BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-08
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotion ( code XXXX ) offering XXXX XXXX  points after 90 days of opening my account. I have completed the requirements ( open a Citi debit account, two deposits totaling {$1000.00}, and spend {$1000.00} ) and confirmed with a Citi representative of my completion. The telephone rep said I can expect the XXXX points to be deposited in my account ( # XXXX ) after 90 days, but it has been more than 90 days since I have opened my account and still have yet to receive any points.

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 2020-10-27
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: Account status incorrect

Complaint:
Company violated their Covid-19 agreement to reset the XXXX and XX/XX/2020 to {$0.00} balance due. Every effort was made to resolve amicably prior to this point I was repeatedly past around from department to department msot of which more rude and unprofessional than the last They then tried to tell me I filed bankruptcy and when I said I would know that never happened I just want service with my account I was repeatedly hung up on. 

They repeatedly violated other customers personal information by sharing sensitive and personal information directly from their executive office to me when attempting to communicate using a shared XXXX. Then they also stated that never happened and proceeded to do it again so I kept all 3 emails. 

I was a customer for 8 years never late there are massive amounts of communications call logs and disputes since and the account was paid off so this was clearly an issue that was absolutely not my doing nor my fault it this is an absolute error not only credit wise but service wise. This needs to be immediately fixed on credit bureaus as not late or no data I have spent so much time energy and effort thus far it is disappointing

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 2021-08-16
Company: American Coradius International LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to verify debt and said I disputed that debt. XXXX, I think his last name was XXXX  he said. Stated they didnt have to verify the debt. I stated that under the ADA law I disputed and he said they were past that. I asked if they had sent me a letter and he states they had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$17000.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3700.00}. Please update.

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 2023-06-27
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:
Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Account name and date are listed below! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

thank you!

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 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2020. Please update and correct my account right away. 

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 2020-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In early XXXX I received a mailer from HSBC advertising an offer available at " us.hsbc.com/500directdeposit2 '' for a {$500.00} Welcome Deposit if I 1 ) opened a Premier Checking account between XXXX XXXX XXXX, and 2 ) made recurring direct deposits totaling at least {$5000.00} per month for 3 consecutive calendar months from the 2nd full calendar month after account opening. I opened an account using my personalized code via that website on XX/XX/XXXX, satisfying requirement 1. I made direct deposits totaling > {$5000.00} via my employer payroll during each month from XXXX until today, satisfying requirement 2. I have not received the Welcome Deposit as of today. Per the terms, I should have received the Deposit within 8 weeks after completing all qualifying activities. I completed all qualifying activities as of the end of XXXX, and thus should have received the deposit by the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
My rights and Federal Law have been violated.

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 2020-10-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Communicating with Chime, going on 3 weeks now. 
I have saved up money overtime within my XXXX account. I thought about having a Chime banking account. I heard great things about the Chime online banking services. I decided to have my money to be housed there, therefore I opened both a checking and savings account with Chime bank online. All of my money was out of my XXXX account and into what I thought was a legitimate financial institution, went into both checking and savings accounts, subsequently and combined to a total of {$21000.00}. Chime, without notifying me or providing any documentation by mail, has closed both of my checking and savings accounts. Since XX/XX/2020 I have not been refunded of my money. The Chime bank never gave me a better understanding as to why my accounts with all of my money in it should be closed. I complied with all of the rules of this bank. I provided all of my identification, proof of address, and a written explanation on the origin and intended purpose of my money via email to them. It's been well over 2 weeks that I haven't gotten a response or seen a delivery of my check in the mail. According to their deposit agreement, I and the bank can close my accounts for any reasons. Also, the bank has within 14 days to issue back to me my balance if it's over {$1.00}. I haven't seen a dime of my money. I have to take care of my family with this money. I want my money back. I can not ever get a hold of someone at this bank by calling their XXXX number nor a legitimate explanation as to what's going on with my money and the whereabouts of my money whenever I have spoken to the bank representative. I just want my money back. I feel as though they've violated me beyond my civil rights. All of my communication has pretty much been communicated through emailing them at this email address XXXX. And whenever I've called, I'm not getting nowhere to a resolution about my money being refunded. I have waited out the following 14 business days because after an account closure the bank supposedly will refund the money in the accounts. I spoke with Chime Bank floor Manager XXXX, XX/XX/2020. All relevant information requested was provided to them. And XXXX acknowledged receipt of those documents. According to her, the accounts are closed and the system won't generate a refund. XXXX stated there's no refund. This Chime bank fraudulently took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my Bank of America home loan on XX/XX/2020. After several attempts in person, over the phone and on social media, Ive had enough! The complaint is that they are holding my overpayment from the payoff of the mortgage and they have yet to send me a satisfaction of mortgage and the excess funds. Bank of America is a conglomerate and here I am barely surviving! Every time I contact them they tell me someone will reach out and they never do. Im seeking in excess of what they owe for what they have done to affect my life.

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 2021-05-23
Company: Crossroads Systems Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
In XX/XX/2021, I applied for a much needed XXXX loan and was approved by a company called XXXX. I signed the documents on XXXX and was funded by Capital Plus Financial. The money was sent to my bank by XXXX on XXXX but was rejected due to the exceeded amount. It was returned yo XXXX same day. I have been reaching out to them for almost a month now including submitting tickets but they have not responded so far. I have went to their website but they dont have a phone number listed. They have in their site that when a situation like so occurs, they will follow up to update the information but I have not received one response from them. I have reported it to the XXXX XXXX XXXX. Please help me recover the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to TransUnion requesting fraudulent information be block on my TransUnion credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but TransUnion has not. 

Information I requested blocked due to identity theft XXXX XXXX {$1800.00} XXXX XXXX  {$1500.00}

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 2023-06-13
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: Helm Associates
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is no obligation of mines 15 usc 1692b. The creditor stated account was accurate however a full investigation wasnt done 15 use 1681 ( A ) ( E ). Other Violations 15 usc 1692f, 15 usc 1692e, 15 usc 1692j, 15 use 1681 ( b ) ( A2 )

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 2020-10-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX  was deceptive in offering promotional payment plans. They marketed the plan as the bank will calculate the minimum payment each month to pay off the balance prior to the due date. The automatic payments were made for 17 months. In the end, the payments were reduced by the bank to leave a small balance and move these charges to the higher interest rate. The next payment was not applied to the balance with the higher interest rate. The payment was applied to balances with lower interest rate. 

The Bank and XXXX XXXX were very deceptive to lure the customers into thinking the bank calculated the payment amount to avoid higher interest rates. The ultimate goal of the back was to push balances to a higher rate and make it difficult for the customer to avoid interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
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, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. In section 15USC 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

AMERICAN EXPRESS Account Number XXXX In 2021, it is reporting 30, 60, 30 days past due.

Company response to consumer: Closed with explanation