BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX under a promotion - 5 % back on up {$6000.00} in purchases. Two statement periods later and the bonus cashback still hasn't been applied to my account ( the base is 1.8 %, the bonus is an additional 3.2 % ). I last called on XX/XX/XXXX, and was told the bonus was on queue and would be on my account " soon '', but that this would be " escalated ''. I attempted to call again today ( XX/XX/XXXX ), but the hours on their website are invalid, and I was not able to speak to the company directly. Citizens Bank is not honoring the advertised promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
OnXX/XX/XXXX, I called XXXX customer service regarding to an issue with airline fee credit and membership fee refund. They opened an investigation with reference number XXXX. I talked to XXXX whose employee ID is XXXX, he promised to call me on XX/XX/XXXXto let me know the investigation results. I got nothing from him on the XXXX, so I called on XXXX and was transferred to his voice mailbox. I left a voice message and asked him to call me back but got no response from him since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
State: WV
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 was charged for services that were shoddy workmanship and an unfinished job. Although I have pictures, text messages and a letter from my attorney XXXX XXXX XXXX XXXX card that I opened explicitly for this purchase refuses to stand behind me as a card holder and keeps denying my disputed amount of $XXXX.  After researching I have found countless other complaints that Citi will never side with the consumer and always denies claims. I will never own another Citi credit card and I urge other's not to as well. I have attached the letter from my attorney here.

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 2017-07-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I had submitted multiple disputes in regards to a duplicate account that TransUnion has failed to investigate. 


I recently received a copy of my Transunion credit report. The credit report showed that there was more than one account with XXXX under various company names. My records show that I have only one account and it's XXXX and not XXXX. Both accounts share the same account number. 


The following is a list of names and account numbers that I are duplicated. This is the exact reporting of the data. These variations of account names and numbers give an appearance of more than one account. 

Duplicate Account Names Duplicate Account Number XXXX XXXX XXXX XXXX Please take what steps are necessary to report the one account that I have with the creditor and delete the other one. This reporting error is negatively affecting my credit rating. 

Please correct this error as soon as possible. Please send me notification when it has been corrected since it is negatively affecting my credit. 

Thank you for your help. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2022-02-05
Company: DISCOVER BANK
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by DISCOVER FINANCIAL SERVICES ( XX/XX/2021 ) ), and I have no recollection of doing any business with DISCOVER FINANCIAL SERVICES. I contacted DISCOVER FINANCIAL SERVICES and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in the system that violated the rights of the consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as as result. 
No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 2022-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAPITAL ONE AUTO FINANCE ( XX/XX/2020 ) and I have no recollection of doing any business with CAPITAL ONE AUTO FINANCE. I contacted CAPITAL ONE AUTO FINANCE and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: AMERICAN EXPRESS COMPANY
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
My card was taken and charged under false pretenses, fraudulently, and without my permission. I immediately contested the charge, and have repeatedly explained the circumstances that occurred to American Express. In my most recent attempt, I provided a letter recounting the entire history of the dispute and my multiple attempts to resolve it with American Express ( see first attachment ). In response, American Express provided the same generic response, attaching the same illegible " supporting documents '' that in no way support the charge or contradict the circumstances that I have described in a sworn declaration ( see second attachment ). In short, this is a fraudulent charge that American Express has repeatedly failed to reverse or to meaningfully address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt posted below and attempt to obtain pass due balance is false. I notified the company that the debt does not belong to me. To please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. 

When speaking with the CSR i was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. 

Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. 


DEBT RECOVERY SOLUTIONS , LLC Last reported : XXXX XXXX, 2017 - {$980.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XXXX XXXX, 2017 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 


Creditor Information DEBT RECOVERY SOLUTIONS , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I returned a leased vehicle in XXXX 2017. When I returned the vehicle, I informed the dealer that my address was not current, but he told me not to worry about it.
Today, I was contacted by a debt collector on behalf of Nissan Motor Acceptance Company. Because this was the first I had ever heard of any outstanding balance, I requested verification of the debt. The collector told me that they had sent verification but would not tell me to which address they had sent it. She directed me to NMAC.
I called NMAC and, as predicted, they had mailed the invoice for a {$400.00} lease disposition fee to my old address. Despite having my email and phone number, NMAC did not try to reach me by phone or email and did not recognize that their mail was being returned. Instead, the first contact I received about an alleged debt was from a debt collector. I am unsure if this has impacted my credit report, but I should not suffer harm because of NMAC 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In response to two medical debt collections, I sent a debt validation letter to Professional Placement Services , LLC via certified mail on XX/XX/22, the company received the letter by that following Friday XX/XX/22. In return, this company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I asked the company to please delete this information from my credit file and cease all collection activities immediately before it appears on my credit file.

Amount requested : {$86.00} Debt 1 : {$75.00} Debt : {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: REGIONS FINANCIAL CORPORATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
i was presented a large check of over {$40000.00} by the trustee of my family trust, the trustee is my step father and he used Regions Bank to handle the funds of the trust. the closest Regions bank branch to me is over XXXX miles away. so before traveling to the XXXX iowa branch i spent considerable time on their " green line '' trying to get through to a person so so i could get that branches telephone number. i spoke to a lady there named XXXX and gave her the details of the trust check including that the trust had liquidatedproperty and made out checks to my XXXX sibblings, and to XXXX of the trustee 's family that were double what my and my sibblings checks were for. this was on a wednesday. XXXX told me she would call me back on monday after she contacted their legal department to verify the info. i did not ever recevive a call from her and then on XX/XX/29 i called her back and had to leave a message for her to call me. over 2 hours later she returned my call and said that she had verified everything and there would be no problem giving me a {$40000.00} cashiers check and the rest in cash minus the fee for cashing the check ( {$20.00} ) and the fee for the cashiers check deducted from my cash. she thanked me for my patience and the 2 week advance notice. 
less than 1 hour later she called me back to inform me that they could not sell me a cashiers check because i was not an account holder and therefore would not under any circumstances cash the check for me. they know that i do not have a bank account as i am XXXX XXXX XXXX and have no job or income so no need for a bank account. 
this bank is refusing to cash a verified genuine check written on their bank and therefore are drawing interest daily on MY MONEY ( ie : stealing from me as they will not pay me said interest money that is rightfully mine. ) when a bank does not have to honor the checks from a customer because he does not have an account with said bank, but honored 5 other checks written at same time to mostly non account holders with their bank. ( one such beneficiary of this trust lives in Pennsylvania it ) is a breach of trust in the banking system as a whole. i now want all but the {$20.00} check cashing fee ( as advertised on their website ). in cash, i no longer wish to possess any of their banking products!

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 2017-09-13
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way.
The recent hack of Equifax and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2019, several transactions on my Chase checking account was fraudulent so I filed a report with Chase. Instead of helping me, Chase closed all my accounts and refused to have a banking relationship with me from then on. Then Chase froze all my money for a month and eventually sent me a balance after I had filed a complaint with CFPB. Now a month later, Chase tries to collect {$190.00} in debt that I have no idea where it came from. Chase said the balance was a result of a fraudulent transaction that Chase decided that I was responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03
Company: ML Credit Holdings, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I set up automatic payment drafting for my auto loan. I was instructed to read a form in the office which states that I give XXXX XXXX company permission to debit my account for XXXX each month, and they have done so each month. Today XX/XX/2019 the clerk charged my account XXXX, and told me that the corporate office is now shut down and that she's not going to do anything about the situation! The car needs XXXX worth of repairs so it sits in my yard undriveable, so she added gap insurance without my knowledge. Ok, i get it ... but I didn't agree for you to take that amount out of this bank account. How can she just take money that i did not approve of without my signature?! That's essentially agreeing to one thing then changing stipulations later without notifying the other party! Unprofessional and careless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX After your investigation is complete XXXX please send me the results via mail. 
Thank you in advance. 
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 non-monetary relief
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XXXX of 2021 Transunion LLC is submitting false information to XXXX XXXX. 

I stopped using my XXXX 's charge card because every time I used it, Transunion Reported to XXXX XXXX, my account was not paid on time, on the same day the charge to the XXXX 's card was transacted. 

XXXX reports wild information like my loan in creased by XXXX when no loans have been taken out or decreased by XXXX for who know why. 

This month Transunion is reporting to XXXX XXXX a XXXX account was closed, which I haven't had a XXXX account for 30 years. 

Transunion also reported in XXXX of 2021 by student loan payment wasn't made which was also false. 

Every month this happens I report the misinformation to Transunion and the credit report is fixed. 

This month Transunion lowered my credit score XXXX points because XXXX reported a XXXX decrease in student loan debt, who knows why, and someone reported to Transunion a XXXX account was closed, and like I stated above, I haven't had a XXXX account for 30 years and closed then Why did my score go down with these actions? If the reporting was factual my score would have gone up! 

Is Transunion LLC owned by XXXX BANK XXXX XXXX XXXX XXXX XXXX? 

Who owns Transunion LLC? 

How can I stop the fraudulent reporting by Transunion LLC and 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 non-monetary relief