BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My business was recently lost in a major flooding event in XXXX County,  CA on XX/XX/XXXX. It was declared a state of emergency by Governor XXXX, and is being assessed as a natural disaster by FEMA. Since it has not yet been assessed as so and might not considering the rural nature, Citibank Visa XXXX Card will not recognize what I am going through as such. That being said, I have been reaching out to them since XX/XX/XXXX to try and get a late charge reversed but since I had one reversed back in XX/XX/XXXX and their " company policy '' won't allow that, they will not help me. I've escalated the call and asked to speak with a supervisor who called me back 2 days later and I was again unsatisfied by their unfair treatment of my situation, as I explained I have no income and would like to work out a payment program, but feel it would only be fair to remove the late fee. Once again, I was escalated to their supervisor who was supposed to call me within 2 more days and never received a call. So, I tried calling from the bottom of the totem pole again today XX/XX/XXXX as I am doing my best to resolve this situation and another late fee has accrued since they've not been responsive. Much to my disappointment I waited on hold for nearly 20 minutes before they told me nobody was available and someone would call me back in 2 days. I am not sure what else to do. I've explained my situation ... I have NO income and wish to make some kind of arrangement with reasonable monthly payments, but they aren't willing to work with me and keep dragging it out so that I have even more late fees that they refuse to reverse. I am feeling very abused and I'm already in trauma after losing my small business just 3 weeks ago and doing my best to take care of all loans, creditors and vendor relations. I could really use some assistance with this company please. I've been able to make arrangements with other entities, but they're being very difficult and uncooperative iwht my efforts to find a fair resolution.

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 2022-07-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX at XXXX, I received a missed call from number XXXX. I returned the call and someone by the name of XXXX XXXX answered. She advised she was looking for me. She stated my DOB without disclosing what the nature of the call was for. I called back again and spoke with XXXX XXXX and she asked if I knew the person they were calling for. I advised yes but I never confirmed I was the right person. The lady then disclosed my SS # and other personal information saying they will notify the state of a pending legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
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 is missing that should be on the report

Complaint:
I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX  ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.

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 2023-08-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This CFPB complaint was a follow up just for assurance that the Experian, XXXX and XXXX Credit Bureaus will not be negligent and will know that this topic was urgent. As I can tell that someone has stolen my identity. I filed a formal report to the FTC, and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint and will do it again. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CHILD SUPPORT XXXX XXXX Balance {$0.00} CHILD SUPPORT XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXXXXXX 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 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 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 2020-04-20
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX dollars was deposited into Pnc bank. The deposit was endorsed pay to the order of Pnc bank without recourse On XX/XX/2020. Pnc accepted the deposit and gave a receipt. The deposit posted to the account ( collected ) ledger balance on XXXX. The balance was not made available. It was showing on ledger but never made available. It was withdrawn out of the account without permission along with an additional {>= $XXXX}. They stole my money without permission. Closed the account and locked me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
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 2022-07-14
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
About a year ago I disputed a debt from XXXX XXXX and had it removed from collections then it popped back up a few months ago. I just got off the phone w the debt collectors and he advised me to report fraud as there is an address linked to that XXXX account I never heard of or resided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: IL
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:
Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, Experian responded regarding a previous complaint with the CFPB that there is an unauthorized third party which is false. On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX XXXX XXXX XXXX Account for {$150.00}. 

The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Experian Credit Report in XXXX of XXXX. XXXX has removed this account in its entirety and XXXX  is currently under dispute. 

I contacted Experian on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. Experian sent me an alert on XX/XX/XXXX informing me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. Again, l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
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. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 U.S. DEPARTMENT OF EDUCATION : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have five fraudulent inquiries appearing on 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

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 2022-07-14
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a resubmission of a previous complain that WAS NOT RESOLVED. The previous complaint was erroneously marked as a duplicate. 

I had a past due balance with Ally Bank that is on my XXXX report. The account has been paid off. 

I mailed in money orders totalling {$1900.00} on XX/XX/22 and they were deposited by Ally Bank on XX/XX/22. I checked my XXXX report on XXXX and it is still showing that I owe {$1900.00}. 

Please see the attached file showing proof of payment and negotiation by Ally Bank. 

I checked my XXXX report again on XX/XX/22 and the incorrect information is still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo charged my checking account {$35.00} for overdraft fee when there was sufficient funds in the account to cover the check. This occurred on XXXX XXXX, 2016. The check was cashed and not returned to the payee because of insufficient funds.

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 2023-08-10
Company: Experian Information Solutions 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$590.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX BalanceOwed : {$1700.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter XX/XX/2018 from a debt collector on behalf I guess XXXX XXXX XXXX XXXX. I guess the debt collector is TransWorld Systems Inc. First time received about a debt costing {$330.00}. I have been reporting fraud to my bank services XXXX XXXX and XXXX XXXX about fraudulent claims. Unaware about XXXX  services costing {$330.00}. This statement or charge, Im claiming is fraud or possible fraudulent claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
U.S. bank closed my checking account for two reasons, one check missing signature and one insufficient fund. I've proof that one of the two companies paid me the same amount by check and the other XXXX to my account later. 
In the process of contacting U.S. Bank, they told me they will hold my money for three years. 
U.S. bank found no proof of fraud, but they closed my account and hold my money anyway.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Wouldn't help me to verify inquiries

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 2022-07-14
Company: TD BANK US HOLDING COMPANY
State: UT
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation