BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-03-01
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #

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 2020-02-06
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Under Citi Bank 's promotion plan, if I open a new account, deposit {$50000.00} in 30 days and keep them in the account for 60 days, I can get a {$700.00} bonus. I opened the new accounts in XX/XX/XXXX, which is the start of the nightmare. 
When I tried to deposit the money, I received the email stating that I have to submit utility bill & SSN, but I have submitted them and had received the receipt from Citi before ( see attachment 1, 2a, 2b ). It is obvious that Citi 's system had something wrong. Then I tried to contact Citi to figure it out. 
From XX/XX/XXXX, the second day of the new account opening, to XX/XX/XXXX, I have called or chatted online with the Citi agents for MORE THAN 20 TIMES ( see the attachment of Timeline ), struggling to find out what documents actually I should submit, when I can deposit the money, and even who really know the actual situation and give me a certain instruction. Sadly, in the 20-more calls or chatting, different people told me different answers. 
As all of the agents told me explicitly that I can not deposit money into the new account since it is on hold, I had to deposit them after XX/XX/XXXX, when I received the deposit notice. But Citi told me that my account does not qualify for the promotion bonus any more as I hadnt deposited the money in 30 days after account opening. It is so ridiculous! 
Firstly, it is the Citi agents who told me not to deposit the money when the documents were reviewed, which can be proved by the transcripts attached. Even more absurd is when the supervisor of the department rejected my complaint, she told me ACTUALLY I COULD deposit even the account is on hold. Who should I believe? 
Secondly, it is Citis confused management that led to the delay of document review. They kept on requesting the same documents which had been confirmed by their own system, they didnt send even one single message to request form W9 I only know it when I called by myself. I am even not sure when they have received all of my documents. 
Thirdly, Even the agent online who knows all of the processes admitted : since there was a delay of the account opening due to those documentation purposes, I'm sure that our Specialist team can enroll your account for this offer. But Citi just rejected my bonus disregarding all of the process and the records clearly kept in their system. 
I have attached the timeline of the whole case, I have attached all of the transcripts I chatted with Citi agents, and I think Citi has all of the call records in their system. I think it is quite simple to find the truth.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please ensure that only XXXX XXXX appears on my credit report ; kindly remove all other names. This request is in accordance with specific credit reporting laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Reporting Reform Act ( CCRRA ), which mandate accurate and fair representation of consumer information on credit reports. Please be advised that failure to update my credit report as requested may result in legal action, as I am prepared to pursue legal remedies to address any inaccuracies.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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:
These hard Inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are several addresses on my credit report that have been refused to be removed. There are collections I have know idea about on my credit report. There are several hard inquiries on my report as well that I didnt authorize.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Your inaction on this matter has caused severe damage to my financial standing and has left me deeply dissatisfied with your services. I have previously sent multiple disputes regarding the fraudulent account listed on my credit report, but it appears that your organization has chosen to disregard the clear evidence I have provided, ignoring the gravity of the situation. This fraudulent account is having a detrimental impact on my creditworthiness, and your lack of action is nothing short of appalling. 
The fraudulent account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have taken all necessary steps to report this account as a result of identity theft, obtaining an identity theft report. I have provided you with this information on numerous occasions, yet you have failed to acknowledge it. This should raise serious concerns about the accuracy of this entry on my credit report. This fraudulent account has exceeded the statute of limitations for reporting debts, and its continued presence on my credit report is a violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX I requested Experian to provide proof of where the received a bankruptcy records. On XX/XX/2023 experian replied and stated ( The company that reported the information has certified to Experian that the information is accurate ) Experian still hasn't provided the proof.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXXXXXX 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 2023-12-12
Company: Experian Information Solutions 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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Company: Atlanticus Services Corporation
State: NY
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 card reported me to credit bureaus for late payment and everything was paid. 

XXXXFORTIVA MC 90 days past due as of XXXX XXXX  XXXX XXXX XXXX XXXX past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like the late payment information to be taken from the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my concern regarding the inaccurate and incomplete credit information that is currently listed on my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes, in accordance with FCRA 15 USC 1681. I respectfully dispute the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-11-02
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initiated a biweekly payment program with Amerihome Mortgage to pay down interest faster in XXXX of 2020. In doing so this required me to give them access to my bank account. When I received my statements the payments were being deemed 'partial / unapplied ' payments. I called on this in XXXX of 2020, where I was told there was an issue and I was being escalated and a manager would call me back and the issues would be fixed. I was informed on this call that it would take 24-48 hours for a manager to call me and 30 days to fix the issue. After waiting 6 weeks my I received my next statement read the same way 'partial/unapplied payments. ' I called again where I told that Amerihome didn't offer a program where the payments would be applied to pay down the mortgage faster, but a manager would call me back. After no call back I called 5 days later, I was told a different story that it was supposed to be applied, they would fix and a manager would call me back. I finally called and canceled this program, I finally got a call back! It was not a manager it was a customer service rep stating I owed another 1/2 payment prior to XX/XX/XXXX to not fall behind ( again told a manager would call ). On XX/XX/XXXX I made the agreed upon 1/2 payment. At point after having 2 confirmations that my bye weekly payment was canceled Amerihome stole money from account in the amount of a 1/2 payment. I called to complain, the rep said the monies would be returned in 24 hours and a manager would call me back. 3 days later I had another 1/2 payment stolen from my account. I have now called every 2-3 days talking 5 additional people saying I would have my money overnighted back and have within 24 hours and a manager would call back in 24-48 hours. In all, I believe I now have called 11 times, no manager call back, no monies returned to me. This company has no issues in stealing your money and hope you go away. In this time of a panademic, if they are doing to this people without a concern for there well being it is just sad. I could not even speed up their process of getting a call back using the term you, 'stole my money. ' Please help! 
Last 5 people spoken to XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was charged {$63.00} ( sixty-three dollars and XXXX cents ) for a purported stay at the XXXX XXXX XXXX XXXXXXXX, MO on XX/XX/2021. 

My Bluebird American Express prepaid card was charged on XX/XX/2021. 

I NEVER STAYED AT ALL IN SAID PROPERTY THAT EVENING OR EVER. 

I sent a letter by fax to American Express at ( XXXX ) XXXX on XX/XX/2021 disputing the charge, which is American Express 's Document Upload Center. 

I NEVER RECEIVED A RESPONSE. 

Therefore, Bluebird American Express is COMPLICIT in defrauding me, and for allowing a fraudulent charge to stand!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into a consumer credit transaction with American Express on //. A consumer credit transaction in which a finance charge was involved. Pursuant to 15 U.S. Code 1605, the finance charge in question is not to include charges of a type payable in a comparable cash transaction, but American Express is attempting to take cash. Also, Pursuant to 15 U.S. Code 1643 ( d ), I am not liable for the unauthorized use of my credit card. The charges are unauthorized as I, the cardholder have received no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions 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:
During the summer, I finished my term with XXXX XXXX XXXXXXXX and requested a student loan payment of {$360.00} on my XXXX account, the remainder of what I had left to owe for my student loans. The payment was scheduled on the XXXX website for XX/XX/XXXX of this year. I got a notification regarding repayment in late XXXX and sent an email to XXXX XXXX on XX/XX/XXXX about the problem since the amount hadn't reflected on my account. I got a response on XX/XX/XXXX from them saying that the payment was now posted to my account, which is now reflected on their website, but I just checked my credit reports from all three of the major credit bureaus today, XX/XX/XXXX, and they all still reflect the loan saying that I have a balance of {$360.00} despite it being paid off. I had filed a dispute with the companies at least two months ago, but Experian concluded on XX/XX/XXXX from my dispute that the balance was still there despite XXXX XXXX saying it was paid, and I had sent a message to XXXX XXXX about reporting my full payment to the credit bureaus, which has yet to be resolved.

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