BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX & XX/XX/XXXX. Went to XXXX for Trans Union report. Filled in form, clicked to get report and got a TransUnion page that said : ( light blue logo ) '' TransUnion '' " Welcome, XXXX XXXX '' ( my name ) ( bold black letters ) '' System Error '' ( in red ) " We are experiencing technical difficulties. '' What to do : try again later call XXXX or request by mail After several attempts, retyping my personal information each time, I got the same System Error. So I called and asked when the system would be fixed. Nobody could answer and nobody even cared about the problem, they only asked for my personal information. I got transferred to different personnel who also didn't know or care about the system error. Some offered to send a paper copy of the credit report, but I want a digital copy. Finally I was told to talk to the 'credit monitoring ' dept, who would know about the web site. They didn't and offered to send me back to the main phone number. When I asked for a supervisor, they hung up the phone. So far I've spent much of two days to get a report that should take 5 minutes.

It seems that nobody can get a credit report from TransUnion due to a System Error, and the company is not at all concerned about it. 

Every year some of these reporting agencies make it very difficult to get my free credit report. They claim that they were unsure of my identity sometimes, although they've been tracking me for many decades. Always some excuse.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 called or messaged XXXX, XXXX and Transunion 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not possible.

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 2020-04-24
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I wrote a dispute letter to Equifax regarding an invalid collection account that is reporting on my credit reports. Specifically, the letter reads the following : Dear Customer Service Representative, I recently viewed my credit report and see you are reporting incorrect information. 

I never had a collection account with 06 XXXX  Acct # XXXX. Please delete this account from my credit report and send me an updated copy showing the results. 


As of XX/XX/23, I have not received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX I deposited {$500.00} in my bank account. Partial Cash and Partial Check. The cash cleared immediately while the check funds were on hold. Despite the funds being in my account on XX/XX/XXXX Citizens Bank charged me {$170.00} in overdraft fees and charges and refused to waive even one of those charges. This happens on a regular basis and they have charged me nearly {$2000.00} within the past year. Citizens continues to maliciously manipulate my funds in order to charge me additional fees. If for some reason I accidentally fall short I immediately put funds in there the following morning. Citizens will then immediately charge me an overdraft charge of {$35.00} and take whatever funds I deposited in my account. My ledger constantly changes and charges move up and down the deposit line how Citizens Bank see 's fit. They then blame it on the merchant. I go to the same places daily and deal with the same people daily. The merchants are not the issue here. Citizens Bank is the issue. They are the most deceitful bank I 've ever had the displeasure of dealing with. Their employees are extremely rude and unhelpful and I for one am tired of being treated like a second class citizen just so I have the ability to pay my bills online. I find their way of conducting business bordering on criminal and their fees are highly excessive. They manipulate your funds so that they can maximize the fees they charge you. So instead of one fee they will manipulate your funds so that they can charge you three instead. This company must be dealt with immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020, i told Cash Store, that i will have to default on the loan, due to finational issues. They stated they are still going to remove it using my debt card info. I asked to remove my payment information. They told me no. I had to change my Debit card number. On XX/XX/2020, the cash store removed the amount of XXXX, from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I made a payment as advised independently of over {$300.00} plus to close out this account as advised. After making this payment I was denied having my account closed because they said that I was supposed to let them process the payment but, I told them it made no sense because the payment already was processed. Now I called because they are sending me statements to seek assistance with the balance since Im not working but, when I called the representative told me that I can not get any hardship assistance and I now owe a balance of {$230.00}. I start out with a card of XXXX XXXXXXXX {$400.00}. This company appear to be doing fraudulent transactions. I ask for a manager every time I call and they say that the manager is never available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received a permanent credit and a refund check in XX/XX/2019 from Home Depot/Citi ( see attached files ) and the credit was reversed approximately 7 weeks later. Citi is not complying with the Fair Billing Credit Act regarding disputes and timelines. In addition, they are not following their internal processes/procedures as stated on their webpage for disputes and conditional credits ( see attached documentation ).

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 2019-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I used Chase Bank XXXX to send {$300.00} to another XXXX account to pay XXXX " XXXX '' XXXX for a service. Today is XX/XX/2019 and I have not received the service. I can no longer get in touch with this individual and was defrauded into sending the money. Chase Bank has been unwilling to help with a refund or any support with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-  XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-26
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 around XXXX, I was using my PayPal account to make some purchases online. I noticed a subscription service that I no longer wanted so after finishing my purchases online I went into my account and decided to end the debit card associated with these unwanted purchases and order a new debit card. Immediately my account was permanently banned without warning and all my funds XXXX XXXX XXXX were locked to my knowledge indefinitely. After calling to speak with customer service they informed me that my account had been permanently banned for fraudulent activity and I had broken policy for using a XXXX  service while accessing my PayPal account and that it would have to be reviewed whether or not my account can be unlocked. The thing is I have received direct deposit to my account for the last 8 months from my employer. I have proven my identity to the PayPal representative and I have not done anything fraudulent. I have had my XXXX  active while accessing the account the entirety of the accounts life. Then, suddenly, without warning, I am breaking their policy and my funds are no longer accessible. Because of this my livelihood has been affected and my finances are pushed back weeks. When I got off the phone with customer service they told me to wait for an email explaining what the review on my account has decided and they have not emailed me at all. It has been 5 days since I was supposed to receive an email and I was told it would be no more than 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: SC
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:
Experian not only breaks the law-605B FCRA, by not blocking fraudulent information after i meet all my obligations. They have not admitted it directly, but they are accusing me of lying. 
They claim to be able to break the law and harm me irreparably, simply because i removed a credit freeze. Experian is not correct, i have letters from the entities saying they agree with me. Experian did not comply with any of the 3 parts of 605B FCRA- A or B or C.

They did not block any info according to A, they did not notify the entities i requested a block or i filed an ID theft report according to B, and they refused to block info and claim 1 of 3 happened according to section C, instead of specifying which happened as the law requires.

To sum it up they just simply break the law and don't follow any parts of the law even there's the law that says they have to follow all 3 parts. They just disregard the entire law section 605B of the FCRA. That is completely wrong and they need to follow the law.

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 2022-04-29
Company: EQUIFAX, INC.
State: TX
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 blocked my information because I had identity theft. Sent all docs needed prior. Every so often they lock me out of my account stating its an internal block because my name and address has not been verified. However, I have sent utility bills, my license, verified my social security number, etc, where my name and address are very visible. I held in the office for an hour to speak to someone, after verifying my name, social security number, date of birth and address, she proceeds to tell me I cant dispute inquiries on my account, I need to file a police report or prove it wasnt me. She then got upset because I asked her to provide me with original documentation showing where I gave these entities authorization to pull my credit report, because I have not! She tried to argue with me, got mad because I asked for a supervisor, left me on hold 20 minutes, then transferred me to an automated system asking questions about my call and hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
Hi I recently opened a new CreditCard with XXXX ( its an XXXX card ) and received a letter from XXXX 's stating that I can get my free credit report within 60 days from Experian. This letter contains a phone number ( XXXX XXXX XXXX ) from where I can get my XXXX free ) credit-report on which this card was based. I tried calling this number and didnt find any option for my case, as a result my call gets terminated and there is no option to talk with an agent. This is so frustrating and completely against Fair Credit Reporting Act that I can not get a copy of my credit report, can you please help with this. 

thanks 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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX  Transunion and XXXX  are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )

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 2020-02-20
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this debt with the credit bureau and they said I owe it which results in the 2017 XXXX  data breach the credit is name LVNV funding acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Since the massive XXXX data breach, information is showing on my Trans Union, XXXX and XXXX  credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX/XXXX, $XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXy, $XXXX, XX/XX/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 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was told to contact this company to request a proof. I have contacted them & they have provided no information. FDCPA 809b requires this to be deleted until validate. I have requested validation and they have not produced it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

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 2022-03-21
Company: CITIBANK, N.A.
State: WA
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:
XX/XX/2022 opened costco citi bank visa credit card Starting that day I received multiple calls each day from a company called credit national assist about an online request for financial help over the next 2 weeks XX/XX/2022 my identity was compromised and an account opened in my name with 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 2020-02-20
Company: College Ave Student Loan Servicing, LLC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
2 payments were missed, XX/XX/XXXX and XX/XX/2019. The payments were supposed to be directly debited from my parents account after the initial payment in XX/XX/2019. Once the error was corrected, the loan has been paid automatically on time ever since.

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 2020-02-20
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice that my credit report had changed on XXXX and found that a company named Southwest Credit Systems is trying to collect on a debt that I do not owe. They can not prove I owe it per the Fair Credit Reporting Act. I have received no correspondence in the mail. It says this is for utilities and I have never been late on any utilities.

Company response to consumer: Closed with explanation