BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: CITIBANK, N.A.
State: AZ
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/2020, a reservation was made with XXXX XXXX XXXX XXXX XXXX for {$700.00} XXXX showed up on my statement as being charged TWO times ( duplicate charge ). I disputed as a duplicate charge, and I received a credit. 

On XX/XX/2020, a representative from the resort called to advise the resort would not be open during my travel dates due to COVID. I could request new dates of travel or receive a refund. I requested a refund. XXXX advised it would take up to 30 days. 

30 plus days later, I contacted XXXX and they claim them refunded me in XXXX. I explained the duplicate charge was returned, the original charge needs to be refunded. XXXX and Citi are both refusing to refund me. 

The credit card statement on XX/XX/2020, clearly reflects two charges for XXXX XXXX XXXX XXXX XXXX in the amount of {$700.00} XXXX submitted documents reflecting the credit for one charge which was the duplicate charge. 

Citi has told me there is nothing further they can do for me as XXXX will no longer respond to them. 

I would like my {$700.00} returned to 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 2021-04-24
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been divorced from my ex wife for 13 years now and have XXXX daughters with her. My ex wife husband adopted my kids so i no longer have any rights or guardianship with them. I agreed and signed adoption papers i want to say at least 7 years now. I recently checked my credit report and my ex wife used my information to be billed for a sleep wake company for our daughter without my consent. I am now in collections to pay {$92.00} dollars for the first accout opened in XXXX and {$1000.00} on the second accout opened in XXXX. I am not responsible for anything that pertains to my children with her because of the adoption and having no legal rights to make decisions on there behalf nor i consent to. My credit have been drastically affected by this debt. Ive been having trouble getting approved or open any accounts that i wish because of one of these debts. I would like to take legal action because its put an effect on my life and credit. I hope im writing to the right department and i can get some help about this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update/remove the Address, Names, Employer information. Please see attached document with details.

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 2023-07-04
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX TD Auto finance ran my credit with out my authorization and it hit my credit score hard. I have reached out to TD Auto finance by mail about this issue twice and there was no responses from TD Auto Finance I mailed out dispute letters on XX/XX/XXXX and XX/XX/XXXX. The phone number that is reported on the credit report for this company is disconnected. I had to XXXX the company number and reach out to them and left several voicemail and no one contacted me back about this matter. I have giving them plenty of time to get this issue resolved. And I just want to have this inquiry taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Exeter finance is and has been in violation of several Truth in Lending Act laws as well as Federal Debit Collection Practice Act. I have made them aware in several complaints of these violations on XXXX XXXX and XXXX XXXX via this Consumer Financial Protection Bureau site. Exeter was also notified that my right to rescind pursuant to 15 USC 1635 ( a ) was withheld from me during the Consumer Credit Transaction, therefore, on XX/XX/2021 I exercised my right of Rescission and according to FEDERAL LAW 15 USC 1635 ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. And lastly my personal property was STOLEN via an unauthorized third ( XXXX ) and fourth ( XXXX XXXX XXXX ) party that were not witness to the Consumer Credit Transaction but instructed by Exeter to steal my personal property from my abode infringing upon my right to privacy. I am the original creditor I gave Exeter credit with my signature on the negotiable instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$5000.00}.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX  - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from 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 2021-04-16
Company: BARCLAYS BANK DELAWARE
State: AL
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:
XX/XX/2021 XXXXXXXX XXXX  I can not obtain my account number from the credit card company. In order to login to my account and close my account, compare balance to payments, and general access. They send my statements electronically online but I can't access the online portal without my account number. The card has been destroyed and when discussing with the representative they stated that they would mail me a statement with my full account number. This was a lie. The statement mailed did not include my full account number. 

They closed my account after I paid the remaining balance but then I received another notice of an amount due. I have no idea where this amount came from.

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 2023-01-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX. The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion removed it from my report and than added it back I never had a repo on my credit report and I have never even used that company when I got the address from them I went to the location and it was closed down and I told them that they removed it and added it back I need this issue fix this isn't none of my account and the address they have I never lived there

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 2022-01-31
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased an item for XXXX However I paid for this item through Paypal.com I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 
2 weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. 
I contacted the Paypal.com They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over 200 people living in the area practically in the middle of a winter storm ...... 
For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! 
I told paypal this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from paypal. He completely understood where i was coming from but didnt know how else to help me. 
A week later i receive a letter from XXXX XXXX XXXX XXXX ( a debt collector ) about the funds paypal is still trying to make me pay even though i never received the item. 
I have an excellent credit score and refuse to allow paypal to destroy it. 
This complaint is about Paypal for not protecting their buyer and sending this to a debt collector. 
XXXX  for having the driver drop the package off in the middle of the street without obtaining my signature. 
asteriahair.com for not making sure their customer actually received the item that they purchased and lastly XXXX XXXX XXXX XXXX for buying this " debt '' in attempt to ruin my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: SYNCHRONY FINANCIAL
State: GA
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:
We have had a Lowe 's credit account since XX/XX/XXXX and always paid our monthly payments on time. In XX/XX/XXXX we purchased a refrigerator with zero interest if paid off in a certain period of time. Due to health issues, I was only able to pay the minimum due each month. The process was not fully explained at the time of purchase. They did not tell us that the full interest during that time would become due. We were just told we would not have any interest until after that time frame. After the promotion period ended our monthly payment doubled ( compounding interest ) and to add insult to injury they closed my account. I have been a loyal customer with excellent payment history. From that point till now we are paying about {$80.00} each month, only {$30.00} is going to the principle and {$50.00} is going to interest only! I have tried speaking with their credit department and they refuse to work with us to pay this off unless we pay the full balance at one time. They claim the only thing we can do is let it go to collections and then that department would work out a settlement. Ultimately we have to ruin our credit just to settle this account!!! Then on top of it all, we've had several insurance claims against this refrigerator, Lowe 's refused to use their warranty and we had to use our personal home warranty plan plus deductible and we've only had this refrigerator less than three years! 
XXXX model # 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 2021-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In XX/XX/2020 I purchased two tickets for a live show called XXXX XXXX for XXXX from a ticket resale company called XXXX XXXX. The show was originally planned for XX/XX/2020 but was postponed due to COVID. The show has been indefinitely postponed since XX/XX/2020. I have been contacting the ticket resale company for over a year now trying to get money back or any help at all and they said the show was rescheduled for XX/XX/2099. It is their policy that customer may not be refunded unless the show is cancelled. Obviously I will be dead by XXXX which means they are attempting to hold my payment indefinitely without providing the service that I paid for. I have contacted my Capital One multiple times throughout the period that the show has been " postponed '' and they are unwilling or unable to help as well. Apparently when I filed a dispute they claimed they sent me a letter requesting documents to support my case. I never received the letter ( I have paperless statements and correspondence enabled either way, so just email me? ). I didnt respond to the letter because I never received it and the multiple reps I spoke to from capital  one  claim that they upheld their end of the agreement and so I am fully liable to try and get my money back from XXXX XXXX. I try to look them up to go to the office because its near impossible to get a human on the line, and find they are based in XXXX. XXXX that XXXX XXXX is actually a group of Englishmen scalping tickets to houstonians and ripping off customers who want to see a show. I am really just trying to either see the show or get a refund at this point. The theater company has had my payment of {$280.00} since XXXX of XXXX  which is over a year and XXXX live in XXXX still has a TBD date showing on the website and a date of XXXX on the telephone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I contacted Transunion and mentioned that I have unauthorized inquiries on credit report. I actually spoke to a supervisor : XXXX XXXX. 
I was told that these creditors had permissible reason to access for credit file while I stated that they did not. 
He explained that permissible reason was that I gave consent which I have not given, they offered a service I was interested in and they dont, and lastly that they didnt need my written permission if they were associated with someone I had given permission to previously! 
The following creditors : XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/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 2020-01-05
Company: EQUIFAX, 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 fraud and Equifax is illegal helping XXXX XXXX XXXX because XXXX XXXX XXXX invested into Equifax fact. My right are been taken away from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: IL
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 argument is I was at XXXX XXXX and the cashier told me I would save more money with a home depot card would I like to apply. I told her at the moment I didnt have time I would look into it when I got home. So I did once because Im doing some re- modeling in my home. I logged onto the site read the literature and APRs on the card it clearly states on the site The meaning of PREQUALIFY is to qualify as a candidate : to meet the preliminary requirements for something. Quoted directly from the site Dont worry, this wont impact your credit score. I called the rep at the XXXX XXXX number and she clearly assured me that it was a soft pull and now I have a hard pull on my credit profile. 
This is your formal notice to cease your unauthorized hard inquiry into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Citi Bank made on XX/XX/2022 Made with XXXX to my knowledge, I have not signed any documents authorizing your organization to pull my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to the CFPB after your investigation so that I may verify its validity. I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation