BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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:
i was checking my credit report and I was shocked, because of my credit score id too low. I believe that someone have my personal information. I have never applied for these accounts

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are inquiries that I have attempted to get information on that were not authorized. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX ( twice ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Thank you for the prompt answer my last inquiry, I am sorry, I was n't being specific what forms I was asking for. I am attaching this time with this email a sample of the form I need from you, I hope that will help. I have three forms from Bank of America, XXXX form from XXXX and Sample from XXXX XXXX website. Three of these forms will show the principle reduction you made to my account. If you disagree on authenticity of these document please state for me the reason. Exhibit # 1. my tax statement XXXX form XXXX. ( XXXX pages ). What that documents show are the balance of {$4500.00} and escrow balance of {$28000.00}, which have been transferred to fay servicing ( no deferred balance ). Please read carefully the important notice of information on page XXXX. Exhibit # 2 from my loan payment history document page XXXX, also shows the last balance from Bank of America which is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 3 from XXXX ( the new servicer ) also confirms that, the balance you transferred is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 4 from my loan payment history document page XXXX shows that you have written off ( the deferred balance ) {$280000.00}. If you disagree please give me full explanation what this reductions is. After long investigation, I have concluded that you are missing XXXX document to sent XXXX, which could clarify all this confusion. and that is Exhibit # 5. Would you please sent me a copy of that form to me and XXXX. Remember, you have sold my house by giving a fraudulent misrepresentation information about my account to XXXX XXXX, if this issue do n't resolve immediately, I have no choice but to take my case to the federal court. remainder the principle reduction program will be run out by XXXX/XXXX/XXXX. 

Thank you XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
This is a dispute to our CFPB complaint case # XXXX originally submitted XX/XX/XXXX. Response received on XX/XX/XXXX from Bank of America is not satisfactory as the bank is not explaining why the property did not qualify for a line of credit extinguishment under the Department of justice settlement with Bank of America of XX/XX/XXXX. All other properties owned by us qualified with no special request from us. We are not understanding why the Bank of America is collecting from us as the property in question was surrendered under chapter XXXX bankruptcy in XX/XX/XXXX. The bank advised that they will proceed to foreclose the property unless payment in the full balance due is sent to them. The attached letter further explains our dispute with Bank of America.

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 2022-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi, I am a victim of identity theft. When these accounts were opened, my personal information was stolen and used to commit fraud against me. I have given no authorization to these companies to open these accounts OR run my information. I need these accounts to be REMOVED/DELETED IMMEDIATELY because it is affecting my credit score tremendously and is affecting me from being successful in my life. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please DELETE the FOLLOWING items as soon as possible : EQUIFAX ACCOUNTS : XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$12000.00} XXXX XXXXXXXX OPENED : XX/XX/XXXX AMOUNT : {$300.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$730.00} XXXX OPENED : XX/XX/XXXX AMOUNT : {$300.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$430.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$220.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX MY ID AND SSN IS ATTACHED TO THE DOCUMENT " EQUIFAX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
Our Macy 's American Express Account Statement for the period ending XXXX XXXX, 2015 included a charge ( Transaction Date - XXXX XXXX, 2015 ; Posting Date XXXX XXXX, 2015 ) for the XXXX XXXX XXXX, XXXX ( XXXX? ) for {$24.00}. I have never been to XXXX, AL ; Ihave never dealt with the XXXX XXXX XXXX ; this is NOT my charge. I reported it to Macy 's American Express, to the XXXX ( XXXX ) Police Dept. [ CR : Det. XXXX XXXX XXXX ] and to the Macy 's Amer. Exp. Fraud Dept. ; all were notified on XXXX XXXX, 2015. I paid the {$310.00} bill minus the {$24.00} fraudulent amount. Our Macy 's XXXX XXXX XXXX ending XXXX XXXX, 2015 still lists the {$24.00} charge plus {$2.00} interest [ Total : {$26.00} ]. Ihave notified all XXXX major credit bureaus and established Fraud Alerts with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Visited the office of a physician XXXX XXXX XXXX XXXX TX. for a XXXX. Listened to information and was hard sold and reluctantly agreed to give my CitiCard as payment. After a few days of research and speaking to my primary physician I decided the service was not for me. I have contacted the office of the physician to get a refund which they are denying me. I have contacted CitiCard to dispute the charges providing written documentation from the physician showing I have received no services and CitiCard refuses to reverse the charges, stating that the services are available to me when I wish to take advantage of them. The key here is I do n't want this stuff in my body and I should not be forced to pay for something I do not want and have not received.

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 2017-04-27
Company: AES/PHEAA
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: Was not notified of investigation status or results

Complaint:
On  X/XX/2017    FED LOAN was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED LOAN never responded to my letter. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017 and t he balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/2017   F ED LOAN jumped the loan amount back to {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, I was unlawfully discriminated against by Lightstream when I applied for a used auto loan and pursuant to 15 USC 1691; it was a violation against my rights as a consumer! I reached out to express my frustration with the company and they directed me to an email, that they said, contained the results that allegedly led to my denial, which wasn't the case. The email didn't serve as a resolution to the infringement upon my rights so I decided to reach out again and so far, no resolution!

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 2016-12-17
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Applied for XXXX Citibank Citigold accounts with promo code XXXX ( AA XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible and would receive a total of XXXX bonus miles. Finished all the requirements and was told that they can not honor because I was not targeted. After initial complaint, Citi deposited XXXX AA bonus miles for the first account ( ending in XXXX ), but still missing another XXXX from the other account ( ending in XXXX ). Dispute has been unresolved for over 6 months.

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 2022-01-19
Company: Advanced Resolution Services Inc.
State: GA
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 consumer XXXX XXXX, sent XXXX a request for my consumer report. They have not supplied me with a copy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 noticed several hard inquiries on my Transunion and XXXX Credit Reports that do not belong to me. Ive reached out to the creditors as well as Transunion amd XXXX informing them they were fraudulent and no one helped me. Just gave me the run around. 

Unauthorized Hard Inquiry Listed on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX  XXXX XXXXXXXX, 2021 XXXX XXXX Inquires Listed on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX, 2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 2021

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 2016-08-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Cardholder purchased item that was defective using Citibank USA credit card while abroad in XXXX. Merchant refused return of item despite merchant 's documented policy allowing such a return. Citibank USA requested documents from cardholder to verify, and was irreasonable in what sort of documents cardholder could obtain while abroad for extensive portion of calendar-year. Cardholder honored Citibank USA requests for documents. 
For this XXXX 2016 purchase dispute, on XXXX XXXX, 2016, Citibank USA concluded to cardholder : " We previously contacted you requesting information necessary to complete this inquiry. Since you did not include all the requested information or documentation in your response, we are unable to assist you. Please contact the merchant directly if you wish to pursue this matter further. 
We now consider this investigation complete. '' Cardholder feels that he has honored all requests and been cooperative with Citibank USA during the 6 months of dispute and that Citibank USA has failed in its fiduciary responsibilities in handling this matter. Cardholder has suffered monetary loss of {$440.00} USD as a result.

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 2016-11-21
Company: Bonneville Billing and Collections
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am in collections for a utility in a city and state that I have never lived. The collections agency said I had to call the police and report identity theft. I called the XXXX Police and they said since it is XXXX account and not total identity theft it is most likely an error. I have disputed the debt multiple time with the collector and with the credit agencies but each time the debt collector reaffirms that this is my debt. I have never lived anywhere near XXXX Idaho, where the original creditor says the account was opened. I asked for proof of identification that was used to satisfy opening the original account and no one can provide me with any of those details. This is not my debt and it is damaging my credit as it is the only negative item I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account opened XX/XX/XXXX Account closed XX/XX/XXXX Still reporting on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX 2021 my balance was {$1800.00}. I paid the balance in full, and I called Comenity Capital Bank XXXX XXXX powerup rewards credit card to close my account and received an email stating that my account was closed. They did not close the account and they have been charging me interest on it. what they are trying to do is nickel and dime me for chump change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-02
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My name is XXXX XXXX and I am {$100000.00} in debt. 
My entire life I was told that I should go to college. I was told I would not get a good job without a degree. My dream was to go to XXXX and when I found XXXX XXXX XXXX I thought my dream had come true. The Financial Aid offices said I could go there as long as I took out loans. I was told that once I got my degree I would be able to pay them back based on my income and I would make enough to support myself and pay back my loans ; none of which are true. I began working full time to support myself and ended up needing to drop down to XXXX credits and spent a fifth year getting my degree. If I did n't work I would 've had to leave. My 2nd year-4th year I officially moved to XXXX, was paying New York taxes but I could not become a NY resident despite this and was still subject to out of state tuition which was significantly higher. I disputed this several times but as long as I was in college I was not a resident. 
To pay for school I took out {$76000.00} in private loans ( Citi bank- citi assist ) and approximately {$25000.00} in Federal to get my degree. I have been paying each loan on time for 4 years and I still owe more than I borrowed. My interest rates vary from 3 % to 10 %. A few years back I spent 1 month out of work and requested a temporary deferment on my loans. I knew I could resume in 30 days time and just needed a one month delay. Citibank sold XXXX of my loans to XXXX who then hiked my interest rate up to 10.875 % There is no end in sight for me. I will never own any property. I wo n't get married. I am stuck in an endless cycle refusing to default as my father was my cosigner. This is my life.

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