BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
We reserved and paid {$3100.00} dollars to XXXX XXXX XXXX XXXX , XXXX on XX/XX/2018 for out 15 days tour to XXXX starting XX/XX/2018. XXXX XXXX XXXX went bankrupt after its licence to do business in XXXX was cancelled and we never got the services we paid for. We requested several times with our credit card provider Citi Cards to reconsider our claim to get our refund, but Citi Card rejected and closed the claim. My two sisters in law was going with us in the same tour date, but purchased the tour with a different credit card company and was fully refunded with out any issues, delays or problems.

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 2019-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I downloaded the certified letter that I sent to XXXX XXXX which explains in detail what I'm disputing. Briefly, I bought ~$40 worth of items from XXXX XXXX in XX/XX/XXXX and used my XXXX   card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX andXX/XX/XXXXstatements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: IN
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:
Account Name on Experian is XXXX XXXX XXXX XXXX Account Name on XXXX is XXXX XXXX XXXX XXXX Account Name on XXXX is XXXX XXXX  XXXX XXXX XXXX Account Number on Experian is XXXX, Account Number on XXXX is XXXX  and Account Number on XXXX is XXXX ... XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I downloaded the certified letter that I sent to XXXX XXXXt which explains in detail what I'm disputing. Briefly, I bought ~$40  worth of items from XXXX XXXX  inXX/XX/XXXX and used my XXXX card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XXXX and XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXXafter the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!

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 2019-08-19
Company: Experian Information Solutions Inc.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-08-24
Company: Affirm Holdings, Inc
State: OH
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:
See attached & Affirm needs to stop marking my complaints as duplicate because they are not duplicate complaints. If you see attached you will see the complaints are different notices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I went into a branch and made my payment. The account had a XXXX balance and it was just paying a annual FEE. I told the manager that I was told the money was supposed to be with drawn from my savings account which has plenty of funds to pay the 1 time {$25.00} fee they charge me a year. I told them to please pay my account and any Fees if had any. They took the funds from my savings account and said I had a XXXX balance. 2 months later they said I did not make my full payment and charged me another {$58.00} dollars and took it from my savings again and reported me late to the credit agencies.

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 2018-08-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Was charged a late fee on credit bill with due date XX/XX/XXXX, paid on XX/XX/XXXX. According to Credit Card Act if due dates falls on holiday payment maybe made without penalties if received by next business day by XXXX. I have now been assessed late fees and penalties because of this payment, and owe {$67.00}. I believe these fees and penalties are illegal and I don't owe them.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a document to Transunion requesting verification of several accounts on my credit report which I feel are being reported inaccurately. 
Since that time, I have sent 3 additional letters requesting that they verify the debt they are reporting, which they still have failed to do. 
Because they refuse to provide the required information, please direct Transunion to promptly remove these unverified items from my credit report. 
I have attached copies of all letters sent. 
Thank you very much for your help.

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 2023-11-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Truist is refusing to close my account and let me withdraw my funds from my checking and savings account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed on XXXX and I had a Checking account, a savings account, and a credit builder account. My savings was migrated to my checking they say anyway but I ask for transaction statements they won't send them to me. But I received the check for my checking account and cashed it already. Now my credit builder account also had money in it when they closed my account but I never received the check for that one. It's been over 3 months now I've been calling and emailing them everyday to try and get a new one issued and sent to me but haven't been able to get anywhere with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 tried multiple times to get fraudulent information off of my TransUnion report and the information keeps coming back verified. How can you verify fraud? I constantly get the run around and what they will do is they will update the date the account was opened and say thats how it was verified. How does that matter it is FRAUD. I have a FTC Report, Police Report I will start calling the White House until someone figures it out

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 2020-10-26
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an alleged debt with National Credit Adjusters to all three credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus validate how the alleged debt was verified on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting they validate the debt ( per the FDCPA ) by providing the following information : -an explanation of what the alleged account balance is for -a calculation of this balance including the complete payment history on this account -documentation that shows I agreed to pay this debt -the agreement that grants them authority to collect on this alleged debt -a copy of their state license including the license number. 

However, as of XX/XX/2020 I have not received a response or validation of the alleged debt from National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Our school closed while I was enrolled and was unable to complete my program because of the closure. I sent XXXX / Navient a completed school closure form to get the loan discharged. I did not receive a written response from the debt collector and only upon collections did they state the school did not close and the dept was not discharged. Here is the info from the Dept of Education Closed School Report : The school was closed officially XX/XX/XXXX OPEID # XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX CALIFORNIA - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. I was notified that classes were no longer available in XXXX on XX/XX/XXXX. Once the school made the announcement, I was never sent a Teach Out notice or letter via mail or e-mail, or any correspondence. I contacted them in XXXX and they said they are working on a program but I was never contacted again. I am nine units short of my degree. If I transfer to any other program, the minimum residency requirements are generally 30 units. I owe nearly {$30000.00} for a closed program without a degree that should have been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
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:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 1. XXXX XX/XX/XXXX 2.XXXX  XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX 4. XXXX  XXXX  XX/XX/XXXX 5. XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX 6. XXXX XXXX/XXXX  d XX/XX/XXXX 7. XXXX  XXXX XXXX  XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX  XXXX  XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX  XXXX  XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XXXX  XXXX  XX/XX/XXXX 16. XXXX/XXXX  XXXX  XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Global Lending Services LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
GLOBAL LENDING SERVICES on XX/XX/2022, did not have my permission to pull any report on my credit report, they unlawfully validated my right by not following or complaining the FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged so many overdraft fees over the past two years ; its insane, like my account will have enough money in my account, but the bank will be slow at processing, or they will make a mistake, as a result charging me an overdraft fee. Its awful and puts people further into a hole. I have been charged over {$1000.00} in overdraft fees and everytime I call the bank tells me that nothing can be done. It is so unjust that banks can do that. I have attached how many overdraft fees I was charged in ONE MONTH alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Armor Systems Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX {$4.00}, PAY OFF XX/XX/2018 C/C {$480.00} DID I CALL, THEY SAID THEY WOULD TAKE CARE ALL READY, BUT IT STILL SHOWS IN MY REPORT. THE OTHER ACCOUNT IS ARMOR SYSTEMS CO, WHICH I PAID BUT IS STILL SHOWING AS UNPAID.

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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have furnished TransUnion with my identification documents : ( birth certificate, passport, gas bill, and social security card. ) I have presented this information in every correspondence I have sent this corporation since XX/XX/2021. TransUnion just sent me a letter dated XX/XX/2021 but not postmarked until XX/XX/XXXX, that they can not process my request because their corporation doe not have my documents.

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 2023-11-01
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
On XX/XX/2023. I XXXX XXXX and account holder at Citi Bank purchased an official bank check. The check was in the amount of XXXX dollars made of too XXXX XXXX, my landlord. Short story, check was stolen in the mail and was cashed somehow. 
As of XX/XX/XXXX, I was informed that the check had not arrived. I immediately went to the branch to report it and I was told that I must wait some time to see if it arrives in the mail. I returned to the Bank Branch on XX/XX/XXXX now I was told that the check was cashed. I made a verbal complaint to the manager that my payee did not cash the check. I was again told that i have to wait to see where the check was cashed. Finally on XX/XX/XXXX an affidavit was filled. But i still have yet to have anyone reach out or any confirmation of this investigation. My funds are supposed to be guarantee with the purchase of a bank check.

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 2018-02-27
Company: EQUIFAX, INC.
State: OH
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 sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX  Transunion received its second complaint in regards to incorrect reporting on my credit file. Transunion has failed to comply with 15 USC Section 1681n and 1671o. 
XXXX Account XXXX and others. Transunion was notified that all XXXX XXXX are XXXX XXXX  of Texas, PA account associated with the XXXX XXXX and were paid by the XXXX. Under the XXXX XXXX XXXX XXXX of 2018 " Prohibiting medical debt that should have been paid by the XXXX to be reported as part of a veteran 's credit history. Yet Transunion continues to report these XXXX. accounts under my name and my credit report. 
XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX The credit bureau has the settlement from a court hearing were the loan is considered paid in full and can not report me to the credit bureau. Transunion continues to ignore the court order and reports this account as charged-off. 
XXXX XXXX Acct XXXX Transunion has the letter from XXXX XXXX  that they were unable to properly identify me as the holder of the account. A police report, a criminal identy theft case was filed with XXXX XXXX XXXX as the letter stating which caused XXXX XXXX to be unable to destinguish me from the fraudulent party. Yet Transunion claims the Account was verified, when XXXX XXXX  said it can not verify the account due to the police report and the identity theft. 
XXXX XXXX  A police report, a criminal identy theft case was filed with XXXX XXXX XXXX  as the letter stating which caused XXXX XXXX to be unable to destinguish me from the fraudulent party. Yet Transunion claims the Account was verified, when XXXX XXXX said it can not verify the account due to the police report and the identity theft.This is the same account as XXXX XXXX, just resold. 
XXXX XXXX XXXX. 
The original creditor XXXX can not verify the account since they can not find the original agreement of credit. Yet Transunion falsely claims the account was verified. 

Rather than remove the items Transunion wants my dispute to confirm to its automated system rather than actually verify the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation