BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
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 fraud alerts or security freezes

Complaint:
I contacted Transunion on XX/XX/2018 after receiving an email from XXXX XXXX about a hard inquiry on my credit report from XXXX. I notified Transunion that I had called XXXX support before contacting Transunion and XXXX had no record of an inquiry on my report. Instead of helping me and correcting their error Transunion said that I had to contact XXXX   for a letter of deletion. After calling XXXX for a second time, I was told that XXXX does not issue letters of deletion and instead told to come to this website, which does not issue letters of deletion from credit reports. 

It is also alarming that Transunion had records of everywhere I had lived yet on the hard inquiry for XXXX it listed my address as a place I had never lived. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Which is a hotel, not my place of residence. I have never even lived in that town or stayed at the hotel.

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 2020-12-01
Company: CITIBANK, N.A.
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:
I have disputed this account with Citi banks through all bureaus as well as filed a previous CFPB complaint and there has been no positive change. I enrolled in Citis covid program in XXXX and was informed I WOULD NOT have to make ANY PAYMENTS UNTIL XX/XX/2020. Citi ended up closing my account in XXXX stating and no one was able to inform me why. Since then there has been a change in the balance owed how is that the case on a closed account? Im not using the card! the credit report shows there has yet to be a notice of dispute input by either Citi or any of the bureaus. I get more than 3 phone calls a day from this company on top of receiving phone calls after XXXX XXXX  which is clearly a violation. They are also reflecting a close date of XXXX, how was I able to enroll in a program of my account was already closed, and why didnt anyone mention that?

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 2021-08-24
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CITIBANK, N.A.
State: NJ
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 file Chapter XXXX bankruptcy on XX/XX/XXXX. My Citi Card L.L. Bean credit card was also iIn my bankruptcy petition. Last month I got an email for my statement. I called them to tell them to stop emailing me I file Chapter XXXX I am in the chapter XXXX clause. I got an email yesterday morning at XXXX with my statement. I told them I am file Chapter XXXX bankruptcy do not contact me that theyre not supposed to contact me. Theyre violating the chapter XXXX laws and they need to be held responsible for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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:
I filed a dispute with Experian on XX/XX/15 and failed to complete within 30 days & reply.

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 2018-03-03
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX from Branch Service Manager XXXX XXXX, after seven years as a customer, saying " This letter is to inform you XXXX XXXX, has made the decision to close the financial accounts referenced above. We do not believe it is in the best interest of the bank to continue your relationship with XXXX XXXX. Your accounts will be closed effective XX/XX/XXXX '' " As a result of this action, deposits will not be accepted after XX/XX/XXXX. Deposits made to your accounts may be subject to holds. Checks and debits presented for payment after XX/XX/XXXX, will be returned account closed. A cashiers check for any remaining balance will be mailed to you after the accounts close '' Their was no prior warning, nor was there any incident that would have warranted this response. The amount of time given is not sufficient. I am a retiree who receives SSA and retirement benefits through direct deposit. I have creditors who have to be informed of a new account and who need time to process this change through their system. Any creditors who have not been paid will have an adverse affect on my credit. 

I have sent a certified letter to XXXX XXXX detailing the problem as well as calling XXXX XXXX  Customer Service requesting a intervention. I have yet to get a response.

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 2023-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: IA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX, Account name :, 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 a account without my written instructions 15 U.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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i requested to the credit bureaus XXXX experian and XXXX to remove the derogatory accounts that were not mine i submitted an identity theft report and the stated that the information was verified without and documented 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 non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them 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 2023-03-31
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX  Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/ XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/ XXXX  Date of inquiry : XX/XX/XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/ 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone was stolen. They somehow got into my phone and used XXXX XXXX with my checking account/debit card. Transferred {$1900.00} using XXXX XXXX to a different person. Wells Fargo Bank said I am responsible for those transactions because they believe it was made by me or someone I know.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


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 explanation
Consumer complaint received 2019-02-12
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been a customer of Citibank since the XXXX 's. I had 3 Citicards for which I paid at least the amount required each month. 
In XX/XX/XXXX, I fell in my grandsons school playground and almost XXXX XXXX XXXX XXXX. 
I was not able to pay all bills involved. I paid the Advantage Card in XX/XX/XXXX, but not XX/XX/XXXX. I paid less on the Cash and XXXX cards in XXXX and XX/XX/XXXX. 
After Citi Cards Collection phone calls to my home, I went to my Branch on XXXX XX/XX/XXXX where I had a long conversation by phone with a representative from Citicards to save the Advantage Card, and to trash the Cash and XXXX Cards. 
I asked the representative to mail letters of our conversation. They were received in time to make the First payments : {$300.00} on XX/XX/XXXX done by Citi teller ( attached ) and the others Cash {$270.00} and XXXX {$160.00} on XX/XX/XXXX. All these payments to be for 5 months. 

Now that the second payment is due on XX/XX/XXXX, they invade my account website and change the terms.

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 2023-03-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Got a phone call from XXXX, claiming to be Chase bank. 
Told me that they had been monitoring my credit report ( I don't have a Chase account, so they should not be able to check my credit report ) and wanted to offer me a credit card. I stopped the call at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I was affected by Covid-19 and never missed a payments on my mortgage before Covid. I am currently running 2mths behind & applied for assistance with my mortgage company Caliber Home Loans. I request consideration under the Cares Act. I wanted the 2 missing payment be put at the end of my loan or extend my maturity by the 2 months. They approved a trial plan XX/XX/20 on my loan increasing my payment from $ XXXX w/interest rate 2.875 % to {$2000.00} & appx 3.25 % interest rate. A modification should be in the best interest of the borrower, lowering the payment to help during these uncertain times, not give a borrower unfavorable terms. I called Caliber and spoke with XXXX # XXXX to review this. She was unsure of why the increase as well. I asked to speak w/ a supervisor & they refused to take my call. XXXX relayed a message from the supervisor- My approval is based on the going interest rate. Well I keep up with the rate and the current rate at that time was below 2.98 % for conventional loan and today 's prime rate is 3.01 % ( ( VA rates are lower ) ). So this was a lie and they are giving out false information to borrowers just to get you off the phone. I let the agent know this info was incorrect. XXXX told me I can just reject it & pay then ( ( WOW ) ). I do reject the trial offer increasing my payment & interest rate! Caliber 's SPOC unit is unsatisfactory, especially during these horrible times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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:
Ive discover that I been a victim of identity theft. I found out someone unknown to me used my personal information to open accounts with. XXXXXXXX XXXX account number ( XXXX ) and XXXXXXXX XXXX  account number ( XXXX ). I immeaditly called the credit breuas to let them know of my findings and they advice me to file a FTC report and I send it to them and a month later I checked on my credit report again and fraud accounts that was opened using my information it still shows on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: MONEY SOURCE, INC., THE
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We had a bankruptcy that did not involve our mortgage, yet our mortgage company incorrectly reported to the 3 credit bureaus that our mortgage was discharged. Our mortgage continues to be current for months now after the bankruptcy. This error makes it nearly impossible to repair our credit as it is the only payment history we have now that we are starting over. If this error were to be correctly reported, it would show several years of mortgage payment history with no late payments. We have made more than 36 calls and sent numerous emails over a 3 month period and can not get past the supervisor of what we hope is the right department. They keep saying they will call back and I keep requesting an email conversation because I can not have my cell phone at work to receive their calls. We were promised some type of status report at least 3 times and have heard nothing. We provided numerous documents that should make this error very obvious. I had to forward an email from their own attorney 3 different times, in which their attorney said there was nothing they could do, it was up to the company to correct the error. The error seems to stem from the company not receiving what is called a " reaffirmation ''. Although I am still not sure what this is, apparently it is something that was supposed to be submitted to our mortgage company by our bankruptcy attorney. Apparently, reaffirmations are required in some states and not others. Our bankruptcy occurred in Oregon where not only are they not required, but by all reports the bankruptcy courts won't even accept them. Our mortgage company is based on the East coast and their attorney is in California, where reaffirmations are required. We have tried repeatedly to explain that not only is there no reaffirmation, but even in states that DO issue them, our bankruptcy has already been completed and once that happens one can not be issued. It is extremely frustrating that the mortgage company has tons of notes containing all of the above information yet we can't get past customer service - who has to read through all of them during each phone call, then call for a supervisor if one is available and if not, they type them a message. If they log into our online account in their own system it shows our current payment status and it certainly shows the latest statement requiring a payment on a supposedly closed account from a bankruptcy that did not involve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have an online friend whom Im close with. Someone made an online account pretending to be them and asked me for money. I sent {$75.00} Using Zelle. After I sent the money I double checked the accounts on XXXX and confirmed that I had been tricked. I called the bank right away to cancel the Zelle payment but the customer service rep said it was too late and I had to wait for the money to go through, and then I could dispute the payment. I disputed the payment the next morning, and today I get a letter in the mail from the bank saying that they do not think there was fraud and so they wont refund the money that I was tricked out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2018-11-08
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or misleading advertising or marketing

Complaint:
so i purchasex a XXXX western union money order i no longrr needex it so i toom the money order to XXXX XXXX XXXX a total of 3 of them that wouldnt pay me the money order says payable at XXXX XXXX but they wouldnt pay me its ridiculous and i am tired of the sham the we american citizens are faced with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have opened savings account in response to Citi offer to deposit $ XXXX to the savings account and receive the {$700.00} reward. I have deposited the funds however Citi closed my account originally because their branch in FL sent documentation with the check into the wrong department. Citi cashed the check but lost rest of the documents therefore allowing deadline to pass. 

An addition, Citi fraudulently charged me {$30.00} service fee each month while I complained with requirement to deposit $ XXXX to avoid service fees, monthly {$30.00} fraudulent fee which lowered my balance each months. 

I addressed this issue with Citi multiple times with no avail. 

I need all fees refunded promptly.

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