BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have summited I complete RMA Packet to Shellpoint and have asked to postponed my sell date. they there reviewing my document as of  XXXX / XXXX / 17  and they have not postponed my sale date they are double tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: UT
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 disputed charges on a Chase business credit card directly to Chase back around XXXX. Chase removed as fraudulent a number of those charges, that were in fact unauthorized. I repaid the remaining balance understanding that the payment was in full and complete resolution of any balance owing on the card and that there would be no adverse affects to my credit. The card was closed out and no negative report showed up on my credit. Fast forward to XXXX, I applied for a credit card at a business - whose financial institution happened to be Chase- and I was denied. Not only was I denied, suddenly a credit report showed up that the earlier card had a charge-off amount the roughly equaled the amount that had been previously deemed fraudulent and waived. How convenient of Chase to wait years, and then suddenly break their agreement to me and slap my credit with a negative report.

I was lied to by Chase- they committed fraud to induce my agreement to pay off the credit card by representing that my credit would not be affected - and then hit my report 3 years later with a bogus report that they had charged off some amount, in violation of their explicit representation to me that they wouldnt if I paid the remaining balance. 

I disputed this with XXXX, but they havent done due diligence or conducted a thorough investigation and forced Chase to recant - even though they have clear record that the card reported didnt have any negative consequence on my credit UNTIL XXXX 

I tried to open a few disputes before, as I did just now, and less than a day later they close it. XXXX is damaging my ability to qualify for credit or loans elsewhere, by reporting the fraudulent reports that were sent by Chase YEARS AFTER A RESOLUTION HAD BEEN REACHED- but XXXX wont thoroughly investigate or even ask the simple question why is this being reported now, so many years later? This is reckless on the part of XXXX and fraud on the part of Chase. Please help! 

PS, they have all the phone calls recorded and I discarded my materials related to this card, including notes of my calls, after the resolution because I relied on Chases representations to me, and I was able to confirm those representations by seeing at least two years of no negative consequence on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought XXXX US Bank Visa Debit Gift Cards at my local grocery store. The amounts of each card were {$490.00}, {$450.00}, {$500.00}, {$500.00}, and {$500.00}. Since the purchase of these XXXX cards I was unable to make any purchases. I called the help number on the back of the cards many times to troubleshoot and each time the service representative stated they could not see any attempted transactions and had no explanation for why my cards would not work. They would confirm that the appropriate amount was still on each card each time I called. Eventually, it was evident that the cards would not work and that XXXX was unable to make them work. They offered to replace the XXXX cards through the mail. The service representative filed the appropriate paperwork to have replacement cards mailed to me. They stated that my original XXXX cards would be disabled at the time of this phone call and would not longer work. I was not offered any tracking number and their was no security on the XXXX replacement cards being mailed through the mail. Essentially, US Bank mailed me ~ {$2500.00} of cash through the mail with no security or tracking number. When the cards arrived I called the number to activate them and set a pin number. XXXX of the XXXX cards had the correct amount ( {$490.00} and {$450.00} ). However, the remaining XXXX cards had the wrong amounts ( {$50.00}, {$200.00}, and {$200.00} ). All three of these cards should have {$500.00} on them. I called the number on the back and was informed that the original cards ( which were not supposed to be active anymore ) had a charge to an unknown account in Washington ( I live in Colorado and have not traveled to Washington ). I was told I would have to file a transaction dispute for all three cards to get my money back. The service representative stated she would do this for me but that I would have to provide a written statement and photos of original receipts and of the original gift cards. She stated I could do this through the online website, through fax or through the mail. I informed the service representative that I was unable to log into the online website with my cards and she stated I would then need to fax the information to them. I asked if they had an email address to facilitate this or if they could help me log into my account. They stated they could not and that I would need to fax them. They also stated that the dispute would take up to 90 days to process. 

US Bank has defrauded me of {$1000.00} dollars in replacing my gift cards and has only offered me a 90 day dispute claim that can only be processed through fax. I would like an email address to help resolve this issue as fast as possible.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: NJ
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 reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2021 I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and XXXXnvestigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

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 2022-10-26
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA,XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.

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 2023-05-01
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XXXX XXXX, I purchased an TV from XXXX through a 3rd party company ( XXXX ). This tv came out to be {$320.00} which is normally divided into 4 payments which I was ok with. The first payment came out to be {$81.00}. Everything went well and few hours later XXXX sent an email that this package was supposed to be delivered by XX/XX/XXXX. I waited XX/XX/XXXX and nothing was delivered. I waited a few days later, I even tried to reach XXXX, but they stated that they sent the package to XXXX and XXXX was supposed to be delivering the package. Thereafter, after a few days have passed, I went to the XXXX  website, but the notifications stated that this packaged was never picked up and that it was still in the XXXX distribution center. Therefore, I contacted XXXX & stated to cancel this order, since it would never get here. They didnt seem to care, so I contacted XXXX & my bank ( Capital One ) to obtain some kind of resolution. My bank started the disputed transaction and a few days later I obtained a temporary credit on my account for {$81.00}. Keep in mind, I used XXXX as a 3rd Party company, since about 2 months before, I lost my home due to a house fire & needed multiples items to obtain for my rental home. After a few weeks later, XXXX finally concluded that they were wrong and refunded the money, but since the bank contacted XXXX. XXXX closed the file on this account & stated that this transaction was legit and they thought that I was already given the refund, which is totally incorrect. The temporary credit that was given to me by the bank. They took it back even though, I am still owed {$81.00} for an item I never received. 
The bank denied my case and at this moment are doing an investigation. The bank is keeping my {$81.00} hostage for the money I am owed. I have all the proof from XXXX and XXXX, but the bank dont seem to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Atlanticus Services Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is showing on my report as closed as of XX/XX/2023. Today, a late payment was hit on my account, dropping me XXXX points. I do not understand how a closed account with no history of late payments can suddenly do this and drop me XXXX points. If this account is closed, it should not be able to make updates to my report 3 months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: College Ave Student Loan Servicing, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Loan opened without my consent or knowledge

Complaint:
My name is XXXX XXXX XXXX and I checked my credit report on XXXX XXXX and found a XXXX loan. It is from XXXX XXXX XXXX XXXX for XXXX dollars. I never took this loan out and never would of. The loan was taken out XX/XX/2022. I need this off my credit report. I do not know how this happened! Thank you, XXXX the account number says it is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have on several occassions contacted transunion, XXXX, and XXXX and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON XXXX, XXXX, AND TRANSUNION. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM TRANSUNION XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA 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 2023-08-24
Company: LFG Data Services Holdings, LP
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-10-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit 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:
My credit card was used to purchase items from XXXX from a fraudulent email address. My XXXX email address & the email address used are totally different. XXXX has told my telephonically that they could see that the email address was fraudulent. I've disputed 3 times with Barclays Credit Card but was denied as XXXX refused to credit the charges. I requested the documentation that was sent to uphold the charges from Barclays and the documents showed that the purchases were made from a fraudulent email address that had an IP address from a different state ( XXXX, IL XXXX reside in XXXX XXXX NY XXXX from where I reside. I've called XXXX several times to attempt to have them resolve with the credit card company Barclays Bank but they haven't resolved this. I've asked for a letter to give to Barclays Bank as XXXX has acknowledged that they could see the charges were fraudulent and they stated by phone they would send but still have not sent a letter. The charges were from XX/XX/ {$130.00} & XX/XX/ {$130.00}. Interest fees associated with the charges have also been charged.

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 2022-12-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already disputed this charge from my account but it is still appearing on there. I am not the person they are charging me. The amount is of {$1100.00}. I disputed the transaction on in 2021 and It still is affecting my credit. It doesnt appear on any of the other credit bureaus and I want it off of my account because it is still appearing as a collection on my credit and it is affecting it.

Company response to consumer: Closed with explanation