BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/22, I submitted a dispute to my credit card company regarding a charge from XXXX XXXX lines that was applied however the charge was paid in cash. The credit card company responded back on XXXX that the dispute was closed without properly resolving the issue and providing zero evidence from XXXX XXXX  of the transaction. These charges were paid for in cash while on the cruise ship. The cruise ship app which lists all transaction history is no longer accessible while not on the ship. It has now been 30 days since this was originally disputed and the charge is still showing and again with zero evidence of the monies being owed from XXXX or Citibank. At this point the charge needs to be removed before I pursue legal action to remedy the situation. Failure to remove the fraudulent charge will result in a lawsuit. I will be contacting the Texas Attorney General to pursue legal action if this matter is not resolved and the charge is not removed permanently within 48 hours. I will be pursuing legal action against both Citibank and XXXX XXXX XXXX. Please see attached check that was refunded to me for overpayment.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is refusing to remove fraud related account from credit report after multiple attempts and documents sent to them beginning in XX/XX/2023 just recently they just asked again for proof of identity which Im submitting the letter and also the information requested through this portal.

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 2023-04-14
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone applied for a credit using my name, information, and address. They were unable to open as I have a freeze on all three credit reporting agencies but I was told to still report the attempt to FTC. 

Elan FinancialXXXX said they did not have the resources to figure out who applied for credit under my name.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX Balance : {$1100.00}.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( 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 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 explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: NH
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 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

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 2022-04-30
Company: Ability Recovery Services, LLC
State: TX
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:
I have tried disputing this account through all credit reporting agencies. After the dispute was submitted, the account is now being reported twice using 2 different dates. This appears to be in retaliation of the dispute. This debt is not mine. I have filed an identity theft report with the FTC. This record needs to be removed as it is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. CAPITAL ONE BANK USA ( Opened XX/XX/2011 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Received flyer in the mail about this company and applied! I was approved quickly for XXXX and needed to make repairs to my lawn tractor so I thought it was great. The company did send XXXX. Immediately after XXXX was taken from my account. The document where completely falsely made because after the signing because now the documents say that the pay back is XXXX for the XXXX. I have emailed the address on websites well as tried to call and have gotten no response. This is the most ridiculous thing I have experienced in my life. They have all of my personal information so I need to close my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to contact LEXISNEXIS to get incorrect information listed on my MOTOR VEHICLE RECORD removed and the representative that I got on the phone advised me to contact XXXX XXXX back as they are the ones that submitted the incorrect information to LEXISNEXIS. Here is details : I filed a claim with XXXX XXXX regarding damage to my vehicle. The estimate was for XXXX with a {$500.00} deductible which resulted in XXXX XXXX in the process of issuing to me a payment of {$71.00}. In regards to issues with the bank account they were to send the {$71.00} to I asked of my Claims Advisor over TELEPHONE that the ENTIRE AUTO CLAIM REQUEST be CANCELLED. XXXX XXXX my claims advisor stated that she reversed the direct deposit of {$71.00} and CLOSED CLAIM OUT. Well to my surprise XXXX XXXX has reported the accident to LEXISNEXIS ( which handles MOTOR VEHICLE REPORT DETAILS ) that there is an accident listed under my MOTOR VEHICLE RECORD ( MVR ) OF AN AT FAULT ACCIDENT WITH PROPERTY DAMAGE OF $ XXXX WHICH RESULTED IN MY HAVING XXXX POINTS AGAINST MY DRIVING /INSURANCE RECORD. So when I contacted other vendors for auto insurance the rates was excessive and when I ask why I am told that because of the " XXXX points '' on my MVR listing an AT FAULT ACCIDENT IN THE AMOUNT OF $ XXXX I have contacted XXXX XXXX about this and was advised to call LEXISNEXIS and when I spoke with LEXISNEXIS I was advised that XXXX XXXX is the company that gave that information and I would need to contact them back to get corrected. Well as of XX/XX/2021 that information is still on my MVR report WHICH IS INCORRECT and I can't get XXXX XXXX to remove it. I NEVER RECEIVED A PAYOUT FOR PROPERTY DAMAGE WITH XXXX XXXX FOR CLAIM # XXXX IN ANY AMOUNT. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CB1, Inc.
State: MT
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 account with CBB Collections is an account that was " assigned '' to them in XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX XXXX fraudulently opened an account in my name in the middle of XX/XX/XXXX after I had moved across the state XX/XX/XXXX because of XXXX XXXX XXXX XXXX XXXX. I did have an initial loan with XXXX XXXX XXXX  for a used SUV but I unintentionally defaulted on that loan after I moved. XXXX XXXX XXXX had repossessed the SUV in the middle of XX/XX/XXXX but spent the next 4 1/2 years adversely and fraudulently reporting to the credit bureaus not only on the account attached to the repossessed SUV but also on the second account they opened in XX/XX/XXXX AS WELL AS " assigning '' the fraudulent second account to CBB Collections who then began reporting negatively and continue to do so to the credit bureaus. After I discovered all of this on my credit reports, I tried multiple times to dispute with the credit bureaus only to have the results stay the same and on my reports. I finally filed complaints regarding XXXX XXXX XXXX as well as XXXX and CBB Collections with your company. The second, fraudulent account with XXXX XXXX XXXX  ended up getting deleted from my credit report with XXXX but the account from CBB Collections stayed as they " verified '' the account for CFPB and the initial account with XXXX XXXX XXXX was corrected and now states " Paid '' with a " Balance {$0.00} '' as well as " exceptional payment history. '' Now I'm having the same exact issues with CBB Collections and XXXX. The account with CBB Collections should be null and void and they should not still be reporting a balance of {$5800.00} owing as well as continuing to report on the account each month because the account that was assigned to them has been proven to be a fraud! They no basis on which to attempt to collect any amount of money on an account that technically did not exist! I want this removed from my report before I have to retain a lawyer and sue each and every company involved for preventing me from being able to secure credit and further build my credit worthiness on my good name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions. I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Genesis Credit Management is the collecting agency for XXXX XXXX XXXX  Apartments who is the original creditor. I have never had an apartment with this creditor. They indicated that someone moved in XXXX of XXXX. I have owned and lived in my home since XXXX of XXXX and have NEVER had an apartment at this location.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX a check in the amount of XXXX was mobile deposit into my account it showed a non credited deposit transaction. So I called customer service about the check that was mobile deposited into my account. And customer service informed to redeposit the check into the my account and therefore I did. I was under the assumption that all transactions was credited correctly due to there notification I went to purchase food for dinner on the XXXX of XX/XX/2020 and my card was declined therefore I called the bank customer service and they informed me that I owed them money due to the mobile check deposit transaction. I now owe the bank money {$1300.00} As of todays date I never received any notification of me owing them any money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me with this time is XXXX statement that dont have my full legal name and an address that I never live at. To this Alleged account that you can not prove is mine. I know this account is not mine because you showing me my XXXX XXXX address we have the same name. 

Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or Original Purchase agreement. Said contract or Original Purchase agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. Please include all the terms and conditions that are in this said Contract or Original Purchase agreement. 

XXXX non fit XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You MIDLAND CREDIT XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX non fit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently flew on XXXX XXXX on XX/XX/2021. While on the flight, the flight attendants offered a credit card application. If you filled it out in flight. They offered XXXX bonus miles and XXXX extra for the in flight application. You then had to use the card in 90 days. And pay the {$89.00} application fee. I spent almost {$5000.00} and paid the {$89.00} fee. I was awarded only XXXX bonus miles from the card issuer. When I called they told me that the card only carries XXXX bonus miles. Every pc of the credit card brochure clearly states XXXX bonus miles. There is no mention of XXXX bonus miles anywhere in XXXX credit card application. I would not have applied under those limits. I feel this is a deceptive and unfair practice.

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 2022-05-01
Company: Resurgent Capital Services L.P.
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I closed my Chase Amazon charge because of personal reasons. I requested a letter or email from Chase stating my account was paid in full and I left in good standing. The reason for this is in case one of the credit reporting companies gives me a negative score from closing the account. Also in case Chase sends a report that is incorrect. I asked the Chase rep with whom I immediately explained why i requested such letter. Also that Ive had issues with credit reporting companies before. She told me NO. Before I could ask further she hung up. If a customer leaves a credit card company in good standing why cant the company issue a letter 3 weeks later after the account is proofed out and there is nothing negative at the customer 's request otherwise nothing. A customer should have the right to know what companies write about them and not months later when applying for a loan and something stupid shows up and the person is blind sided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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