BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, XXXX electronic transactions totaling XXXX were performed on your account. I did not authorize these payments. The payments occurred through XXXX. I opened the case on XX/XX/XXXX for an investigation and for a request to receive these funds back. I received a letter from Citibank on XX/XX/XXXX, that they made several attempts to contact me to obtain additional information for my request. However, this is false. I never received a letter, a voicemail, or e-mails. I only found out that the request was canceled when I called my bank on XX/XX/XXXX. The supervisor I spoke to told me the initial investigation was filed improperly. I opened up another case on XX/XX/XXXX, and the case has yet to be resolved. I have not been able to pay my rent - I am 12 days late - because my bank was not able to resolve this due to improperly filing the initial investigation.

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: 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: Information belongs to someone else

Complaint:
I find it disturbing to see my Credit File infested with fraudulent items as this will be my third request to remove these information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. But despite the previous dispute letters I sent to the Credit Bureaus, these fraudulent items are still being reported. The Credit Bureaus ' blatant neglect of the Fair Credit Reporting Act section 605, is a clear violation of my consumer rights under the Fair Credit Reporting Act. Please understand that as a consumer, I rely to only accurate reporting but I see here that the Credit Bureaus do not present " FAIR '' nor " ACCURATE '' reporting which is very disappointing to look at. I am submitting this Complaint once again, despite the previous countless Complaints I already submitted, to bring this matter to the Credit Bureaus ' attention and have all fraudulent items removed completely from my Credit reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The Credit Bureaus should have provided copies of documents the moment they claim that the information they present is accurate, but I received nothing. Without these documents, the Credit reporting Agencies should remove and delete the disputed fraudulent items from my Credit File 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 2020-12-28
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I had sent out dispute letters regarding accounts on XXXX XXXX, XXXX to fix the inaccurate information on my credit report.

1. Late payments were added to one of the closed accounts which the account was closed on XX/XX/XXXX. 

2. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 3. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 4. The Date of Last Activity of the account is reported differently. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting that XXXX XXXX XXXX XXXX. remove XXXX x 30 day late dated XX/XX/2020 from TransUnion, XXXX, XXXX. This payment " late '' due to XXXX extenuating circumstances beyond my control & directly attributable to XXXX & XXXX & XXXX actions. As usual, I attempted to hand deliver my mtg.payt.to the XXXX XXXX XXXX XXXX branch on - however, XXXX & XXXX would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. XXXX XXXX XXXX XXXX XXXX XXXX refused payment slide under door. 
I then attempted several times to send mtg. payt. via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX XXXX. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted mtg.payt. was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for XXXX years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for XXXX & XXXX refusing an on time mtg. payt. XXXX bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if XXXX & XXXX had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with XXXX & XXXX ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXX 2020, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted mtg. payt.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.

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 2021-01-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Dear Sir/Madam I'd like to make a new complaint but there was no similar case so i will tell you here. 

I used Paypal XXXX ( Online payment service ) service but one day they emailed me that My Paypal account is permanently limited. 

They told me, I did not follow their regulation so they will hold my fund for 180days but after 180days they did not release my fund and just took it from my account. Total amount is USDXXXX approximately. 

I can not believe why this is happening. I called their customer center and finally they told me my fund ( USDXXXX XXXX is transfer to Paypal as damage fee. 
I can not understand and this is criminal. Pls help me to correct this issue. 

Attachment Paypal email 1,2 : This email is showing that my account is permanently limited and hold my fund 180days. 

Paypal Login : This screen i can see when i log in Paypal. 

Paypal transfer money : Paypal took my money without notice. 


I am not sure if this is right place but I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone used my phone and I unknowingly discovered they purchased a pair of shoes using Affirm, they were sent to a address that I didnt approve with at the time due to me not being in the area due to traveling for work and I called affirm and the company about this issue and they both didnt help. The shoes never got delivered to me and actually got returned to sender and Affirm is still trying to bill me. I submitted proof the item was signed and delivered to someone in Michigan while I live in maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1

5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: MO
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:
I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX/XXXX,XXXX XXXX XXXX XXXX.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: MI
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 this isn't 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 XXXX 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 .This 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-01-07
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We opened a company credit card with Citibank over twenty years ago, and the company has since closed. The credit card remained active, and a few months ago, I paid off the balance. There was a return, which caused a credit amount on the card. I asked Citibank to send a check and close the account. Citibank sent a check in the name of the closed account, but I can not deposit the account since I do not have a checking account with the name of the closed company. I have the check that was issued by Citibank in the name of XXXX XXXX XXXX  XXXX, and at this point, Citibank is saying there is nothing they can do. 
So, I understand that Citibank will keep my money in the amount of {$310.00}. 

Is this fair?

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX 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 2019-05-07
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Got a call from XXXX while I was in the shower, on XX/XX/2019. I returned the call and they INSIST on my credit card information. I didn't give it to them, but was SHOCKED when I finally found out that it was Citibank!!!! I don't and never have banked with them, my phone number has been on the national DO-NOT call list for year 's. 
Citibank has NO business calling people on the DO-NOT call list, on top of DEMANDING credit card information ... Customer service at Citibank was horrible, I gave up. I would like them reported for trying to scam people on the DO-NOT call list!! They are a financial institution, they have NO place phishing!!!!

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 2021-03-02
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Balance : {$4100.00} : XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00}

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 explanation
Consumer complaint received 2021-01-06
Company: Tri-Emerald Financial Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is an extremely condensed version of the past 8+ months. I sent the required documents to the loan officer on XX/XX/XXXX with an estimated date of closing stated to be XXXX. Months of excuses esp related to covid, repeated requests for the same information, staff turnover, requests for repairs made after the appraisal ( esp when we have 2/3 the equity in the home ), multiple fees charged for return of appraiser to see these repairs, multiple new closing dates given and general mistakes made the closing and funding happen today ( XX/XX/XXXX ). I just received a frantic call and txt from my loan officer saying they want a copy of our solar loan or they will de-fund the loan. After 8+ months this seems a complete abuse of my rights. It has been 8+ months of jumping through hoops daily for every little request to be threatened to de-fund after funding has occurred. 
In addition, I was sent a loan estimate saying my appraisal for this 1400 sp ft house would be {$500.00}. I was sent a blank form to put my credit card info on for this appraisal and I filled in a max of {$600.00} but was charged {$650.00} without my consent. In addition I was charged {$100.00}, and {$150.00} for the return of the appraiser, plus {$250.00} for a roof inspector to come out and say the roof was sound for a total of {$1100.00} to appraise a house I own 2/3 equity in. My loan estimate from XX/XX/XXXX states a {$100.00} lender credit ( not the promised {$500.00} verbal promise, but, that was even removed on the final documents ). I was told I could not use a family member for my notary when the estimate says " items I can shop for '' include a notary. This company has horrible XXXX reviews for similar behaviors which unfortunately I did not review prior to using them and the constant promise of closing kept me on the line. I feel strongly they should be investigated as this process took years off my life and I don't wish this to happen to anyone else. 
Lend Plus, Tri-Emerald Financial Group Inc and XXXX XXXX was my loan officer. 
Thank you for your time

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