BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: DE
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:
Lost wallet during move to XXXX, Texas, Had alerts going off on XX/XX/2022 that my credit was being ran by XXXX XXXX and XXXX. I called Equifax multiple times ending in the representative saying that they can not help me. There was not verification or authorization in this process and under the FCRA laws these inquiries should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
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:
Citi is continuing to disregard my complaint. This is an ongoing problem per previous complaints made to CFPB. Their last response was trying to placate me by adding points to my account. I would like this resolved once and for all. Citi is now attempting to withdraw the resolved amount of {$4900.00} from my account even though they said they are working on correcting the problem. This problem has gone on for more than a year. I am wit ends and do not know what to do about this. I've attached a current statement. My bills are set to pay in full every month. My purchases show {$2600.00} as charges for the month of XXXX. Citi is trying to withdraw that plus the resolved amount ( {$4900.00} ) and interest. They added this interest because I stopped them from withdrawing that amount from XXXX. They said you can adjust the autopay and Citi will not charge interest while they supposedly working on the problem. On my last CFPB complaint, I showed proof that I paid the {$4900.00} double credit on XX/XX/2023.

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have made two requests that CFPB investigate the reason that TransUnion will not send a copy of the information that they collected about me to me. In the past they have sent 3 or more copies of their Credit report to the address that they have but refuse to send a current report to the same address. Although they send requests to the address that they have requesting that they be provided personal and private information and a verification of the address that they are using. TransUnion collects information about me that I have not given permission for them to do. I have no legal obligation to provide them with any information, whatsoever. I am only asking them to comply with the statutes and provide me with the information that they have to the address that they are currently using. Thank you.

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 2020-09-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
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:
Hello, On Saturday morning, XX/XX/XXXX, near XXXX XXXX, I called an XXXX  to go home. I was waiting for my XXXX  outside the XXXX  XXXX in XXXX when I hoped into a car who claimed to be XXXX. It was very late at night so I didn't recognize. Once the trip started, I found out it wasn't my XXXX. The lady said she made a mistake. I immediately cancelled my XXXX  through my phone. She said I could pay her by using the credit card processing machine in her car. I said yes and input my card and entered my pin. She saw me putting in my pin number. She looked at the machine and said the transaction didn't go through. However, she said she feels bad for wrongly picking me up and causing me to miss my XXXX. 

Everything was fine until on Sunday, XX/XX/XXXX, afternoon, I checked my wallet and it did not have my debit card. I panicked and checked my bank statement. There were 4 fraudulent transactions that had occurred. One at a XXXX XXXX ATM ( not my bank ) for {$800.00}, one at XXXX for {$330.00}, one at XXXX for {$300.00}, one at XXXX for {$330.00}. 

My bank, Regions Bank, has denied my dispute twice despite me filing a police report. They have even gone on to said they won't look at the CCTV footage and if the police were to provide it for them, they wouldn't consider it since my PIN was used. They claim since my pin was used, I am liable. They are not considering my PIN is compromised.In short, they are saying a PIN can never be stolen. They are saying there is no such thing as PIN fraud. I am deeply angered and hurt that my heard earned money is not being refunded to me by the institution that promises to safe guard it. Please help me get my funds back.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the XXXX and TransUnion Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$400.00}.

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 2023-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is my second complaint Citibank says I have to wait to receive correspondence in the mail. Ive already received it and verified myself over 10 times. Yet still my card doesnt work

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 2023-04-21
Company: Experian Information Solutions 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:
I have opened a multi-dispute with Experian on correcting the error that is been reported on my credit report. Report number XXXX Report number XXXX Report Number XXXX Report Number XXXX. 

I have settled the debt with XXXX XXXX XXXX Account number XXXX with XXXX XXXX as of XX/XX/XXXX. 
Experian has failed to validate my claim thereby reporting a CHARGE OFF of my account from XX/XX/XXXX till date which has affected my overall credit score negatively. 

After getting some good news from CFPB and informing Experian of the outcome of the dispute I submitted Consumer Financial Protection Bureau ( Ref. No. XXXX ), Experian has still failed to update my account. 
I have uploaded proof on the experian.com/upload website and the customer care folks from Experian said they can find the upload. The whole system is flawed and the XXXX XXXX that is been perpetuated by Experian by the negative credit score reported monthly for 4 months is totally unfair.

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 2020-02-18
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello .Im filling this complaint concerning my credit bureaus particularly Transunion.I see they have too many inquiries in my credit reports, and some of them come from car dealership.When I called each of them to remove them because I dont buy any car yet only one car dealership I have visited it was XXXX XXXX in XXXX Georgia and I didnt want want them to pull up my credit because I didnt want the Downpayment they offer me.And after I have seen a couple car dealership inquiries in my credit report.I recognize a few of them only concerning XXXX  XXXX I have 1 account with them only, and I have applied officially one card with XXXX XXXX and one with XXXX and I have applied for a mortgage with XXXX XXXXXXXX XXXX XXXX.I see one inquirie from XXXX i dont recognize.Plus the worst thing I noticed that Transunion doesnt care its about the update of my credit score and report they never update it cause is not in their interest.I am just building my credit right now, How I can build my credit if this companies try to put their feet in my financial neck? I m young and managing my credit well.I want them they removed those inquiries and for Transunion update regularly my credit score and report .Thank you very much for your support.Best Regards

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 2020-07-26
Company: Experian Information Solutions Inc.
State: TN
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:
Account reporting, for credit and FICO Score purposes, issues with XXXX XXXX XXXX XXXX. XXXX is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; Experian, XXXX, and XXXX  XXXX, are as follows. While I disagree with my Experian and XXXX  reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the XXXX  reporting. XXXX  indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,

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 2023-07-10
Company: Experian Information Solutions Inc.
State: DE
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 2022-04-14
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 Convergent Outsourcing has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. Convergent Outsourcing Still hasnt fixed there mistakes. In accordance with the fair credit act Convergent Outsourcing Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. Convergent Outsourcing has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX XXXX still reporting false information for years.

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 2022-11-03
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: Information belongs to someone else

Complaint:
On XX/XX/2022 I filed a dispute with all three bureaus : XXXX, Trans Union and XXXX involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.

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 2020-07-26
Company: CBC Companies, Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
Factual Data Mortgage pulled a credit report in XX/XX/XXXX, I was trying to get finance to buy a house, the report they pull was Bogus, said XXXX   had not reported anything on my report and XXXX XXXX score was wrong as was XXXX I reported this company to the XXXX XXXX XXXX, got a call last week then today I looked a my experience report and the company had put on it that they pulled a report on XX/XX/XXXX, I was not even looking for a mortgage in XXXX, and FactuLData Mortgage want it to stay on my report until XX/XX/XXXX how can a company just lie and put and thing on your credit report, just because you reported them to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my Citibank card since 2010- over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. 

I would like my account reopened and my APR put back to what it was. 

Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. 

I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!

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 2023-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage Acct # XXXX -I purchased the property in XXXX, keeping up with my payments even with the economic crash in XXXX which valued my home less than what I paid, and my severe reduction in income -Wells Fargo was handed cash by Federal Government to help homeowners affected by the recession, so I called on mortgage to try to refinance my loan at a lower rate since I was a 6 % - starting the process in XXXX -When I called, I was told by customer service that the only way to qualify for any assistance, I had to be in default in payments -When I did default, they had me apply for their Home Preservation Program -They proceeded to deny my application -They profited from my default fees and late charges -Later when tried to refi again, my credit score was ruined, and they denied my application -I was forced to sell my home after 11 1/2 years, since the 10-year interest only reverted to a conventional loan and the payment increased -I called Wells Fargo to be included their Fair Fund Claim -I still have not received an answer from them

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 2023-11-04
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-04-21
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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