BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
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: Account information incorrect

Complaint:
I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX severe complications including XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing regarding a dispute of a charge of {$41.00} from XXXX, XXXX on XX/XX/23. On XX/XX/23, we attempted to use the " XXXX XXXX '' XXXX app to book a parking space in XXXX  XXXX  XXXX for the following day. We have used this app several times successfully in the past. However, on this occasion, the app malfunctioned. Our reservation didn't show in the app any time on XX/XX/23 or the morning of XX/XX/23. I took a screenshot on the morning of XX/XX/23 ( provided to Citibank ) to prove that the reservation was not showing up in the app. We also never received a confirmation email, as we had every previous time we used this app. 

On the morning of XX/XX/23, we wanted to cancel the reservation because it was no longer needed. XXXX XXXX XXXX Terms and Conditions allow for cancellation any time up to the start of the reservation ( XXXX XXXX XXXX also provided to Citi ). However, without it showing up on the app, there was no way to cancel it, and XXXX XXXX doesn't provide a phone number to call. Since the reservation wasn't showing up and we didn't get a confirmation email, we assumed it never went through. 

We didn't realize that we were charged for this reservation until XX/XX/23, when it showed up on our credit card statement. We immediately contacted the merchant by email but they were unhelpful and quickly became unresponsive. 

Multiple attempts to dispute the charge with Citibank have been unsuccessful. They claim we havent submitted evidence that we attempted to cancel the reservation. However, it was literally impossible to cancel the reservation because there was no evidence it existed until after it had already expired. This should be treated similarly to an undelivered product or service.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-29
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 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 items XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 
Thank you for your time and help in this matter. 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
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: VA
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-08-18
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:
Transunion is reporting a debit that is the result of identity theft/fraud. XXXX had an identity fraud breach and I was the result of identity theft from this breach. This account is in litigation with my attorney for the breach that took place. This should not be reporting on my credit.

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 2023-05-24
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Regarding this complaint, I am submitting this claim on the behalf of Department of education student loan lender has given out my personal information to a NEW lender that is now over my student loans which is now, NELNET ( the new creditor over my student loans ). US department of education has closed the account on XX/XX/2023 in the amount of XXXX and transferred all my information to NELNET as of XX/XX/2023 which made it as 8 accounts as students loans when it should be 1 account.

Looking at the 3 different credit reports, I also noticed some amounts differences in amounts on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: TN
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 a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Subject : Urgent Complaint Regarding Account Closure Due to Internal Error Dear Bank of America Customer Service, I am writing to bring to your attention a serious issue concerning my credit account with Bank of America, credit limit {$15000.00}, that has been unexpectedly closed on XXXX XXXX I have been informed that the closure was due to an internal operational error within Bank of America, and I must express my deep dissatisfaction with the situation. 

The closing of my account has not only disrupted my ability to manage my finances but also had adverse effects on my credit profile and credit limits. This unexpected closure has caused significant stress, inconvenience, and financial strain. 

I have reached out to your customer service department, but the issue has not been resolved satisfactorily. I am therefore writing this formal letter to insist on immediate action to rectify the situation. 

I kindly request the following : XXXX. A comprehensive investigation into the circumstances surrounding the erroneous closure of my account, including transparent communication regarding the nature of the internal operational error. 
XXXX. Prompt reinstatement of my credit account, with all previous terms and limits restored. Do not run y credit report again since BOFA currently has my credit history. 
XXXX. A review and correction of any negative impact this incident may have had on my credit profile, including communication with credit bureaus and the elimination of any remarks on all of the credit bureaus. 
XXXX. A written apology and assurance that appropriate measures will be implemented to prevent such an error from occurring in the future. 

I understand that mistakes can happen, but it is crucial that they are addressed promptly and responsibly. I value my relationship with Bank of America and expect that this matter will be handled with the urgency and professionalism it deserves. 

Please respond to this letter at your earliest convenience, either via mail or the contact information provided above, outlining the steps that will be taken to address this issue. 
Thank you for your attention to this urgent matter. I look forward to hearing from you soon.

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 2021-09-02
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX first attempted to call my wife, using a blocked number. They then called me, also blocked number, regarding a debt that I have no recollection of for a large sum of money. The debt is supposedly from Citibank, a company I currently hold a card with, from 2016 ( outside of Texas statute of limitations, regardless of the fact its not mine ) Caller had multiple pieces of personal information, including my address, which he emphasized several times. He threatened to sue multiple times and declined to provide written proof of the debt, as they had already sent it. I have received nothing from this company. 

Call was terminated when called advised I was going to be served. 

I immediately called Citibank who advised they have no records of any debt owed to them or correspondence with this collection agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I purchased a vehicle and it was financed with Exeter Finance XX/XX/XXXX. Due to health issues that caused me to be unable to work, I did a voluntary Repossession XX/XX/XXXX. After this was done, I was notified by Exeter Finance that they sold the vehicle at Auction and they received over {$6000.00} for the vehicle. This left a deficit of approximately {$3800.00}. 

This debt was sold to XXXX XXXX shortly after and XXXX XXXX is showing on my credit report with a balance of {$3800.00}. 

I have constantly disputed this incorrect information with the 3 credit bureaus. Exeter updated the information on my 3 credit reports and they are stating {$9000.00} was written off. This is completely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX XXXX recon claim got two letters in mail stating I was denied same day I recon. Its been 90days since all XXXX claims were filed. I received a letter stating I was approved for claim to go to my favor, it was dated XX/XX/XXXX but came in XXXX. I dont see how a paper dated for XX/XX/XXXX came a month later and the Letters XXXX XX/XX/XXXX came exact same day. All claims filed same time one approved two others on investigation. I been giving the run around and having financial hardships since not receiving cards in 2020.

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 2023-07-10
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: Personal information incorrect

Complaint:
As i took a look at my Credit report i noticed i have several names and several addresses that shouldnt be linked to me I am highly afraid of identity theft and would like my personal information updated i should only have XXXX name ( XXXX XXXX XXXX ) XXXX address ( XXXX XXXX XXXX XXXX fl XXXX XXXX ) and XXXX phone number ( XXXX ) any other name address and phone number should be deleted expeditiously do to the possibilities of identity theft please and thank you

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 2022-08-18
Company: EQUIFAX, INC.
State: NV
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 lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX back in XX/XX/XXXXAnd now Equifax, XXXX XXXX and XXXX has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CITIBANK, N.A.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I made a {$22.00} purchase at XXXX XXXX in XXXX, NJ. A {$100.00} hold was put on the card at the pump, but was not removed. Instead it went through, but I did not purchase {$100.00} of gasoline. I filed a dispute for the {$100.00}, but Citi claimed that because I was present when the card was used and I did not report my card as lost or stolen that the charge was valid and returned it to my card. I did not spend that amount on gas, and I never have. I want Citi to stick by their promise of 0 % fraud liability. This practice is allowing theft with Citi as an accomplice.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: PA
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:
Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXX, I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. Your agency signed for a documents on XXXXXXXX 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency. 

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm. 

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n. 

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter. 

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report. 

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.

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