BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : 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 explanation
Consumer complaint received 2018-06-12
Company: REGIONS FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We discovered two fraudulent charges on our XXXX credit card statement. I contacted the credit card company, and they had me file a dispute by filling out a form and faxing to them which I did on XX/XX/. Several months passed and we had not gotten any response nor credit on our account. I contacted the credit card company once again and was told that to email the dispute foam which I did on XX/XX/XXXX. As of XX/XX/XXXX I still have not gotten a response nor a credit. I tried calling the company directly and was transfer to the fraud department, and I was instructed to leave a voicemail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX I am having issue with a freeze block on my credit that I did not request!! Please remove it at once. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX my SS is XX/XX/XXXX.I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX , XX/XX/XXXX, Equifax. I am in the process of buying a home and I need access to my files asap. This is a very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received a credit card in the mail which I did not request, prompting me to check my credit report on XXXX which lead to discoveries of fraudulent accounts. I began registering with credit bureaus to put a freeze on my reports. I was successful in creating accounts on XXXX and XXXX and freezing, however, I was unable to register an account on Experian. I called their line to resolve the issue and after talking with an agent, I discovered that the identity thief had registered with Experian before I could completely usurping the experian account. I am having difficult time solving this issue as Experian representatives seem to have zero jurisdiction in resolving this.

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 2018-06-12
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: Account information incorrect

Complaint:
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, Experian, and XXXX XXXX that I owe them {$9900.00}.

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 explanation
Consumer complaint received 2021-07-19
Company: Medical Data Systems, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am being charged for hospital bill that was supposed to be paid by insurance

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 2021-07-19
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased an item on XXXX with my discover card, item was not delivered to my home or it was stolen by the delivery person. Contacted XXXX, no resolution. Filed a complaint with my credit card and they ignored the fact I never received the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a purchase on my card where the merchandise was not received through XXXX and was not credited to my card. I disputed it with my credit card company and they reversed it and placed it back on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  and TransUnion Continue to List a XXXX Credit Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- XXXX  & TransUnion REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put 120+ in XXXX of XXXX when the " First Delinquency '' as per XXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXX XXXX  Card ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in 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 2020-05-10
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I cancelled 4 Excusurions with XXXX ( due to Covid in XXXX ) total {$940.00}. All were 100 % refundable, no penalties, nothing. 

Unfortunately it was for a my account that had cancelled earlier with Citibank ( since they couldn't stop a fraud charge monthly coming through, they said they would block it, they never did ) .So we couldn't file a dispute claim on line the 'usual ' way. 

We couldn't reach Citibank by telephone as they never picked up the phone after waiting 1 1/2 hr on line ; and at that time Citibank also removed their chat button too on their website So we ( myself and wife ) wrote a letter to Citibank, faxed it to them XX/XX/XXXX to fax # XXXX & XXXX. Two fax # 's as Citibank mortgage company emailed us directly, saying they recently changed fax # 's and they would forward to the billing disputes. 
This letter was sent certified to them XXXX, see attached, # XXXX which included the cancellations from the XXXX website showing 100 % refund. 

My wife, XXXX, emailed directly to XXXX the same information on XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX. 
Every above email included letter to XXXX, letter to Citibank, certified mailing to Citibank, and the docs showing the 4 items were cancelled, in addition to my husband 's previous c/c statement. 

If you see the email sent to them on XX/XX/XXXX, this complaint is for the Second issue ; the 1st one XXXX finally sent them back a response which Citibank said they would advise me in 10 days of their response. 

We also sent a certified letter to XXXX too on XX/XX/XXXX demanding an immediate full credit be sent now. 

Furthermore I received a call on XX/XX/XXXX at XXXX from XXXX, from a Citibank Rep, XXXX XXXX who said that they received the letter. He asked me if this was fraud. I said " didn't you read the letter, it clearly reads I cancelled the transactions, showed proof of the transactions, it isn't fraud. I am trying to have you file a dispute ''. He said " then I can't help you I am only in fraud ''. 

They have never replied by email or by letter, or a follow up call from the correct department since XX/XX/XXXX XXXX I was ready to scream. Citibank got the letter ( or their Rep wouldn't have called ),  they didn't read it correctly, and now wont ' file the dispute for these 4 charges which I have every legal claim for the $ to be reimbursed to me immediately in full 100 %

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 2018-12-26
Company: EQUIFAX, INC.
State: WV
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:
Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. Equifax and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.XXXX XXXX   as past due and in Collection. XXXX was Part of my Discharge 4. equifax does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
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: Account information incorrect

Complaint:
I transferred a balance from XXXX active credit account to another active account to take advantage of a 0 % APR promotion on balance transfer in mid XXXX balance amount {$4000.00} from XXXX XXXX to XXXX XXXX. The balance was transferred successfully and my new XXXX score dropped XXXX points. Upon further investigation my account XXXX XXXX XXXX that had the balance transferred was incorrectly displayed due to the statement balance being generated on XX/XX/21. This occurred XX/XX/21. I have since filed XXXX disputes with the credit bureaus and spoken to a representative at XXXX. I was informed that while I had not done anything wrong there was nothing I can do to regain my original credit score and that the points might be reinstated in the future. I am planning on purchasing a vehicle soon, and was in the market for a new credit card, and my borrowing opportunities have been severely limited due to a mistake in reporting that apparently can not be resolved. I was even informed that while this is not fair the credit score benefits the lender more then anyone else, and I had no options. This is absolutely unacceptable and I request that something be done to rectify the situation. My biggest mistake was utilizing the resources that I had available to avoid any sort of interest payment by intelligently transferring my balance to a non-interest accruing location. It does not seem right or fair that I am now suffering consequences for being pro-active with my finances. I have attached screenshots showing my XXXX account at {$0.00} balance as well as a statement from XXXX. I also attached screenshots showing my XXXX XXXX taking a XXXX point plunge, and only rebounding by XXXX 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 2020-11-13
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: Investigation took more than 30 days

Complaint:
I sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
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: Their investigation did not fix an error on your report

Complaint:
There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove

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 2018-04-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm writing this complaint because I've been trying to get an unauthorized inquiry removed from my Equifax report with no success. I called Equifax XX/XX/XXXX and the representative told me these were 'factual records and could not be removed. My second attempt I sent a letter to the creditor and to the bureau via certified mail that were both received on XX/XX/XXXX. I did receive a letter from XXXX XXXX XXXX dating XX/XX/XXXX showing a background screening report but nothing stating I authorized the inquiry and to contact the bureau. Received a letter from the bureau on XX/XX/XXXX stating inquiries are a factual record.. and to contact the creditor. In both letters I requested each entity to send me documentation of my authorization for this inquiry or REMOVE them and here it is XX/XX/XXXX and I have yet to receive sufficient evidence that I did indeed authorize this inquiry, only the creditor passing the buck to the bureau and the bureau passing the buck to the creditor which I have both contacted. As of date this inquiry hasn't been removed from my credit report which is a violation of the Fair Credit Reporting Act. The unauthorized inquiry is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I had {$3900.00} spent on two companies ( XXXX and XXXX ). There was a total of 18 transactions ( most of them being over {$300.00} ) and my bank, Bank of America, failed to notify this suspicious activity up until the 18th transaction. I called Bank of America on the same day to open up a claim while the transaction was on Processing and they did, but on XX/XX/2021 I received a message that my claim was closed, with the result being me not getting my money back. I called again and was told to submit my previous transaction with both of the companies ( because Ive had previous purchases with both ) through FAX. Then on XX/XX/2021 I received the same message, my claim was closed and I wasnt going to see a single cent. It was obvious that I didnt spend a single dime to both XXXX or XXXX, but I assume that Bank of America didnt even bother looking deeply into the claim. I called XXXX on XX/XX/2021 and they told me they couldnt provide me with the details of where my money went because of customer security ( even though it was my personal debit card being used ), but they would be able to provide my bank with the details. I believe my claims were denied because I accidentally authorized an XXXX payment of {$29.00}, but I quickly reported this accident. The reason why I accidentally authorized the {$29.00} transaction is because I had been emailing XXXX about a different product I never received, so I thought they were doing what some companies do and take some money from my account, but then refund it right after. Never did I think the {$29.00} was going to be the XXXX transaction of the {$3900.00} total taken from me! I later received a refund from XXXX on the next day, XX/XX/2021 of {$840.00}. I thought it was my bank working to get my money back, but I guess that was a wrong assumption because Bank of America was also confused as to why I was getting refunded some money. The person I spoke to from Bank of America seemed to allude that I was in on all this ( maybe suspecting me of fraud ), which is something I was personally offended by. Something I forgot to mention is that XXXX gave me a total loan amount of {$1500.00}, therefore there would have been no way that I would been able to spend the approximate {$3500.00} that went directly to them.

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 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX  XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX , XXXX Acc # XXXX *XXXX XXXX XXXX Acc # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Mr. Cooper Group Inc.
State: WV
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:
Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. XXXX and XXXX still show the following : XXXX. XXXX as past due and in Collection. XXXX was Part of my DischargXXXX 2.Nationstar As past due and in Collection. Nationstar was part of my Discharge XXXX XXXX as past due and in Collection. XXXX was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.

Company response to consumer: Closed with explanation