BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my accounts has been diligently neglected by Transunion Credit Bureau. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response from them up to this date. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reporting on my Credit Report. Here are the concerned accounts : -- -- -- -- -Chargeoff XXXX XXXX {$0.00} -- -- -- -- -- Late Closed XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : 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 2023-07-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have reached out to Citi Bank two times in the month of XX/XX/2023 to confirm if I have met all the requirements so that I can earn the promotion of XXXX Advantage miles. One representative confirmed earlier in the month that I have completed and met all requirements and that it will take 30 days for my bonus miles to appear in my XXXX XXXX XXXX account. The second representative who I spoke to today also confirmed that I have completed and met all requirements, however they are telling me that I have to wait 90 days. Please help me! No one at Citi Bank seems to be on the same page with accurate information. On my offer letter ( attached ) it clearly states that after I complete and fulfil all requirements that the bonus miles of XXXX Advantage miles will be deposited in 30 days. As of today it has been more than 30 days and still no bonus miles received.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 2022-12-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting a XXXX  XXXX XXXX account and a XXXX XXXX account on my credit report. these accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
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:
Dear CFPB, Wells Fargo has yet to address my previous complaints. There is an instance where a transaction, which is marked as " changed back '' on the merchant interface, has not been credited to my account.

Furthermore, three other cases remain unresolved, despite my numerous attempts to contact them. If Wells Fargo persists in claiming that I did not provide information, I am left with no choice but to play the recorded conversations so they can see whose fault it is. 

This bank, much like XXXX  XXXX XXXX, is in a state of bankruptcy due to utter mismanagement, treating customers as if they were fools.

I am once again requesting supervision over these four dispute cases. I will continue to complain until this matter is resolved! 

Sincerely 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 monetary relief
Consumer complaint received 2023-08-21
Company: ID Analytics, 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: Information is missing that should be on the report

Complaint:
I received credit denial for an auto loan from XXXX XXXX  from a dealership ( XXXX XXXX XXXX XXXX [ App # : XXXX and XXXX XXXX, XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Along with vehicle type, make or model and/or purpose not eligible for financing as my employment is an independent contractor for XXXX XXXX Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXXXXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. XXXX and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this! 

SageStream , LLC is misreporting all of my information to not just auto financing, but insurance and even reporting a citation I received that I have not even gone to court for yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
While reviewing my statements for securing some pay-off figures with the Lender, Santander Bank, I have just discovered that an annual {$50.00} fee has been added into the balance of the loan principal amount due, thereby increasing the ending balance figure. This inflated balance figure is subject to ongoing interest expense ; which has occurred for the duration of my HELOC account with this Bank. This practice has been happening since the loan rewrite in XX/XX/2014. 

The expense of an annual {$50.00} fee and aggregate interest ( a variable figure ) was rolled into the loan amount, which increased my costs to a non-calculated amount. This increase in interest for the inflated amount has benefited Santander for the past four years.

I have notified Santander, with the intent of paying off one portion of this structured loan, but now the amount due, as shown on their statements, has been inflated by the practice described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Its a follow up on pervious case XXXX The case is about a fraud case. USAA responded to me confirmed me that the bank account I sent money to didnt exist at all, so the scammer gave me a wrong number which is a good news to me. From my side XXXX XXXX said the intermediary bank confirmed my money has been sent to USAA bank. If the recipient and information is not correct, the money should be refund to my account, however its a month already, USAA bank didnt response to XXXX XXXX enquiry, nor refund the money to me. So now USAA bank is holding my money. 

Here are the transactions details : XXXX XXXX USD XXXX XXXX XXXX USD XXXX Recipient name. XXXX XXXX XXXX XXXX hope this will help USAA bank to locate the transaction in enquiry and response to XXXX XXXX immediately, and then refund the money to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I hired XXXX XXXX XXXX to handle my debt that I have accumulated over the last 10 years. IQ Data International is one of the accounts they are working on to resolve for me. They continue to call even though I have followed my instructions to have them contact XXXX XXXX XXXX directly. They continue to say that XXXX XXXX XXXX wont work with them. Called again today and said that I'm not registered with XXXX XXXX XXXX and questioned if I'm even paying them. I have repeatedly asked them to not call me and to contact XXXX XXXX XXXX as instructed and they continue to call every 15 days. They have repeatedly threatened me and used vulgar language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
OnXX/XX/XXXXI received checks with my name and address but a incorrect phone number - I called the Bank to let them know I did not open an account with them. The customer service rep that assisted me closed the account and advised me to report this to FTC and to check my credit and check if my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 explanation
Consumer complaint received 2023-02-02
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this claim with CONVERGENT OUTSOURCING 3 times now. This is a fraudulent claim due to identity theft. I filed a police report. Ive never lived in a trailer park, lived in XXXX or surrounding area, nor setup service with XXXX XXXX at the address. I have been a victim of identity theft through a major data breach.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
This complaint is about an unfair debt collection and credit reporting from XXXX. On XX/XX/XXXX, I submitted to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX Ohio XXXX a signed and dated letter with my intent to move out effective XX/XX/XXXX, as suggested to me by their rental office manager ( XXXX ) when I asked about the proper move out procedure I needed to follow since at the time the lease expired over a year prior. I did move out before XX/XX/XXXX as the co-occupant also co-signer on the expired original leasing contract opted to continue to reside at the rental property on a month-to-month basis for another year before moving out. 
While reviewing my credit report for the first time in a while in XXXX of XXXX, I noticed a collection account I had never seen before for an alleged debt in the amount of {$300.00} being collected on by XXXX collection agency. 
Upon my immediate request to XXXX for a validation of the alleged debt in collection also listed on my credit report, I received the attached letter from XXXX dated XX/XX/XXXX. Along with this letter XXXX provided the attached SECURITY DEPOSIT OR STATEMENT SUMMARY document from the original creditor, XXXX XXXX XXXX, XXXX listing a breakdown of an alleged debt in the amount of {$300.00}. This document provided to me by XXXX as proof of the alleged debt from the original creditor also listed my name associated with a mailing address of XXXX XXXX XXXX XXXX, Ohio XXXX. I have never used or seen this address, and it does not belong to me. This has never been my mailing address so if collection notices were sent to this address, I would never have received them. 
The reporting of this debt on my credit report in XXXX of XXXX was done without the XXXX collection agency notifying me of the alleged debt, and of my right to dispute it in accordance with the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have disputed this alleged debt with Experian in XXXX of XXXX and XXXX of XXXX specifically noting the wrong address associated with my name on the SECURITY DEPOSIT OR STATEMENT SUMMARY document from the original creditor, XXXX XXXX XXXX, XXXX listing a breakdown of an alleged debt provided to me by XXXX as verification of the alleged debt.

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 2018-09-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have attempted for months to close my account which this bank compromise my security. I've tried for months, now they are charging me fees. I want this acvount closed and have no apparent route to do so. I can no longer seem to log into my acvount either. The call center are way too sensituve and wait with their finger on the hang up button. They are completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: DISCOVER BANK
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided but one month i missed the date by 2 days becuase i never got the bill in the mail which usually served as a reminder for me but t wasn't even enough to be charged a fee but i noticed that i got a 30 day late put on my report. I tried to talk to the agent because initially they told me it wouldn't be reported late. I tried disputing it with the company because I had paid it only a few days late and i was told it wouldn't be a 30 day late but not had success so i thought i would ask you guys for some help hopefully and for them to give an explanation on why its reporting late when i was told it wouldn't be. I appreciate any assistance you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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:
My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Opened : XX/XX/2018 ( 1 yr, 3 mos ) Account status : Open Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX I am writing to dispute the negative report issued by XXXX  XXXX XXXX  on XX/XX/2018. ( See attached ). They were my landlords. 

I always made my rent payments on time. 

I have a copy of my payment confirmation dated XX/XX/2018, which was my final payment under the lease. 

I have never been contacted by XXXX  XXXX XXXX for collection. 

XXXX  XXXX XXXX will not respond to any of my direct inquiries. 

I reported this issue to the credit reporting agencies and provided them with proof of payment, but they have refused to remove the collection 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 explanation
Consumer complaint received 2019-11-12
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been using a credit card " dental '' from XXXX XXXX XXXX issued via Comenity Bank for the past 18 months. My payment dates is the XX/XX/XXXX of every month. I made the last payment online of {$100.00} to be deducted from my account of the due date. On XX/XX/XXXX I realized that my final payment was due on the XX/XX/XXXX, not the XX/XX/XXXX. I  called and the representative informed me that she could cancel it and I made the payment the same day which I did. I was so eager to make the last payment that instead of me submitting total balance {$100.00}, I submit minimum payment {$27.00}. 
A few days when I checked my account I realized that only the minimum payment was deducted. I immediately contacted them and they told me they would not be able to do anything until the XX/XX/XXXX ( billing cycle period ). I called back and was rudely informed that their is nothing they can do because I was the one using the card and it should be my responsibility that my payments were made. They also informed me that it is in their system that I did make a payment before the due date and it was then cancelled. I am wiling to pay something for the honest mistake but {$340.00} for a honest mistake is too much. 
I have made several calls and written a letter to the dispute center and no one as reach out to me. I have made several attempts to have this issues resolved and to no avail. It's obvious from the reviews I have read that this company does not care about consumers/customers. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information only credit report with transunion to help clear my file. alot of information is invalid. it is hendering my file an stopping me from moving forward. I need everything corrected to clear my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief