BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
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:
On XX/XX/2022, I sent Transunion a dispute letter, via USPS certified mail, disputing fraudulent accounts/information, that was a result of identity theft. Despite sending the dispute letter, providing proof, and requesting that all fraudulent accounts/inaccurate information be removed from my credit report, in accordance with the Fair Credit Reporting Act 's guidelines, Transunion has refused to remove the aforementioned accounts/information, and has instead verified accounts/information, that is the result of identity theft, as accurate. The fraudulent accounts, which were not opened by me, are XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX There were also fraudulent charges made to existing accounts, which caused, fraudulent delinquencies. These accounts include XXXX XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXXXXXX XXXX  ( XXXX accounts ) and the XXXX XXXX XXXX  It has been 50 days and Transunion refuses to resolve this issue. FCRA states that any account that can not be verified and that is fraudulent must be deleted. Transunions willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These accounts need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.

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 2019-12-17
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:
It's not my accounts, i never sign any contracts or agreements to receive benefits, i was victim of Identity Theft.

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 2017-02-01
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am very concerned with the inaccurate information provide by Citi Corp Credit Services, Citi Centralize Recovery Bankruptcy Department, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX to XXXX of my creditors. 1. Macy 's XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. 2. Shell/CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 3. XXXX/CBNA XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 4. Best Buy Credit Services, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. The information is inaccurate because I never have filed for Bankruptcy, there is no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. I have attempted time and time again to clear this matter up with Citi Corp Credit Services. I am treated like I committed a crime, their personnel is rude and only focus on collection money for credit accounts that have always been paid on time. The XXXX as well as the Macy 's accounts are paid in full. I am lied to over and over again with statements such as we are looking into the matter and no resolution ever takes place. I have been stoned wall since XX/XX/2016. The Shell credit card was reinstated only to be deactivated on XX/XX/2016. The worst part is that I am a XXXX so they are not only destroying my good credit and reputation but my career and in turn my life. I have filed disputes with the credit bureaus, reviewed my credit reports on-line and requested a copy of my credit reports. As you know it will take time to receive my credit reports. I have no way of defending myself. As a 15 years XXXX veteran and someone who continues to work to XXXX, I find it very scary that my life can be turned upside down in this manner. Clearly this is a mistake on the part of Citibank Citi Corp Credit Services yet I can not get anyone to correct this mistake and I have been trying to solve this issue since XX/XX/2016 only to be treated as if my life does not matter. In this country a criminal is presumed to be innocent until proven guilty, yet I am assumed to be guilty of bankruptcy with no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. Please investigate this matter so this issue can be corrected and I can move on with my life. My credit cards with the listed companies have been placed on hold or cancelled due to this inaccurate information, please help me to resolve this situation and place my credit and accounts back in good standing.

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 2020-06-15
Company: Experian Information Solutions Inc.
State: NV
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:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XXXX XXXX, 2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than TransUnion and XXXX  stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.

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 2022-07-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
I contacted Citizen 's Bank on XX/XX/XXXX after receiving a notification about a purchase on my Citizen 's Bank+ credit card. Upon logging into my account, I noticed a total of six fraudulent charges made to my account. Four of these charges ( made in XX/XX/XXXX ) were made prior to my credit card with Citizen 's Bank even being issued to me in XX/XX/XXXX. I have been able to get 3 of the charges credited back to my account ( 2 were credited back automatically as soon as the charge was made, and 1 was credited back after my first phone call to them ). 

As of today, XX/XX/XXXX, no department at Citizen 's Bank that I am able to speak with over the phone is able to give me a status of whether this is being resolved or any sort of timeframe. I keep getting passed from one department to the next, usually ending with one department disconnecting my call and me spending 2+ hours on hold to call them back. They do not seem to be making any attempt to rectify or even investigate this situation or to refund me the {$180.00} that I am still owed back from the three fraudulent charges that they are not working to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The card was turned down at a movie theatre on XX/XX/22. I called the number on back of the card and the recording said the card was invalid. I went online several times on XX/XX/22 to enter the card information and the prompt said the system was experiencing problems several times and to try again later. I called the numbers listed on the Vanilla Gift Card and they were both incorrect. One number was a XXXX company and the other was a XXXX XXXX XXXX company that said I needed to listen to their offer first before assistance and when I questioned them they hung up on me. Impossible to get live person assistance after trying numerous times. Please help me in what appears to be a dishonest company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I purchased a TV from XXXX. Placed payments ( XXXX ) on auto pay. When XXXX requested payment from bank, the bank rejected payments. I received a letter from XXXXSnychrony stating that since bank has not honored payments they have suspended my card, send my info to credit and collection bureau. I have made all payment. Called XXXX several times with no satisfaction. I also went to my bank, they found that XXXX has inputted the incorrect account routing number and incorrect bank account number. The routing number appears under miscellaneous information, and the account number the first XXXX numbers were cut off. Also, on XXXX/XXXX/2015 I discontinued my auto pay. Today, XXXX/XXXX/2015. I went on to XXXX site and noticed that they sent to the bank for auto pay. I did received email from XXXX on XXXX/XXXX/XXXX stating they received my request for cancelling auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
On XXXX/XXXX/XXXX, I entered into a repayment plan with my Citibank credit card. I received a letter outlining the new terms and conditions. I did not have a delinquent balance on my credit card at this time. I was told by Citi 's representative that I could make my all payments online. On XXXX/XXXX/XXXX, the due date on my credit card, I was not able to make my payment online. Citi 's online system does not allow payments when you enter into a repayment plan. I made my payment over the phone on XXXX/XXXX/XXXX and my payment posted to my Citi account on XXXX/XXXX/XXXX. Since then, I have been getting calls from Citi at all hours of the day. Calls are harassing in nature, are intimidating, and plain bothersome. My son and I called Citi to find out why we were receiving so many phone calls. Citi 's response was : I made my payment late for XX/XX/XXXX, and I still owed a past due amount ( for XX/XX/XXXX & XX/XX/XXXX ) and that negative reporting to the credit bureaus would continue. I responded by explaining why I made my payment past XX/XX/XXXX ( explained that I could no longer make payments online ), explained that I had agreed to new terms and conditions for the repayment plan, and that I did n't think it was correct for Citi to continue harassing me with phone calls and negative credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HARVARD COLLECTION SER accounts # XXXX Balances {$910.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
we opened the capital one SPARK business credit card which advertised spend XXXX K in 3 months and will receive an additional XXXX of rewards. We spent the required amount, called to confirm that we met the criteria, was told on a recorded line that we WERE receiving the rewards. Then never received them. After 2 weeks of calling and being put on hold and being told they will make sure we receive it, we were told because a refund came through of {$45.00} ( unknown to us ) that the rewards will not be processed. We have been  back and forth with their customer service with NO HELP. They have no regard for small business and are fraudulent and misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
returned payments led to closing of my card. My bank account was used fraudulently so I had returned payments within the span of 3 days. I always paid my bill on time and never any issues in the past year yet account closed with no explation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : 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 2016-03-23
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I need to report CitiMortgage for not cooperating with me in trying to do a modification through the government program. I have been trying to do a modification with them since XXXX 2014. My file has been restarted numerous times, always with a new account rep every few weeks, which resulted in the ball being dropped numerous times. Then I myself had to restart the process of submitting documents. I complied and submitted hundreds of pages over the last 2 years and every time I am told they have " expired '' and needed to be redone ... I 've been told one time upon submission to underwriting the processor totally did not include one of my incomes on " accident '' so again I started over ... .I believe they do n't want to participate in this program ( Home Affordable ) but are mandated to do so they just make it to difficult to actually get it through and qualified. After working so hard on this file since XXXX 2014 I now am just giving up and I believe that is what they were waiting to happen. The process with Citi has been totally unprofessional, actually disrespectful to me, and impossible! I am beyond sad after trying for over 2 years that I just emotionally cant try again ... It has been a huge amount of time and energy and work on my end, which Im not complaining about, I realize that work needs to be put in for the outcome I was looking for, but not 3 & 4 & 5 times!!! 
The process they follow and the constant changing reps, to the timing of their getting the documents submitted has been the most unprofessional process I have ever participated in!

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 2016-10-18
Company: CITIBANK, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have requested a mortgage modification with my mortgage company CitiMortgage. My income has decreased. I want to keep my home I want my payment based on my current income so I can afford my payments. I received the foreclosure notice XXXX XXXX, 2016 by mail, the law in Tennessee state notice is to be given to the homeowner XXXX prior to the foreclosure per Tennessee code annotated. Please 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 2019-12-17
Company: EQUIFAX, 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:
It's not my accounts, i never sign any contracts or agreements to receive benefits, i was victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It's not my accounts, i never sign any contracts or agreements to receive benefits, i was victim of Identity Theft.

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 2019-12-17
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX client in GOOD standing - I have NEVER been late on any payment. If I click on my portal access and review - EVERYTHING IS PERFECT. If I call their helpline - they ALSO CONFIRM that I am in good standing and NO OUTSTANDING AMOUNT. Yet keep on handing me over for DEBT COLLECTION on DEBT THAT I DO NOT HAVE. NOBODY can help me - and this is effecting my credit score severely! ( THE ONLY NEGATIVE REMARK ON MY CREDIT SCORE ) - I can not get vehicle finance ( or only very predatory ones ) - I believe I am an easy target since we are XXXX, and do not know the system well. PLEASE HELP! I've attached my statements for the last 4 months showing CLEARLY my payment history - and NO MONEY OUTSTANDING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: MI
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:
To: EquifaxXXXX XXXX XXXX, GA XXXXTo Whom It May ConcernI am writing to dispute the following inaccurate information that appears on my Credit report. My rights under FCRA Sec 611(a)(2)(A). Apparently someone with similar name to mine filed bankruptcy and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report.I Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with debtor’s full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.I received dispute results please contact Public Record Information This section includes public record items obtained from local, state and federal courts through a third party vendor, XXXX. i have approved from XXXX no public record. I have provided evidence to get these accounts removed (Case No: XXXX)1-Letter from United States Bankruptcy Courts does not provide any information to the credit reporting agencies                                                                                                                                                                          2- Letter from XXXX   Bankruptcy public record Deleted On 08/2019                                                                   3- Credit report from LexisNexis on XX/XX/2019 no Bankruptcy public record                                                  4- letter From XXXX they open manual dispute to Equifax no Response from Equifax.                                                          Please delete these items as soon as possible I look forward to your response.XX/XX/2019Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX                                                                                                                                                     Tel: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is incorrect. There is an added name that is n't mine.

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