BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XXXX XXXX, 2018 I received an email from Citi Bank that they decreased my credit limit! In fact, this impacted and affected my credit score greatly! In the meanwhile, I contacted a representative and I was told that the decrease was due to a credit report change! So I contacted XXXX and they told me that my credit score went up and they could see no reason other than maybe that an account was closed! So I contacted Citi Bank once again and was then told that my account was decrease due to some information from XXXX! I then contacted XXXX once more to be told that they had no control over whether Citi Bank decreased or increased my credit limit! Overall this is affecting my credit score and other creditors from giving me credit! This is unfair and against the fair credit act!

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 2019-08-27
Company: Experian Information Solutions Inc.
State: NJ
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:
I tried tonight Monday XX/XX/2019 since XXXX XXXX ( ET ) to experian customer support number XXXX and put all information they ask before talk to live agent but unable to reached, then I tried XXXX and put all information over the phone SSn, Birthdate, numeric street number but again no option for live agent, then i tried another number XXXX and same thing before put all the information but same outcome as before, then I tried another number XXXX no answer then I tried another number XXXX and put all information but unable to contact live representative. their customer service information according to there website I got this message : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  PT Sat - Sun : XXXX XXXX to XXXX XXXX  PT   According to Pacific time right now XXXX XXXX ( PT ) and My time is XXXX ( ET ) why live representative not available and no option to speak representative any their phone number, I reset my passward and user ID but can not log in their member website so i can order there products.

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 2020-09-11
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, Inc.
State: CO
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:
I recently learned about three derogatory payments with Comenity - NY and CO credit card. After speaking with several people and one today, XX/XX/XXXX, I learned Comenity has a bad address for me and this has impacted my accounts with Victoria Secret and New York and Company. When I spoke with Comenity, they advised me the missed payments are my fault because I never provided them with a good address until XX/XX/XXXX. I did not speak with New York and Company on this date so I am not sure HOW they got an updated address. As of XX/XX/XXXX, even after speaking to several of their representatives, I have logged on to my Victoria Secret account and realized they still have a bad address for my account. As of XX/XX/XXXX, the address listed in the account was XXXX XXXX XXXX XXXX, XXXX   XXXX. The correct address ( which I changed in my VS account ) is XXXX XXXX XXXX XXXX in XXXX, XXXX   XXXX. After reviewing all accounts with Comenity, ( NY & CO, Victoria Secret ), I am realizing my bills and all other correspondance was being sent to the wrong address resulting in non-payment. It appears there are some other issues as well because there were no statements generated from XXXX to XX/XX/XXXX to advise me I had a balance in my NY and CO   account, nor did Comenity make any effort to call me to let me know the status of these accounts were past due. I have confirmed my phone number in both websites is correct and it is. I have excellent credit history. I have also checked for emails from Comenity regarding my victoria Secret account and I did not receive any emails either. Comenity will not provide me any proof of phone calls or attempts to reach out to me and advise me of these past due accounts. 
This has caused hardships on my credit score which was in the high 700  's and now at XXXX. I am also being disqualified for a job with a local police department because of this. I need to get this situation fixed as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 advised TransUnion on several occasions that the information being reported on my credit report is inaccurate and have provided them with proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Over the past few months I have discovered that there were unauthorized cards attached to my account. None of which I received any text alerts regarding the usage and/or activation of these cards. 
In XXXX of 2019 I, I filed a complaint with the credit bureaus in regards to identity and fruadalent activity on my reports in addition to contacting Netspend and cancelling the account and card. Only to recently discover that the accounts nor cards were cancelled. 
In XXXX of this year, I came across atm withdrawals that we not made by myself. Over the past few months, for weeks at a time I have had no access to my accounts via their website nor mobile app. Their information online is inaccurate and when I file disputes, they deny my claims when they are the ones at fault. 
They have not provided me, in writing nor electronically the reasons for the denial of my disputes.

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 2023-01-24
Company: William D. Meeker Enterprises, Inc.
State: CA
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:
There are various inquiries on my account that I did not approve/ authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2019-08-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXXVisa XXXX Was suppose to be paid {$330.00} on XX/XX/XXXX. They are denying that a payment was ever receved by XXXX XXXX Visa Credit Card. They have stated that they never received payment documented with online banking as XXXX  # XXXX. They are also claiming that they only ever received payments of {$45.00} or less being the minimum account which only brought the account balance down by {$1.00}. XXXX XXXX Visa is claiming non-payment for the duration of the entire account begining XXXX of XXXX. Please send copies of all payments made by me and received or cashed and applied to account XXXX to me and to this creditor. Which is a service that online banking provides when a biller denies having received payment. 
Again my account has been taken over by hackers. Most of my emails were deleted and I have been receiving false emails of the same name with emoticons that are not flagged as spam because they cloned and replaced the mail address of the company. Email is disabled and no longer working for me. Please do not send email to me. Only contact me via United States Postal Mail. Since XXXX my outgoing phone calls have been intercepted by a call center of hackers who represented them as businesses that I receive services from. 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 explanation
Consumer complaint received 2018-04-08
Company: Kashable LLC
State: MO
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:
I am in the process of trying to close on a home and my loan processor informed me that I had an installment loan opened in XX/XX/2017 that showed current with a balance in the amount of {$5300.00}. I paid this off in XX/XX/XXXX. I contacted Kashable LLC and was informed that the pay off wouldnt show until possibly the end of XX/XX/XXXX. I thought all was well. The issue is that Kashable has not reported any of my biweekly payments. {$5300.00} was the original loan balance. I again contacted Kashable and was jnformed that they would try to get me a paid in full letter from the supervisor to provide to my processor. I emailed the same person the next day for an update and didnt get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've spoke to Chase Bank and they have not provided information about proof of any contract in my name however, I have a document with the name of the debtor and account number with payment history and it does not reflect any information pertaining to my name or personal information. This loan is from the State of Illinois not from Georgia where I reside. The executive agent I spoke with XXXX did not want to remove this information from being reported on my credit file. I was not expecting any problems from this company Chase to remove inaccurate reporting information off my report, it seems to be some confusion that I can not identify when it is clearly an issue with discrepancy with the names and addresses attached to the account being reported and Chase is ignoring the facts and violating my consumer rights and laws from the ( FCRA ) Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: GreenSky, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I placed an order with XXXX XXXX XXXX in XX/XX/XXXX for plantation shutters that were supposed to deliver and install on XX/XX/XXXX. XXXX XXXX installer came in XX/XX/XXXX to install the shutters half way through the installation I noticed they were they wrong color and they were damaged so I stopped the install. As of today XX/XX/XXXX, I have requested XXXX XXXX XXXX to pick up their shutters as I no longer want to do business with them as no one has returned my calls in a over a week and it is now XXXX and my issue has not been resolved. I filed a dispute with Greensky regarding payment and not receiving the correct product which was damaged and not installed. Greensky said that they are closing my case as they had an email from XXXX XXXX XXXX stating that they would make good on my purchase which has not happened. As of today XX/XX/XXXX, XXXX XXXX XXXX has not returned my calls or emails in over a week. I told Greensky I would reopen my case as XXXX XXXX XXXX has not responded to me. I was told " NO I am not '' When speaking with Greensky they were rude and did not care that I had not received my product and are holding me accountable for this loan. I had never spoken to Greensky about my loan until I filed a complaint. They never confirmed anything with me. I feel this company is strong arming me into paying them for product they know I have not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have had over 300 harassing phone calls at work and at home for a loan I have never been late or missed a payment on. I have repeatedly asked them to cease and desist from the harassment to no avail. This company practices predatory lending practices, sells private information and uses high pressure harassment to intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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:
Todays Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE. 
To Whom it may concern : Experian, XXXX, XXXX XXXX According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE. 
XXXX/XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 CXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 I am requesting immediately deletion of the above inquires. 

Thanks for your prompt attention

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Credit bureau is in direct violation of several consumer protection laws including the DODD FRANK ACT, TRUTH IN LENDING ACT PURSUANT TO 15 USC ...

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 2022-08-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent in disputes to XXXX, XXXX, and Equifax about these fraudulent inquiries on my report. XXXX keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
BestBuy CitiBank card has been billing me for Enhanced Debt Protection. I don't know what Enhanced Debt Protection is.  There is no information on the website or through XXXX search. They gave me a wrong phone number when I called and the same wrong number in an e-mail. E-mail replies directed me to a webpage that was out of service on multiple occasions. I finally got a reply on their site that says I enabled this in XX/XX/XXXX, it is now XX/XX/XXXX. They say since my account was protected by the benefits I can not get a refund for any of the months they billed me including the last month.

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 2020-07-15
Company: EQUIFAX, 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:
I have attempted to remove two accounts off of my credit two times via certified mail. Equifax, XXXX and XXXX have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!

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 2023-05-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX received a debit card in the mail with my name and expiration and a debit card number. On XX/XX/XXXX I went to the Chase Bank, and they told me that the account was under my name with my Social Security number, and date of birth and address, but the phone number and the license was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with BMO that came with a {$300.00} bonus if certain terms were met. I completed these terms ( as confirmed by company representatives, received 3 dates that the bonus was supposed to post by, and it still has not posted ). I no longer trust what the company representatives say, so this is my best resort. I've basically been lied to at least twice ( bonus will post by xx, it didn't ).

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX or XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Previous claim with CFPB, claim # XXXX, XXXX deleted the above account. 

I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of this account.

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