BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I transmitted {$1400.00} ( my rent ) via XXXX  - Citibank 's replacement for electronic money transferring. XX/XX/XXXX, my landlord contacted me and shared that he never received a link via his phone number. The following actions then ensued : XX/XX/XXXX + I contacted Citibank asking to provide me with proof that the money I sent was " deposited '' into the bank account of XXXX XXXX, intended recipient, who has a XXXX account.

XX/XX/XXXX + Citibank responded that they'd open an investigation and that if the funds were not picked up in 30 days from the date they were sent they'd be refunded back to me. Those 30 days went by and I called back and they shared that I was to then contact the recipient directly who went through his XXXX account and shared that the money was not deposited.

XX/XX/XXXX + I contacted XXXX for any assistance -- they shared that I would need to speak to Citibank. Called Citibank again, and they shared that they would get back to me.

XX/XX/XXXX + I received a document sharing that they'd gone through the records and found that the recipient had " received the funds. '' And that I was entitled by law to obtain copies of the information. I called the number listed on the document and requested those documents. The documents, to this day, have never been sent or forwarded to me despite multiple calls - 3 in fact, one sharing they'd email them to me, and others sharing that they didn't have those documents. XX/XX/XXXX - I would like this money to be refunded back to me so that I can provide that money to the intended owner. Currently, Citibank nor XXXX has provided me with proof that they accurately deposited the money into where I instructed them too.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion removed my XXXX account from my credit report so now my credit score is nonexistent. The account is not even reported as closed which would have given me a lower credit score but still a credit score that exists. The account has been completely removed from my credit report. I called TransUnion. They said to call XXXX to check the information on my XXXX account and report the account to TransUnion. Then, TransUnion will update my credit report. I called XXXX. They have the correct information on my XXXX account, so it does not make sense why TransUnion is not reporting the account. XXXX says they report daily and will report again tomorrow. Next, I try to get my TransUnion credit report to verify that my XXXX account has been readded. I am unable to log into my TransUnion online account so I can not view my credit report. Next, I try https : XXXX, but that also fails. Now they will just respond to this complaint with a generic copy and paste response telling me to contact TransUnion by phone to resolve this issue.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have repeatedly asked Bank of America to cancel the two {$30.00} stop payment fees on two checks each one for {$54.00}. I went to its branch in XXXX, New Jersey. I spoke at length to the branch manage in XXXX, New Jersey who was none to friendly or kind. It is unjust and usurious to charge me {$30.00} to stop a {$54.00} check! The branch manager said " We do not have a sliding scale. '' Ridiculous! The Bank of America should. Am I to be told that there would be a {$30.00} stop check fee for a {$5.00} check? Or a {$30.00} fee for a {$2.00} check? 

Furthermore, the two checks were to the a court of law that failed to process the check and so I cancelled payment of the checks! 

I am willing to pay something but not {$30.00} per check and I made that abundantly clear repeatedly to the branch manager who paid me no mind! 

Outrageous! 

The Bank of America may not cancel my accounts because of my complaint as that would be obstruction of justice and interference with the administration of government. Both are felonies under the law! 

XXXX XXXX, XXXX. XXXX. 
XXXX XXXX  XXXX ( XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Loans are paid off, not in collection.

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 2023-04-27
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a current key bank customer, I have a checking account and a line of credit. I received a promotional offer to open a savings Account and proceeded to do so this Sunday XX/XX/23 via online banking and initiated a {$15.00} transfer to the Account. I then later tried to login to the Account and received an error advising to call in as my online banking was locked. I called in today to access my account and verified over the phone with a representative. I was told there was a problem with the savings account and fraud was reviewing, I then questioned why I couldnt access my entire online banking profile due to a new account I applied and was approved for using the same information on my profile. I then was advised in order to rectify I need to visit a local branch, I advised that is not possible as I live in Massachusetts and there is no branches around me. The representative said that was the only option which I replied if the issue is with this new savings account then they can close the Account. The representative stated the only way to fix again was to go to a branch, I am requesting a complaint filed. From what I can tell is KeyBank intentionally placed a hold on my accessing all of the accounts in my name simply because I opened an account online and the store they assigned the state to us different from the one I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Why after I paid collection debt, my credit score has been dropped so far? I proposed to fixing my credit score for refinance but it caused me a problem.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted all three credit bureaus to have these charges removed due to it being a deformation of my character and You have caused me and my family severe harm due to your negligence and inaccurate reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I submitted an initial complaint with the Consumer Financial Protection Bureau in regards to Lending Club 's billing practices. During my XX/XX/XXXX telephone call to Lending Club, the representative told me I was not able to change my due date without paying two payments within the same month. When I advised her that I wouldn't be able to do this, she asked if I wanted to cancel. I acknowledged yes. Despite requesting the cancellation of the due date change, the due date change of the XXXX is still active and Lending Club online payment portal is requesting for me to make two payment 's, one for XX/XX/XXXX and one for XX/XX/XXXX. The purpose of this due date change was for me to act in good faith of making on time payment 's to Lending Club. As expressed on my call on XX/XX/XXXX, my current pay schedule does not allow for me to make payments on the XXXX of each month. I spoke with a second representative on XX/XX/XXXX that advised me of the same requirement of having to make two payments in the same month. Lending Club responded to my initial CFPB Complaint filed on XX/XX/XXXX, acknowledging that the information I received was incorrect but my concern is how many consumers has Lending Club not allowed to change their due date and inadvertently reported late to Credit Bureaus because of this incorrect information. If the information is found NOT to be true, then why is it causally rehearsed as a Guideline and asked of the Consumer to acknowledge when attempting to make the due date change? Lending Club billing practices are subject too much scrutiny and will be reported to the Attorney General following this complaint. 

Please note another attempt was made to cancel the due date change on a subsequent followup call XX/XX/XXXX and to date, I am still required as per Lending Club 's online payment portal to make two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX Attn : Customer Relations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Unauthorized Hard Inquiry on My Credit Report Dear Sir/Madam of XXXX  XXXX, I hope this letter finds you well. I am writing to address a concerning matter regarding an unauthorized hard inquiry on my credit report, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that XXXX XXXX promptly investigate and remove this inquiry from my credit report. 

Upon reviewing my credit report, I discovered an unauthorized hard inquiry dated XX/XX/2023. I would like to emphasize that I did not authorize this inquiry nor did I have any prior knowledge of it. This unauthorized inquiry not only impacts my credit score but also raises concerns about potential fraudulent activity. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for this inquiry, I believe it is in violation of this provision. 

I kindly request that XXXX XXXX promptly investigate this matter and take appropriate action to remove the unauthorized hard inquiry from my credit report. I also request that you provide me with a written confirmation once the inquiry has been removed. 

Enclosed with this letter, please find a screenshot of my credit report highlighting the unauthorized hard inquiry for your reference. I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, 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 2022-06-14
Company: EQUIFAX, 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 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 XXXX has me at a score around XXXX. 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXXm 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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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 XXXX XXXX  Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: ROBINHOOD MARKETS INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone fraudulently access my digital wallet and transferred a total of {$510.00} ( XXXX transactions in total ) to Robinhood XXXXXXXX XXXX on XX/XX/XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraudulent account reporting on credit report 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.

Fair Credit Reporting Act Section 605B FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days

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 2022-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, 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:
Equifax has placed a false reading in my credit report. Equifax reported that from XX/XX/2020 through XX/XX/2020 I went from a 26 % usage to a 39 % usage on my XXXX  credit card and again that is a false report due to the fact that I have not even used that card in many months. They took my credit score down 11 points. I have not been out of work nor laid off at anytime during this coronavirus Pandemic and  have paid my bills on time or before time and therefore I need this to be investigated. I have proof that I haven't used my XXXX card at all I'm months. I've done so well that the company wants to give me more credit but I have not accepted the offer. Every since I have started looking for a home Equifax have been bothering my credit score in a negative way and I believe that I am being redlined by Equifax.

Company response to consumer: Closed with explanation