BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: CITIBANK, N.A.
State: OK
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:
Booked stay on XXXX for XXXX nights in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. When we got there, the apartment was not clean, specially considering XXXX circumstances and that the host was marked as " Enhanced Clean '' where they are committed to a 5-step enhanced cleaning process. I called the Host and airbnb immediately, per their policy. After exchange of messages, we left the premises and found a hotel. Both the host and airbnb customer services did not respond for hours, leaving our family on our own during XXXXXXXX XXXX  and XXXX day. The host agreed to cancel our reservation and issue a refund, but we were only refunded for the cleaning fee. I followed up with both the host and airbnb and they considered my issue as a " cleanliness over oversight ''. Bottom line is, the host was not prepared to provide the service, she agreed to refund and airbnb did not help. 

Later on, I dusputed this charge with Citi credit card and they did not solve my issue. The truth is, I'm being charged for a service that I didn't receive. I tried contacting them all, but here I am, still wanting to find a resource to get this charged removed. 

The original charge was on XX/XX/2020 for {$1700.00} and I was refunded the cleaning fee for {$270.00}. So there is still the net amount of {$1500.00} that I am wanting to remove from my credit card. I contacted them again and they said I can not reopen a dispute. Please help. Thank you,

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 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Last 2 years ago, I had opened up an account for a debit card at Bank Of America. Everything was working perfectly fine, It was my favorite bank so far other than using XXXX XXXX. I used it for everything, my work checks, purchasing items, sending money, ect. I had it only for couple months. After a few months of using the card, I had went out to a party & lost my whole wallet which it included my Bank of America Card. I didn't realize that i've lost my wallet until few days later, the minute i found out i went onto my BOA app and locked my card immediately. I made an appointment to go in & tell them what happened so i can get a new card replacement. They told me I am no longer & banned from creating any account or getting a card from Bank Of America. The XXXX lady told me that there was a fake check or fraud activity that happened on the account! I told her it was not me and none of it was my actions. I didn't know what was going on. She gave me a number to call and talk to the agents but at that time, i didn't take it too serious and was rushing to just get a card so i can make sure my direct deposit checks was coming in still. I ended up moving on to just stick with my other debit card which is my XXXX XXXX  card. As soon as a i turned XXXX ( which i turned XXXX 4 months ago ) I wanted to apply for a credit card to start building credit .... Every single one of the credit applications had denied me! I got a mail sent home to tell me what was the reason, coming to find out i am on the blacklist. I had no idea this would affect my future. It is unfair to me because I lost the card before i turned XXXX, somebody took advantage of it and used it to try putting in fake checks. Now that i am XXXX and actually have plans ahead of me, i can't even start building my credit because of something that happened 2 years ago that was out of my hands and control!

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 THIS IS A FACTUAL DISPUTE you have collections showing that are only shown by you XXXX AND XXXX SHOW NO COLLECTIONS please update your reportingand remove all collections because you are reporting wrong information documents enclose as 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Improper use of my credit. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: PA
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  account numbers has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 usc 1681 section 602 ( a ) states I have the right to privacy 15 usc 1681 section 604 h section 2 It also states a consumer reporting agencies can not furnish my 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : XXXX XXXX XXXX XXXX Follow-Up Consumer Opt-Out Dispute - Non-Compliance with Written Instructions USPS TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX To Opt-Out of Furnishing Data on my Consumer report for the Following Accounts Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the lack of response from XXXX XXXXXXXX XXXXXXXX XXXX after sending opt-out letters on both XX/XX/XXXX and XX/XX/XXXX, XX/XX/2023. Since then, the company has failed to meet my written instructions, and my consumer information continues to be disclosed without my consent. 

As a Federally protected consumer, I have opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to XXXX XXXX XXXX XXXX XXXX This opt-out request aligns with my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

The ongoing disregard for my explicit opt-out directive is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C 1681, 15 U.S. Code 6801, and 15 U.S. Code 6802. These violations compromise not only my privacy but also my ability to control the disclosure of my personal information.

I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that XXXX XXXX XXXX XXXX takes immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 

**Compensatory Damages : ** In the event that XXXX XXXX XXXX XXXX willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out requests, I reserve the right to seek compensatory damages. I request that XXXX XXXX XXXX XXXX pays a minimum of {$1000.00} for every offense of willful non-compliance. 

The requested remedies are necessary to rectify the harm caused by the ongoing disclosure of my personal information without my consent. I appreciate your swift attention to this matter and request confirmation of the receipt of this dispute. 

I trust that the Consumer Financial Protection Bureau will investigate this situation promptly and take appropriate action to ensure XXXX XXXX XXXX XXXX complies with federal regulations. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
Transunion, Reviewed all my data listed below on my credit report, and listed information is inaccurately & incorrectly being reported on my Transunion credit report. 
I understand that as per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my identification and current address to avoid any delays in your response time. 
Please delete inaccurate inquires listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the cares act that was signed XX/XX/2020 discount was not supposed to report late payments though it did to my credit report bureau I am requesting removal of late payment history due to the cares act that was signed in XX/XX/2020 there is an error in 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 2023-02-28
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alltran Financial has been harassing me with phone calls almost every day. I do not have any defaulted debt so Im not sure why they continue. I have bought a house, numerous vehicles, and received a HELOC. If I had outstanding debt, these things would not be possible. They are attempting to collect a debt that is not mine and I do not want to receive communications from them any longer.

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 2019-03-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has remodeled their website since I created my personal account in order to initiate a freeze. The result is that all my all my old account information was literally discarded, but the freeze was kept in place. After hours of customer support from Equifax I was finally told that I need to create a NEW account in order to access my old account. After close to two months of repeated attempts to create this new account I am repeatedly defeated with the following Equifax server error : " We are temporarily unable to connect to our services Please try again later '' Equifax has remodeled their website since I created my personal account in 2017 in order to initiate a freeze. The result is that all my all my old account information was literally discarded, but the freeze was kept in place. After hours of customer support from Equifax I was finally told that I need to create a NEW account in order to access my old account. After close to two months of repeated attempts to create this new account I am always defeated with the following Equifax server error : " We are temporarily unable to connect to our services Please try again later '' Hours upon hours of time on the phone have resulted with repeated incompetence from their support staff and promises to send me emails with shortcuts and special access in order to complete this project. NONE of those emails have ever arrived and none of them show up in my spam filters. The result is that I now have a freeze that can not be unfrozen. This is problematic in that the Social Security Administration uses, specifically, Equifax in order to authenticate who I am so that I can create an online account with them. SSA can't verify who I am because Equifax has my account frozen. I can't unfreeze my Equifax account because Equifax won't allow me to create an account the will provide me with access to that freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole XXXX points below that shown on my TransUnion credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted TransUnion they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that XXXX XXXX didn't have to mail paperwork for their mistake to carry over. TransUnion has also told me that XXXX XXXX has to fix things on their end. 

I have discovered that XXXX has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that XXXX XXXX blames TransUnion while TransUnion blames XXXX XXXX  and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my 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 2022-04-11
Company: EQUIFAX, INC.
State: OH
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:
Unauthorized Inquries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America shut my card off and closed my account. The funds on the account were transferred back to Arizona DES all with out anyone contacting me. When I call BOA they say o have to speak with DES, when I call DES they state I need to call BOA. Meanwhile its been since XX/XX/XXXX and no progress on getting my XXXX dollars 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was repeatedly overdrafted by wells Fargo when I had an account with them they would restructure my debits to make me overdraft multiple times. I.e. ti would purchase a soda at a gas station on Friday, gas on Saturday and then groceries Sunday which would over draft me they would then restructure those debits so that the groceries came out first and then the next two debits overdraft me twice. I saw there is a lawsuit and I was with them for over 10 years and would like to be a part of it

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 2023-03-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2019, I went into XXXX XXXX XXXX XXXX and signed a paper to release myself off the lease due to separation from my husband and I. I signed a document and was told that I would be removed now they are charging me a debt collection for a broken lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent collection notice to XXXX XXXX, which in turn put it on my credit report. The amount in dispute is {$190.00}. This is less than {$500.00}. And should not be put on my credit report. I talked to Eastern Account Services and was told by XXXX XXXX that I would have to pay a fee to have it disputed. I contacred XXXX XXXX and they stated they would leave it on until paid, even though it is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money was stolen from my account. I called it in immediately to US Bank as fraud. They ensured me it would be taken care of. The money was reimbursed but shortly taken away again. I called back and they told me tit es part of the process and to wait a few more day. I waited a few day and called back to get an update and was told no actions were being made to settle my fraud case. I was lied to by a US Bank employee who said they would make note and send it to the appropriate department. Turns out there were no recent comments on case and nothing was being done. The person I talked to recently guaranteed I would get my money back and I would get an update call soon. I am making this complaint for the untruthfulness of US Bank who thought I would just forget about my money. Still havent been reimbursed for obvious fraud on my account that they also admitted to

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 2023-12-02
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent West Lake Porfolio, who took over US Auto car loans, a copy of my credit report showing the car had been paid off since XX/XX/2022, ( well before they received US AUTO ACCOUNTS ) no response from them after several emails to them explaining such. They have repeatedly called requesting payment and has added the account back to my credit report. Further I told them to stop calling me, for I had an attorney who referred me to you. They repeatedly called me. US AUTO was involved in a lot of fraud being investigated by the TRUSTEES OF THE BANKRUPTCY COURT FOR SUCH. I do not owe this debt, and I would like this matter resolved. W.L.P. is asking for proof that it was paid off. However, it was 2 years ago and US AUTO NVR GAVE ME ANYTHING- just a call stating it was taken care of, and removed from my credit report as they stated they would. This car was stolen, totaled and sold at an auction

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Unauthorized Inquries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief