BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/19, I opened a new credit card account with XXXX XXXXXXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted XXXX on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and XXXX had no remedy for me. I also contacted XXXX XXXX XXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on XXXX and Trans Union and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.

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 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I opened a {$250000.00} Home Equity Line of Credit ( HELOC ) with Union Bank about a year ago. I hoped to use the funds to pay for a long-needed backyard renovation. I set up automatic electronic payments though my XXXX XXXX XXXX checking account and the process had gone exceedingly smooth until the takeover by US Bank. US Bank has failed to consistently apply submitted payments to my HELOC account, as will be demonstrated below and in the attached document, and as a result has my account in a locked paydown status. If US Bank had consistently applied the payments they received from me, my account would not have met the standard for paydown status and therefore should be reopened immediately. 
It is highly understandable that when two big complex organizations come together, there will be issues, inconsistencies and things falling though the cracks. US Bank clearly has these issues but have failed to own up to them. I have met at least three times with the Branch Manger at the XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) and another three times with his colleague XXXX XXXX ( XXXX XXXX ). Both have made a dozen calls within their organization to advocate on my behalf, without success. The consistent message has been he is responsible for keeping the account current and once an account is in paydown status there is nothing we can do ; you would need to apply for another HELOC. I would agree that it is my responsibility to keep the account up to date, but would add that US Bank has a responsibility to credit payments to my account when they receive them, and they have a responsibility to have a smooth handover when acquiring another institution. This is the dispute between the bank and I. I dont believe its my responsibility to overcome their inconsistency and operational clumsiness in merging with Union Bank . I ask for your help in applying some reasonableness to the situation and returning my account to good standing. 
The below is a log of payments made to Union Bank via XXXX XXXX  XXXX electronic transfer bill pay to Union Bank Account Number ending in XXXX. All payments were submitted in the exact same manner, payee, and account number. 
Date Amount Status XX/XX/XXXX {$1300.00} Credited XX/XX/XXXX {$150.00} Credited XX/XX/XXXX {$1300.00} Credited XX/XX/XXXX {$5000.00} Not Credited Returned 26 Days later XX/XX/XXXX Changeover from Union Bank to US Bank XXXX {$1300.00} Not Credited Returned 11 days later XX/XX/XXXX {$1300.00} Credited t XX/XX/XXXX {$1300.00} Not Credited. 
XXXX {$1300.00} Credited to my HELOC

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 2023-03-02
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:
To whom in may concern, Thank you for taking the time to help me out with this matter. 

This case concerns Citibank/Citi.com 's unwillingness to assist me with a dispute they incorrectly filed and closed. 

I called Citi to get some help filing a dispute because their website was glitching. One of Citi 's representatives filed the case incorrectly, and no proof was submitted. I called multiple times in XXXX, and multiple agents repeatedly told me that a correction would be made and I would have a chance to submit supporting documents, and the dispute team would contact me. But to my surprise, the case was closed. 

After contacting them multiple times, again, and submitting all the proof, they re-opened the case. But today, on XX/XX/2023, Citi closed the case with incorrect info, saying I've received the full refund already when I clearly haven't. The image " Citi Denied '' should show how Citi 's statement about me receiving the full refund is incorrect ; it even shows that on the PDF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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:
In late fall of XX/XX/XXXX, I received an offer in the mail saying I pre-qualified for an HSBC Cash Rewards Mastercard and that if I applied before XX/XX/XXXX, I would receive the card whose benefits included a {$150.00} Welcome Bonus for spending more than {$500.00} in the first 3 months. On XX/XX/XXXX, as per the invitation 's directions, I applied for the card by going to us.hsbc.com/cashrewards  and putting in the Invitation Number XXXX. I soon received a letter ( dated XX/XX/XXXX ) saying I was approved. However when I received the card on XX/XX/XXXX, the information accompanying it ( dated XX/XX/XXXX ) said the " {$150.00} Welcome Bonus would be rewarded after I'd spent {$2500.00} in the first 3 months NOT the promised {$500.00}!! I immediately called HSBC on XX/XX/XXXX and again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request the error be corrected. Each time, the representative ( some of their names are XXXX, XXXX, XXXX, XXXX ) promised to call back within 24-48 hours but NEVER DID. I did spend the {$500.00}, well within 3 months. On XX/XX/XXXX, I talked with XXXX via HSBC 's Chat Support. XXXX said that I would receive the bonus after 3 months. But that never happened. In XX/XX/XXXX, when I called AGAIN, the representative said the office that handles rewards claimed I didn't use the Invitation Number. But I did. YOU CAN'T APPLY WITHOUT ONE. Literally. The website screen is a blank space for the Invitation Number. They also said I would receive a letter from " the office '' explaining this. But I never did. This " bait and switch '' promotion is unacceptable. I only applied for the card to get the {$150.00} Welcome Bonus. I NEVER would've applied for the card had I known it required I spend {$2500.00} in 3 months instead of {$500.00}. My documentation includes : PROMOTIONAL OFFER ( which indicates a Welcome Bonus for spending {$500.00} ), CARD PAPERWORK ( where they switched to having to spend {$2500.00} ), SCREENSHOT OF CHAT WITH XXXX ( where he says my bonus is coming ), SCREENSHOT OF WEBSITE ( which shows you have to use Invitation Number so they are lying when they claim I didn't!! ) Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I was approved {$200.00} as a title loan from the address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. I didn't pay back the loan, but I allowed this company to take my vehicle as collateral XXXX XXXX XXXX. I moved from the state and was followed and harassed by this company. This company repeatedly bad mouth me on social media. This company has stalked and harassed the references I provided. I have not dealt with this company in over a decade but currently today this company harasses me and my friends and family which are the references I provided. There was a recent incident XXXX this company tried to impound my XXXX  XXXX and I didn't borrow or even apply for a loan. This company recorded the entire ordeal. If this continues, I will go to the authorities. I do not want any further dealings with this company unlawful practices and I'd like to take further legal action. I want my profile deleted and my information not sold. It took me so long to file a complaint because I couldn't pinpoint where the harassment was coming from until I read an article about the company unethical practices to others. I consulted with my family and friends and came the conclusion of Titlemax title loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-02-18
Company: W&A Intermediate Co., LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was working for XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXX XXXX On The Job and Went through Workers Comp and was paid and told by my Attorney XXXX & XXXXXXXX XXXX XXXX XXXX ) That ALL MEDICAL BILLS Would be paid for and not to worry XX/XX/XXXX a collection debt appears on my credit report stating I owe {$1000.00} dollars from a debt collection called Wakefield & Associates I dont own this collection when I was seen through workers comp I have documents showing proof and Ive been trying to get this removed immediately off my credit report because its hurting my score to even purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went to a location to get my car serviced, I was told my car needed major repairs. I was then given an extended line of credit. 
I believe my car did not need all the repairs they claimed it needed. I also believe they only did the repairs due to the credit they offered me. 
I was never shown any defective parts. Currently my car is not running and my engine is not working. 
I want them to stop demanding money from me and stop reporting this on my credit.

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 2023-08-05
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CAXXXX ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1900.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$520.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: DE
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:
XXXX blocked and deleted these accounts and updated my personal information. 

See attached for removals from XXXX. 
FTC report. 
Drivers License Along with previous ignored complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: AES/PHEAA
State: AL
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:
In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late far purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Their investigation did not fix an error on your report

Complaint:
Each of XXXX Credit Bureau 's received credit report updates on my student loans Theyve been paid off My credit score did NOT XXXX up like many others I continue to have a score thats classified as " poor '' and below 600 and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, Equifax and XXXX show me LATE on XXXX student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer XXXX system let that inquiry happen but they also concerned about XXXX policy. 
Every single time I request credit access into Equifax, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk XXXX a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me XXXX minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own Equifax reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on XXXX years for XXXX business and XXXX years for a NY XXXX credit company I worked at as a part time Temp XXXX yr after graduating high school!!!! 
Another is XXXX I had a on job complaint XXXX case with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
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 received a credit card in the mail today. It is a Chase Visa Southwest rewards card. I did not apply for this card. I do not want this card. I called Chase to let them now. They said they would closed the account, but they would not remove the initial credit pull or the opening of the account. 
I do not believe that is the right thing to do because I never applied for this card. Ive worked really hard to have the credit that I now have and I do not think it is fair that a company can open an account in my name, fraudulently, and not remove all traces of said account when notified that they were not authorized to use my information. 
All Im asking for is that the card be closed and all traces of the application and issuing of this card removed from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
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:
I have an erroneous account with XXXX XXXX XXXX on my Equifax credit report. I have requested investigation of that account in XX/XX/XXXX and XX/XX/XXXX. Equifax made an investigation and somehow verified an account. I contacted creditor directly in XXXX, but they didn't respond. 
I wonder how Equifax verified this account if company is not registered in Florida ( I looked up at XXXX Florida official web site ). However, I have sent follow up letter to the creditor demanding to validate that their account belongs to me. I also will attach proof of sent letter to the creditor and the first validation letter.

Company response to consumer: Closed with explanation