BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: CITIBANK, N.A.
State: CA
Product: Credit 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 am writing to bring to your attention a pressing matter concerning a recent transaction on my credit card account, which I firmly believe necessitates an immediate chargeback. The details of the issue are as follows : Transaction Details : Transaction Date : XX/XX/XXXX Transaction Amount : {$790.00} Merchant Name : XXXX  Description of Goods/Services : Unauthorized charge for services not agreed upon The heart of this matter lies in the unauthorized charge of {$790.00}, which was processed on XX/XX/XXXX by XXXX. I wish to underscore that I did not authorize or consent to this transaction in any form or manner. 

CitiBank has responded with the following : ( I have attached the letter as well ) We respectfully decline your request to issue credit for the disputed {$790.00} XXXX charge that billed to your account on XX/XX/2023. We previously requested that you provide us proof that you cancelled in accordance with the merchants terms and conditions. An example of this proof would have been a cancellation confirmation email from the merchant. Because valid proof of cancellation was not received and due to the length of time that has elapsed since the charge first billed to your account, we are unable to assist you further through the dispute process. You will need to seek alternate means to obtain a credit. 
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize these inquiries. I am requesting that the inquiries be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  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 2023-04-14
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
yesterday on XX/XX/2023 Someone from Tower Loans went to the address we have on file and spoke with my mother and told her that i was about to ruin my credit that i needed to get in touch with them. On several other occasions they have been on this property leaving letters on the steps. I dont live at this residence anymore. They did not have permission to discuss any of my financial or personal business with my mother. They call and dont leave messages while i am at work. They also said they call my wife and she doesnt answer calls she doesnt know but is authorized on my account and they wont leave any type of message either. We have had some financial difficulties due to my wife having a XXXX and have been trying to pay them. My account has never been more than 60 days past due and we stay in contact when we know its them that is calling. They should not be leaving letters not mailed by the postal service or telling my mother my personal business. They are very rude and never try to work with any one at all. they dont ask what is going on or how can we help you or anything. its just where is my money. Then they resort to coming on my parents property and tell them personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had deferred 10 mortgage payments during the pandemic. I was told then, multiple times by the bank that my deferred loan payments would be due at the maturity date of my loan which isXXXX 
I have paid my mortgage on XX/XX/2023 because Ive been paying extra cash/ month except for that deferred payment during the pandemic which amounts to {$20000.00}. 
The bank is telling now that I need to pay that entire amount now rather than the maturity date of the loan. Just because I paid the loan early. I find that very unfair and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-15
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: Information belongs to someone else

Complaint:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-15
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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-15
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 belongs to someone else

Complaint:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$20000.00}, XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Citibank has sold my information to a third party without my express written consent. 
The doctrine of privity of contract is a common law principle which provides that a contract can not confer rights or impose obligations upon anyone who is not a party to that contract. [ 1 ] It is related to, but distinct from, the doctrine of consideration, according to which a promise is legally enforceable only if valid consideration has been provided for it, and a plaintiff is legally entitled to enforce such a promise only if he is a promisee from whom the consideration has moved. [ 2 ] A principal consequence of the doctrine of privity is that, at common law, a third party generally has no right to enforce a contract to which he is not a party, even where that contract was entered into by the contracting parties specifically for his benefit and with a common intention among all of them that he should be able to enforce it. In XXXX & XXXX and XXXX XXXX, the doctrine has been substantially weakened by the Contracts ( Rights of Third Parties ) Act 1999, which created a statutory exception to privity, providing, in certain circumstances, third parties the right to enforce terms of contracts to which they are not privy.

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 2023-05-23
Company: Tiffany & Tiffany PLLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 a charge in the amount of {$860.00} was drafted from my savings account with XXXX XXXX  ( also known as XXXX ). I called to see how and where this charge was made and the representative tells that it was a garnishment and the funds were sent to Tiffany & Brown PLLC. I asked for a copy of a judgment order and or a court summons stating that I owe this creditor that money and the answer was we dont have a copy of the order when judgements and levys are in place we just draft the money directly to the creditor. Ive also spoken with representatives from Tiffany & Brown last firm and still have yet to been provided proper documentation ( court order ) stating that I owe the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TN
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name, social, date of birth was used without my consent or knowledge, there are open collections, inquiries, car loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I Reached out to Experian on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. I am attaching this letter I am also attaching delivery confirmation letter I sent to Experian in regards to this matter via XXXX. 

Experian has violated my following rights in accordance with the fair credit reporting act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section it also state consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-06-12
Company: Crux Commercial Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called XXXX XXXX Partners to apply for a loan as I did with several other Lenders. Trying to find the best rates I had applied with at least 5 lenders. Each lender had me sign something to give them permission to pull my credit report. Crux had me sign something also and I thought they were going to pull credit as well. A couple of days later they called me and asked me to provide my credit report to them through Experion, which I did even though I wondered why they didn't pull it themselves as had the others. I then found out I had been approved through XXXX XXXX XXXX XXXX with a good rate and decided to use them. When XXXX called again I told them I had decided to use XXXX XXXX XXXX XXXX. He then began to pressure me to give him the lenders information and other information regarding the loan I had procured. I was not comfortable with that I didn't tell him, but said he could give me his best and final offer. He then texted later and asked again for my lenders information, I again said that they were competitors and I was not comfortable sharing that information. He said he wanted to call them I told him not to. He apparently did his own research and found my lenders name and number and called her. He proceeded to tell her that he was working with me and that now we would all be working together. She was surprised and didn't give him any information about the loan that he asked her for. He continued to try and reach out to me for the next two days and since I was busy, I responded via text telling him once again I was choosing to go with XXXX XXXX XXXX XXXX, as he could not beat their rates and I thanked him and asked him why he had called her after I asked him not to. He then responded on text and lied saying his partner had called but she had his name..so I knew it was him. He also took credit for getting me the rate with XXXX XXXX XXXX XXXX. He then had his company send her an invoice with the copy of the paper I had signed asking her to send it to title so they could be paid at closing in the amount of {$11000.00} for a consulting fee and application fee. They did not find me a loan and I had no intention of hiring them. I feel they tricked me into signing this paper and now are trying to get me to pay them for nothing. XXXX XXXX and his partner XXXX were the people I was dealing with. I have the texts on my phone if needed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XX/XX/XXXX Delete this item immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Upgrade, Inc.
State: KS
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:
I am having a problem with mixed information that I see in my statements, which I click on and statements shown are not even for the correct dates that I click on. For Instance... I click on XX/XX/2023 and a row of statements downloads showing XXXX. On every date I click on this happens. I have had late payments with this company, and I have called many times about information needed about use off the card. The interest is sky high, and I can never get a call back, an email, nothing. I wanted to know if I can not use the card because it is declined. I am ok with this, as I just want to pay it down and leave it alone. My available balances have decreased even though I can not use the cards. I have XXXX cards with Upgrade and I have not used them in over a year. I had XXXX available a m month ago, and now it says XXXX. And I can not see why because the statements I click on do not show up. I feel this is very shady, and I do not have money to keep sending if this is how it is going to go. It is a never ending nightmare with this company. I need assistance please.

Company response to consumer: Closed with explanation