BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I made a reservation through XXXX with a payment of XXXX. I selected my reservation dates of XXXX through XXXX. When I received confirmation, days were taken off of my reservation. I tried contacting the host and the response I received was " the days I want are not available ''. When I made the reservation online the dates were available and selected. On XXXX I opened a dispute/chargeback with my card company. On XXXX I received an email from XXXX stating THEY cancelled my reservation and would provide a full refund due to the reservation not being legitimate. XXXX disputed the chargeback from my card company and won the dispute. I have contacted XXXX countless times about this refund I was promised and they are now declining to work with me about this issue. I have documentation stating they cancelled my reservation and have promised a refund on numerous occasions. I have sent all documentation to XXXX they wanted to try and solve this but they are not responding to me now and I get disconnected when I call them. I opened a claim with XXXX  and it is now closed because XXXX will not contact me to try and resolve this. My bank/card company is not helping me with this matter either. They keep telling me they are not receiving the information they've requested. I have sent them all documents via mail and email on multiple occasions. When I call them about this issue they claim there is no one I can speak with to resolve this issue. My card is through Wisely pay card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted to use my Citi credit card on XX/XX/20 and the charge was blocked or closed ( both terms used by the Citi ). There was no reason that I was aware of that the card should be invalid. When I called the Citi fraud unit, and provided the asked-for password, the representative ( speaking broken English  ) refused to help, refused to connect me to a supervisor, and told me a letter would be mailed to me ( not received ). 

Thus, I was shut out from understanding if/what fraudulent activity had occurred, which prevented me from filing a police report in the proper jurisdiction. Or possibly there was some internal failure at Citi. Either way, I have no account access, and no ability to gain that knowledge until a lawsuit is filed and it is adjudicated. 

A credit card company should be required to communicate with card holders in a timely and responsible manner. By maliciously keeping me in the dark, Citi is free to engage in violations of the Fair Credit Reporting Act and Fair Credit Billing Act by refusing me access to billing activity, which may result in erroneous credit reporting. 

Citi has a notoriously bad reputation, as evidenced by the litany of lawsuits on record, as well as the numerous enforcement actions and judgements brought by various regulatory agencies. Citi also has a notably worse reputation among all credit card issuers from among law enforcement and fraud investigators who have to deal with Citis incompetence. Not to mention the F rating at the XXXX  XXXX  XXXX. 

This company should be out of business. Hopefully, this information is of assistance to the CFPB, regulators, and legislators.

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 2019-01-02
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: Problem with personal statement of dispute

Complaint:
I paid my mortgage on XX/XX/2018 via wire transfer guaranteed funds. My credit report is now showing 30 days late. Ive mever been late

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 2019-03-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
This company ran my credit without my consent. I have never applied nor contacted them. I never authorized them to run my credit. I have contacted them several times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: SUNTRUST BANKS, INC.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received my social security check by direct deposit into an account at SunTrust Bank on Wednesday. I paid bills and was prepared on Friday to purchase prescriptions and groceries. However, my card would not work so I called the bank. They informed me at that time that my account was being closed, my funds were frozen and that they did not have to tell the reason for the closure and did not have to issue my money to me that day. That they would issue a check within 10-15 days. I spoke with them several times, and finally called my US Senator 's office who advised me to go to the bank personally and talk to them. I was given the same answers there. They have closed my account, a check would be issued within their guidelines and they do not know or can not tell me why. It has to do with their " rules and regulations ''. I was contacted today by someone who had been in contact with the Senator 's office and was told that " they are investigating it ' and that the investigation will take at least three days. After that, they will let me know what they find out and when they will let me have 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 non-monetary relief
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion and XXXX are not reporting my credit card account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account Number : XXXX My account is reporting with XXXX but not with the other two companies. Can you report this account with Transunion and XXXX? 

Thank You, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX IXXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2018-04-23
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started trying to sell my house back in XX/XX/XXXX. I have gone through several buyers in just one year only to lose them because of USBank. I had to move and stop paying my house payment because it went from {$950.00} to {$1300.00}. My hardship began in XX/XX/XXXX due to having to quit my job because of XXXX issues, I almost lost my daughter. Because my husband worked an hour away from the house we decided to sell the house and move to another county. I have had I think at least 7 buyers and one was even willing to pay more than the house is worth and USBank denied it. My loss mitigation application has been in and out of review because they are saying I'm not providing them with the correct information. I have a realtor helping me to make sure they get what they need. I have had to send in check stubs for my husband and I three or four times. They wanted a letter from my husband saying how much he contributes and that he is in fact my husband and then they wanted to remove him from the process. Since XX/XX/XXXX my application has been in review and I called today XX/XX/XXXX and was told that it is with a negotiator. It seems to be going no where to me so my realtor told to file a complaint. This is beyond stressful. I have all emails sent from XX/XX/XXXX to current, it's too much to upload. My advice to anyone is use a lender they don't give near as much problems and never ever use USbank.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: TN
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 ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET 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 2020-06-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called and spoke to XXXX XXXX. XXXX today and there is NO record of this {$1000.00} loan from 25 YEARS AGO that TransUnion has decided to put on my credit report as of XX/XX/2020!!! THIS IS FRAUD AND I WANT THIS HANDLED NOW

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 2021-05-24
Company: SYNCHRONY FINANCIAL
State: ND
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 was at work on Thursday the XXXX when XXXX gave me a notification that i opened of a hard inquiry on my account. I checked, and it said it was a Tj Maxx credit card. Ive never shopped there before so i know i didnt open it. I called their customer service to try and get the account closed.

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 2018-12-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the month of XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I had filed a dispute with TransUion in regards to a fraudulent account open in my name on XX/XX/XXXXwith a company called XXXX XXXX, the debt owed is XXXX, the said account was handed over to XXXX XXXX As a result of the completion of the dispute it was denied as to clear off my report by TransUion. I have never did any business with a XXXX XXXX nor did I give anyone else authority to do so. I believe to be a victim of identity thief. I noticed several inaccuratcies and incomplete information in my credit file as to leave my beliefs void.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
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 negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry EXPERIAN CREDIT BUREAU Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry

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 2018-04-23
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After filing a CFPB complaint [ complaint # XXXX ] during XX/XX/2018, I received one " PNC Bank Official Check '' in the amount of {$77.00} and two " PNC cashier 's checks '' in the amounts of {$480.00} and {$30.00}. Unfortunately, I have been very ill and have been at 2 different hospitals for medical treatment over the last 4 weeks. However, I tried to cash these 3 checks at the PNC XXXX XXXX branch on Saturday, XX/XX/XXXX. The branch manager would not authorize these checks to be cashed because she said " she had to guarantee the funds were available by calling someone at corporate. '' She said " the individual ( s ) I need to call will not be available until Monday morning. Please come back to the branch at that time. I am going to keep these checks because I can not return them to you. '' Now, why the branch manager felt the need to keep the checks did not sit well with me and that was made very clear. I used to work at a bank and I know that among the purposes of a cashier 's check is to set funds aside to ensure guaranteed and prompt payment to the check recipient. So, again- why the branch manager felt behooved to take possession of the check is absurd and why it is taking so much work to cash their own company-issued cashier 's check is beyond my comprehension at this point. 

Upon going to the branch this Monday morning at XXXX XXXX, the branch manager has still not resolved the matter. She asked for me to return to the branch at XXXX XXXX to let me know the status at that time. 

I departed from the bank and called the XXXX number denoted on paperwork and spoke with a customer service representative named XXXX. After explaining the situation to XXXX, she recommended I ask the branch manager, XXXX XXXX, to provide me the regional manager 's phone number. 

I will make that request & call but I feel compelled to file another complaint regarding this outrageous situation. These funds are proof of payment that the bank recognized that closing my checking account was wrong but what is worse is the amount of time and money ( XXXX & bus fare ) to resolve this " resolved '' issue. 

Thank you in advance for your assistance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23
Company: Aqua Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aqua Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: OH
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:
Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I called the XXXX number to find out where can I print my XXXX forms when I spoke to the rep I answered all my info which is card number, first and last name of the account, date of birth and my online id I use then the rep said " We can't help you because you are phishing someones account even though I was the one who knows what the question are I told them that " I was the account holder NOT a scammer or a thief of my own account '' and then I hung up and called back 5 minutes later I told a other reps that I know the questions are being asked when you call the number on your back of your card then the rep said I was doing a fraudulent act on my account then when I tired to speak to a supervisor and they refused.

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