BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I unfreeze my credit at both XXXX and Transunion on XX/XX/2023, XXXX was able to pull from XXXX but not Transunion, due to my credit file is locked, been trying to call Transunion for the last XXXX hrs, with many call drops, call transfer drops, calls routed to agents that have IT issues, still and find a solution as now XX/XX/2023 XXXX EST.

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 2019-04-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my XXXX XXXX credit card on XXXX XXXX through XXXX  XXXX XXXX, the total amount is {$500.00}. on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill. I contacted XXXX XXXX and told them I already paid the credit during XXXX, and fax them the documents from my XXXX XXXX XXXX account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
so as the fact, I paid the {$500.00} to XXXX XXXX, but they denied they received it. I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of 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 2021-01-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dispute letter was sent XX/XX/XXXX via certified mail USPS for the second time asking Chex Systems Inc to verify this account they have furnished on my report. Chex Systems inc has yet AGAIN failed to provide me with copies of any viable evidence submitted by the BANK account furnished on the report. As I have not heard back from Chex System in over 30 days regarding my notice of dispute dated XX/XX/XXXX I must presume that no proof in fact exists.. I have also made them aware that I have maintained a careful record of my communications with them for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should they continue in their non-compliance. I further reminded them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), theg may be liable for your willful noncompliance.

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 2019-04-08
Company: Credit Bureau Services of Iowa Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has posted a collection to my credit report from Credit Bureau Service of Iowa, a collector for XXXX XXXX in XXXX XXXX, IA. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in 2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with XXXX, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.

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 2023-03-05
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: Investigation took more than 30 days

Complaint:
The following letter was sent over 30 days ago demanding removal of inaccurate and invalidated information on my consumer report. 


Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ( Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: JPMORGAN CHASE & CO.
State: OR
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 have submitted 2 disputes online to remove an account I am not responsible for, did not authorize and has been explicitly outlined in my divorce decree. I disputed the JPMCB credit card opend in XX/XX/XXXX and account - JPMCB CARD SERVICES # XXXX in XXXX and in XXXX. Both times it has not been removed and as of XX/XX/XXXX the account has been updated to show it is a current charge off when it was originally charged off in XXXX by my ex-spouse. It has now affected my credit score by 44 points and I will not be able to purchase a home. JP Morgan Chase has been indifferent and condescending and careless in their innacurate posting and accountbaility of this account and hold me resposnsilbe and reported on my credit when I have zero to do with this card and never authorized them to have my info or place me on this account. 

I need JP Morgan Chase to remove this info immediately from my credit reporting, it is affecting my houseing and livelyhood. Finance companie or banks or any company for that matter should not have this much power and inlfuence in the lives of citizens, in particular when they are not responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CITIBANK, N.A.
State: TX
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:
XXXXdispute filed ; within the week supporting info/receipts provided. 
Citibank repeatedly asked for same documents ( citing ones sent werent legible ) XXXXcompany finally acknowledged receipt of supporting documents XXXXwithout contacting merchant ( XXXX XXXX ) Citibank closes dispute ; says their customer XXXX is responsible for charges. 
During month of XX/XX/XXXX & XX/XX/XXXX I continue following up with Citibank explaining that XXXX has been paid two times for the stay of XX/XX/XXXX. They were prepaid by the primary person who made the reservation & by me the secondary. I submitted additional receipts from the primarys bank. Citibank refuses to accept those receipts & the ones XXXX provided to the primary. ( They also Will NOT accept the receipts XXXX provided to me either, which reversed the charges they erroneously debited to my Citibank credit card. ) Once Citibank closed the dispute they never reopened it despite the fact that they kept requesting additional documentation from me. 
Citibank does not care that XXXX has now been paid twice for this stay of XX/XX/XXXX. I was advised to go to XXXX & have them make the corrections. Citibank will do nothing to rectify/resolve this dispute.

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 2023-11-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I paid a bill on the XXXX XXXX XXXX website as they use this service to pay medical bills. XXXX took the money out of my Chase Bank Account and never paid the provider. They only recently notified me that XXXX was not set up for automatic payments so they claim they sent a paper check, but no paper check was received either. My account at XXXX was never credited and they have still not received payment, I am demanding the return of my money from XXXX. I NOTIFIED CHASE BANK, XXXX XXXX XXXX AND NOW THE CFPB OF THIS SCAM,. 


Transaction details Close transaction details ACH debit - {$25.00} Transaction date XX/XX/2023 Posted date XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete a hard inquiry from Regional Acceptance on XXXX. 

I am requesting the documents to prove that I XXXX XXXX gave Regional Acceptance permissible purpose to obtain my information. 

Regional Acceptance uptained and used my information without my consent according to the consumer law 15 USC 1681Q, Any person who knowing and willfully obtained information on a consumer from a Consumer Reporting Agencies under false pretense shall be fined under title 18.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom this may concern : This credit card company sold this account to credit control a debt collection company.

I made 2 payments to them in the amount of {$170.00} on XX/XX/XXXX, they are still reporting to the credit bureau XXXX as being late every month when this account has been Charged-off and account Closed since XXXX. 

I've disputed this account several times not getting any positive results. 

creditor : Kohls/Capital One XXXX box XXXX XXXX, WI XXXX XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: UT
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 and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX along with XXXX, XXXX and Trans Union is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for 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 explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: MA
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 IN. XXXX ' Acct # 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 explanation
Consumer complaint received 2018-08-01
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was currently paying off a XXXX XXXX XXXX account for a little over 1000.00 I made my first payment and noticed my balance was going down however when I made a second pament I noticed that my balance was no longer going down in fact it was going up when I called and asked about why my balance was not going down the lady on the other end told me they just received an old hospital payment from XXXX XXXX   hospital and they added to my XXXX XXXX XXXX payment arrangement I thought to myself this is not right if I never would have had all my recites I wouldn't have know they tacked on an extra 300 dollars this is misrepresentation of a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was took out m account and I did what was needed they mailed a check so they say and I never received it and the account is permanently suspended and I cant see any information on the account and they have been given me the run around for over a year almost and I talked to the support team on email they keep given pretty much nothing good nor anything useful I proved that my account was not authorized by me but yet they took my money then told me my account was in the negative so they took it and then turned around and said they would send a new one and never did and they kept changing the amount of how much I was owed I just need somone to get my money back and then I also had money that was deposited into that closed account and it got returned but they will not tell me to who or anything just that I need to talk to the sender in total it was well over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2023-11-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On the website of Bloombingdale 's credit card promotion website ( XXXX XXXX XXXX ), it states -- DON'T HAVE A CARD? 
Open a Bloomingdale 's Credit Card and take 20 % off your Bloomingdale 's purchases today and tomorrow ( up to total savings of {$250.00} over the two days ). 

However, after I was approved for the card, the company never sent me any confirmation or instruction regarding how to use the card or the information about the approval since the promotional is only valid for two days ( litrally today and tomorrow once you are approved ). When i called them, they said i would not receive the card until 7-10 days after the approval ( therefore I will not be able to receive the promotion offer ) or i need to go to a store for the promotion. This information never shows on the website or anywhere. This is fraudulent practice.

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 2023-04-03
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:
My name is XXXX 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 reports no consent is fraud.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX account is reporting {$790.00} balance when the balance for two months has been {$300.00}

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2023, I wrote a dispute letter to CRA TransUnion and mailed notification disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via certified mail via USPS, XX/XX/2023. As of XX/XX/2023, I have not received an update or response to my dispute. I checked the CRA 's website but there is not a change to my 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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at 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 2021-01-18
Company: McCarthy, Burgess & Wolff, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To : XXXX  XXXX RE : XXXX & XXXX # XXXX I am writing this letter in response to the letter received from you dated XX/XX/2020, concerning an XXXX account. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you this debt does not belong to me. This debt may be the result of unauthorized charges, therefore I am requesting you to provide me with verification that XXXX conducted a proper investigation, proof of their investigation and the unredacted file they received and used to conclude their decision. I am also requesting validation of the debt as my right under. ( 15 USC 1692g Sec. 809 ( b ) ) I am asking that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you or anyone. You know the drill and I am advising you to act accordingly. 
Your non-compliance with my request could be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Mi. XXXX - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation