BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm writing to formally dispute the veracity of a few facts in the credit report your office recently provided. I have carefully examined this report, and I've found a number of mistakes and inaccuracies that could harm my credit reputation.

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 608 and 611, which give me the right to ask for a thorough investigation to confirm the accuracy of the data in my credit report. The FCRA requires a thorough investigation into the disputed items, so I formally request that it be done by your office.

I respectfully request a written acknowledgement of this dispute letter and regular updates on the progress of the ongoing investigation, to be given within the legally required thirty-day window, in accordance with FCRA guidelines . In accordance with section 611 of the FCRA, I also anticipate getting a free copy of the updated credit report that clearly outlines any changes made.

I fervently hope that this matter will be handled with the utmost seriousness and that the investigation will be carried out in an objective and thorough manner, strictly adhering to the rules established by the Federal Trade Commission ( FTC ) for protecting consumer rights.

I want to thank you for taking the time to look into this urgent matter, and I have faith that the disputed items will be quickly resolved in a way that preserves the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
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:
Citi AAdvantage charge me with XXXX XXXX ticket amounting to {$770.00} each for 4 persons last XXXX XXXX. This is a new credit card for me which I used for the first time to purchase airline tickets but when I used it, the card got declined, so, what I did was to use another credit card which was my American Express card and with that I was able to purchase the airline tickets that I want. Citi sent me an email that my card was declined they couldn't process the charge because I've met my temporary spend limit. Then, after a month Citi sent me a bill amounting to {$2700.00} which is equivalent to the 4 tickets that was declined in the first place. I called them and they instructed me to file a dispute which I did filed back in XX/XX/2023, every month they would send me a bill but by XXXX they deducted the amount of 2 tickets only. So I followed up with them again as to why only 2 tickets was credited and not all 4, they said they will follow up with XXXX XXXX. The last time I called to follow up was this month because aside from the bill each month their account section is also calling me everyday, I told them to coordinate with dispute department about this because it's affecting my credit score but until now I haven't heard of their response, it's frustrating because it's been 6 mos already and this haven't been settled yet.

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 2023-01-27
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Did a Modification loan in XXXX with XXXX. The first one they did in XX/XX/XXXX they raised the payments about a XXXX more than the the original XXXX. I made that payment in good faith. They had to go back and redo the loan. At the time the balance was XXXX..0n XX/XX/XXXX XXXX was wavied.. the share wavied XXXX on XX/XX/XXXX of shared wavied XXXX. XXXX XXXX took over the loan servicing in XXXX XXXX XXXX bought it in XXXX at XXXX. With XXXX Waived XXXX They took the Wavied and turn into Defferred ... because they say payments was late in XXXX the modification was 2 years not XXXX and have been charged so many fees it's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
HELLO TO WHOM IT MAY CONCERN IM REACHING OUT ABOUT ENHANCED RECOVERY BETTER KNOWN AS T-MOBILE THEY KEEP CALLING MY PHONE EVERY DAY FROM DIFFERENT NUMBERS DEMANDING PAYMENTS WHEN THIS ACCOUNT WAS NEVER USED BACK IN XXXX I WAS TOLD IT WAS SOLD TO A DEBT COLLECTOR AND WAS REOPENED BACK IN XX/XX/XXXX THE DEBT COLLECTOR WAS VERY RUDE AND USED PROFANITY WITH ME I DIDNT GET HIS NAME AND THEY ALSO LEAVE VOICEMAILS WITH NO NAME SAYING THAT THEY ARE A DEBT COLLECTOR AND TO RESPOND BACK TO THE CALL OR I WILL HAVE A CHARGE FILED AGAINST ME.I ALSO WAS TOLD THAT IT WILL BE OPEN UNTIL XXXX WITCH IS INACCURATE AND THEY INSIST ON KEEP HITTING MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Ivisited capital one website to see their offeres on credit cards they told me to electronically sign to proceed after doing that they told me i was declined. I didnt want to get prequalifiedci just wanted offers they mislead me now my credit score went down 17 points i want it restored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions Inc.
State: CA
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 my credit report there is a debt to a company that I do not owe money to. I have queried the debt with experian and they have not removed the debt nor have they shown me any evidence that I ever owed this company any money. They were supposed to investigate the matter with the debt collection company but I've seen no evidence that any such investigation was completed nor have I seen the results of the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 Capital one has violated my rights on XX/XX/2019 for the amount of XXXX dollars. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Capital One did not take this procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Signed up for a ( Free ) credit report from transunion. Nowhere on their page does is it readily apparant there would be a recurring fee of XXXX $ monthly. I noticed the charge immediately and contacted them as soon as they opening at XXXX. Only to receive absolutely no help whatsoever. I'm now in the process of trying to contact my bank to dispute the charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX 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
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Request for Removal of Hard Inquiries from XXXX XXXX I am writing to seek assistance regarding the removal of XXXX hard inquiries from my credit profile. I recently reviewed my credit report and noticed these inquiries, which I believe are unjustified and potentially impacting my creditworthiness. 

First and foremost, I would like to express my appreciation for the valuable work that the Consumer Financial Protection Bureau ( CFPB ) does in safeguarding consumer rights and promoting fair practices within the financial industry. I am confident that with your guidance and expertise, we can address and resolve this matter efficiently. 

The hard inquiries in question are as follows : BANK OF AMERICA ( Bank ) XX/XX/2022 BANK OF AMERICA ( Bank ) XX/XX/2022 I am requesting the removal of these inquiries from my credit profile due to the following reasons : Lack of Authorization : I have not provided authorization to these companies to access my credit information. Therefore, these inquiries were made without my consent, and their presence on my credit report is unwarranted. 
Inaccurate Reporting : Upon careful review, I have determined that some of these inquiries have been inaccurately reported. The information provided by the companies may not be reflective of my credit-seeking behavior, and therefore, these inquiries should not be considered legitimate. 
Potential Identity Theft : Considering that I have not initiated any credit applications with the mentioned companies, these inquiries may be indicative of fraudulent activity or potential identity theft. I urge the CFPB to investigate these inquiries further to ensure the security and integrity of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The lender unjustifiably denied credit application on the grounds that the lender could not verify the income, although, all the documents were submitted well in time.

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 2023-01-27
Company: AMERICAN EXPRESS COMPANY
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2022, my credit card balance doubled in size due to an unexpected charge from XXXX  and XXXX XXXX. I had previously stayed at this resort in XXXX of 2022, however ; I had prepurchased my trip through XXXX XXXX  in XXXX 2022. The trip was all-inclusive. As such, the trip included airfare, shuttle, lodging and meals. Nevertheless, American Express allowed XXXX  and XXXX  to successfully process a charge on my credit card months after my visit without my authorization and no documented evidence or expressed consent of this charge. 

When I disputed this charge, AMEX requested that I show documentation of me previously paying for this trip, in which I did. They also further reviewed and noticed that the resort had previously credited my account, and I explained that I serious hospitality issues ( discriminatory allegations ) with the resort while on my vacation, in which they compensated me for my stay. AMEX noticed a debit of {$150.00} from my card while at the resort, in which I DID authorize, because I wanted to upgrade my room while at the resort from the XXXX XXXX to the XXXX XXXX ( {$50.00} per night surcharge ). However, AMEX never overturned the $ XXXX charge that was made against my credit card in XX/XX/2022. 

Throughout the dispute process, I was extremely frustrated as I could not fully understand my case XXXX, and vice versa, the case XXXX was speaking highly technical seemly to place this issue on me. It does not make sense why would AMEX allow a cardholder to be charged something under such circumstances previously communicated and without proof of authorization. Further, I purchase this trip in the XXXX. All incidentals ( i.e. {$150.00} room upgrade ) were paid for while at the XXXX. 

Why would AMEX allow another business, a non-US business to predatorily charge my account, doubling the balance blindly without warning, without notification and/or without research on AMEX 's part onto a long-standing customer 's account? This charge was out of my customer risk profile and purchasing habits, and should have triggered preventative fraud controls before this charge ever reached my credit card. To make matters worse, AMEX was wanting me to reach out to the merchant to ascertain the charge? Shouldn't this be AMEX 's responsibility as part of dispute? Months later, months after my stay and the incident. I left the hotel with no business card, no direct number, and no incident report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The TransUnion credit reporting service has been found to have made false claims regarding their direct communication with the courthouse over an extended period of time. Furthermore, they have failed to rectify the presence of inaccurate and non-relevant material on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: Albert Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Albert Cash card sent in postal mail to my name/address - I did not apply or ask for this. Issued by XXXX XXXX  Card has XXXX logo, chip, card number/cvv, etc. 

Card received in mail on XX/XX/2022. 

No information, no disclosures, not contact info, nothing... 
Never applied for or asked for. 

No response from issuing back or albert.com website contact. ( found via XXXX search - and numerous XXXX and other reports of fraud by this vendor. )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My complaint is with Synchrony Bank. I have been harassed by early morning calls and calls 7 days a week including at XXXX XXXX today. It's well more than 7 calls in a 7 day period. I have blocked the number at this point to try to stop the harassment but I still get woken up frequently by the voicemail notifications. I was called literally every day from XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, etc. They have been doing this for at least 3 years. 

XX/XX/XXXX : XXXXXXXX XXXX 
XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXXXXXX XXXX I can provide a LOT more including other violations of the 7 calls in 7 days rule.

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 2022-05-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX : On XX/XX/22, I called CitiBank to request a line of credit/credit card. I was asked if I wanted the BestBuy logo or the CitiBank logo on my new credit card. I asked multiple times what the difference was. The agent told me there was no difference. I asked multiple times if this card could be used anywhere outside of Best Buy and was repeatedly told " yes, this is a CitiBank credit card. '' On XX/XX/22, I received the credit card. It does not say CitiBank anywhere on the card, only BestBuy. When I attempted to enter it into a phone application as a method of payment, it was not recognized. There was no XXXX logo on the front of the card. I, then, called CitiBank 's credit card customer service number and spoke with another agent. This agent informed me that I had taken out a line of credit for {$2000.00} that was only for use with Best Buy. I informed the agent that my verbal consents to the agreement, when agreeing to receiving the card, were made to agree to a standard CitiBank credit card, not an in-store only Best Buy card and that the agent who completed the agreement with me via the phone on XX/XX/22 was deceitful in telling me this was a regular credit card and that they would have this call recorded. I requested a replacement card for the card I had originally agreed to and was told by this agent that would not be possible. I then requested to speak with the management team. Once on the phone with CitiBank 's management team, I informed the female agent of the situation and requested that the credit card I verbally agreed to on a recorded line be issued to me ; I never agreed to this type of line of credit. The agent reported all I could do was close this card, which has a balance, and wait 1 week to apply for their XXXX card. Otherwise, there was nothing she could do and I am left with a line of credit that I did not agree to and she would note my complaint. The agent also stated that nothing would be done to correct this deceptive tactic and provide me the card I agreed to. This card was issued using deceptive practices, I do not need a line of credit for {$2000.00} for Best Buy, nor would I ever have agreed to these terms, and this was not the product I legally agreed to via verbal contract on a recorded line.

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