BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern : I would like to file a complaint against Citibank regarding credit card dispute & charge back for a floor sample reclining sofa I purchased on XX/XX/XXXX for {$2000.00}. 
Upon delivery of the sofa, we discovered it was missing a part ( Cables for reclining function ) so we refused the delivery and had the  furniture sent back to the merchant. The merchant refused to resolve the issue and would not provide a refund so I opened a dispute case with my credit card company, Citibank, on XX/XX/XXXX, where I was provided a temporary credit on my account. On XX/XX/XXXX, Citibank sent me a letter stating the case was closed in my favor and the temporary credit will now be permanent. Then in XX/XX/XXXX, 6 months after the case was closed, Citibank sent me another letter stating the dispute case was closed in error and since the merchant would not provide the refund, the charge would have to go back onto my account. 
I am now without the merchandise and without a refund this experience has been a complete nightmare with Citibank. 
Citibank is not willing to help any further. It really doesn't make any sense that Citibank reversed their final decision made 6 months ago and charge again {$2000.00} with no consent was very unprofessional - Citibank knows I do not have merchandise and the furniture store was closed due to COVID.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : 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 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 2019-08-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX XXXX  and experian for the wrong information but no response.

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 2021-02-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the company and the credit bureau for the two accounts is actually one account. Not only is it just one account the delinquent information listed is not accurate. I would like this corrected as soon as possible because it is stopping me from establishing a good credit history. Also every account that I am writing about I have disputed every account with Equifax and they still have not updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
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: Account information incorrect

Complaint:
There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.

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 2022-07-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was contacted by a woman named XXXX XXXX who claimed to be a job recruiter from a company called XXXX and she got my resume from indeed. I was interviewed on XXXX XXXX on XX/XX/XXXX and was hired on XX/XX/XXXX. I received {$4100.00} via check on XX/XX/XXXX in which {$400.00} was processed on that day and the remainder of it the next day. So the check cleared and the funds were available in my account. XXXX claimed the money was too pay for the work equipment I would receive for the job which she sent a list for. I was instructed to send {$1000.00} too a person and that was done via XXXX then she instructed me to send to another person whos names didnt match up. So after I notified my bank and it was a bad check and the scanner got XXXX. After weeks of contacting the FTC, Wellsfargo, XXXX and the fbis online fraud I have not gotten any help with retrieving my lost funds. My bank hasnt done anything besides contact the scammers bank and try to offer a refund too no avail. Now my account is in the negatives and I cant even close it out.

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 2022-07-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681x. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 non-monetary relief
Consumer complaint received 2019-11-04
Company: MoneyLion 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: Account status incorrect

Complaint:
Per agreement with XXXX  on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX last week and XXXX   today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2020 I was trying to pay the car off. The payoff amount was about {$1100.00} more than the loan. I was in a family emergency then so I just made the regular payment. As of XX/XX/XXXX my account page showed a credit of {$340.00} and a payment due of {$730.00}. I tried e-mail but got a generic response. On XX/XX/XXXX I called customer service. After several minutes I requested to be transferred to a supervisor. After much more time with the supervisor she did some calculations and said that I had over paid the loan and should receive a refund and title within 5-7 business days. More family issues so I did not call again until XX/XX/XXXX. Again I had to go through the phone tree to get a supervisor. Same conversation. I had overpaid and was due a refund. I asked about what happened. Evidently these " supervisors '' do not not have any authority to fix the loan and can only create an e-mail to that department on what the issue is. I called again XX/XX/XXXX, as I hadn't heard any updates. Same conversation again. 
On XX/XX/XXXX I received a delinquent payment notification. On XX/XX/XXXX I again called, but was transferred to the collections department. After being transferred to customer service and then to a supervisor yet again, that supervisor again agreed that I was due a refund and the title. Today I was again told 5-7 business days. I have also contacted Hyundai corporate by e-mail. There response was they do not mediate in these situations. I also contacted the dealer where I purchased the car with the same results. No explanation was ever given as to why the {$1100.00} difference from what is owed and the payoff amount. Each of these calls takes about an hour and are very frustrating.

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 2019-08-03
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out several times asking for proof of the actual debt and it only comes back that it was verified but they provide me with no physical proof. The item is reporting incorrectly and therefore is not reporting 100 % accurately and under the FCRA should be removed from my report. EX ) the payment history shows never late then jumps directly into collections. the account is showing as a closed account but is also showing as a collection and also has a monthly payment attached to it. All of these are reasons for it not reporting 100 % accurately and therefore should be removed. This information has greatly impacted my ability to obtain new credit and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX, I used an app called XXXX to reserve a hotel room at the XXXX XXXX XXXX. One room, one night. When I checked out, the XXXX XXXX charged me, as well as the XXXX website. I complained on XXXX. My bank, Direct Express, wrote me on XXXX, and they did not find that an error had occurred. Yet it still stands as an error against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681x. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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/2022 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, Experian and 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 mailed off letters to TransUnion and requested they investigate the negative information. They sent a letter stating it did not come from me, how can they tell? I am going to show you copies of what I sent as well as what they sent me. It is basically an excuse for them not to do the investigation. I have the right as a consumer to hire anyone I want to work on my credit. But the fact that I done this not a credit repair company is just sad, how can they just assume this wasn't me? I am hoping since I can't get them to do their job maybe you can. The information I disputed must be deleted 30 days from the date they received it if they do not do their investigation. I am asking that you please make them do their job since they don't want to do it! All documents will be included with this complaint. Thank you for your time!

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 2020-06-22
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax ; XXXX  and XXXX  are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
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: Old information reappears or never goes away

Complaint:
It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on Experian and XXXX. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking XXXX to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.

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 2017-09-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We closed this file XXXX XXXX according to my approval letter I had to send the HUD 72 hrs prior to closing. I had no task in equator so on XXXX XXXX I emailed him the HUD for approval ( feel free to check equator to verify all of this ). Tues he sent me a task and I uploaded the documents. On Weds the XXXX I spoke to XXXX and let him know that I was concerned because closing was scheduled for the XXXX and I still did not get an approval ( again I emailed it the XXXX ) He said he would work on getting it to me before closing. I call XXXX on the XXXX 3 times and I could only talk to his collegues. If I did not close the XXXX the approval letter was going to expire. I also left XXXX a voicemail. I emailed him all the closing documents no response. Now we are on XX/XX/XXXXand the funds are rejected because we did not have HUD approval. Can someone please show me where the HUD approval is? Since XXXX XXXX I go no HUD approval. Regardless now the title is transfer. XXXX XXXX no longer owes the house and you rejected his funds so now everyone is at risk on being sued. Let me know how we can fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: FORD MOTOR CREDIT CO.
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: Old information reappears or never goes away

Complaint:
It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and XXXX. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking Ford to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.

Company response to consumer: Closed with non-monetary relief