BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I bought a travel package deal with my husbands credit card and we were both going to travel to XXXX. The promotion price was {$1100.00} for 7 nights. the resort charged the total amount, then only returned our deposit of {$350.00}. Then our money was returned and Citibank allowed another transaction to be charged, they billed our credit card the balance of {$820.00} which I had already told Citibank not to do and they went ahead and let the charge be applied to our citi credit card and now refuse to help me get the money refunded. So we did receive a total refund, but then citi bank allowed another charge of XXXX to be added to my card. If I had not called to check on my reservation the day I was to catch the plane, I would not have known that it was cancelled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent dispute letters to XXXX, XXXX, and Equifax because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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:
My information has been compromised and used without my consent. There has been many credit accounts that I do not recognize reporting erroneously. None of these accounts have ever been used or solicited by 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 2017-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On  XXXX  without my knowledge or permission my son 's lawyer 's sister who owns a   XXXX   XXXX   XXXX   got a first cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a second cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a cash out refinance for $  XXXX .   The lawyer opened up a new checking account under my name at my bank and put all the cash out money through this account. The lawyer then wrote checks to himself for a total of {$600000.00} and filed my personal bankruptcy without telling me. When I told the the Bankruptcy Trustee I signed none of the papers and did not prepare the bankruptcy papers nor had knowledge of the contents and that I did not know why I was here the Trustee allowed the lawyer too keep the $  XXXX  earned upon receipt and my home went to foreclosure sale. The bank fraud dept. confirmed fraud and that I neither applied for the loan, could never pay any of the monthly payments and did not apply for it and did not get any of the cash outs they nevertheless foreclosed on me and made me homeless since   XXXX  . I can only write and speak  XXXX  and was out of the country when these loan papers were signed by someone. My husband was   XXXX   XXXX   XXXX   when these loan papers were signed in  XXXX   XXXX , CA. I hired  2 lo an modification lawyers that took {$98000.00} cash up front and my new  XXXX  car for collateral and immediately sold my car. They were both disbarred and I never hired these lawyers to do any work for me other than a Livin g Will T  rust w here they got my personal information to prepare a loan application. I am  XXXX   XXXX   XXXX  and do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
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: Their investigation did not fix an error on your report

Complaint:
I have disputed an error on my credit report with Equifax and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Equifax, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Inquiries 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 n accordance with 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 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 2022-03-21
Company: EQUIFAX, INC.
State: WA
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:
Contacted XXXX via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, Division of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. XXXX did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles by XXXX XXXX, XXXX ( 90 days after meeting the requirements ), but now Citi has told me that I was never eligible for the promotion and is ignoring the fact that one of their representatives told me I was eligible and had met the requirements. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed up on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion, charged me {$30.00} a month in fees for the pleasure of dealing with their abysmal service, and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi regularly defrauds their customers with these account bonuses. This is completely unacceptable and will not be tolerated.

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 2022-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The last XXXX of my social security number are XXXX. Portfolio Recovery has not provided adequate debt validation. Account opened fraudulently. Not mine. Not authorized. The company is in violation of the FDCPA, will be filing a lawsuit, if not deleted from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When reviewing eligibility for months that count towards XXXX I noted that loan months from XX/XX/XXXX to XX/XX/XXXX are eligible ; however, months XX/XX/XXXX to XX/XX/XXXX are ineligible. This does not make sense as the status of my loans during this time were the same and therefore should also be eligible. I did have a qualifying employer during months XX/XX/XXXX to XX/XX/XXXX which FedLoans should already have on record. I would like these months counted towards my XXXX qualifying payments. I have attempted to contact FedLoans ; however, no one is able to answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a some adresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following cellphone numbers are not mines please delete : ( 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 explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX Account number XXXX XXXX XXXX, XXXX Account XXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Inquiries 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 n accordance with 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 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 2022-08-04
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: Account information incorrect

Complaint:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2017-03-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Macy 's credit card charged me a late fee for no reason at all. I used Macy 's credit card to purchase some merchandise. I paid the balance in the previous cycle. During this current cycle, I returned merchandise and received refunded. Macy 's insisted that I have to pay the full amount of previous balance in light of XXXX of dollars of refunds. 

it charged me {$27.00} late fee for XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I was told by a lender that they were unable to pull my Equifax credit report. I then attempted to use Equifax 's online portal to check on this issue. Their website told me that their was an issue and gave error code NH, presumably no hit or no history. I then called the customer service line for Equifax, and after reaching a customer service agent, they told me that they had no history for the information I gave them. They also told me the next step was to send in material to verify my identity. Later on XX/XX/XXXX, I called several of my lenders, and confirmed with them that reports had been sent to Equifax monthly since the accounts were opened, going back more than 3 years in some cases. On XX/XX/XXXX I faxed my driver 's license, W2, and social security card along with a cover letter stating the purpose of doing so to Equifax. I again called Equifax at their customer service line, and this time was told that a name other than my own was associated with my SSN. I have called several other times since then to see if my fax had been received, and have been told everytime, including today XX/XX/XXXX, that the information had not been received or processed. With it being 14 days from when I first brought this issue to Equifax, they have been either unable or unwilling to find my credit history within their system, that I have verified with creditors has been sent to them with correct information and spelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Friday XXXX XXXX, XX/XX/2015 I made a deposit of XXXX paychecks at my Citibank branch ATM. On Saturday XXXX XXXX there were a couple of debits to the account, and I withdrew money from the ATM. On Sunday XXXX XXXX my husband attempted to access my online account and was met with a blank account page. He assumed the website was undergoing maintenance and moved on. On Monday XXXX XXXX I attempted to make a withdrawal at my branch ATM and was rejected. I assumed there was a problem with the ATM, and as the branch was still closed went to another ATM location. When both that attempt and a purchase failed I returned to my bank, which was now open. The teller told me that neither him nor anybody else at the bank had any access to my account, and gave me a toll free number to call. I spoke to XXXX different 'supervisors ' when I called. Neither could give me any information regarding my account, accept for alluding to my Friday deposit being involved. I was told the fraud department was handling my case, and that they did n't take phone calls. I was advised to call back in XXXX hours. I called back on Thursday XXXX XXXX, XXXX hours later. I was told they could n't give me any information, and to go into my branch to see my banker. I was on my way to work, so could n't go in until the next day, Friday XXXX XXXX. My banker cleared everything up, opening my account back up, and explained why fraud had been suspected. What he could n't explain is what this complaint is about. Why, over the course of 6 days, did n't anybody from Citibank reach out to me? If I had n't needed to get cash out of the bank on Monday I would n't have known that anything was wrong. If someone had been attempting to commit fraud, I would n't have been given the opportunity to protect myself and check other accounts. I could have accrued fines and had my credit negatively affected from automatic debits not going through. Worse still, If I was alone, with no support network, and no access to my money, I may not have been able get to work, feed my child, etc. I also find it frustrating that all the people I talked to during my XXXX calls were " supervisors '', and that they would n't direct my call to someone who really was in charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation