BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately

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 2019-11-22
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I tried calling the company listed on my XXXX  that did a hard inquiry without my authorization I did got the run around the company didn't exist I got sent to synb bank they  said I had to go back to XXXX  I keep going in circles and I need your 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 explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$22000.00}.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent the company XXXX a dispute for an account that isnt mine several months ago. Next, I filed a complaint with the CFPB XX/XX/2023 and it has been way over 30 days. I feel like they are prolonging their process and not deleting the account. It is now XX/XX/2023 and still no removal or deletion when the company knows thats not my account or debt.

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 2022-06-13
Company: EQUIFAX, INC.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4 Validate Account Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: PA
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:
Several months ago I sent a dispute to XXXX about a collection on my credit report. I asked for various things to prove this belongs to me and they havent investigated within 30 days. I put a complaint in with the XXXX also. This account does not belong to me.

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 2022-06-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I obtained in XX/XX/2022 a credit card with Citibank # XXXX, since then I was able to use it a couple of times and then it has always been a problem to use it, so I asked for the cancellation of the account and return of my {$2500.00} deposit money plus an extra {$3.00} on the same credit card, this bank works extremely badly, and so far they have not canceled my account or returned the money, I am tired of calling CITIBANK so I turn to you to help me solve this situation, since I had an accident and I urgently need this money back. 

XXXX My ID is my passport # XXXX XXXX XXXX Cellphone 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 2020-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed 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

Company response to consumer: In progress
Consumer complaint received 2023-11-28
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting 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:
From XXXX I have been in and out of XXXX  with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX  along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through IdentityTheft.Gov. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.

Company response to consumer: In progress
Consumer complaint received 2018-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am the owner of the phone number described in this complaint. I have been continually harassed by Portfolio Recovery Associates, Inc. 
Portfolio Recovery Associates, LLC ( PRA LLC ) XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX www.portfoliorecovery.com I have written to them and told them many times during their harassing phone calls to stop calling. The use a number " spoofer '' to generate a new caller ID every call to evade attempts of the receiver to block their completely unwanted calls. I have kept a daily log of their activity, although it is challenging since they use a different caller ID each time. The number they are calling is a business number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 explanation
Consumer complaint received 2023-07-18
Company: Merchants and Medical Credit Corporation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to file a formal complaint regarding M & M CREDIT placement of a collection on my XXXX, XXXX, and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from M & M CREDIT. Upon reviewing my XXXX, XXXX, and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by M & M CREDIT. 

This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from M & M CREDIT regarding this alleged debt. I have no knowledge of any business or financial transactions with M & M CREDIT. Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. 

I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of M & M CREDIT, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by M & M CREDIT on my XXXX, XXXX, and XXXX credit reports. Determine whether M & M CREDIT has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. 

Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. Ensure that M & M CREDIT ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. 

I have enclosed copies of my XXXX and XXXX credit reports reflecting the reported collection account from M & M CREDIT. Additionally, any supporting documentation regarding my attempts to contact M & M CREDIT or request validation of the alleged debt is also included for your reference. I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Credit Bureau, I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Account name : XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements. 


Sincerely.

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

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 2023-05-06
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to contact Cavalry on multiple occasions regarding an account they are reporting on my credit report. I have called and each time I call they say they don't have information on the account that XXXX XXXX XXXX does, and they transfer me to them and then I cant get ahold of anyone at this office, This debt was paid XXXX of 2021. I am submitting the settlement letter from XXXX & XXXX dated XX/XX/2021 and the confirmation of payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing.

Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I purchased plane tickets through Chase Travel Rewards. The day before traveling, I realized that the name was incorrect on the ticket and wasn't my legal name. I called to change the name on my boarding pass on XX/XX/XXXX for a flight from XXXX to XXXX on XX/XX/XXXX. Chase Travel Rewards charged me the price of a new ticket, in addition to a {$50.00} name change fee. The original ticket cost me {$300.00}. The new ticket they forced me to purchase is {$630.00}. So, in order to update my name, so my ticket reflected my legal name, I had to pay a total of {$680.00}. All they were required to do was to update my record. I wasn't requesting any upgrades or anything else, just a change of name. 

This is a blatant abuse of power. If I had not changed my name on my ticket, I would not have been able to board my flight and return home. I didn't have the capacity to contest the charges at the time, because I just needed the change to be made, so that I could get home to my kid. I am writing to request a refund for the ticket that I was forced to buy, in order to get home using my correct name. 

A note : The other name Chase has me under is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I have money in my XXXX XXXX XXXX XXXX  account. 
I used Xoom to transfer US {$1300.00} from XXXX to XXXX XXXX, XXXX. 
XX/XX/2023 : Xoom debited {$1300.00} from XXXX account, transaction ID XXXX, but did not execute the transfer to XXXX XXXX, XXXX, as requested, citing some error with recipient address. 
On that same day, Xoom debited the 2nd time, another {$1300.00}, transaction ID XXXX, again did not transfer, this time citing some error with remitter address. 
These 2 debits, amounting to a total of US {$2600.00}, rendered my XXXX account negative. 
Xoom subsequently refunded me {$1300.00}, and {$1300.00} only. 
I wrote to Xoom many times, as well as tried to contact them, all to no avail. 
Xoom keeps stating that they debited {$1300.00} once, and once only. 
They refused to refund me the other {$1300.00} amount. 
Recipient receives nothing. 
I lost {$1300.00} in the transfer process, my account balance now is only {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : 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