BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information ( XXXXXXXX XXXX XXXX ) to any XXXX  nonaffiliates per XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX. Also per XXXX publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.

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 2023-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I booked and purchased XXXX round trip tickets from XXXX to XXXX via XXXX XXXX. Upon completing the transaction, I immediately realized that I'd made an error and laptop had auto filled my first name incorrectly. I immediately contacted XXXX XXXX to make a correction ( their website states that corrections are allowed ). The representative informed that she could not correct the simple error and informed that she'd cancelled the tickets and that I'd receive a refund within 10-15 days due to me contacting within 24 hours. I asked for a credit, another solution but rep cancelled everything. I then went to my Citibank app and disputed the charges equally {$4800.00}. 

I followed up within days to explain the situation to Citibank and they informed that I'd need to break down each individual charge and they credited the charges and assured me that they'd begin the investigation. Numerous times I contacted and submitted information that I was asked for, however, Citibank continued to take XXXX 's side and expect documentation from XXXX via me informing that they'd promised me a refund, however, I'd explain again and again that XXXX refused to put anything in writing and I could only send snapshots of the conversations via XXXX XXXX and submit the information that name changes were allowed via their website. 

After approximately, a month or so, Citibank informed that they had completed their investigation, sided with XXXX and reversed the charges. I've filed complaints, spoken with XXXX from their executive complaint department and continue to get the run around. 

Now XXXX has sent me a letter alleging ( as they have numerous times ) that Citibank was given the refund thus a credit and that I need to contact them. Furthermore, XXXX also sent me a notification that they will give me a refund or credit if Citibank gives me a written statement that the dispute is finished, that I've been charged, and am paying the amount. I once again forwarded this to Citibank, spoke to XXXX in the executive office who informed that she'd assist and send me a statement and yet again, I've received nothing. 

In speaking to others, they've shared in these instances that their money has been refunded or credited to them by the credit card until the dispute has been " thoroughly '' investigated. I feel that this was not done and the blame was put on me. There was never an explanation as to why my disputed charges were allowed to be paid to XXXX. Why after being a customer for over twenty years, has Citibank not absorbed some of the funds and demanded that XXXX credit me?

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 2023-08-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my XXXX and XXXX credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my XXXX and XXXX credit reports. 

-My line of credit was not {$600.00}, it was {$800.00}. 

-My highest balance was not {$410.00}. 

-Status updated can not both be XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( XXXX XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX  XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.

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 2022-05-18
Company: MARINER FINANCE, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my personal loan on XX/XX/XXXX I then went to XXXX 3x to get Mariner Finance to update my tradeline with XXXX and each time they cam back account has balance and still open. I called Creditor Mariner Finance @ XXXX to verify my account and they stated yes its closed and paid in full however we don't update any information until the next month. I said you are providing incorrect information to the credit bureau then. My account has been paid off since XX/XX/XXXX today is XX/XX/XXXX and the 3rd dispute has just been finished with XXXX and they are reporting acct still open and with a balance. When I asked mariner to send me something in writing I was told they can't the local branch will have to do it. This is unfair my acct is not still open nor does it have a balance and the simple fact that they are reporting fraudulent information to my credit report is a problem Mariner Finance acct # XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2023-06-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have no knowledge of this dept. there is a court date for XX/XX/XXXX. Old debt apparently bought by a debt collector. Im a victim of identity theft XXXX XXXX had a breech & XXXX had a breech. Also they sent someone to my home and left the court notice at the door. Debt is from XXXX. Why should I have to pay for this if to a company I do not know ( Midland credit company ) discharged/wrote off the debt to a debt collector when I never signed a contract with them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I XXXX XXXX requested to dispute these items on this list. On XX/XX/2022 I sent out letters to these companies to file disputes. Not only I have file a dispute on these items previously and nothing have been done. I will attempt to send another letter to them to file a dispute on these items. It seems like they open them and close them with out being reviewed with the supporting documents.

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 2022-12-31
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I believe it was around XX/XX/2021 upon entering title loan just asking for a {$800.00} loan they said I was approved for a {$1400.00} loan with payments of 220 something dollars a month so I was excited and said to XXXX cool I can pay that off Within four or five months and they were like yes I believe they take advantage of the less unfortunate people I got stuck paying 220 something a month which nothing went towards the vehicle to reduce the loan that I got when I realize the loan was still around the same amount and just kept accumulating it was already too late hi was late a few days past 30 days and they repo my car which cost me over 600 something dollars just to get it back and then continue paying my loan of 220 something dollars there is so many people going in there and not realizing what theyre signing this company is popping up everywhere I was finally able to pay off the loan after a year and a half of struggling loss my home I was renting got evicted and up in the streets it was a struggling battle just to get that amount but I lost everything and my stuff is in storage still to this day Im only writing because this company needs to be investigated and how they proceed and get people to be approved easily by signing the most valuable assets away I am making you guys aware so that way they can hopefully get me out of this financial ruins I am willing to take this information to the news broadcast it plays XXXX XXXX whatever have to do to let the less unfortunate people out there like myself dont get caught up with this scam this life this place it was a struggling battle I almost lost everything my means of transportation as well but that was the only thing I was able to save I got evicted I lost everything I have nothing Im trying to bring myself back up This company has extremely profit from me and Im sure others out there as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had already closed this account for a long time. I called them and telling them to call it. but I did not realize the account was overdrawn me {$710.00} for no reason then now I couldn't open new account.please help me.

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 2023-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023, I hired a HVAC installer named XXXX XXXX through Home Depot to purchase and install heater. They offered to do the job at {$8000.00} with 24 months interest free financing offer. I took the offer as 24 month interest-free means additional 10 % discount given 5 % risk free rate. 

After the job is done, within a month, Home Depot sent out a credit card statement saying that I have a monthly payment due. I believe that was late XXXX. I immediately called the number at the statement, which turned out to be Citi 's credit card department. I let them know that I signed up for 24 month interest free promotional offer, and the agent confirmed the offer. I made sure that this is not an installment payment, but bullet payment without any interest as long as I pay the full amount in 24 months, which the agent agreed. 

However, with a month they sent out another statement in XXXX stating that I have a monthly payment due again. So, I called them again in the third week of XXXX, and made sure that I don't have any payment due, which the agent agreed again. I demanded written confirmation, and the company sent out a letter stating that this is a 24 month promotional offer, but didn't mention anything about monthly payment. 

Yesterday, on XX/XX/XXXX, I found another statement saying that I have a balance due with a late fee. I called again, and now they are saying that I have a minimum monthly payment due each month. I complained about their misleading statement and demanded them to listen to the previous conversation. An account manager listened to the files and admitted that their explanation was indeed misleading and not clear. They offered to waive fee but still asked for minimum payment, and I offered to pay for it as the account manager said there is nothing she can do to prevent minimum monthly payment.

Throughout the entire process, Citi 's explanation was at best confusing and misleading. I don't think Citi or Home Depot should have taken such misleading offers to the customers. They didn't send any contract nor disclosed any expected monthly minimum payment before sending out statements, and even after receiving the statement, they failed to mention that there is a minimum monthly payment needed. 

I urge CFPB to crackdown on such misleading offer because I would not have taken the entire offer knowing that this is not 24 month interest free as they promoted.

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 2023-10-23
Company: SYNCHRONY FINANCIAL
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created a high yield savings account with Synchrony Bank because of the interest rate. I transferred {$13000.00} and {$2000.00} into the new account. Following those transactions, synchrony bank restricted the account and then blocked my internet access. I called Synchrony Bank to find out what was wrong, but they stated their back office is looking into it and will get back to me in 2 to 3 business days. It's been longer than the days specified by Synchrony Bank, and my account is still locked and under review, retaining my {$15000.00}. This is incredibly terrible service from Synchrony Bank and very unacceptable. The account I just opened is already giving me hassles and making me run around for my money.

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 2022-12-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Its hard inquiries on all three bureaus that I dont recognize. Its been 90 days since the last time I tried. I need these off so I can further my credit journey.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Unifin Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX contacted me to state that I had opened an account under my XXXX name ( XXXX ) at an address close to one I had lived in years before-but not the exact address. I have been using my married name for over 13 years and the account was opened after I was married and using the name XXXX. I told XXXX I did not open the account and told them that the address was incorrect as well as in my maiden name. I was told it was all set however I have recently received letters from Unifin collection agency stating that they bought the XXXX debt and were looking to collect. I told them the same information and asked them to verify the account. The original account was never put on my credit report, nor has the current account, yet. 
This account was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: CT
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX 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 2022-05-18
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
CBNA XXXX XXXX DPT EDXXXX XX/XX/22 RE. We have disputed these accounts.

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 2019-06-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f  ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation