BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

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 explanation
Consumer complaint received 2023-08-03
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  # XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXXBalance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-08-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
X/X/17 I tried to follow up with Amex to let them know I 'm trying to get my debt resolved and what I can pay. i explain to them that my business has faced a hardship and was forced to close, but i am willing to try to pay XXXX a month until the debt is resolved or i can pay remaining balance i XX/XX/XXXX. They are telling me if I do n't pay in full they will keep attacking my credit with late fees and past due payments even though i am still currently making small payments to the Closed account. I was offered 2 payment plans that were out of my budget at this time and i explained to the rep this is a closed account that i am trying to pay on i should n't be paying amounts as high as my car note to resolve this debt I 'm trying to make payments that i can follow through with and works best for me and my family cause they have to eat. so i do n't understand why they not trying to help me in my situation when I 'm trying to do the right thing and pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Blackhawk Network Holdings Inc.
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
-Gift card from Gift Card Mall of {$100.00} -Card activated from home computer on XX/XX/ -Tried to use at XXXX XXXX on XX/XX/23 but was declined due to unavailable funds -From my phone, accessed the card info at XXXX and found 22 charges of {$4.00} to XXXX XXXX XXXX all done on XX/XX/23 until the balance was used up ( all but XXXX! ) -I am single and there is no one I know who even knew the card existed -No human available at number provided by Gift Card Mall and no selection criteria in the automated system to report fraudulent transaction -Went on Gift Card Mall website to find a way to report the fraud and was blocked (?!!! ) -Tried to find a way to report this to google but their system assumes the use of XXXX XXXX. However, that isn't the case here as this gift card has never been used before on anything google related -There is little information available to the general public about reporting gift card fraud and even less about reporting XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
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:
DO NOT CLOSE THIS COMPLAINT!!! this is not a complaint from a third party company. This is a complaint made by me XXXX XXXX. 
So I am the victim of identity theft. I would like this to be taken care of I have filed a police report which is included and i would like the accounts removed from 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 explanation
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Applied a payday loan from XXXX XXXX. I made most of my payments on time then fell behind because a restructuring at my current job. It was turned over to collections and I paid it immediately. The problem is that I am in desperate need of a vehicle and this is hindering my TransUnion Credit Score because it shows collections. All banks and dealerships use TransUnion Bureau. I contacted XXXX XXXX and they lady said we cant do anything about it. The balance states paid but its still on my credit report. I have disputed it with TransUnion cause it initially showed no credit history. This was inaccurate reporting and wanted it removed. They then added the credit history and left it on my credit report. However, it still remains on credit report and is unfair to me as a consumer. I have asked for the signed contract that this payday loan was to be reported to the credit bureaus with no success. Please 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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Background : Received statements with fraudulent charges- XXXX. I have worked for months to resolve this problem which was compounded by BoA refusal to speak with me or acknowledge POA. I was unable to get anything done until I made numerous complaints to cfpb. 
What is currently going on : I am still receiving fraudulent charges monthly on my father 's account. I challenged the XXXX XXXX pass and after complaining to cfpb it was finally removed. 
Just received the XXXX statement with a XXXX " XXXX XXXX '' charge on it, again fraudulent. 
I have asked, and asked, and asked BoA to take care of these fraudulent XXXX charges. This has been going on since XX/XX/2022. 
I am still receiving my dad 's charge card statements with XXXX charges! He does not use XXXX! 
I can not resolve this problem by getting a new credit card number because when my father and I both called BoA, it was probably XXXX, ( after BoA previously since XX/XX/XXXX refusing for over 30 days to acknowledge my POA and refusing to help me ) we were told that he has a POA and thus is not allowed to get a new card with a new number! So, we elected to keep the old card so he would at least have a card. We were also told by the customer service rep " why did it take you so long to report the fraud? '' So here it is, almost XXXX, and I am still trying to get this fraud that started in XXXX stopped. I can not seem to get anything done and I just don't have time for this 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 monetary relief
Consumer complaint received 2021-06-01
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
XX/XX/2021. {$7600.00}. I have requested Honda Financial service to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact Honda financial service, then Honda financial service telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CITIBANK, N.A.
State: TX
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 noticed XXXX charges on our Citibank credit card that we did not make at XXXX XXXX XXXX XXXX. First charge was on XX/XX/XXXX for {$280.00} and second charge was on XX/XX/XXXX for {$1100.00}. I reported the fraud to Citibank on XX/XX/XXXX. We received a letter dated XX/XX/XXXX that the investigation was complete and that they did not find evidence of fraud. I called Citibank on XX/XX/XXXX and asked that the dispute be re-opened because we did not make these transactions. I wrote a letter to Citibank on XX/XX/XXXX detailing why this investigation should be re-opened. On XX/XX/XXXX, we received a message from Citibank stating they were looking into the dispute. Citibank also stated that we did not have to pay the disputed transactions or related charges during the investigation process. On XX/XX/XXXX, we received an email from Citibank stating that they had received additional information and had re-opened the fraud dispute and that we would either receive credit if deemed fraud or would receive a letter regarding the investigation. As of XXXX we had received neither. I wrote another letter on XX/XX/XXXX and mailed it certified with return receipt. They received the letter on XX/XX/XXXX. No response, so I called Citibank today, XX/XX/XXXX and was told the investigation was closed and no credit would be issued. All documents and correspondence is attached. Please help us with restitution as we did not make these transactions. We have been Citibank cardholders since XXXX and have an excellent payment record with them. We pay our obligations in full each month and their denial that fraud was perpetrated against us is frustrating.

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 2021-07-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I received a loan for my vehicle at XXXX  XXXX of XXXX XXXX, CA XXXX. I was unable to pay for my car when it got repossessed by the bank due to my job laying me off. My work had sent me my last check due to covid-19. After I was left with outstanding debt. Nearly over {$9000.00}. It has been a few years. I have tried to make contact to collections but I have no luck. At on point I called to pay my debt on a credit card of $ 600+ & I believe that was a scam. I still have records of collections being due. I believe it is unfair the way my report has been handled and I am seeking a higher up to a help me with my claim. I can not afford to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Account information incorrect

Complaint:
My official complaint is against Experian, XXXX and XXXX. 

I submitted in XXXX for inaccurate reporting to be removed as a result my company has suffered injurious financial harm. 

To avoid hefty attorney fees for a lawsuit which I will Win. IM CURRENTLY WAITING ON A recorded call where I absolutely 100 % understood of a WARNING I RECEIVED from an XXXX agent that made it SO CRYSTAL CLEAR TO ME upon getting on the Second chance program A LATE PAYMENT WILL STILL REPORT ON MY CREDIT UNTIL XXXX. I need to have the recording WHERE I 100 % AGREED TO THAT STATEMENT ... ... IT NEVER HAPPENED ... ..From my understanding I paid to get CURRENT, my credit restored because lates were put on the back of the loan. Which is the RIGHT THING FOR XXXX/XXXX TO DO IN A GLOBAL PANDEMIC. I disputed the late payment and made ON TIME PAYMENTS the loan itself was REMOVED OFF MY CREDIT AFTER MY DISPUTE IN XXXX. 
It mysteriously resurfaced XX/XX/2020 and XXXX/XXXX informed me they had nothing to do with its removal. So if Experian removed it. On what grounds did they remove it WITHOUT XXXX/XXXX  PERMISSION? 
PLEASE REVIEW ATTACHED DOCUMENTS OF THE INACCURATE PAYMENT AMOUNT which by LAW ALL REPORTING MUST BE ACCURATE WITHOUT COMPLETE ACCURACY the reporting must be REMOVED. XXXX CAN NOT PRODUCE AN ACCURATE {$98.00} PAYMENT STATEMENT SO WHY WAS THE REPORTING NOT REMOVED IN XXXX. This is INSANITY. MY COMPANY IS IN A {$10.00} XXXX DOLLAR RAISE. I PAID OFF XXXX AND I WANT THE NEGATIVE INACCURATE PAYMENT HISTORY REMOVED OR WHO AM I TO SUE EXPERIAN OR XXXX FOR {$100.00} XXXX DOLLARS? SHAME ON ALL COMPANIES FILING LATE REPORTING DURING THE 2020 PANDEMIC KARMA WILL GET YOU ALL.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting are : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-31
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A class action lawsuit against Santander bank was bought forth last year which I was one of the victim 's in the lawsuit. Santander bank was accused of fraudulent and predatory car loans which has been deemed illegal. The case was settled out of court and Santander bank was required to remove all loans and or Derogatory remarks on my credit report. The class action lawsuit is very much public information. I would like this account to be removed from my credit report. 
Your efforts in investigating this matter would be appreciated. Please respond at your earliest convenience regarding the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I mailed a written request to Experian for my free consumer credit report AND file, which they received on XX/XX/2022 and I am still waiting on correspondence.

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 2017-08-09
Company: Resurgent Capital Services L.P.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX sent certified letter to LVNV Funding LLC to validate account and provide information on this account. They acknowledged receipt of this letter on XX/XX/XXXX signed by XXXX XXXX. Until this day, 4 months to be precise, I have not received any communication validating this account. I am enclosing the letter sent to LVNV Funding LLC and acknowledge receipt card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NV
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 is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX  XXXX Balance : {$690.00} ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief