BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts.The original creditors and Transunion have ignored my request for verification and Pursuant to 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. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

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 2017-09-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : 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 2022-01-11
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:
I received a disbursement from the XXXX XXXX on a " Netspend Disbursement Prepaid Mastercard issued by XXXX ''. 

Since this card has no way to withdraw a balance from it without fees, I chose to close the account, have them mail me a check, pay the {$10.00} fee. 

I called them on XXXX XXXX, 2021, and I spoke to an agent. I was told that the account was closed and that I should receive the check within 10 business days. 

I have not received any contact or check from Netspend since that time. I went to their online portal and my account is still open, and the funds have not been disbursed. I can not seem to get the company to release my money.

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 2018-01-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX XXXX an ACH payment was presented to my Citibank account from XXXX Credit Card. On XXXX XXXX I contacted Citibank because I had an alert of an overdraft. When I contacted Citibank my checking account had sufficient money to pay the ACH item from XXXX and in fact had already been deducted from the account. I asked Citibank to make sure the item was paid and they told me they refused to " force pay '' the item because they had updated their computer systems and it would not allow that to be done by the branch manager or the XXXX number. This was clearly done in order to charge me a {$35.00} late fee. This in turn resulted in a {$39.00} late fee from XXXX and a {$160.00} interest fee.

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 2021-11-23
Company: EQUIFAX, INC.
State: NJ
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:
XXXX, Equifax and XXXX refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 property was stolen my cards were used fraudulently i reported it to the companies they refused to remove the fraudulent charges

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 2017-10-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX, XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX credit card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud and a copy of the police report.This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.

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 2017-11-28
Company: ACS Education Services
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:
On XXXX/XXXX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent 4 requests to Equifax to have inaccurate dismissed bankruptcies reporting on my credit report removed. I have sent an affidavit requesting they answer my affidavit point by point, line by line and provide proof of the verification of these dismissed bankruptcies. I have received deficient responses and an unanswered affidavit stands as truth in a court of law. Not only that Equifax removed these bankruptcies on XX/XX/2018 and then re-inserted them on XX/XX/2018, which is a violation of the FCRA, Section 611 ( B0 ( i ) A ). I received no certification of the the accuracy of this information that was re-inserted. 
I refer to the attached Equifax Credit report CHAPTER XXXX BANKRUPTCY DISMISSALS as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A,  immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citibank NA, Macys XXXX, and XXXX XXXX XXXXXXXX XXXX. The Account Opened is Citibank NA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}. The Account Opened is Macys XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and 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 2022-01-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today ace cash express tried to lie and say I was charged with bank fraud because Im unable to pay the collector. They after like they were with the court and going to have me arrested and charged with a crime

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Issue summary : $ XXXX transferred from XXXX to Citi is missing. 

Issue details : 1. XXXX XXXX opened Citi bank account online and initiated opening deposit of $ XXXX in the process 2. XXXX XXXX XXXX deposits by Citi into XXXX verified 3. XXXX XXXX received Your opening deposit has been made email by Citi 4. XXXX XXXX $ XXXX withdrawn by Citi from XXXX 5. XXXX XXXX closed XXXX account 6. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 7. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 8. XXXX XXXX morning called citi since citi account still did not have funds credited. Was told it will take XXXX business days 9. XXXX XXXX evening call to Citi. Was told that my account was blocked for fraud and funds did not get into citi account for that reason ( No reason for fraud/block given ). Citi said they rejected the funds.But the funds would not go back to XXXX because i closed XXXX account not knowing that citi had blocked my new account. Had a conf call with XXXX, citi and myself. Citi and XXXX both blamed each other. Citi guy said he will follow up on why the account was blocked. But he never got back. 
10. XXXX XXXX, talked to Citi supervisor named XXXX XXXX, explained the situation. She told she will talk to new accounts/fraud dept and ask them to give me a call. But never got a call back. 
11. XXXX XXXX talked to XXXX regarding missing funds, they said will look into it 12. XXXX XXXX XXXX gave me transaction details for the withdrawal and asked to file a case with Citi. They told me the reason funds got rejected by citi is name mismatch ( citi never informed me about this ) 13. XXXX XXXX citi declined that they have funds and was told that the account is being closed 14. XXXX XXXX filed a case with citi regarding missing funds, was given XXXX business days ETA 15. XXXX XXXX got a call from Citi regarding this issue, repeated the whole ordeal in the phone and was told they will get back. 
16. XXXX XXXX got a call from Citi again asking my experience with citi banking, I gave them my issue details again. Was told they will get back 17. XXXX XXXX, today. No update from Citi Never did I get an email/mail/call regarding blockage/fraud/funds etc from Citi before I found out myself on XXXX XXXX. They were utterly negligent/irresponsible/unresponsive/gave false info multiple times. They even sent me atm card, check book, account statement giving me false impression that everything is ok. 
I had to call them every week and find out as to whats going on. Wasted about XXXX hours in the process. ( Above list of calls may not be complete )

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 2019-08-31
Company: Sierra Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me.

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-11
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: Their investigation did not fix an error on your report

Complaint:
An account named " XXXX, XXXX '' has been reporting inaccurately on my EQUIFAX credit report for some time now. I have disputed it several times over the past couple of years and I have provided police reports and other documentation showing that my identity was stolen. I have submitted all proof to the credit bureau multiple times showing proof that the account showing on my credit report is inaccurate. EQUIFAX keeps replying giving false information saying that they completed an investigation and the information on my credit report has been confirmed. That is absolutely incorrect and illegal to falsely state that when it couldn't possibly have been investigated otherwise they would learn that the account is inaccurately reporting. I have attached a letter from the creditor themselves saying they show no account in my name. This is so unfair, unethical and more importantly illegal to report inaccurate information. I have exhausted all options and patience and now have no choice but to take further action at this point. 

I have requested to remove the account from my credit file as it is inaccurate and negatively impacting my credit score. It's unfortunate that I have to deal with the consequences of EQUIFAX 's mistake and that I have to go through this extent to prove the truth. I hope this matter gets resolved sooner than later because I refuse to give up for what is right!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Rocket Mortgage, LLC
State: NC
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:
Quicken Loan ran a credit report 3 times against my approval. I informed all 3 credit bureaus in the past of any fraud of receiving my information without my permission and was to be cover for 3 mos or more. As far as the letter I received back from all 3 bureaus no one is supposed to run my credit without calling me first or my approval. It appears this has gone through and has lower my credit score even more. Please remove these inquiries from my credit history. Please DO NOT allow this to pass through again without proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So on XX/XX/XXXX i had funds taken out my checking that were not mine i also received a call by my bank that money was being taken out in Florida that had nothing to do with me. I proceeded on giving the bank my information like my pass code and my full name and address in order to have them freeze my card and send me a new one and they even sent me a text to confirm i had changed my my pass code. When i went into work an hour later i checked again and XXXX dollars was taken out my savings and checking. The savings was sent to my checking and everything was taken out in Florida. I called the bank trying to find out why i had still been fraud and they told me the person who called you was a fraud and i was in disbelief because me thinking the bank i had put all my savings was helping me was either hacked into or had no idea it was me being fraud. So i talked to the bank and they said i was victim of fraud and that they would submit the case so i thought i was going to be okay and have my funds returned because that's i had saved up during my time in the XXXX. I did two XXXX to XXXX and XXXX and me thinking me protecting the country they should be able to protect my money. They sent me a letter in the mail and said they wouldn't give my funds back or give me any money because i basically gave them permission to take my money by providing them my information for the bank. So i was confused on why they wouldn't help me get my funds back because i didn't give them permission to do any of it or take anything i thought it was the bank helping me get my funds back but it was the fraud calling me. So i had saved that money just in case i had in troubles when i got out and they didn't care to help me. Im about to be homeless and have nothing because those XXXX dollars were all i needed to keep me going until i could find a good job that would help me and pay more. So im asking you guys if you could please help me fight this because this isn't right i didn't allow anyone to take my money because that's money i need for the future to get myself a good home its money i saved serving the country to my absolute best.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Bank of America is see what options they had available regarding my credit card with them. I am struggling financially. I reviewed all the statements from XXXX to XXXX and came up with the following numbers. I only used the card for emergencies when I didn't have the funds for necessities for my family/child care/car repair. I spent XXXX total charges in XXXX on my BOA credit card. I made XXXX in payments in XXXX & XX/XX/XXXX. Late fees and interest charged by BOA totaled XXXX. My charges, late fees and interest totaled XXXX. Payments totaled XXXX. Leaving XXXX yet I still have a balance on my credit card statement of XXXX as of today. From XXXX dating back to XX/XX/XXXX I used my card one time in XX/XX/XXXX for groceries. All other chares in that time frame are late fees and interest charged and payments from me. I spoke to XXXX from BOA on XXXX to see if there was anything to do as far as stopping the late fees and interest and closing the account so I could then be on a payment plan to pay off the credit card. Seems like every time I make a payment there is a new charge from the bank so my payment gets washed out. XXXX then said she could transfer me to the collections department in which XXXX XXXX answered the call. She first stated this is an attempt to collect a debt on a past due balance of my card in which my card is current and the next payment due is XX/XX/XXXX. I asked why she made that statement because my card is not past due and the next payment isn't due until XX/XX/XXXX and she said I have to say that to everyone. I then asked her if there was any options in getting help so I can get the balance on my card paid off and she said no. She was very unpleasant to speak to, rude and unprofessional. I then asked to speak to a manager. She left me on hold for 30 minutes after which I hung up because I had to get back to work.

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 2018-01-23
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:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXXt ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my 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