BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from my credit monitoring app that my score dropped due to a new collection account. When I logged in, I noticed a collection from Medical Data Systems. I was not notified in writing from this company that they were going to put this on my credit and according to the Fair Debt collection act, I 'm supposed to be given ample notice and time to dispute and research the information. This company did not follow the rules that govern Fair Debt collection practices.

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 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED

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 2017-08-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
O
n XX/XX/XXXX I opened a Citibank Account Checking online where a promotion was advertised for {$300.00} for opening an account. There was a delay in processing the opening on Citi 's ed but the account was opened and it was confirmed on the phone that the promotion was attached to my account.
The terms stated : Within 45 days after account opening, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Savings Plus Account or Citi Savings Account and maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date you made your qualifying deposit.
Within 45 days after account opening, complete 1 qualifying Direct Deposit to your checking account or make 1 or more qualifying purchase transactions with your Citibank Debit Card totaling {$250.00}.
On XX/XX/XXXX I deposited {$15000.00}. OnXX/XX/XXXX I deposited {$340.00} and I made a debit purchase for {$250.00}. My statement ending XX/XX/XXXX shows an ending balance of {$15000.00} and I maintained {$15000.00} or more the entire time of the first 30 days since my deposit.
I have called and done live chat and I 've been told that my bonus is coming. Yesterday I did live chat and was told the back office was being contacted and that my bonus would post in 1-2 days. I will attach this live chat from yesterday. Today I received a letter that I 'm not eligible for a different bonus which required a $ XXXX deposit for {$500.00}. This is not the account I applied for.

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 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 reported that I was never late to credit bureaus and they have not updated this to show in their system.

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 2018-07-09
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) XXXX XXXX XXXX for my disclosure report and score. The CFPB 2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions 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:
This is a rebuttal to a previous complaint. 

i did not request to have collectors removed like you said in the last message ... did you even read what I wrote? 

I already did it myself!! What I want to know is how is it that I can remove items from my credit report but when i file a dispute with you all, BEFORE i tried removing them myself and you all rejected my dispute!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PNC Bank N.A.
State: AR
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 got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 2017-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XXXX XXXX /2017, a purchase was made at XXXX in NYC on a new credit card which I have never received for the amount of XXXX. After numerous calls to the Bank of America, letters, Police report, and proof I was at work in New Jersey on that day and send by certified mail to the fraud division in Texas. I asked for proof of signature and how the card was activated without my knowledge and proof security ( my home phone number ) I called the customer services/fraud division. Every time I got a different story.

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 2022-08-16
Company: Alorica 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 status incorrect

Complaint:
In approximately XXXX I received notification that possible fraudulent activity was reported on my SST Visa Credit Card. ALL transactions and statements were only done online with SST. I have had the account for approximately 16 years with no issues. At that time they shut down my online access " for protection ''. I was unable to reach anyone through their phone lines. I tried numerous times. I received no information on the fraudulent activity. I then was denied a loan from my credit union who I have never had an issue with because they showed me that on the XXXX report it showed TWO charge offs by SST and reported to a collection agency both for {$1800.00}. I immediately called SST again almost daily for weeks the phone again would reach an automatic voice that said they detected my number and redirected me to a message that said the voicemail I reached could not receive any messages then go beep-beep-beep and hang up. Over the last month I have tried NUMEROUS times with the same result and never being able to reach anyone. I also tried the collection agency. I spoke with numerous agents and a supervisor. The supervisor informed me ( after looking into the account ) that they never reported the collection to XXXX and I would need to speak to SST directly. He told me they had just received the paperwork and that it should never appear twice from anyone. This should NEVER be reported as a charge off. They closed the account because they shut it down because they told me there was fraudulent charges by someone ( not me- but it had been hacked ) and I have been unable to reach anyone to talk to resume payments as I ALWAYS make every month for 16 years. The supervisor at the collection agency did not even want to take a payment as he said I needed to talk with SST directly. I then tried to dispute with XXXX today to find out my XXXX account was hacked, so I will also need to file something with them. This account has become a nightmare. I need this rectified as someone else charged on the account and everything was shut down on me to protect me, but then I was unable to access anything and it was ( I am assuming ) accidentally turned in by SST as a charge off and TWICE! Please remove the charge off ( both ) so that my credit is back to a good standing with my credit union. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Looking into my XXXX. I see that I have over 18 reporting within 2 weeks period. A lot from car dealers and XXXX. However I myself personally have not applied for a new car or XXXX. And trying to contact all of them at once its hard to do.

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 2017-08-30
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was pre-approved by Third Federal Savings and Loan Association of Cleveland for a house purchase that ended up not working out due to circumstances outside of the loan process. 

After some more house hunting, I went to re-apply for a pre-approval from Third Federal Savings and Loan Association of Cleveland on approximately XX/XX/XXXX 

A letter of Denial was sent out on XX/XX/XXXX saying my credit was inadequate. I was confused on some of the wording of my credit score. I spoke to a representative at Third Federal and was told " Not to worry about it '' and that she saw " A different number '' on her report. According to her, this letter was sent out by mistake. 

Approximately two weeks later, on XX/XX/XXXX, I began to become concerned because of the lack of communication after the last conversation. I called the representative back and was told by one of her colleagues that the denial was actually valid. The representative I spoke to originally was out that day. 

I called back the next day in the morning on XX/XX/XXXX and spoke with the original representative. She stated that the denial was valid, but had me forward a direct pull I received from XXXX XXXX and she would " Talk to her manager and see what she could do ''. 

I called back once more in the afternoon ofXX/XX/XXXX and asked to speak with the original representative. She was at lunch, so I asked to speak with her manager. After some clarification on the verbage of the denial letter, I was again told the denial was valid and final. I asked why I was told two weeks ago " not to worry '' by the representative while during that time I could be pursuing a loan from a different entity and an answer could not be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I am credit card ending XXXX XXXX customer from XX/XX/XXXX. From XX/XX/XXXX three 'security ' incidents has happened with XXXX alleging or producing wrong security checks. Along with again forced call of XX/XX/XXXX to person presenting his/her name as 'XXXX ' of their 'fraud ' department the credit card having {$18000.00} credit limit and balance {$26.00} has been cancelled! I have nothing changed on personal info. XXXX sending codes to my phone number XXXX XXXX XXXX XXXX doesn't work long time. XXXX has not accepted my XXXX phone number. I am XXXX  XXXX  and work currently in XXXX. I need the card with the same or increased limit to mail to XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX and STOP this harassment. I reach XXXX in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, INC.
State: PA
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 submitted 3 sets of letters to all three credit bureaus. I asked them to remove unverified items on my report, items that were reporting false information and accounts that have been closed for years but still reporting an increase in balance or late payments. XXXX  and XXXX  deleted all those accounts they were not able to verify. Equifax sends their response saying that they verified those accounts. I asked them to show me proof of the verifications but they refuse. They refuse to remove all false items on my credit report which is hurting me. I started sending the letters in XXXX of XXXX, I have sent multiple letters since then and even in XX/XX/XXXX with no results. Equifax is showing {$2700.00} of collections on my report while I have {$0.00} with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on 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 2019-11-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received mail from Citi Bank on limited time offer on opening a checking account with an enticing promotion, I went to the link ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and spent time to fill out the form. The immediate response was that my application was denied. No reason given. 

This makes realize that this is but a trick Citi Bank use to collect consumer information to whatever purpose later on.

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 2022-08-16
Company: Affirm Holdings, 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: Account status incorrect

Complaint:
Fraudulent charges appearing on my XXXX credit report. 18 total charges from Affirm Inc. 11 of 18 are in delinquent status negatively impacting my XXXX. 

{$390.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$170.00} XX/XX/XXXX I have filed a complaint with Affirm Inc, Case # XXXX. 
I have filed a report with local police department, Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have an eviction from   XXXX   coming up on my record. I am not able to rent an apartment. This eviction was dismissed and was ordered to be sealed by the judge on   XXXX   XXXX   XXXX   I need it off my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from XXXX XXXX staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Credit Karma, LLC
State: MS
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:
Information that was removed from my credit report according to Credit Karma. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my Credit Karma account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for XXXX  to remove these and keep them off. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: MO
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611, It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

Company response to consumer: Closed with explanation