BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-01-28
Company: EQUIFAX, INC.
State: MI
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 this creditor XXXX XXXX XXXX and XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. 

Both XXXX XXXX XXXX and XXXX are Violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2020, my husband and I realized that we were victims of a scam. {$750.00} had been sent via XXXX within the banks mobile app and the two more payments of {$1200.00} and {$700.00} were sent. When a fourth payment was demanded, we realized we were scammed. I immediately contacted my bank to dispute the transactions, which totaled {$2600.00}. On XX/XX/2020, I was advised by the bank that they were denying my dispute. I filed a police report as well as complaints with the FTC, XXXX, and NYS Attorney Generals Office. My husband also has the text messages from the scammer admitting what he did while trying to recruit my husband to join them. 
On XX/XX/2020, I also filed complaints with the Federal Reserve and the NY State Dept of Banking.

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 2022-12-06
Company: CITIBANK, N.A.
State: CA
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:
I purchased an airline ticket from XXXX for flight to XXXX via XXXX XXXX on XX/XX/2022 using Sears Mastercard Citi bank. However due to a negative XXXX test I had to cancel and reschedule on a different date. I was assured by the travel agency that I would be reimbursed. I flew to XXXX and came back on XX/XX/2022 and found that I was charged 3 tickets {$1200.00}, {$1100.00} and {$1100.00}. I called the travel agent and have complained about the charges, called the credit card company regarding the extra charge and they reversed the charges. However a month later, I get 2 charges back on my credit chard {$1100.00} and {$1200.00}. The travel agent claimed that this was for taxes even though they were supposed to reimbursed instead. I submitted proof of XXXX test and still to no avail and even the credit card company would not reverse the charges. It's been 6 months without resolution and I'm having a hard time paying the credit card for these erroneous charges I filed a complaint via XXXX  and citi bank credit card charges me 28 % interest on those charges and still no resolution to this day. I'm hoping that this can be resolved through your agencies assistance. I filed complaint charges with Citi bank and until today XX/XX/2022 this issue 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
Consumer complaint received 2019-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, my Citibank credit card account XXXX was charged a " membership fee '' of {$95.00}. I was not aware of that charge nor did Citibank disclose it to me before it was posted to my account. I have never consented to the renewal of this " membership, '' and I have never approved the charge. 

I have not used this card for purchases for several years. Since I do not receive hard or electronic copies of the account statements for this card, I was not aware of and assumed there had not been any activity on this card during 2019. 

The first activity on this account in 2019 was the membership fee. Pursuant to instructions I had submitted more than a year ago, automatic payments of {$25.00} were then debited from my XXXX XXXX bank account on XX/XX/XXXX and XX/XX/XXXX as minimum monthly payments. I received no notice from Citibank that those payments were due or had been made. The only activity on this account in 2019 has been the membership charge and the two automatic payments. 

I have another credit card account with Citibank XXXX XXXX XXXX. On XX/XX/2019, I went online to check the outstanding balance of that account and the date a promotional interest rate would end. When I accessed the Citibank website, I was surprised to see an outstanding balance in account XXXX. I then searched the online statements for that account and discovered the membership charge and the automatic payments. 

I contacted Citibank customer service about the membership fee for an account I had obviously not been using and had no intention of using, and requested that Citibank cancel the charge and refund the amounts that had been automatically debited from my bank account. Although the person I spoke to was polite and seemed sympathetic, she informed me that because the membership fee had posted to my account more than 60 days ago, her supervisor advised her that the fee could not be cancelled or refunded. 

Citibank has mailing and email addresses for me and could have easily informed me of the fee and given me a reasonable opportunity to cancel my " membership. '' I suspect Citibank deliberately fails to ask its customers whether they want to renew these memberships because Citibank knows that, if given the chance, many customers would terminate their memberships. Taking advantage of these automatic renewals is obviously a source of profits for Citibank at the expense of unsuspecting consumers.

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 2023-08-22
Company: SYNCHRONY FINANCIAL
State: MS
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:
XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No AccounXXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XXXX XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account XXXX XXXXXXXX XX/XX/XXXX No Respond I Have No Account XXXXXXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account

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 2023-02-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
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: Investigation took more than 30 days

Complaint:
Dear Consumer Financial Protection Bureau, On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ) ], I sent a letter to [ XXXX XXXX XXXX  ] requesting validation of a debt that they were reporting on my credit report. I did not receive a response to my validation request. 

On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ) ], I sent a second letter to [ XXXX XXXX XXXX  ] again requesting validation of the debt. Again, I did not receive a response. 

On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ], I sent a third letter to [ XXXX XXXX XXXX  ] requesting validation of the debt for a third time. Once more, I did not receive a response. 

To date, I have still not received a response. 

As a result of the debt collector 's failure to validate the debt, I have suffered damages including but not limited to : the inability to open bank accounts, difficulty in obtaining employment, and being denied the ability to purchase a house. 

I demand that the credit reporting agency, CHEX SYSTEMS, remove the account in question from my consumer report immediately I am writing to make a complaint against ChexSystems for violating my rights as a consumer under the Fair Credit Reporting Act. This is the eighth time I have disputed an account with them and I am still encountering issues with having it removed from my consumer report. 

I demand that this account be deleted from my consumer report immediately, as it is in violation of the provisions outlined in 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), which states that reported information can not be based solely on transactions and experiences between the consumer and a company. I have provided ample evidence to support my claim, but it seems to have fallen on deaf ears. 

XXXX. Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$590.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX XXXX. Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$630.00} Closure Status : UNPAID I am fully aware of my rights as a consumer and will not hesitate to take legal action against ChexSystems if this account is not removed. I am seeking the maximum amount allowed under the law for the harm and inconvenience caused by this violation of my federally protected rights. 

I hope that the Consumer Financial Protection Bureau will take swift action in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your time and attention to this matter. 

Sincerely,

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-07-21
Company: JPMORGAN CHASE & CO.
State: MA
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:
I feel like I'm being followed by either visa or XXXX. XXXX XX/XX/2013 via the XXXX ( XXXX XXXX transit authority ) when I had been under the impression I qualified for a 30 day XXXX travel employee benefit ( in the form of a XXXX ) I worked at XXXX at the time. I hadn't at the time had a credit card. Since Ive had some major health issues, I've only now been able too get in touch with a company called XXXX ( via airline travel. ) As an attempt too reconnect with my employer. On account of Wondering how I had come too know XXXX initially. I'd come across an opportunity too open an account with chase again, and a chase XXXX themed credit card, I could swear looked specifically for me. I've found myself at rock bottom w/no credit history, collecting debit cards as long as I know their activated in the back of my mind. Currently XXXX requires payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had not used the Credit Card in question for quite some time except to pay off an existing debt, through auto-pay. Once that balance was paid in full I discontinued the use of this card until recently. I made a purchase in the amount of {$300.00}. On the due date of payment ( XX/XX/XXXX ) I processed a dispute of this charge, as indicated on the instructions on the back of my bill ( I should dispute any unauthorized charge if not resolved by the due date ). After I disputed the charge I noticed that an Auto-payment had been processed on the same day. However I never authorized the Credit Card Company to process an Auto-payment in this amount, and this was not the amount I had originally set up Auto-Pay for previously. I called the Credit Card Company and requested that the auto-pay be reversed ( because the disputed charge would be eventually credited back to my credit card account from the institution making the charge ). The representative refused to do so. I asked to speak to a manager. Instead the representative hung up the phone in my face. I immediately documented that conversation in an email to the Credit Card Company, and requested that any bank charges be covered. I called my Bank to STOP PAYMENT on the payment. My bank did as requested. However, the Credit Card Company processed another payment in the same amount, even after I had discontinued Auto-pay. I called the Credit Card Company on XX/XX/XXXX to have the payment reversed. I had to request a manger to have it processed, after the representative misrepresented that the payment had already been credited to my banking account. I was informed it would take 2-3 business days. I indicated that this was unacceptable. However the Manager ( Named XXXX, Id # XXXX ) could not or would not expedite the process of this reversal of payment. Meanwhile the processing of that payment has disrupted my means of payment to other institutions, and caused me to incur a STOP PAYMENT fee of {$30.00}. along with late payment fees on other accounts. This process has caused stress and dismay. The Credit Card Company should be held accountable.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-10-08
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was on an Income Driven Repayment plan for my student loans so I owed {$0.00} on my student loans. Apparently they sent out mail to an address that was incorrect about the billing. Therefore, I did not get it. I got a call the other day from a loan servicing and talked to them and they transferred me to someone else and had all of my loan information wrong. I looked at my credit today for the first time in a while expecting it to go up because I had been paying my stuff. It went down 142 Points. I called today and they set me up with a new account to where I can get renewed on another repayment plan. I asked them if they would remove the report from my credit where they said I had been late on all my student loans for the couple of months. They told me to reach out to someone else and dispute the credit report on them since I didn't know I was late at the time. I need this taken off of my account, because my credit was in the low 600s and now its around XXXX because of this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was reviewing my account and noticed that my account was in a derogatory status, when the account was settled for less and satisfied before the date of charge off. 

Account Number 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these accounts were 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 this creditor XXXX XXXX XXXX and XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. 

Both XXXX XXXX XXXX and XXXX are Violating my rights.

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