BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: CA
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:
Closure of account without prior notice On or about, two weeks ago, XXXX XXXX XXXX [ XXXX, herein ], president, suspended the checking account of Mr. XXXX [ cust, herein ]. Cust suffered some expenses due to the evil-closure of the account. XXXX gave the reason of : failure to provide the residence address ... Cust called to let XXXX know the cust had provided the residence address to XXXX, female rep, on or about : XX/XX/XXXX19. Cust gave the mailing address to use for mailing and the physical address more than three times. The reps do not care to insert the information. Cust told XXXX not to mail general mail to the residence [ physical address ] due to lack of adequate security for the onsite mail boxes which it is no surprise of how burglaries of mail boxes happens these days. 

Cust had gone into the bank and told the reps the residence address too. XXXX should be required to communicate with cust first before suspending the account. XXXX does not care how he treats an XXXX man. Discrimination was utilized in the fact the treatment for none-XXXX is different and the accounts would have not been suspended. 
... ... .. 

On or about : XX/XX/XXXX 19, Citibank denied my loan application without stating a reason why. My FICA score was about 701 and now it is XXXX. XXXX XXXX, executive response unit, said it may not be the fica. she said it may be other things. There is only one item which reports an erroneous debt which is already been challenged. Despite the item,, there were other financial institutions who opened credit cards which proves the one item was not a major factor. Especially when is common to see medical bills erroneously reported. Some financial institutions : XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; and the fact Citibank has a Debit Card. 

It is believed the reason why XXXX denied the credit card was due to XXXX and the fact a letter was written to XXXX to reduce his salary and the other 15 executives who gets paid more than $ XXXX or $ XXXX yearly. As a stockholder, it is a major concern of not being ripped off by top executives. Therefore the denial was 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

US DEPT ED XXXX  Balance Owed : {$7900.00}.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For whatever reason my scores are so much lower with Transunion than the other two reporting agencies. They have me at XXXX whereas Im at XXXX on XXXX and in the high XXXX with XXXX. I dont get it. It doesnt seem to move. I had asked them last year about my score. They said a previous mortgage company gave me a bad score. I got rid of them for harassing me via XXXX deliveries almost daily to refinance my home through them. And my bank sent a double mortgage payment in error and they would not send it back electronically. They made me wait for weeks to get it back. I informed them at that time I would refinance with someone else if they held back with my money. Ive never heard of this company until they started soliciting for my mortgage via mail at first. And some how they were able to take over my mortgage. If I knew about CFPB I would have filed a complaint against them. At this time I received a letter from them a week and a half ago saying their data was breached and my personal information was compromised. XXXX XXXX XXXX  XXXX is there a way to have my personal removed from companies I no longer use? Cause at this point Ive been advised my ssn is on the dark web. I have security freezes and other security measures on my credit through the credit bureaus.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-12-27
Company: EQUIFAX, INC.
State: TX
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 my credit report XXXX XXXX XXXX is reporting a CHARGE OFF. My car was totaled and insurance sent XXXX a full payment. I also had XXXX XXXX which sent a payment to XXXX as well. XXXX sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to XXXX ( the balance owed from gap and insurance ) and the account was closed successfully. I reached out to XXXX and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to equifax, XXXX, and XXXX  and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
When I was married, I filed bankruptcy in XX/XX/XXXX It was a 5 year bankruptcy filed & during that time the Student Loan ( I took out at the time for my XXXX college student kids ) was put into forbearance. The bankruptcy was discharged in XX/XX/XXXX. During this time of forbearance the original loan of approximately $ XXXX had now been gathering interest so the total after the bankruptcy was now approximately {$18000.00}. Which was described in a letter to me from Navient. I did n't know who they were & why they had taken over the loan. I called them on the phone & I told them I wanted to refinance or do something to help me pay it as now I was divorced & could n't afford the payment of over $ XXXX a month I suddenly received XXXX weeks before it was due. They told me they do n't refinance federal loans & I had to pay the new amount now that my bankruptcy was discharged. I got divorced in XX/XX/XXXX I 'm on a limited income now & they did n't care. They said the only thing they could do is put me into a deferred loan now where I could pay them {$180.00} per month for 2 years so I could find another way to repay this. After these 2 years I 'm gon na now owe them {$260000.00}. When I 'm done paying them they expect to be paid {$45000.00}. I do n't understand how a federal loan is making all this interest yet not helping the public repay them. My XXXX kids have more loans they 're trying to pay back themselves. I 'm a co-signer on some of them. They harass me calling XXXX times a day to try to get my kids to pay their loans faster. They 've ruined my credit with all of this. My kids & I have XXXX loans we 're paying off just with Navient totaling {$70000.00} ; which does n't include the other student loans my kids are still paying to other companies. They also have tried to refinance with them & are going to put a claim into you also for this unfair student loan company. 

The American families are just trying to pay their bills & make ends meet living paycheck to paycheck. We need help!!! Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a fraud claim with the Home Depot credit card trough ( Citibank ). On XX/XX/XXXX  my wallet was stolen at a Costco foods store, this wallet included my Home Depot credit card and California License amongst other cards. I called the police department and got a police report where the officer confirmed by watching the store cameras that my wallet was stolen by 1 individual. 
When I found out that the thief used my Home Depot credit card and ID to but {$1300.00} worth of items at a Home Depot store I called and opened the fraud case. I submitted all information they needed including the police report number, my California ID pictures, dates of the incident etc. They still denied my claim, I re opened it to submit more information and I was denied again for reasons unknow. This is very unfair as I have always paid my bills on time and now they are ruining my credit. They didnt put a credit on my account to avoid any late fees or credit reports wile the investigation was opened. Can you please help me resolve this.

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 2017-03-23
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On or about XX/XX/XXXX I purchased a piece of land from my brother-in-law that ajoined my property. When my brother-in-law received a loan modification on his mortgage his lender made a mistake and included the land I purchased in his new mortgage. I have been in the process of refinancing my mortgage since XX/XX/XXXX. My brother-in-laws lender has not granted the necessary release so that I may move forward on my refinance. This delay has already cost me an additional {$610.00} to extend my rate lock and I do not want to incur any additional expense through the fault of somebody else 's mistake. I will attach my email and contact information for my brother-in-laws lender Chase Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised this is among one of the many items i have disputed with Experian where i have repeatedly have asked for debt validation " a signed consumer contract '' to be more precise. Instead of having some sort of resolution to all this, i have the collection agency that is fraudently reporting come back on CFPB with a copy of my social and drivers license that i sent to " EXPERIAN '' not the collection agency. Why would Experian release my drivers license and social to a company that was strictly only for Experian and which i have been stating over and over is reporting an account that isnt valid at all. Please advise why? who gave Experian permission to send/share my personal documents? 

see attached the the documents i received from XXXX with my personal documents which was included in there response to a complaint i filed on CFPB.

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 2017-03-26
Company: Blackhawk Network Holdings Inc.
State: NE
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I attempted to use the card for an online purchase. Vendor rejected the transaction because my address did not match the address provided by the gift card company. While the transaction was rejected, funds were deducted from my account and not available to me. I phoned Omnicard and they confirmed the funds were in a pending status, unavailable to me, and would not be available for 6 days despite the fact the Omnicard also acknowledged the transaction was rejected ( immediately ). This process is designed to impede transactions, making it more likely that Omnicard benefits from their time-based fee structure, harming their customer in the process. In addition to filing this complaint, I will share my experience with my large employer ( XXXX employees ) and encourage them to discontinue their relationship with Blackhawk/Omnicard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: International Computer Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XX/XX/XXXX I responded to XXXX via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, XXXX XXXX ( " XXXX '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, XXXX   is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to XXXX. XXXX is collecting on an uncollectible debt- conveyed to XXXX by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and XXXX continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just recently became a new XXXX XXXX of USA for the very first time and was granted my XXXX XXXX Status as of XX/XX/XXXX. I received my SSN Card in the mail 2 weeks after I arrived in the country which was again XX/XX/XXXX. The Issue date on my SSN is dated for XX/XX/XXXX, along with my XXXX XXXX  card that also confirms and states " Resident Since XX/XX/XXXX which is XX/XX/XXXX. That being said to my surprise I noticed a new Collection Account on my Credit Report that was placed on XX/XX/XXXX, for {$630.00} to XXXX XXXX, with the original creditor being XXXX XXXX XXXX XXXX and indicating the Open Date of this collection account is dated for XX/XX/XXXX. That being said seeing how I was only granted my XXXX XXXX on XX/XX/XXXX and arrived to this country on XX/XX/XXXX. It is impossible that I was in the country last year XXXX. That being said. I tried contacting both the Collection Account and the Original Creditor ; the hospital and to my surprise, The name on the original Collection Account has an incorrect name to be mine. Along with an address that was indicated on the account for last year XXXX, which I never lived at. After several going back and forth with both the collection account and the original creditor, I was able to get the account number associated to this collection account it being ; XXXX. That being said I tried several attempts at speaking with XXXX XXXX XXXXXXXX XXXX Billing and the Collection Account XXXX XXXX and in ALL attempts I have not been helped in having this issue resolved. I also did want to mention that this collection account is also replicated on my XXXX, TransUnion and XXXX on both my Fico and XXXX. Please see the attached documents I have provided one of which includes my XXXX XXXX Card that I received from XXXX  which clearly indicates what I mentioned previously, Resident Since XX/XX/XXXX, which is 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 explanation
Consumer complaint received 2020-04-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Okay im resident of XXXX Ohio and I was scammed out of XXXX $ on Thursday XX/XX/XXXX. 
Okay this what happen i walked to the ace cash XXXX right and i had check in hand and id and was just trying to do business right. Im second in line up next, i get to the window and i gave her the check then she ask for id i gave it to her. Then she started talk to me like a Friend right we was talking bout nothing for real then she got the cash out the register right then counted the money .Then somebody walk in and i looked to see just a random boy then i looked back at the lady/employee she put some money back in the cash register. She acted as she put all the money up on the conuter all XXXX $ up but really put XXXX $ back in the cash register as i look away Sincerely unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I completed a return of the mattress on XX/XX/XXXX it is now XX/XX/XXXX and I still haven't received my refund for {$670.00}. Between wayfair credit card and wayfair customer service NOONE has contacted me to get this resolved and whenever I call in I'm being ran in circles trying to get my money back. This has been a horrible experience from start to finish!!!!!! I just want my money refunded so I can be done with both of these companies

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 2020-04-03
Company: Experian Information Solutions Inc.
State: CA
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  on XXXX  XXXX, and there are many unknown ; suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security number.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX Collections did not provide me the original application contract. And have been negatively reporting to XXXX and TransUnion my consumer credit reports. I demanded to removal of this negative account immediately. The others were unauthorized credit inquires. 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