BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00}

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 2022-08-12
Company: CITIBANK, N.A.
State: NM
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:
The last XXXX of the card is XXXX. The last XXXX of the new card is XXXX. 

Citi is still charging me {$230.00} for a charge I disputed on XX/XX/XXXX. I called and their representative told me that I wont get a credit until the investigation is complete which is not in compliance with federal law. Im supposed to receive a temporary credit while its being investigated. 

The representative also gave me a non-existent phone number to call to escalate the issue to. The number she gave me was XXXX which is not a valid phone number. 

I would like an immediate permanent credit as citi violated federal law by not providing a credit while a fraudulent charge was being 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 monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
Back in XX/XX/2022 I began disputing inaccuracies on my report with XXXX. XXXX is furnishing inaccuracies from XXXX. One it is a violation of me ( the consumer ) to furnish private information to a public third party. XXXX is a 3rd party furnishing my private information. XXXX and XXXX have violated the following rights of mine 15 USC 6802 ( a ), 15 USC 1692a ( 2 ) and 15 USC 1602 ( I ). I sent a cease and deist to XXXX and they did not comply. XXXX is the furnishing. They are reporting late payments which is a violation and they failed to verify also some months have ND which means no data provided how can you furnish information if no data was provided by a company. Seems suspicious because the other bureaus are NOT furnishing the same information. XXXX is furnishing high balances which is a violation of the Gramm Leach Blilley Act meaning XXXX can not furnish transactions aka high balances. I know for a fact because I sent a cease and desist letter for an account violating the Gramm Leach Blilley Act and the account was removed because they knew they violated my right. XXXX is violating several FTC, FCRA and Privacy Protection laws. XXXX Transunion and XXXX are reporting different high balances which is a violation and means the account should be removed. I have proof that these inaccurate accounts were falsely investigated and updated

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 2022-09-07
Company: Bread Financial Holdings, Inc.
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a card with XXXX for ten years, never once missed a payment. XXXX took over the account in I think XXXX this year. I did not have access to any account when XXXX stopped taking my payments, and the account was transferred to XXXX. I did not receive a way to pay through " XXXX '' and all my calls were on hold for over an hour, dropped, mis-transferred ( with laughing person on line and led to a transfer that was a message to call again later ), and once I even got a message ( which i have recorded and saved ) stating they were sorry no one was available to take payment, that no negative payments would be reported to credit bureaus, and to call back again with a disconnect. I received notice from XXXX XXXX that I was reported for late payment in XXXX or XXXX, when I could not make a payment after trying so many times! I have submitted disputes to all the bureaus, and a letter back from XXXX from my goodwill request that they would not honor my request to remove the late payment reported. I had thought it was just taking them time to " transfer '' I have sent them multiple letters requesting to remove the late payment, and finally was able to get someone to take the XXXX dollar payment ( all that was due ) and closed my account with them. I was never even able to get my card activated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX and I live in XXXX Iowa. On XX/XX/2018 I put {$24.00} of gas in a XXXX XXXX XXXX near to XXXX on the XXXX  XXXX, using my credit card ending XXXX of Bank of America. Then on XX/XX/2018 when I tried to used again in other place, it just said declined. When I checked my card statement it showed that I had done different transactions during XX/XX/XXXX and XX/XX/2018 that I didn't. They were 2 more in the same XXXX XXXX XXXX for {$24.00} and {$13.00} and later three additional transactions in XXXX XXXX {$13.00}, XXXX {$8.00} and XXXX {$27.00}. So it looked they kept doing it Up to my credit limit was reached. Fortunately I just have {$300.00} because they would stealing my money. Once I realized what happened I immediately report to the bank and the create the fraud claim XXXX. On XX/XX/2018, the Bank sent me the letter telling me that there not identified fraudulent transactions and I would have to payback those transitions and I'll be responsible for the balance of my account ( Attached ). On XX/XX/2018 I went to the office in XXXX XXXX and they didn't take my request, because the credit line people weren't working that day. The advisor reschedule an appointment for me during the week days and hours that apparently the credit line people work, but I work and for me is not possible attend a personal appointment that fit in their schedule. Anyway I let The advisor know about my position of not paying those fraudulent transactions, because I never unprotected my card and the bank must be responsible for the card and money care. He explained me no balance will be applied. So since it was a prepaid card I pay for the balance of the money that I really spent, in the way to using for a road trip during XXXX XXXX weekend. I was traveling on my way back from XXXX XXXX to XXXX Iowa confident with my money in my prepaid card, but nevertheless the bank took the money and applied the balance without my authorization. Making me live hard times without my money to put gas, I really faced an emergency because I just counted with the money in my card.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with TransUnion XXXX and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
CAREFULLY READ ALL ATTACHEMENTS. PROPER IDENTIFICATION IS ATTACHED. I kindly request the removal of the " collection '' status from my payment history on the accounts mentioned in my letter due to the consumer reporting agencies violating the FCRA of the United States Code.

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 2019-01-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally physically continuously.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: DC
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 Account XXXX XXXX XXXX Has violated my rights 15 U.S .C 1681 section 602 A states : I have right to privacy 15 U.S.C 1691 section 604 A section 2 : a consumer reporting agency can not furnish account without my written permission

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-07-03
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Like they have the statement of the account it says that the amount of the total of {$1800.00} was payed andthe only amount that ia owe it is just the total of {$480.00} by the date of XX/XX/2015 i am notice that they actually had the account with the wrong total. And i notice that if the amount it is {$480.00} iam willing to pay that amount with a fare payment plan. I whent to the collection agency community statemants and i notice that this agency had have a lot of negative comments of there services and that others had the same or similar problem that i have with the agency. like isayed if i owe the amount of {$480.00}, iam willing to pay but with a fare payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I recently check my credit report and saw accounts reporting that I do recognize

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2022-08-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When I applied for the Venmo Visa credit card early XX/XX/XXXX, a {$200.00} bonus credit promotion was included with my application that applied after spending {$1000.00} first three months of account opening. I spent over {$1000.00} more than three months ago and the {$200.00} bonus credit has still not been applied. I originally contacted Venmo  XX/XX/XXXX about this issue and the response I received on XX/XX/XXXX was general/ambiguous but stated an investigation into why I haven't received the credit is taking place. To date, I have not received additional information/response from Venmo. Venmo also doesn't make it easy to find and download correspondence with the company. This is not just about a {$200.00} bonus credit. This is about being able to trust the company I'm doing business with. 

I've also filed a dispute through the XXXX XXXX XXXX on XX/XX/XXXX. The chronology is below : Consumer 's Desired Resolution : Refund ; Billing adjustment XXXX Processing XXXX web XXXX Case Received by XXXX XXXX web XXXX Case Reviewed by 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 monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is continuing to reflect inaccurate accounting. The timeline is outlined by FCRA XXXX XXXX b XXXX and and XXXX has still has not complied with the federal protection consumer laws. I am continuing to suffer financially, professionally and emotionally as a result of these violations.

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 2021-08-16
Company: Experian Information Solutions Inc.
State: MS
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:
Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated MayXX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The Credit Reporting company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.

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 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A Fraud claim opened, XX/XX/2022. XX/XX/XXXX XXXX called XXXX to close this fraud acct..XXXX  XXXX reported to credit bureau, FTC XXXX XXXX and .gov and personal accouts. XX/XX/XXXX letter from Bank of America, Research completed-Mailed affidavit back to bank of America to XXXX XXXX XXXX received statement from Bank of America in US mail.XXXX  XXXX XXXX gets notification from XXXX a new account activity from Bank of America. I called bank talked to ( Bank Rep. XXXX ) BofA, a new account was opened, it will be deleted in 10 days.XXXX  XXXX received statements in mail from Bank of America, ( now 3 accounts open ) XXXX XXXX XXXX gets notification from XXXX new account activity from Bank of America XXXX XX/XX/XXXX XXXX calls Bank of America XXXX XXXX XXXX Bank rep. Says they can not close accounts full for 90 days. XX/XX/XXXX XXXX gets notification from XXXX nem account activity from Bank of America. I call bank talk to ( XXXX XXXX ) Bank rep..a new account was opened XXXX requested again to close all accounts. XXXX starts new claim number. XX/XX/XXXX possible 4 accounts open in XXXX name? XXXX does not know? XX/XX/XXXX letter from bank of America, SecondAffidavit sent back to Bank of America XXXX XXXX XX/XX/XXXX Statements from Bank of America in US mail ( now 3-4 acct.s ) XXXX XXXX Bank of Americ rejects Affidavit XXXX XX/XX/XXXX XXXX travels to XXXX Kentucky to Bank of America to close accounts personally, provided Drivers Lic., SS card, PassPort, Elctr Bill & phone bill. Still not closing accounts. Bofa rep XXXX XXXX and MGR XXXX XXXX XXXX XXXX, working With Fraud Dept. they ran out of time, they will call me back. XXXX and XXXX XXXX called and left message..they never called back, Sent a Fax to XXXX BofA no response as of XX/XX/2022.

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 2022-03-07
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
on XXXX went on line to start a bright checking account with turist bank, i provided my personal information how long at address- full name-address-tel # - e-mail address ssi # went to click on next step came up in error code # XXXX cant verify idenity therefore i called and left a voice mail message for XXXX XXXX, ( XXXX ) XXXX same day, no response from him as of today XX/XX/22 regarding to finish the application, regarding my personal information at turist bank is at risk, for online application signed and dated XXXX XXXX XX/XX/22

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