BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX XXXX I contacted, again by phone, XXXX XXXX XXXX XXXX asking them to remove the collection they posted XXXX  to the credit reporting agencies. Told them I had been promised the debt would be removed and would be given a letter to solidify the payment made XXXX. After, the rep said there was nothing they could do and that it was the law to report. Then even after mentioning fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802 in brief, I was still lied to about the removal of the account. 
They have differing addresses and names... 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX ( XXXX ) XXXX The second company, Chrysler Capital, I called in on XXXX XXXX XXXX  about removing the late payments, ( which differ between the three credit reporting agencies ), that were reported for the year of XXXX. After explaining that I was told the late payments would be removed because a new contract was being made, ( because the old contract had expired, but notice wasn't given by any communication, yet I was still making payments until something odd online triggered me to call in ), I was informed that it was the law that they had to report it. And after speaking with a supervisor, explaining in brief fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802, that I was trying to resolve the issue by phone... I was meet with an " I'm sorry, there's nothing we can do ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: SC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 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 items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report to see a loan in collections from " XXXX XXXX XXXX' ( which is a scam, and not my debt. ) I disputed the debt multiple times. I am now AGAIN receiving a bill from the debt collectors for {$1700.00}

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 2023-05-03
Company: OPORTUN FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have twice tried to close an account I have through Oportun ( an automated savings program formerly called XXXX ) in the past two weeks. They have not honored my request to close my account and continue to remove money from my checking account. I have over {$1000.00} in the Oportun account. I assume if they are doing this to me they are doing it to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX XXXX I called my bank Chase Jp Morgan XXXX I noticed an unauthorized charge for {$63.00} on XX/XX/XXXX with the following description " XXXX XXXX XX/XX/XXXX XXXX Dollar XXXX X XXXX ( XXXX XXXX ) ( ... XXXX ) '' on my checkings account via my debit card. 

I never made OR authorized this transaction and called on XX/XX/XXXX to report the fraudulent transaction. The representative from Chase on the phone then disputed the transaction on my behalf, which resulted in my current debit card being terminated and the amount was refunded immediately. 

However, onXX/XX/23 I see that the chargeback was reverse and that amount of {$63.00} was taken from my account again. On XXXX XXXX XXXX XXXX I called the bank and asked why this chargeback was reversed and the bank said that the merchant submitted information that proved that I made the transaction. They said they could not give me the information via email or over the phone and that I needed to wait XXXX days to receive it via regular mail. 

I finally received the information on XX/XX/XXXX and reviewed the docs. The merchant submitted a blank form with no identifiable information that proved that I made the transaction. The unauthorized transaction had no information to link to me. The address was blank. The XXXX was blank. The Name was blank. There was no information whatsoever in the document that the merchant provided that linked the transaction to legitimacy. I have attached this document in my attachments for your reference. 

On XX/XX/XXXX I called the Chase JP Morgan XXXX department again to notify them that I received the paperwork and that there was no identifiable information to link the transaction to me at all. I spoke to XXXX in the chargeback department. XXXX proceeds to tell me that this transaction was filed as a " Item Not Received '' and not as a " fraudulent transaction ''. I went on to explain to XXXX that this is not possible as I called and Chase literally cancelled my card and on the phone filed this as a fraudulent transaction. She said on her system that it was Item not Received! As a result Chase said they can not escalate the chargeback to pre-arbitration. However, this is not my mistake, I called and the phone call was RECORDED where I told the representative it was a fraud transaction. However, the representative messed up the reporting and as a result I'm stuck with a transaction I never even authorized. 

The entire experience has been jarring. I really hope CFPB will investigate how ridiculous of a round-about way they have treated me. 

The case number with Chase JP Morgan for the chargeback is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times

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 2021-10-25
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: Information belongs to someone else

Complaint:
This complaint is against XXXX  XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotically debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Central States Recovery, Inc.
State: SC
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 are numerous items on my credit report that arent mine. Ive contacted the hospitals and they dont have the records Ive disputed the claims but they are still on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a home call from a sales person from XXXX XXXX XXXX who outright lied and said that the equipment is free but I had to pay a monthly payment of {$96.00} to keep my security services active. When I was signing up for the fake monthly security services, I received an email looking to confirm my line of credit for {$4000.00}. I did not confirm the loan and told the representative that I was not interested and that told him that he did not disclose that this would be a {$4000.00} loan and I let him know that I was not interested. He apologized and said that he was new and had not been trained and did not know that this was a loan to finance the equipment. I received a text the next day from Citizens and I called to let them know what happened with XXXX and that I wanted to dispute the charges because I didn't accept the security equipment and I didn't confirm the loan online electronically. They told me that they could not close the account for 30 days after I explained that no account should have been opened because I didn't sign for a line of credit. I would like to dispute the charge and report XXXX for misrepresenting their terms. I am not trying to get into debt and acquire a {$4000.00} loan and if that would have been disclosed, a line of credit would not have been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent Credence Resource Management the Federal Trade Commission Identity Theft Report, Report Number : XXXX, and XXXX 's filled out and signed copy of their Fraud Management Form as proof that i indeed was a victim of Identity Theft and multiple accounts were opened in my name. I was never given a full account number from XXXX XXXX nor Credence Resource Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: JPMORGAN CHASE & CO.
State: ND
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB - AUTO FINANCE for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 NUMEROUS 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 items 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 : XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$38000.00} XXXX XXXX  XXXX Balance {$46000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023

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 2023-04-27
Company: Experian Information Solutions Inc.
State: MI
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 12th 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, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6900.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX Balance XXXX {$1800.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-01-30
Company: BANKERS HEALTHCARE GROUP LLC
State: TX
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:
Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with ResponseXXXX  during that time and had not heard anything since. 

On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX apartments in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. 
On XX/XX/XXXX, I received a hit from 4 inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I reached out to XXXX XXXX and all 3 additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an apartment complex in XXXX called XXXX on the XXXX. I reached out and spoke to the office manager and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. 
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. 

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Number is pulling up as : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Failure to Provide Debt Validation Dear XXXX XXXX XXXX, I am writing to bring to your attention that despite my previous request for validation of the debt, as per my letter dated XXXX XX/XX/2023, I have not received any response or documentation from your company. This failure to provide validation is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Details of the debt in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1400.00} As outlined in the FDCPA, I have the right to request validation of the debt within 30 days of receiving a collection notice. I sent a timely request for validation on XXXX XX/XX/2023, providing you with the opportunity to provide the necessary documentation to verify the debt, including proof of my liability and your authority to collect the debt. 
Given the lack of response and failure to provide validation within the required timeframe, I am disputing the validity of this debt and requesting immediate removal of the debt from my credit report. I have also informed the credit reporting agencies about this dispute. 
I expect your prompt attention to this matter. Failure to comply with the FDCPA and rectify this situation may result in legal action being taken against your company. 
Please provide written confirmation of the removal of this debt from my credit report within [ reasonable timeframe, e.g., 30 days ] after receiving this letter. Additionally, I request that you cease all collection activities. 
related to this debt until the requested validation is provided. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution of this dispute. 
Sincerely, 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