BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please see that these fraudulent accounts removed immediately from my credit file.

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 2023-04-03
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170000.00}. Please update this ASAP.

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 2021-06-30
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filed a report with the Federal Trade Commission ( FTC ) for fraud. Following FTC guidelines, I immediately contacted my bank via phone for assistance with recovering {$3900.00}. I informed that the {$3900.00} were with the Citi XXXX service as one transaction of {$1900.00} on XX/XX/XXXX and a second transaction of {$1900.00} on XX/XX/XXXX. I was transferred to the department under which Citi XXXX XXXX is under and and Citi staff. Citi staff assured me that given services were never provided, Citi would post a provisional credit to my account in 10 business days and that after 45-90 business days I would receive final documentation for the report of fraud. I was provided with a reference number for my report. I received a letter from Citi electronically on XX/XX/XXXX assuring my fraud report was received and would be processed. Ten business days passed and the provisional credit did not post as Citi staff had assured on XX/XX/XXXX. I received a second letter from Citi electronically on XX/XX/XXXX ( dated XX/XX/XXXX ) that the {$3900.00} would not be recovered by Citi, contrary to what was communicated and noted on XX/XX/XXXX. The proposed alternative by Citi was followed.

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 2023-04-03
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 want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Balance {$22000.00}, XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX XXXX Balance {$20000.00}

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX {$63000.00}

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 2021-06-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: WA
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, See attached FTC REPORT, Forms of Identity, and utility bill. Remove the following accounts per 605B of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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 XXXX XXXX XXXX XXXX I ordered XXXX boxes of wall panels from XXXX XXXX XXXX for my home office improvement using my Citi Premier credit card, worth {$810.00} total. On that same day, the Merchant XXXX XXXX XXXX XXXX ) sent me XXXX separated automated emails, XXXX email contained my order information and XXXX email contained XXXX tracking numbers XXXX there are 5 XXXX  tracking numbers XXXX so Id assume each XXXX  tracking number is for each box of the wood panels ) From XXXX XXXX XXXX XXXX XXXX XXXX  - Ive been keeping an eye on the XXXX  tracking numbers XXXX but two days, three days, four days later, the tracking numbers never get updated. They still show The delivery date will be provided as soon as possible. I grew concerned whether Im buying products from a legit business or not. So I emailed the Merchant asking for my order status, but no response. I sent a messenger to the Merchants XXXX for which I first learnt about their products advertisement, still no response. 

On XX/XX/ - I filed a dispute with my Cit Premier credit card, because ( 1 ) the XXXX tracking numbers were still showing The delivery date will be provided as soon as possible. in fact, the XXXX tracking numbers still show this same message as of this writing and ( 2 ) there were no response to my inquiries from the Merchant. I also sent an email to the Merchant requesting to cancel my order and get my refund back, stating my concerns above. 

On XX/XX/XXXX XXXX XXXX  - the Merchant, for the first time, replied back to my email saying that my order was being shipped via XXXX but provided no XXXX  tracking number. I replied to the email and again requested to cancel my order. 

On XXXX XXXX XXXX XXXX XXXX  delivered SOMETHING to me, but since I dont have or expect any XXXX tracking number from the Merchant I refused to accept the delivery and asked the XXXX to return whatever in the package back to the sender. 

Fast forward, on XXXX XXXX XXXX  after Citi card refused to refund my money back. I called both XXXX and the Merchant. The XXXX told me ( on the phone ) that the shipper ( aka the Merchant ) instructed them to return the product to somewhere in New Jersey. But the Merchant told me ( on the phone ) that the XXXX should return the product to their business address in XXXX, California. Then the Merchant told me that they would file a claim against XXXX. However, this is none of my business, my business is to get the refund back. 

Today ( XX/XX/ -- after 5 months long ) the Citi Premier card still keep refusing to refund {$810.00} back to me, citing that they have exhausted their investigation and also stated that the Merchant bank refused to refund the money 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 explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
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 was late XX/XX/XXXX2 times. I quick paid XXXX. After that happened I was charge being late every month. I paid over the amount that was due but XXXX still reported me as being late. Moving forward I got a call from a XXXX rep in XXXX and told me they would lower one of my car payments to pay {$410.00}, I paid {$420.00}. XXXX informed me that they would remove the late payments ; but they did not.

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 2021-01-15
Company: Convergent Resources, Inc.
State: AL
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 saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate 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 explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: OH
Product: Credit 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:
I was checking prices of the hotel room through XXXX website and XXXX. The price that XXXX ( rerouted to XXXX ) was showing was slightly less than that of XXXX so I thought I would book directly through them. On the website I needed to provide my billing information prior to seeing what the final cost with taxes and fees. After providing my credit card number the final cost appeared on my screen of {$980.00} and it included over {$300.00} in additional fees from what they showed on their website and from the cost on XXXX. I had expected additional fees but that is excessive. I immediately stopped the transaction, never clicking on the PAY button on the booking site and immediately logged out. Within moments I received an alert that a charge of {$980.00} had been made to my credit card. I immediately reported it as a fraudulent charge to Citi Bank Credit Card and then I immediately called XXXX customer service and explained that I had not completed the booking process so did not intend to accept these charges. No more than 2 minutes had passed since I exited their website. The customer service representative offered to give me a slight discount but no where near the additional {$300.00} + charge that appeared from the original price. After a very lengthly conversation with the representative, and receiving no satisfaction I informed her that I would be disputing it with my credit card company. Their records will show that the room was not used. 
I sent a dispute claim to Visa. They contacted XXXX who denied the dispute so Visa refused to cancel the charges. I contacted Visa a second time informing them that it was a fraudulent charge on my card. They again contacted XXXX who again refused a refund. 
After researching XXXX I am confident that this is not a disputed claim. This is fraud. XXXX is claiming that since they have a no refund policy they will not cancel the transaction. I never gave permission for the charge. I only proceeded far enough in the transaction to see the final price. 
Upon researching XXXX online I see that this type of fraudulent behavior is not atypical for the company with numerous other customers experiencing similar issues. There is also a class action lawsuit with similar fraudulent behavior as what I experienced. XXXX XXXX XXXX  Even though I have shared this information about the fraudulent practices of XXXX with Citi bank Credit card company they continue to side with this unreputable company and refuse to credit me with this charge. 
I was very surprised that Citi did not support me in this event.

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 2022-10-12
Company: EQUIFAX, 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:
On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2021-06-30
Company: OneMain Finance Corporation
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2021 in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sepreme Court # XXXX sent letter saying I owe a debt and his law firm was the collecting agency for One Main financial LLC. Both entities and company are in violation of Consumer Rights and 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Universal Account Servicing, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I filed a Complaint against XXXX, which serviced the loan for XXXX XXXX. They transferred my loan to Universal Account Services, requesting the incorrect loan amount for two months. I will have to pay it with my credit card, or my credit will be ruined, and my credit is good. I was not 30 days late on my payment, but Universal Account Services has me paying for two months in XXXX, and I was not behind on my charges. I was not 30 days past due. I spent every month. It may have been on the XXXX to later but never 30 days past due. I had a XXXX XXXX at XXXX  in XXXX, NC, XXXX, who negotiated my downpayment of {$500.00} to be refunded to my credit card company at XXXX XXXX. Still, the agreement for a full and complete refund fell through, and my account was transferred from XXXX to Universal. I am a senior, age XXXX, raising my young granddaughter, an orphan. This is beyond stress, and having survived XXXX and dealing with XXXX  is a lot. How do you transfer a fraudulent loan in less than 30 days?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been paying my loan since XXXX in the original amount of {$20000.00}. Most of the money I pay goes to the high interest rates which are non-negotiable ( or so it seems that way ). The loan amount was brought down in XXXX of XXXX for {$10000.00} and in XX/XX/XXXX they threw in the capitalized interest of {$1100.00} which brought the total amount to {$11000.00}. The loan was only reduced because I had to dropout of school since I couldn't afford it. Sallie Mae sold the loan to Navient on XX/XX/XXXX for {$9500.00} and I've gotten it down to {$5600.00} since then. What I have paid in the lifetime of this loan so far is {$16000.00} ( Not the exact amount ) which comes out to the lender gaining about {$5000.00} on interest alone. The total amount of what I have paid so far is worth more than what the total original amount was that I was being charged and even the amount when it was sold to Navient. I have tried several attempts every year to call Navient and get a lower interest rate so I could actually make a dent in the loan amount but the answer I always get is that they can't do anything for me because it's a private loan. The only thing they can do is put me into default which will allow me to financially recover for a bit but the interest would continue to accumulate. I've paid more than necessary every single month yet the interest keeps going up and no matter how much I beg to have them work with me, it doesn't change a thing. I went to school when I was XXXX, I'm XXXX now with a family and have debt that is much more important to manage than this private loan yet I can't seem to get anyone at Navient to help me out. The lenders are the same with their unwillingness to work with people even if we're trying to do the right thing and repay them. I've gone from 10 % to 12 % interest in the last year alone and I am starting to pay {$300.00} a month yet I see only a small difference in the principal balance. It's disappointing that people who are trying to get an education in order to have better lives can't seem to do so without carrying the weight with them the rest of their lives.

Company response to consumer: Closed with explanation