BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: CITIBANK, N.A.
State: CA
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:
CITI BANK Citibank XXXX, XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX. 
ON XX/XX/XXXX TH 2021 I APPLIED FOR A CONSUMER CREDIT TRANSACTION WITH CITI BANK BEST BUY. I THEN RECEIVED A NOTIFICATION THAT I HAD BEEN ALLEGEDLY DENIED MY BIRTH RIGHT OF RECEIVING CONSUMER CREDIT BASED ON ILLEGALLY FURNISHED INFORMATION ON MY CONSUMER CREDIT REPORT. CITI BANK USED MY CREDIT CARD TO RECEIVE CREDIT BUT DID NOT EXTEND THE CREDIT TO ME.THEY FURNISHED MISLEADING DOCUMENTS SUCH AS A ADVERSE ACTION LETTER.ADVERSE ACTION HAS NOTHING TO DO WITH THE DENIAL OF CREDIT BECAUSE ACCORDING TO THRUTH AND LENDING I AM THE ORIGINAL CREDITOR..I AM THE THE ORIGINAL CARD ISSUER THEREFORE WHEN I EXCHANGE MY CREDIT CARD I SHALL RECEIVE SOMETHING OF EQUITY IN RETURN.I DID NOT RECEIVE ANYTHING.I HAVE BEEN ROBBED AND HUMILIATED. 
CONSUMER REPORTING AGENCIES HAVE NO RIGHT TO FURNISH INFORMATION WITHOUT WRITTEN CONSENT BUT THEY STILL WENT AGAINST FEDERAL LAW. 
ITS MY RIGHT AS A CONSUMER NOT BE JUDGE BY A SCORE, I AM A NATURAL PERSON WITH A OPEN END CREDIT PLAN .HOW IS IT POSSIBLE THAT THEY ARE ALLOWED TO COMIT THESE FRAUDULENT ACT WITHOUT BEING HELD ACCOUNTABLE. I WANT JUSTICE .I DON'T DESERVE TO BE TREATED LIKE THIS! 
PLEASE DON'T NEGLECT THIS MATTER I HAVE SUFFERED SERIOUS INJURY DUE TO THIS SITUATION I NEED YOUR HELP CFPB A FINANCIAL INSTITUTION CAN NOT DENY ORIGINAL CREDITORS TO ACCESS TO CREDIT. 
SINCERLEY, XXXX XXXX XXXX AM WHO I AM AND NO ONE OTHER )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: HILLTOP HOLDINGS, INC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We were approved for a Covid forbearance. At the end of the forbearance program we received acceptance from the Kansas assistance housing fund and a significant amount of funds were sent to XXXX and cleared. We are now a month later being told the funds can not be located and are now continued to be at risk of losing our home with zero resolution. Prime lendingXXXX XXXX has been absolutely awful in this process and now has lost tens of thousands of dollars that they can not locate even when being given specific check numbers, transaction numbers etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-13
Company: Paypal Holdings, Inc
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been a customer of PayPal since XX/XX/XXXX. Never had an issue. 

10 years on, they demanded more documentation to verify my identity, claiming authority under the Bank Secrecy Act. I proved to them that they were only required to " know their customer ''. They restored my account. 

In early XX/XX/XXXX I started to have issues with transactions. I discovered that PayPal is 1 ) dictating to sellers what items they can sell and 2 ) blocking my funds from being used if any item in a cart is not in stock. 

The seller was unable or unwilling to challenge PayPal after I authorized them to take ~ {$70.00} from my account and send me my items ( vitamins ). 

I waited weeks for this be resolved, but eventually was forced to call PP. I was on the phone negotiating for two hours, after a 35 minute wait. 

The issue is the same as in XX/XX/XXXX. They have locked my funds from going out, but they don't care if funds go in. They demand documentation that I can not provide. This time they are citing the Patriot Act.

I researched the Act and discovered that these verifications apply only to " new accounts ''. 

PayPal has stolen my funds. They will not allow me to buy or transfer. They refuse to close the account. 

On-line ROBBERY! 

Additionally, I documented where the balance stated was over what I knew to be actually available, which might have resulted in an overdraft, had I not been very observant. 

Additionally, the seller told me that PP will not show the cart discounts until after the transaction is authorized. This could potentially cause an overdraft, requiring a backup method to fill the gap, when there really isn't one. Either way, PP benefits as they have a guaranteed positive balance. 

I would appreciate an opportunity to discuss these details with an investigator. PP needs to be brought into court to get these thieving practices stopped soon. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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 fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: FIRSTBANK PUERTO RICO
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:
I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named Banco Santander Puerto Rico. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments.

Banco Santander Puerto Rico was acquired by Firstbank Puerto Rico on XX/XX/XXXX. During and after the acquisition I still having problems that Firstbank Puerto Rico continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month FirstBank Puerto Rico reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit 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 2018-04-13
Company: CITIBANK, N.A.
State: CA
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:
Citi Bank has a program called XXXX rewind where if within 90 days you find the same item at a cheaper price they refund you the difference. On XX/XX/XXXX I bought a leather recliner at my local XXXX for XXXX plus tax and went back on XX/XX/XXXX and purchased another. About 2 weeks later the items were decreased in price to XXXX and thats when I began the rewind process to be refunded the items. I sent what they required which was the receipt, the statement with items on it and sent a photo of the item on sale at the store, per information received from XXXX customer service agent. They can pull the recorded call from that day to confirm. The 1st submission from XX/XX/XXXX was approved and refunded but the second they said that the photo taken is unacceptable. So why was the first approved? Is it the customer mistake that he was give incorrect instructions on how to proceed with opening this claim? This has been going on for 6 weeks now and I am tired on getting the run around about the matter. As a loyal XXXX customer I would think there would be more consideration especially because we were told to to it this way, and now, 6 weeks later they say they need other proof, how!!????? If the product is no longer available????? I strongly request the call be pulled and listened to confirming what I am saying. XXXX  as a reputable company as XXXX is I would expect a refund as we requested and no more excuses of what the customer did wrong since I was instructed to provide a Photo of the product! Thank you for your attention to our respectful request.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. The following is the error that I have identified : XXXX  XXXX XXXX XXXX. Please remove this fraudulent account ASAP. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Also please take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2021-04-07
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to access my account with chime.com going on 3 weeks. I have sent roughly 20 emails with my ID and proof of address to have my online account unlocked because I think that I have been scammed on my bank account. I call everyday and I get the same answer every-time. They are very rude and not professional. Can someone with in your organization help me get some information and my money from this bank.

I have also submitted about 10 disputes that have not been worked or even reconized. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion 's online credit freeze portal has been down for close to A YEAR with zero changes made. Their phone tree keeps trying to get you to hang up and try to place a credit freeze on their website where SURPRISE : it doesn't work and you need to call them back again. The portal has been down since AT LEAST XX/XX/2019. 

They are dishonestly making it very difficult to add a security freeze.

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 2022-07-16
Company: EQUIFAX, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding a collection notice that I have received from Associated Credit services. This pertains to an XXXX XX/XX/XXXX bill for the delivery of my child on XX/XX/2018. XXXXXX/XX/XXXX was the provider for this service. I was covered on my own insurance by XXXX XXXX Member ID XXXX until the day my baby was born and subsequently me and my child became a dependent on my spouses plan on the day of her birth with member ID XXXX. 
XXXXXX/XX/XXXX failed to bill the right insurance member ID and hence failed to collect their fees in a timely manner. I was covered by my insurance, old and new through the entire course of these events and continue to be covered to this day. I have confirmed with my carrier that they have billed the wrong ID. I should to be penalized for a billing that was improperly submitted. It is not my job to take care of billing an insurance company. 
Subsequently they sent my bill to collections - Associated Credit Services who I tried to call and explain my problem. I asked them for a number to call the XXXX XX/XX/XXXX and they said they cant disclose the number and I should XXXX it and call them. I did XXXX but didnt end up having a person respond on the other end. I have called the hospital itself in hopes of getting directed to the XX/XX/XXXX billing department multiple times without response. The numbers I have called are XXXX and XXXX I called Associated credit services again and they said they are a collections company and cant help me with this. 
I have unfortunately not been able to speak directly to XXXXXX/XX/XXXXdue to lack of a contact number or paper bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is an inquiry more than a complaint. I accepted a 0 % promo rate for 12 months. I asked the credit card company to send me something in writing to confirm the final date for paying off the credit card at the 0 % rate. They said they can not send me anything in writing. The expiration date doesn't appear on my monthly statement. Aren't they required to at least put the rate expiration on the statements? Is there any law that says they can't send me something in writing to confirm?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief