BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: AZ
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 formally dispute the validity of one collection account listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts. 
If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BARCLAYS BANK DELAWARE
State: NC
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/XXXX I was notified regarding possible fraud charges to my account. I contacted Barclays that day via phone and confirmed that there were in fact fraudulent charges on my account. I specifically flagged XXXX charge for {$44.00} that came through looking like a fake XXXX charge. Normal temporary XXXX charges show up as follows XXXX XXXX. This charge showed up as XXXX. I told the representative it was fraud on XX/XX/XXXX and she was negligent in flagging it. Therefore the charge went through to my account and I had to make XXXX additional calls only to be told to contact XXXX. That is not possible for a transaction that does not exist in my account. I provided a screenshot of what the charge looked like on XX/XX/XXXX. I also sent screenshots of my XXXX account - showing no such charge exists. I received a letter on XX/XX/XXXX saying that, after further review, they were not able to assist me in obtaining a credit to my account due to the following we were not provided the true nature of the dispute when first notified of the claim. This is 100 % untrue. I have been very clear from the beginning. I have had a credit card account with them XXXX and their customer service is getting worse and worse as well as their ability to stop fraudulent charges in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: WI
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 my Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet there are accounts still passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. I will take legal actions regarding my aims. The following accounts needs to be removed : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00}.

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 2023-10-12
Company: EQUIFAX, 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My XXXX XXXX XXXX personal checking and savings account were closed XX/XX/XXXX. I was informed that there was a balance due on my account of {$79.00} and upon remitting payment, I would be able to open another account. I completed payment on XX/XX/XXXX. Once again, at this time, I was told that I would be able to go into a branch and open an account. when I received my consumer report from chex systems to verify this had been removed, I see there is a statement that says Suspected Fraud Activity. I had previously disputed this information in XXXX and forgot about it. I never recieved a copy of the dispute or the results as required by law. When I called XXXX XXXX XXXX to get this situated, I receive 3 different stories from the Recovery Department, Risk Department, & Fraud Department. No suspicious activity has ever been brought to my attention. How is it that the company can report, " suspected fraud activity. '' I still have open and active accounts with XXXX XXXX XXXX. If there was suspected fraud activity, why would my accounts stay open. I need this removed from my consumer file.

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 2021-04-19
Company: BAM Management US Holdings Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My account was randomly suspended from withdraws or trading without any type of warning or explanation as to why it happened other than a message that popped up when trying to trade or withdraw that said trading or withdrawing had been suspended. I deposited {$100.00} in to my account on XX/XX/XXXX and a few days later, it magically disappeared. On my account activity page on the platform, it shows no history to what happened to that deposited amount. Additionally, I had sold some dogecoin on XX/XX/XXXX for {$430.00} and a day later, that amount disappeared too from my account with no explanation. I have submitted a helpdesk ticket via their website and I have had no replies other than automated generated emails saying my ticket was received. They have no support phone number at all. You can not even follow up on your ticket as it is noted in the email that any response to the ticket from you with further send the ticket back in the waiting queue. I have missed out on trade opportunities that would have resulted in exponential profit due to my account and funds restricted from doing anything. I have also submitted a complaint via XXXX on XX/XX/XXXX with no reply so far as of writing this. I have also come across hundreds of XXXX postings with users of this platform experiencing the same issues with no reply from the helpdesk with some reporting that they have no response for months! I have no way to move MY money out of the platform due to it being restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: LA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: KEYCORP
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: Account status incorrect

Complaint:
I had an account with my daughter ( XXXX XXXX ) at XXXX XXXX that was CLOSED in XXXX. KeyBank opened a XXXX  XXXX XXXX with my information. We received a bill for {$30.00}. I spoke with with KeyBank 's financial fraud department on XX/XX/XXXX and disputed the transactions and was told the account was closed ( spoke with XXXX XXXX # XXXX ). I received a letter from KeyBank and called again on XX/XX/XXXX and spoke with a representative ( reference number XXXX ) who told me the credit account was closed and I was not responsible for charges. I discovered when I went to purchase a vehicle that this was a " blemish '' on my credit report. On XX/XX/XXXX, I contacted KeyBank and was on the phone for over 2 hours being transferred from one department/individual to another, eventually speaking with XXXX ( reference # XXXX ) who indicated that I should submit a Credit Bureau and Consumer Report Dispute Form to KeyBank Links Customer Service Area and I would receive a response in 30 days. I submitted this report online and never received a confirmation. 
My FICO score is being impacted due to a " delinquency balance in XXXX '' and a balance is still listed ( on my XXXX  Credit Report ) when I am trying to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2020, I was charged 4 times NSF fee ( {$35.00} each time ) for the same transaction. 

The transaction was attempted two times on XX/XX/2020 and two times on XX/XX/2020 and for every attempt, the bank charged {$35.00}. 

Ive been advised that this is ilegal and the bank should have only charged me once for NSF for that transaction. Therefore, NSF total charges were {$140.00} and I should have only been charged {$35.00}. 

I contacted Bank of America and they stated that they couldnt refund the fees.

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 2021-04-19
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid are lease off and paid the buyout for the vehicle and have called several times so we can get the odometer statement and tax document for il so we can get the title each time they said they will both fax them and mail them and I still have recieved nothing

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