BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV Funding damaged my credit by XXXX points reporting false information on 2 separate occasions. as of right now I have lost XXXX points because of this fraud. They started calling saying I owed them XXXX for a debt that is in Judgement and has been for years. The company LVNV Funding reported to XXXX that I missed a payment on a debt that is in Judgement. I filed a report to XXXX about this and they reversed it giving me my XXXX points back. LVNV Funding turned around and reported that I missed a paint on the same account that's in Judgement the next month. I attempted to fill another claim but it would let me so I'm still down XXXX pkints

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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: Investigation took more than 30 days

Complaint:
I disputed fraudulent information on my credit report beginning XX/XX/2018. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. XXXX  has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed XXXX  a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at XXXX. 

I did send the same to Transunion and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at Transunion. I have a copy of the return receipt for Transunion. 

XXXX  has removed it and has been good to work with. 

XXXX has been very difficult on every level.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2020-04-02
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6300.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I used Citi Credit card to purchase XXXX XXXX laptops for a total of {$3600.00}, {$450.00} for each. 

On XX/XX/2020, Tracked shipping and XXXX tracking showed orders been delivered. However, I did not receive the products. I have filed the Police Report and informed the merchandise of the missing goods. And I disputed all the XXXX transactions with Citi. I called Citi multiple times, but they did not help to dispute the transactions. I provided the Receipt, the policy report to Citi, but Citi did not do the investigation and Citi still charged me the amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Remove the following items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1. Dueto the covid-19 forbearance program regulations it states that no late payments are to be reported the financial credit bureau during the time of covers forbearance period XXXX Account Number : XXXX This is violation of my rights. please update to never late 2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Waypoint Resource Group, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting this dispute on behalf of a debt collection I have reporting on my credit. The information being reported appears to be fraudulent due to a potential identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$20000.00} XXXXXXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XX/XX/2020, MY XXXX  AND TRANSUNION SCORE DROPPED 191 POINTS DUE TO XXXX   REPORTING THAT MY ACCOUNT WAS 60 AND 30 DAYS PAST DUE, THEY REPORTED TAHT I MISSED TWO PAYMENTS, THAT IS NOT TRUE, I RECEIVED MERCHANDISE THAT WS BROKEN BY THE DELIVERY DRIVER, I CONTACTED XXXX AND WAS TOLD NOT TO MAKE A PAYMENT UNTIL THE FURNITURE WAS FIXED, I SPOKE WITH XXXX ON XXXX, SHE INFORMED THAT THE CREDIT DEPT WSA CLOSED AND THAT SHE WOULD SEND THEM AN EMAIL SO THAT THEY CAN CONTACT ME, I SPOKE WITH XXXX XXXX ON XXXX SHE ASKED THAT I FILE A DISPUTE WITH THE CREDIT BUREAUS SO THAT IY COULD BE ESCALTED XXXX THEIR CREDIT DEPT, SHE TOLD ME THE ONLYWAY FOR THEM TO REMOVE THE MISSED PAYMENTS WAS TO FILE A DISPUTE, I RECEIVED ANOTHER PHONE CALL ON XXXX FROM XXXX XXXX SHE INFORMED ME THAT SINCE ITS BEEN THREE MONTHS AND THE FURNITURE COMPANY HAS NOT FIXED THE BROKEN MERCHANDISE THAT THEY WILL EXTEND THE 90 DAY SAME AS CASH TO AN EXTRA 30 DAYS SO INSTEAD OF BEING XX/XX/XXXX THAT THEY WILL GIVE US TO XX/XX/XXXX TH XXXX TO HAVE THE 90 DAY SAME AS CASH, SHE ALSO INFORMED ME TO FILE A DISPUTE WITH THE CREDIT BUREAUS AND ONCE THE DISPUTE IS RECEIVED TAHT OKINUS WOULD APPROVE THE DISPUTE AND THE LATE PAYMENTS WOULD BE REMOIVED.

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 2018-05-01
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This just another one of the many issues I have had with GM Financial during the course of my loan. I have requested review of m y account on two occasions within the past 2 years because of loan payments not being applied correctly which resulted in additional finance charges. This complaint has come about due to the non reporting of my correct account balance information after I have called and complained to GMFinancial and disputed the reported incorrect information with the credit bureaus. This incorrect reporting was the cause of a disapproval for credit for a major purchase. This was listed as the deciding factor for the new credit disapproval. At the time of this complaint, my balance is XXXX ( est ) and has been reporting that way since XX/XX/2017 as XXXX ( est ), which is the last date reported by GM Financial. Additional has been requested and can/will be submitted to your agency upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Biehl & Biehl, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I tried to put an advertisement in a newspaper. Due several changes in the newspaper 's staff I had in contact with many people in there trying to close the deal in vain when finally on XX/XX/2021 I could made business with one of them for {$150.00}. The advertisement was paid and published according the contract terms but the newspaper generated two different invoices by two separate persons in two different dates, so now after almost XXXX years the case remains in a collection agency for an invoice of {$400.00} and is almost impossible to solve the problem with the newspaper due lack understanding. 
I have been receiving letters and phone calls from the collector but only tells me I have to try to solve the problem with the newspaper or pay the debt. 
I have the whole emails chain history because the newspaper and I always tried to communicate each other through that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1400.00}

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 2021-05-07
Company: Experian Information Solutions Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did not approve of this credit inquiry never applied for anything with this company ever

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have only had two purchases in 2023 on my Target RedCard XXXX : a purchase for {$3.00} on XX/XX/XXXX and a purchase for {$2.00} on XX/XX/XXXX. Presumably due to the small balance on the credit card, I was never notified by Target that there was an outstanding past due balance on this account outside of emails notifying me that a monthly statement was available. These notices contained no indication of the account status and looked exactly the same as months where the account was inactive with a {$0.00} balance. Target then continued to make no attempt to notify me that the account was past due, while charging a $ XXXX/month fee until XX/XX/2023, when the fees caused the account balance to cross an arbitrary {$10.00} threshold. Once the account crossed this threshold, a past-due account was reported to all the credit agencies. Upon seeing this notification on an app monitoring my credit report, I immediately paid off the account and contacted Target to perform an investigation as to why no attempt was made to contact or notify me about the past due account earlier. I have launched investigations into this matter through the company, the XXXX, and various credit agencies, and each time Target solely claims that they must " report accurate credit info '' and have not adequately investigated whether the low balance prevented whatever notice of past due accounts that are normally sent from being sent to me. I also maintain that Target is falsely claiming that they are not investigating the matter due to the credit reporting being " accurate '', as they did not report the account was in a negative state for several months until it had crossed some arbitrary balance threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
N According to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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. State I have the right to privacy.

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

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 2020-06-25
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: Problem with personal statement of dispute

Complaint:
I requested to have the following personal statement " XXXX XXXX XXXX is a fraudulent mortgage account in my name '' added to the XXXX XXXX Account being reported by Experian. I have mailed numerous letters to Experian requesting a personal statement be added since XX/XX/2020. Experian after I filed a CFPB complaint now responds on XX/XX/2020 that if I want a personal statement added to this XXXX XXXX XXXX account being reported then I can submit it. I have already mailed five letters asking for my personal statement to be added months ago. It is now XX/XX/2020 only five days from XX/XX/2020 and Experian has not added my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Someone fraudulently withdrew {$1300.00} using a XXXX transfer from my bank account.We got a call from the bank telling us what to do and then I found out that caller was fraudulent as well.The phone number came up on my phone as from my bank, but that was fraudulent as well.Now the bank has denied my claim and refusing to refund the money to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened the Lowes card in 2020. At activation, they offered payment security. I opted out verbally. However, the automated system replied that I had enrolled. So I called Synchrony to unenroll. When I called, I was directed to a third party. I contacted the third party and was told I was no longer enrolled. I later noticed fees on my statement. I then contacted Synchrony to inform that the third party had failed to cancel enrollment. I was told to contact the security protection company again, which I did. I have done this multiple times over three years but am still enrolled. Last year I even wrote a letter and sent to the address on my credit disclosure. I make my payments every month but my balance is not moving because they are billing me fees plus interest on fees each month. My original balance was approximately {$700.00}, three years later it is {$660.00}. The only way ( other than paying in full ) that I know to make progress is to cancel the security protection, but I have not had success although I have paid approximately {$700.00} in fees and associated interest.

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