BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate XXXX  unverified things on my credit report XXXX  this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all XXXX  them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX XXXX  THE XXXX XXXX breach XXXX  may have gotten into the wrong hands.

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 2018-01-19
Company: GRANDE HOMES INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance loan, to buy out a partner. The mortgage lender has been insisting I don't live on the property due to the fact that I have a XXXX. XXXX. They inquired about my divorce of 5 yrs ago and a paternity case where I was awarded legal and physical custody of my son. In their findings they concluded I don't live in the home. They decided not to raise the APR due to their findings instead they told me they would reduce the loan amount by {$50000.00} because my credit rating dropped when they learned I'm a XXXX XXXX and I don't make enough money XXXX XXXX. Yet, today in a phone conversation with XXXX at GHI she admitted I made enough money to pay two mortgages which I have been paying on time for the last 5 years, the other mortgage is part of a divorce settlement where In lieu of child support and Alimony I pay the mortgage. 
I applied for this loan prior to the XXXX holiday, I have been dragged along for two months on this loan process. I feel their practices are unethical and illegal. My personal life should be a private matter that has no effect on my income and my potential to make my mortgage payments as usual. I have a full time career of 20+ years making a six figure income consistently for the past 16 years. This is not the first I have been mistreated by lenders or escrow officers. These XXXX feel they have the right to vindicate another XXXX regardless of the courts decision and facts surrounding the courts decision. This is gender discrimination, but no court or government entity is willing to enforce the law equally and fairly when it comes to XXXX  breaking the law. They're licenses should be revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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:
Hello, there is information on my credit report that is false or fraud. 

On my transunion report it states that I reside or have resided at XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never been associated with this address. 

This is fraud and must be deleted as I have never lived, or been associated with whoever lives there.

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 2020-08-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking and savings account with Citibank NA with a promotion saying I'd get XXXX $ for depositing {$15000.00} and an additional {$100.00} for direct deposit activity. I also received a notice saying if I performed a certain number of bill pay and and debit card transactions I would receive XXXX XXXX XXXX miles. 

I opened and funded the account on XX/XX/XXXX. On XX/XX/XXXX I received an email confirming I had the XXXX miles promotion attached to my account and told me what debit card and bill pay activities to complete. Then, on XX/XX/XXXX I received confirmation that the {$500.00} promotion was on my account and gave me instructions on seperate activities to complete to get the {$500.00}. On XX/XX/XXXX, I went into the bank to ensure I had performed the correct activities and the teller confirmed my balance and said I would qualify. 

As a result I left over {$15000.00} in a new Citi checking account. On XX/XX/XXXX, I was told I had both promotions correctly on my account and met criteria but would need to wait for the miles and dollars to be credited. I then confirmed this again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to follow up so many times because each time I was told I'd receive the XXXX $ bonus a different date. I finally escalated the issue and was told on XX/XX/XXXX a case would be opened, I was told that case was resolved in my favor and I would be credited {$500.00}. I kept over XXXX dollars in my account this whole time to be sure. 

Then XX/XX/XXXX - I was sent a letter with no explanation saying I would no longer receive the {$500.00} after I repeatedly left funds in the account because Citi confirmed I would receive the bonus. They lied about a promotion to gather deposits to support their bank at customers expense.

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 2020-09-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Chase XXXX credit card and it said that I was declined even though I have a XXXX credit score. It says i have a derogatory relationship with them but that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
The XXXX has refused to remove a derogatory account from my credit report although I have repeatedly told them that what they have on my credit report is false and misleading. 1. The credit card they issued me had a limit of {$1000.00} and on my credit report they said it was {$700.00}. Secondly, I took back the refrigerator because it was not working properly and the cashier told me that I will see a balance of XXXX on the next bailing period. I felt that XXXX was a credible conglomerate and they were going to put the card back to XXXX but they didnt and the amount that should have went back to XXXX stayed on my card and went into delinquency and charged off.I have been trying desperately to have them removed it but they have refused to do so every time. I felt that I have been taken advantage of by XXXX because of my lack of knowledge as to what my rights are as a consumer. These people has ruined my credit and could careless about the damages they had cost me. My rights under the Fair Credit Reporting Act has clearly been violated by XXXX. I am hereby asking the credit bureaus to delete this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am enrolled an income based repayment program. I work for a XXXX and my XXXX completed the public service loan forgiveness application in 2014. I have been making payments since that time. I renew my IDR annually and I ask how much longer until my loans are forgiven at that time. Last year I was told 6 years, this year I was told XXXX years! I spoke to a supervisor XXXX XXXX who stated I was enrolled in an income based repayment program but never the Public Service Loan Forgiveness plan and XXXX doesn't even handle that type of program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: SYNCHRONY FINANCIAL
State: FL
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:
I have been a victim of identity theft resulting in these following SYNCB/PAYPALXXXXCONN XXXX SYNCB/BANANA REPUBLIC XXXX XXXX XXXX XXXX  XXXX US DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX account being on my credit report this incident has ruined my life. I have also informed the company 's of these accounts

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 2022-08-13
Company: CADENCE BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bancorp South has been charging me overdraft fees even though I had the funds in my account to cover all spending. I have been going back and forth with bancorp XXXX for 5 months. Two of the overdraft fees were refunded back to my account as a " courtesy '', but I was told they will not be refunding any more fees that they unlawfully took out of my account. 
Friday, XX/XX/2022, my direct deposit paycheck did not post. I called my branch, and I was told " there is a glitch in the system '', and I was told my direct deposit would post by that night. My direct deposit posted a little after XXXX. I woke up today, Saturday, XX/XX/2022, and my funds have been removed from my account. I am without food and gas, and I am out of town. 
The XXXX from all of this has triggered my XXXX XXXXXXXX, and now I am dealing with XXXX XXXX XXXX XXXX from the XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was to added to a XXXX XXXX Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a XXXX XXXX Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from 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 2018-01-19
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, i signed a lease with sunlake at edgewater apartments. I received a derogatory mark on my XXXX credit report, stating that a collections account has been opened in the amount of {$6000.00} on XX/XX/XXXX. I know for this cant be correct, and i have to address it immediately. I did n't receive any mail indicating this or a verbal phone call. I would like for action to be taken to get this negative mark removed from all my credit reports and or set up arrangement to pay debt off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Bread Financial Holdings, Inc.
State: CT
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:
My debt owed to XXXX XXXX XXXXComenity Bank was settled in full on XX after meeting with XXXX. XXXX XXXX we agreed to settle the debt without any further help from the courts for {$520.00}. We spoke to the judge very briefly and I was given 30 days to pay the debt ( which I did ), and then a withdrawal would be filed. 

I paid the debt, the withdrawal was filed, but XXXX/Comenity Bank refuses to remove it from my credit report like we agreed upon and will not update the correct status of my account -- paid or settled for in full. They are reporting that I still owe them a full balance which is false. 

I've disputed multiple times since I've paid this debt with documentation from XXXX XXXX XXXX ( who deals with Comenity Banks debt collection ) and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE CREDITORS, AND CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT TO REMOVE THE FRAUDULENT INFORMATION, AND I DID XXXX WAS THE ONLY COMPANY TO REMOVE ALL FRAUDULENT INFORMATION

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 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX XXXX and they have my information united with my brothers XXXX XXXX as if I own his house too when I dont .I am ready to upload our documents to separate our information. XXXX XXXX XXXX is the one that owns the house for XXXX XXXX XXXX in XXXX, nj XXXX, Not me.

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 2018-01-19
Company: First Data Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from TransUnion has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.

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 2021-12-07
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I have a savings account with Barclays BankXXXX XXXX. 

The savings account that XXXX has neither offers checks nor provides any debit card for money withdrawals as it is an " only online '' savings account. This is how the product has been designed by XXXX. 

Now, considering " online transfer '' is the only way for money withdrawal, the bank has recently started troubling and harassing both me and my wife who holds savings account with the bank. 

Earlier we used to authenticate the external account by verifying through trial deposits that are initiated by XXXX account. 
Now, XXXX enforcing me to provide a bank statement. This is an issue for us as we transfer to most of the times newly opened accounts. 

When approached the bank, the bank has highlighted the reason for asking bank statement for external accounts as the security protocols. 
While I believe this is more looks like a way of holding funds for 30 days until the bank statement is generated for external bank accounts. 

I am filing this complaint against Barclays Bank for following malpractices and using the security protocols as the reason for holding the customer 's funds wherein the bank is now allowing me to transfer funds to newly added external bank accounts for 30 days ( until the bank statement generates ). 

Best Regards, 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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an email date XX/XX/2018 from XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX Illinois ) indicating that they had received my application for a line of credit from them ( for which I did not apply. ) I called to tell them that I had not applied for such line of credit. They informed me that the application was actually submitted by XXXX. I asked for contact information for this company and was placed on hold. The customer support person said she would consult with her Manager XXXX and get back to me. They never did. I called again this morning and spoke to XXXX and got the same response. I need to know who is applying for credit in my name without my permission.

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 2021-12-07
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I submitted a dispute on the XXXX XXXX platform informing XXXX of an inaccuracy on my credit report. XXXX has failed to remove a judgment which was satisfied after multiple cemail inquiries. I have made phone calls at least every other day since XX/XX/XXXX and have taken all possible steps to resolve the matter. The XXXX phone system refused to provide me with an agent or live customer service representative despite repeated requests on the telephonic system The amount of the judgment was over XXXX and it was satisfied. I provided XXXX with copies of the agreement between XXXX XXXX and the satisfaction of judgment. 

The company stated the dispute was logged since XX/XX/XXXX and assigned to an agent but no follow up correspondence. This has caused me great harm because we are trying to get an XXXX loan to begin to recover from the effect of COVID-19 on my business. This is disgraceful.

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