BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have contacted TransUnion twice regarding Inquiries on my account. On XX/XX/2016 someone was trying to open XXXX different credit accounts using my information. they were XXXX. XXXX XXXX XXXX and XXXX. I 've indicated to TransUnion that I 've been a victim of identify theft and that the alleged inquiries were not mine. I contacted the creditors and was told that I needed to contact the Credit Bureau and have them remove the inquiries. Apparently, they only removed one ( XXXX ) but are refusing to remove the other XXXX that are still on my report - bringing my credit score low. These inquiries were fraud, as they all occurred on XX/XX/XXXX. I 'm tired of contacting them and getting no results.

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 2016-02-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have told Ally Financial to stop calling me at least twice in writing, which there website automatically sends me a copy of from them. They continue to call over and over and now are calling my relatives. I just want them to stop harrassing me.

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 2016-08-05
Company: Ad Astra Recovery Services Inc
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2014 I noticed a collection on my credit reports from XXXX XXXX XXXX for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) IFAXFederal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX acct : 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 2016-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

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

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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against TransUnion for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Transunion, which has been one of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Transunion only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. The collection agency refuses to speak to me and they have, on numerous occasions, hung up the telephone while I was speaking and questioning their debt claims against me. I have also filed CFPB complaints against the collection company, XXXX XXXX in XXXX California, for illegally and fraudulently reporting onto my credit file with Transunion. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this is absolutely in violation of that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-08-22
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past XXXX years, we have been receiving calls from Harris and Harris, a debt collection agency out of XXXX attempting to collect a debt that is not ours. The person they are looking for is clearly not at our address and has not lived at this address for almost XXXX years ( they were a tenant in a property we own ). I have called the company and explained the issue and that the person they are looking for is not at this address, however, the calls continue ( approximately XXXX per week ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i had all my exemptions removed from prior property tax years all at once. DEspite the fact i have legal options regarding this citimortgage is threatening to set up an escrow account with penalties and interest wihtout letting me avail various legal remedies and avenues i have available to me. this is wrong. no escrow account. i do not even have back up for what these taxes are based on and i know there are legal protections out there regarding this. I am tried of the one size fits all approach in how they are dealing with this. i value my home and obligation but to have all exemptions removed at once. is a hardship.no escrow account is to be set up. i am not going to let it happen. i want to talk to someone at my convenience about my plans and the accountability to which i have a right. and am entitled to do not set anything up do not bully me. i have legal options.

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 2016-09-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was talking to Citi representative today, whose name is XXXX, about my credit card Citi bank. I was actually thinking about closing this account. But the XXXX told me the benefits of the account and informed me that the account has no annual fee. So, I changed my mind and decide to leave the account open. I clearly told the representative, who is XXXX, " I will leave the account open ''. What 's more, XXXX Said '' Okay, I will keep this account open and thank you for continuing business with Citi '' Nicely, I hang up my phone. Ironically, I immediately got an email from Citi, telling me that my account is closed. I mean, seriously, this is how Citi bank trick its customers??? This is unbelievable.

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 2015-11-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
DIVORCING SPOUSE MADE BALANCE TRANSFERS IN EXCESS OF {$17000.00} DURING NYS AUTOMATIC STAYS PERIOD. SHE ADDED HERSELF AS AN AUTHORIZED USER ON TWO OF CITIBANK 'S CREDIT CARDS -- CITI DIAMOND AND SEARS MASTERCARD. 
WHY WOULD BANK TRANSFER FUNDS TO HER INDIVIDUAL ACCOUNTS? THIS IS STEALING AND FRAUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2015-04-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a staples credit card from Citibank. The card was approved and I made a purchase.. It was an online application for the card and I used the confirmation number they gave me to do the credit purchase.. The amount was XXXX dollars and some cents. So far I have not received the credit card.. They tell me that I should have received the statements which I did not.. they have been calling me about the payment on the credit card and I am willing to pay the amount that I used on that card but I should not be charged any late fees and finance charge.. They continue to insist that I should pay finance charge. I have refused them to pay anything unless they revert the finance charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Rewards

Complaint:
I applied for the Citi AAdvantage Executive Mastercard on XXXX XXXX. My application went to pending status so on XXXX XXXX I called in to provide some additional information and shifted my credit lines to open the new account. On this call I confirmed with the Citi representative that I was eligible and and would receive the offer of XXXX AAdvantage miles after spending {$5000.00} on my new card. The Citi representative confirmed this and approved my application. 
On XXXX XXXX I called Citi to inquire about why I had not received the bonus miles. They stated that since I had the card in the past I was ineligible to receive the bonus. When I told Citi that a representative confirmed that I would receive the bonus offer I was told " The application department should n't have told you that ''. I spent over the {$5000.00} necessary and paid the {$450.00} annual fee and feel that my obligations to receive the bonus have been met. I was provided with false information from Citi and they are now withholding the bonus that I applied for, was approved for and was confirmed to me over the phone by a Citi employee.

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 2020-03-21
Company: Experian Information Solutions Inc.
State: CA
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 submitted a complaint earlier along with documentation to prove that Experian is purposeful and willful in miss reporting my Credit Score. I complained about XXXX XXXX XXXX And Experian and ever since I have tried to get proper help for removing information and mistakes on my credit report. I have been patient and even paid Experian several times to get their premium service. I have raised and lowered my balances on my credit cards and taken out loans to do what they suggested. They have shown that their reporting and scoring is not impartial. Please take a look at the documents I have included. I purposely paid off all my credit balances to show how Experian does hold some accounts in contempt. I had my score drop today because I paid off most of my XXXX XXXX card from XXXX. They said that I lowered my savings account. Experian does in fact take offense to complaining to your agency! I have included the documents! Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
I ordered a bag from online merchant. I never received the bag I ordered, I tried to disputed the charge but my credit card company denied to dispute in my favor. 

Information : Name : XXXX XXXX SS # XXXX Company : Shell Fuel Reward Mastercard XXXX XXXX XXXX {$80.00} Transaction Date : XX/XX/2022 Account endind 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 2018-01-18
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Theyre not allowing me to connect a third party service assisting in reducing debt.

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 2015-11-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a call from Macy 's on XXXX XXXX, 2015 that my Macy 's Amex had fraudulent activity in another state that went through on both the Amex side of the card and the Macy 's store side of the card. I ca n't begin to tell you how many times I have called and called and called and tried to get answers from people who tell me different stories each and every single time I have called. Many times they do n't even show a record of any files under my name ( even though I have case numbers ). There have been many times where they insisted I never filed any documents or scanned in my claim forms ... even though the person who I had previously spoken to confirmed receipt pf everything while I was on the phone with them ). At this point it has been almost 5 months and the charges on the Macy 's store side are STILL showing up on my bill, and whenever I call I have to start the story over again from the start because they ca n't find me in the system ... that sure does n't stop them from sending me bills every month with the charges still on the bill! The Amex side of the card seems to be ok now, but my main issue and problems have been on the Macy 's Store side. They are the ones who I am referring to in my examples above. My case number for the Macy 's Store side of the card is # XXXX. 

I would really like to get this resolved since I did not make these charges, and I am contacting you all to help because I am at my whits end and I do n't know what else to do. It would have been physically impossible for me to charge these in a department store in XXXX while I was in XXXX ( where I live ) at the time of the charges with the physical card in my wallet. 

In case you would like the case # for the Amex side too it is : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2015-07-08
Company: CITIBANK, N.A.
State: ID
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
Redeemed a promotion through XXXX XXXX. I received a {$50.00} debit XXXX reading " valid thru XXXX ''. On XXXX/XXXX/2015 I attempted to activate the card for use and was told by citibank ( XXXX # XXXX ) that the card was promotional and expired and he would not reissue the card although it still had {$50.00} on the card. I explained that the card reads on front that it is a " Debit '' " XXXX '' for {$50.00} and I requested that a replacement card be issued to access those funds on the debit card. He refused stating it was promotional. I understand that debit cards are often handed out as part of promotions - but nonetheless- this card reads " Debit '' " XXXX '', still has funds that I would like access to ; that he was refusing access to funds given to me. This is not a " use it or lose it '' situation. I was promised a {$50.00} debit XXXX and I would like to use that {$50.00} at my leisure and if the card expires, please issue a new XXXX so that I have access to the funds. A promise is a promise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
These people have been harassing me for years over a Victorias Secret card under my married last name which Ive been divorced for well over 11 years. I also dont recall ever having a Victorias Secret card. The last time I spoke with them they said that I needed to pay them or they were going to take me to court and it was gon na cost me {$5000.00}. When I told them I wasnt going to pay them anything until I saw paperwork they said will see you in court and hung up. Now a few years later I received the following document in the mail stating that Im going to owe taxes to the IRS for this debt And provided a fake 1099 form or pay them. This  has to stop see attached. I forgot to mention theyve also contacted several of my family members as well and threatened lawsuits against me over the phone telling me theyre going to serve me papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I contacted Citibank on XXXX XXXX, 2016 to cancel an account that had been transferred from XXXX XXXX as part of the Costco credit deal switch. I very clearly wanted my account closed. I continued receiving bills, but did not realize that the account was STILL open until XXXX XXXX, 2016 at which point I called Citibank who confirmed that my account was still open and confirmed that I had contacted them on XXXX XXXX, 2016, but the content of the conversation was not confirmed. There is no way that there was any confusion over what I wanted - I specifically do not do business with Citibank due to past poor experiences. Similarly, the action requested ( to close my account ) was confirmed by the customer service representative, but never actually executed. They lied to me in order and kept the account open until I realized that it was still open. Upon contacting them on XXXX XXXX, I received confirmation that my account was closed, but this was an intentional denial of my cancellation request. My request was only submitted verbally.

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