BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$1300.00}, {$1200.00}, {$630.00}, {$0.00}, {$0.00}, {$200.00}, {$2400.00}, {$990.00}, {$2400.00}, {$9000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 

12. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Was struggling financially and USAA told me I had too be delinquent for months before they would help me. Then ask for military service refund for over charging me and they said they only go back 180days. 

It must be nice to break people financially before you can get help. From financial prospecting I had to close account and see greed as only thing understood by USAa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I received a Collection letter from the Collection Bureau of Hudson Valley , Inc. ( CBHV ). The collection letter states that I owe XXXX XXXX XXXX   a past due amount of {$70.00}. On XX/XX/XXXX I called XXXX billing department and spoke with Mr. XXXX. I told the billing person of the Collection letter.  After reviewing my current account bill and my previous account at my XXXX, NY. Mr. XXXX said all my bills are {$0.00} ( XXXX ) and I DO NOT have any past due amounts to be paid to XXXX. I then called the collection CBHV agency at XXXX and told the woman rep ( XXXX ) that I just spoke to XXXX billing and the billing person said I do not owe any past amounts to XXXX. XXXX told me that XXXX opened the collection process against me. I told XXXX that I never received a past due letter that I owed a past due amount of {$70.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX of 2022 I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX of 2022 which has been ignored and none of the issues were removed. 

In addition all XXXX bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.

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 2022-11-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This FAIR COLLECTION & O that has a balance of {$0.00} opened date XX/XX/ is not belong to me. I don't have an idea why I got this collection. THIS IS A FRAUD! I believe that someone used my identity to open this account. I am not the one who is responsible for this collection. It is not fair! I already filed an FTC affidavit. Please find attachment. 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 explanation
Consumer complaint received 2022-02-09
Company: Specialized Collection Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt was accrued in XXXX. Bankruptcy discharge happened in XX/XX/XXXX. This debt was listed as a discharged debt and was even removed from my credit report. Then on XX/XX/XXXX, this debt collector placed itself as an open collection account, even commented it was a bankruptcy account. This falls under illegal debt collection under bankruptcy protection. This was done in spite to hurt me as a consumer, 5 years after the debt was removed. Section 524 title 11 shows this as a bankruptcy discharge violation and illegal attempts to collect a debt. They had zero reason to place a collection on my credit report and was only done so maliciously.

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 2021-03-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'XXXX XXXX ' to my XXXX XXXX XXXX XXXX XXXX Upon receiving an unusual activity alert I immediately froze my account and called XXXX XXXX. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped XXXX points. I have called Equifax to file a dispute with them to amend my credit report. 

Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: TX
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 am unable to get my credit report from Equifax, XXXX  or XXXX, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  / XXXX  XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX to direct all communications to : Creditors, Bureaus Investment Group Portfolio No XXXX XXXX and XXXX Bank, XXXX XXXX. XXXX XXXX XXXX XXXX in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {$79.00} and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
XX/XX/ 2022 i found out that Capital One reported a 30 days late payment for the month of XXXX. I lost XXXX XXXX. They correct my credit history back but did not restore my points. In return I was denied of a HELOC Loan i had been approved for because my credit score is to low now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XX/XX/XXXX {$0.00} XX/XX/XXXXXXXX XXXX  {$0.00} XXXXXXXX XXXX {$25000.00} XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/ {$7600.00}

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2019-09-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Recently, after analyzing our travel pattern, I feel that we will benefit from both Amex XXXX XXXX and Amex XXXX XXXX. So I applied for both. 

I was content when the pop up appeared and told me that I was not eligible for the XXXX welcome bonus points because I already have a XXXX XXXX Card. 

However, when I applied for the XXXX XXXX XXXX, I got the same ineligibility pop up. There was no specific reason offered. I aborted the application at that time because it seemed unfair to me. I have never had a XXXX XXXX card, and I never received any kind of bonus offer with the Amex XXXX XXXX I had ( it has since then been cancelled ). Of all the conditions I read, I should have qualified for the XXXX bonus points advertised. 

I then contacted Amex. After hours of on the phone and speaking to 3 customer representatives, I was not able to get a straight answer as to why. One of them filed a complaint with Amex on my behave and told me they will contact you if they feel necessary. I was not contacted. I got all kinds of replies, some was made up ( i found out later ). But one thing in common is that they all agree that they dont understand why and that the decision was generated by a computer ( huh??? ).  And also that I have no one to talk to at that point and just have to take it. 

I am a XXXX and a responsible spender with excellent credit score. And above all, I have been with Amex since 2008, and this is how they treat their customers???!!! This is unacceptable to me and is false/misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Personal information incorrect

Complaint:
The address on my transunion report is incorrect and needs to be changed to match the address on my XXXX report which is correct. On transunion is shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Attached below is my transunion address on the report which is inaccurate and also my XXXX report with the correct address.

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 2023-07-20
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 did not open these accounts and I strongly suspect that they are fraudulent

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 2022-01-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This TD BANK NA XXXX Balance : {$3900.00} account is undoubtedly placed as a charged-off account and unknown to me, make sure you tell me the reason why there is a {$3900.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I switched addresses with XXXX XXXX and had been and continued to have automatic payments withdrawn from my bank account. XXXX  overcharged my new account number but maintained an amount due for old address. XXXX  admitted error and I was told the problem was solved. I began getting calls from Diversified Consultants saying I still owed XXXX. I provided proof and they reported a delinquency to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive opened the account online because Im the pandemic time everything was closed and they told me to do online. I received my stimulus check of {$1200.00} since I had no other bank and cant go out so I MOBILE deposited the check ( {$1200.00} ). After few days my unemployment money started coming in the account. In the meantime theyve placed block on my account for FRAUD. They didnt send me email, mail, or any call. I had no idea about it. I started working that time also because my bills and everything. 
One day I deposited {$90.00} in the account and couldnt get access to it called them since THEY DONT KNOW ANYTHING ABOUT THE ACCOUNT OR THE MONEY THEY KEPT FROM ME. 
I had {$1000.00} in the account when I call they keep transferring my call and disconnected. 
After 3 long months I kinda found out that they blocked my account for {$1200.00} check FRAUD which came from government. I have every single piece to prove that wasnt fraud. 

They are not working properly with me and kept my hard working money.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}

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