derogatory information from all Credit reports ASAP. Thank you for understanding and consideration of the seriousness of the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
YOU HAVE VIOLATED FCRA 15 U.S. CODE 1681S2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE & ( FDCPA 15 U.S. CODE? 1692E.FALSE OR MISLEADING REPRESENTATIONS ) YOU ALLOWED THIS DEBT COLLECTOR TO VIOLATE MY RIGHT. I ALREADY DISPUTED THESE INACCURATE ITEMS OVER 35 DAYS AGO AND YOU HAVENT NOTATED IT AS DISPUTED!!.

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 2021-12-30
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: Was not notified of investigation status or results

Complaint:
Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.

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 2020-06-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My parents passed away in XXXX and XXXX respectively and my sister and I worked with the original mortgage company to do a modification. This was in effect with no issues until the loan was sold to SPS ... Select Portfolio Servicing. 

Then mysteriously in XXXX XXXX XXXX  the company started calling stating that the account was behind but could not talk to me. I had advised I had been sending payments and they said they could not speak with me only my sister. Basically they lost all our documents that showed I had any interest in the propriety and required us to re-supply them however they had documentation they could speak with my sister. 

I followed the instructions they stated by sending to a special address and with the bill and account number on a check, something I hadn't done in 6 years, but then received two payments returned. 

Then mysteriously in XXXX they were no longer able to speak with my sister. My sister finally found all the documents as I had no longer held them, and got them to the company in mid XXXX. We then get a notification that we are being sent to foreclosure but they can now speak to me. all they gave me in mid XXXX was a reinstatement quote but said they would help. 

I called today XX/XX/XXXX one last time and now they say they can't read any of the documents therefore are able to talk to us but not help us. 

I feel this company selected our parent home as an easy target and through their archaic processes believe they will be able to make over {$100000.00} on the home taking this from me and my sister.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2022-06-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 602a : States that I have the right to privacy.

15 U.S.C. 1681 604a Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX is showing on Supplemental Public Records & Residential Information is showing I did not apply or sign any documents applying for credit in any way as showing on my credit  File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXX on promotional and information.

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 2023-06-15
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2023-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
this complaint is an addition to a complaint that i already i filed against credit acceptance. i want to file a criminal complaint and and get recourse in this matter. this company repossessed my car illegally and im dissatisfied with the outcome of the previous complaint. You didnt address the violation of 15 usc 1692f unfair practices. Im extremely frustrated with the lack of investigation in this matter.Please look into this matter again

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 2023-03-24
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I'm issuing a complaint against NetCredit Loans. NetCredit has placed an account in collections since XXXX, which opened due to fraud. I have sent NetCredit a copy of my police report and closed bank statement XX/XX/XXXX, indicating I was a victim of fraud. I've worked with NetCredit and XXXX numerous times to remove the account, and the company has refused to remove the negative mark and account from my credit report. I've been turned down for a loan due to the negative reporting and denied refinancing my student loans. The two companies are now violating the Fair Credit Reporting Act and performing defamation of character. A representative advised several months ago, NetCredit received my paperwork to work on the fraud activity, and I still have no results. On XX/XX/XXXX, a representative stated the fraud department closed my case without contacting me or removing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted about a loans for {$5400.00} that Check n Go disbursed in XXXX in my name. I did not apply for any funds from check n go. I explained that to them and asked for paperwork, signatures, account information that the funds were deposited into as well as a copy of the identification used to get these funds. They have never sent any of the documentation that I requested. There has to be concrete proof of this transaction somewhere.signatures, for matching purposes, an account that these funds were deposited into as well as a copy of the identification that was used to complete this transaction. This was fraud/identity theft. I have been advised to file a police report but I do not have any documentation to support my filing. I called the debt collector ( XXXX ) request information and was told that I would emailed information that they had on the account. I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my second request to update my personal information on my credit reports. There is inaccurate information on my credit reports. 

This is a violation of 15 USC 1681 ( a ) ( 4 ) Congressional Findings and Statement of Purpose " There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for theconsumers right to privacy. ''

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have two collection accounts that do not belong to me reporting on my credit please have removed

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 2022-06-14
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:
In accordance with the Fair Credit reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation