BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-11
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
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: Investigation took more than 30 days

Complaint:
I am sick and tired of your bureaucratic methods of deleting an item that is in VIOLATION of the FCRA. Your investigation is taking longer than 60 days. YOU MUST DELETE XXXX/XXXX XXXX XXXX from my credit FORTHWITH. THE VIOLATION IS CLEAR. I am preparing a defamation lawsuit against EQUIFAX. Your auto reply XXXX  is a disaster and a disgrace to the American people. You violate the law and get away with it. This is my last communication before my lawsuit. DELETE THE ITEM. You are preventing me from getting a job to support my family. The media is going to hear about this in the mainstream.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account on XX/XX/XXXX with suntrust bank and i deposites XXXX with a check that i recieved from the sale of my house from the title company after a seven to ten day hold of my funds i was able to make two transactions before my account was locked i have called repeatedly and even went to my local branch and they dont seem to have any answers for me i dont have access to my money or anything its been over a month and still no answer as to why this is happening to me now as of XX/XX/XXXX under my transaction details it says Legal Order Debit for XXXX and once again no answers to why this is happening or reason all i know is my money has been taken from 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 2015-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I made a dispute with a particular account on my Experian credit report. The creditor investigated the dispute and it was resolved. I no longer dispute the remark. However, after the investigation, the creditor added a remark " Account disputed by consumer ''. I asked Experian to remove this as I released the dispute, and no longer disputed anything. They refused to remove it and advised that they have to get the creditor 's approval before removing it. The creditor says it can only be removed by the credit bureaus. This has been detrimental to my home loan application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: CITIBANK, N.A.
State: CO
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 purchased a vacation package in XXXX XXXX XXXX through XXXX travel agency on XX/XX/XXXX for {$1500.00}. Travel was to be from XX/XX/XXXX - XX/XX/XXXX. Due to Covid-19,  XXXX the resort property owner cancelled all reservations through XX/XX/XXXX and reimbursed the 3rd party travel agencies. I contacted XXXX 2 times via phone and multiple emails. The final response was, they would not reimburse my money even though the resort was closed and I did not cancel the reservation. 

I filed a dispute with Citi Card ( XXXX ) on XX/XX/XXXX, it is the only one on file in my account. They closed this dispute on XX/XX/XXXX for being over 6 months old and not having all of the documentation needed ( I was never told or requested to provide more documentation other than my initial statement for dates and charges ). On XX/XX/XXXX, I resubmitted via email with supporting documentation. On XX/XX/XXXX Citi denied my dispute again, this time in favor of the merchant because the merchant refused the dispute and the refund. Citi told me they have no authority to pullback funds from the merchant. I tried to dispute this reason for denial with the Citi Dispute center as under Visa Charge-back policy VCR 13.1, they do have that ability. I was hung up on by the service agent. 

I am trying to get my money back for a worldwide pandemic I had no control over and a cancellation and resort shutdown I had no action in. Citi is just washing their hands of this even though I did not receive the services I purchased. Citi has all supporting documentation.

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 2015-05-22
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
THIS IS THE SECOND TIME I ATTEMPTED TO GET MY CREDIT REPORT AND EQUIFAX HAS ASKED BOGUS QUESTIONS TO PREVENT ME FROM GETTING MY CREDIT REPORT ON LINE. NEITHER XXXX NOR XXXX HAVE THIS BOGUS INFO L ; LISTED ON MY CREDIT REPORT THAT EQUIFAX IS ASKING FOR. ALSO I AM XXXX WHAT THEY ARE DEMANDING I DO IS NOT ONLY TIME CONSUMING IT DISCRIMINATES BASED ON XXXX BECAUSE THE ONLINE REPORT ACCOMMODATES MY XXXX. WHEN I CALLED THEY REFUSED TO SEND ME A COPY SAYING THEY ALREADY SENT ONE. NOT TRUE. I AM UNABLE TO GET THE REPORT ONLINE, UNABLE TO ORDER IT BY TELEPHONE AND HAVE WEEKS OF DELAY WHEN REQUIRED TO MAIL A REQUEST. I WAS DENIED CREDIT BASED ON WHAT THEY SAY AND AM TRYING TO RENT A HOME. I CAN NOT AFFORD THE DELAY. THIS IS THE SECOND TIME I ASKED FOR MY CREDIT REPORT AND I NEVER RECEIVED IT. I AM ILL AND CAN NOT KEEP FIGHTING WITH EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I moved recently, last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 12 separate fraudulent accounts ranging from credits cards to small loans. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. 
Accounts in question : Creditor Date Opened Balance XXXX XXXX XXXX. XX/XX/XXXX {$680.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX  XX/XX/XXXX {$95.00} XXXX XX/XX/XXXX {$760.00} California XXXX XXXX XX/XX/XXXX {$1700.00} California XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX  XX/XX/XXXX {$640.00} XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$1300.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans-union had a glitch during XX/XX/2017-XX/XX/2017, in where all my XXXX inquires were removed, and re added, of which my score took a dump, trans-union will not admit the glitch, but I have screen shots from the glitch, they did not notify me of the glitch of which by law they had 5 days to notify me. So for failure to notify me by law I want all inquires removed from my credit report. I am un-able to upload have no scanner but can fax if you answer me with a fax #, and a name to send it to.

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 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion is releasing my credit bureau to individuals who do not have a right to access my credit. They 're then reporting this an an " inquiry '' that affects my rating. Furthermore, they are also reporting and account I never opened, authorized, or used. The improper data is as follows : XXXX I never opened, authorized, or used this account. The following inquiries were not authorized by me and are not as a result of fair use : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The inquires on my credit report are not mine. Last month, I asked if the inquires could be removed, because they were made by someone other than me. My name is ... XXXX XXXX. I live XXXX XXXX ... XXXX, il.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 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Bureau is not blocking the information within 4 business days per FCRA 605B ( 15 U.S.C. 1681c-2 )

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 2022-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a home security system with XXXX and was provided a credit line from Citizen 's for the equipment ( XXXX ). When I moved, prior to completion of the contract, XXXX was contacted and I was informed I could leave the equipment and they would update Citizen to waive further fees. I then signed a new contract with XXXX and secured a new credit loan with Citizens for the new equipment ( XXXX ) in XXXX of 2021. Citizens One continues to try to deduct money for the closed account despite my good standing with the new account. I have spoken to Citizens One with XXXX in a 3 way call and was assured on 4 occasions that the matter was resolved. On the last call with Citizens, I was told it was an issue with XXXX and they would not be able to help me despite their continued collections on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
After review of all my CB files I came across a account ( XXXX XXXX ) reporting to XXXX  and Experian they both reported first delinquency dates differently. I filed a CFPB complaint with XXXX at which time they reacted quickly and deleted the tradeline because in fact the first date of delinquency was past the 7 yr mark ( XXXX of XXXX  ) so I reached out to Experian and was treated pretty badly. So I need an answer on the procedures and or laws these CB are supposed to be following. I ask how can the dates vary so.

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 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; There are creditors who DID NOT give me a firm offer of credit. Those creditors did not submit information to Transunion, dictating that I have opened a new account. And I have not personally authorized Transuion to provide any person agency or creditor a copy of my consumer 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 2020-06-12
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Far past two years, Citi bank charged me {$12.00} a month fee. Two years ago they told me I should have a direct deposit into my citi bank account and that will waive any monthly service fee. So I set up a direct deposit. Today I noticed they have been charging me fee s for over a year. When I called ( XX/XX/2020 ) they said '' You should have a bill pay as well to waive the fee. My argument was that '' about two years ago you said I should have only direct deposit but now you are asking me to pay bill through your website? She said " Yes. Although I pay Citi credit card bill through my Citi checking account but that does not qualify for them. Two different answers by two different individuals. One of phone agent said " go ahead and complain but I am not giving you any refund, this is our policy ''. Citi bank needs to disclose all fee info to their customers and get their consent. I am hopeful that CFPB will resolve my issue with Citi Bank.

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 2016-06-15
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Derogatory mark of child support and the account has been closed since 2013

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 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XXXX and XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: MD
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 to the Fair Credit Reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second time that this problem has happened to us with the payment of my mortgage, the first time it was solved but this second time since approximately XX/XX/XXXX we have not been able to solve it since the bank raised the monthly payment of {$580.00} to {$910.00} as of XXXX, arguing that it is due to lack of property insurance since our contract had been in force from XX/XX/XXXX to XX/XX/XXXX and one of the many times we had been talking to them to To find out where the problem was, we were finally attended by a person from the insurance department named XXXX XXXX, who looked in detail to find that indeed the house had always had insurance and that this had been their error, she told us that she had already updated the information And that he was going to send it to the escrow department to review it and make the corresponding corrections and he recommended that we call again in a week and so we did and sup Apparently they had already made the corrections by lowering the payment to {$720.00} but according to the amount of the new insurance policy it does not correspond to that amount and through you I want you to give me a solution since even so my payments are still higher than they should be. since according to the numbers that I have they are : {$160.00} Principal {$280.00} Interest {$130.00} New taxes {$41.00} Insurance Policy leaving a total of {$620.00} and not the {$720.00} that they are charging me. 
For this reason I decided to contact you and ask you to please help me solve this problem, because it has been impossible for me, they only tell me that they are going to call me and they do not do it and while I continue to pay an unfair amount. Thanks!!

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 2016-08-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My SSN was compromised by another lender and pulled multiple times without my authorization. I have informed the credit reporting agency and even after a fraud alert was placed they allowed them to pull my file. per the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) the must remove it by law. I want these deleted from my file.

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 2020-06-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
JP Morgan chase Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.

Company response to consumer: Closed with non-monetary relief