BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-19
Company: CITIBANK, N.A.
State: IL
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:
We purchased 2 tickets to travel from XXXX, IL to XXXX, XXXX on XXXX. The travel date was XX/XX/2017 to XX/XX/2017. XXXX cancelled this trip due to the company insolvency. We did our best to resolve issue with the company, but there is no response. We also filed a case with credit card insurance company, but insolvency is not covered by them. Our credit card issuer is a major bank so we expect it to have more power in resolving this kind if issue compared to our individual power, but the bank declined the credit card dispute we initiated.

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 2022-12-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I made a regular monthly payment in the amount of {$950.00} by check to XXXX XXXX  in XXXX, Georgia for my XXXX mortgage payment. The payment was made on the due date of XX/XX/2021 and well before the late payment date of XX/XX/2021. 

On XX/XX/2021, I was reviewing my credit reports from XXXX, TransUion, and XXXX  when I discovered that the mortgage account had been reported as having a 30 day late payment for the month of XXXX. I immediately called XXXX XXXX  and they told me that they were showing all my payments had been made on time and were current, and that someone from credit reporting would call me back that day. I got a call back but was told that I would need to email a copy of my credit report to XXXX XXXX to get the issue resolved. I emailed a copy and detailed what was happening. I also left a voicemail, which was not returned. 

After receiving no response from Ms. XXXX, I called her again, and again received no response. Customer service attempted to transfer me to XXXX XXXX, and I again was just transferred to voicemail. I have a receipt that shows the payment made on XX/XX/XXXX as well as an image of the cancelled check I used to pay. I need this late payment removed from my credit report and it seems that no one at the bank is responding. 

I have attached copies of my XXXX  credit report and cancelled check used to make the XXXX 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 explanation
Consumer complaint received 2021-12-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My HSBC account in the US was closed due to consumer deposit rules. I filed a series of complaints. I was finally informed by the bank 's relations department that I had the right to reapply for a new account, but the account opening department was because " the old account was closed. '' For reasons not to accept my new application, it is simply an unfair treatment to me. The two departments are playing back and forth, and they didnt seriously solve my problem for me. 

The XXXX team told me that the bank has the right to reject my application, and the other team responsible for my past complaints turned out that I have the right to apply for a new account. The HSBC team in the US is very confused and the information communicated is inconsistent. This is for me Said it was extremely unfair treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-31
Company: EQUIFAX, INC.
State: MN
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:
I want XXXX and Equifax to immediately delete and remove all fraud alerts and blocks from my XXXX and Equifax credit report, so XXXX XXXX Bank can access and get a copy of my XXXX and Equifax credit report to offer me a credit card account and open up a new checking and savings account for me at XXXX XXXX Bank. So XXXX Bank can not access or get a copy of my XXXX or Equifax credit report due to a block being on my XXXX and Equifax credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2016 Citi Bank allowed an identity theft to open a fraudulent account in my name. I tried disputing this account and they are refusing to remove this account. Their defense is that it was linked to an alleged checking account in my name issued by XXXX  XXXX XXXX. The account with XXXX XXXX XXXX is also fraudulent and XXXX XXXX XXXX is the one that contacted me about the fraudulent 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 explanation
Consumer complaint received 2022-01-08
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2017-02-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Attempting to get PMI removed from a PennyMac USA loan. At first I attempted to get PMI removed when the loan first reached 80 %. They ( in their right ) told me I needed to get an appraiser to confirm the property had not lost value. I think just a XXXX or XXXX search of the area should have been good enough but they requested an appraiser. I was used to good lenders which automatically terminated on request at 80 % since they new of market values. So now my loan has currently reached 77.9 % LTV and I requested termination but they are telling me I still need and appraisal. They are also telling me that I need to wait until 75 % LTV. I have asked them where that is listed as I do n't see it anywhere in the Homeowners Protection act or on the Consumer Financial Protection website. If contacted I can attach a word document that lists the E-mail exchange between PennyMac and myself in XXXX short pages so there will be no misrepresentation on what was said. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX Transunion 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 2016-02-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my [ XXXX XXXX XXXX ] password and enter my checking account at XXXX XXXX XXXX. Chase did not notify me of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts. 
In a tele meeting with XXXX XXXX XXXX officials in which I was present, Chase admitted that they had allowed someone to open a second unauthorized credit card and connect it to my credit card [ I received no notice of this ]. This is how the thieves funneled the stolen money out of my bank account through my legitimate Chase card to the unauthorized one. 
Now in a letter dated XXXX XXXX, 2016 they deny the privacy breach occurred. By the way XXXX XXXX XXXX has put the money back into my account [ with a hold on it ] based on the tele meeting with Chase officials. 
This is all the money I have. Late fees keep mounting and my life is in turmoil. I am recovering from a XXXX. The stress is hurting my health. 
I beg you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX  I tried closing my Wells Fargo Credit Card Account. I was told I couldn't and new cards were issued and sent to addresses in XXXX, TX that do not belong to me. I called again on Friday, XX/XX/XXXX  and requested my credit card account be closed out. I was told it would take up to 24 hours to close the account but it would be closed. I also reported fraud issues still occurring and was given a case number. On Monday, XX/XX/XXXX more fraudulent charges had been made onto my credit card account. I spoke with a representative that told me an investigation was happening and that my credit card account had been closed. On Wednesday,  XX/XX/XXXX I received an email that another credit card was being sent to my address. I called Wells Fargo yet again on Thursday  XX/XX/2021 to close the account and report the fraudulent charges on it. I was told the account was closed by consumer on XX/XX/XXXX 
Wells Fargo is NOT closing this account as it has been requested multiple times in the past 2 weeks.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: IN
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-05-31
Company: EQUIFAX, INC.
State: MD
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:
To XXXX XXXX Equifax The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine,

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 2021-09-30
Company: EQUIFAX, INC.
State: OH
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:
To whom this may concern, I've already tried to fix this problem with this company and it seems as they never did a good complete investigation on my credit report. 
Here are the items that are hurting my credit report because of the company reporting the wrong information. 

I asked for these accounts to be verified to ensure accuracy which they did not do a good investigation on my accounts because they still reporting inaccurate information. I sent out a letter on XX/XX/21. 

These accounts are highly inaccurate that they want fixed and I want them deleted off my credit report : This account has no credit limit reporting and reporting the date of last payment wrong which is extending my statute of limitation and I want it to be deleted from my credit report for reporting inaccurate information. 
XXXX XXXX Account number- XXXX This account is reporting no credit limit and reporting the date of last activity and also extending the statute of limitation and I want it deleted from my credit report. 
XXXX XXXX  Account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Synovus Bank
State: FL
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:
This is my first time making a complaint with you guys, not sure what is needed or how to go about this. I have been back and forth in a dispute with the company First Progress Card. I have contacted the XXXX  with my complaint. I have provided any & all documentation and proof that one can alongside XXXX to resolve this dispute and to prove my case. First Progress continues to ignore the information provided, they continuously reply back stating that they need " proof that they were cashed by their remittance department ''. XXXXXXXX XXXX manager and I have already exsplained several times to the managers and in the dispute via XXXX  that all payments were NOT made by a check or money order. The payments were made with cash via XXXX & wire transfers, therefore the only documentation that can be provided is the exact date, time, amount and of course the tracking ( reference ) number of that wire. I have paid all of my bills on time to this company for the past year ( including these in question ). I was told by them that they did not receive 2 months of payments from me ( which XXXXXXXX XXXX manager and I have provided proof off ). They not only have made me pay the actual bill 2x but also have added late fees both times which I have also paid each time. I am now forced to either pay another late fee on top of all of this or continue ruining my credit as this is a secured card that was " suppose to be increasing my credit not damaging it. I will provide all screenshots of out conversation ( s ) via XXXX  dispute for more detailed information. If ANY other information is needed, that XXXX, the XXXX  or I can provide, I would be more then happy to provide that upon request ( as we already have ). This has been ongoing for months now and needs to be rectified. I have also read other reviews about this company with the same issues alongside of not being able to cancel out the card and get their deposited back, which I am assuming will be the next issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: OK
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:
This pertains to all 3 credit report agencies XXXX XXXX XXXX and equaifax. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.

Company response to consumer: Closed with explanation