BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: U.S. BANCORP
State: MO
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:
A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and US Bank in order to get the issues cleared up. US Bank has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, US Bank seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet US Bank ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a XXXX XXXX credit card being reported by XXXX, XXXX and TransUnion. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.

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 2023-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
Credit Acceptance received the opt-out notice and still shared my information with a third party. This is the fourth notice.

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 2023-01-03
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 2021-01-14
Company: Carvana Group, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX online, the vehicle was delivered to my address and the funds taken from my checking account. I signed all the documents the delivery person gave to me and uploaded all the documents requested by XXXX. A week later XXXX requested again proof of insurance in which I uploaded the same document they took a picture of at delivery and that I had already uploaded to them. Over the next couple of months, after numerous attempts to obtain a status of my title and registration, and after multiple requests from XXXX to provide even more documents that they already had, I never received my title of registration so I filed a complaint with the NC Dept of Justice and XXXX responded on the XX/XX/XXXX. They admitted there was a problem with the title, there legal team stated they were able to confirm the title was now ready for processing on the XX/XX/XXXX and that they would expedite my registration. XX/XX/XXXX I received a call from the advocate trying to assist me, after a few attempts to request she call me. She stated that the entire deal had been returned by the vendor for a title issue! It has now been almost 4 months, I've been driving on temporary tags and do not legally own my own car which was a gift for my daughter, totally ruined the surprise. 
I was told by the advocate that she has requested a self registration and will try and find out the process and can not give me an ETA. I informed the advocate of the letter from Carvana Legal and she was unaware of the statements they made regarding my title issue. NC requires the dealer to submit the registration within 30 days, I have now requested that Carvana either produce a good title that I can register in NC or refund my total cost for this vehicle, they have been deceptive and they stall knowing full well they had no right to sell the car to me in the first place, they were not the owner of the vehicle, to this day NC shows the vehicle in question being registered to the first owner out of XXXX NC. I need help in resolving this issue, because I'm out of pocket over {$16000.00} and can not obtain a loan on this car to pay myself back because I do not legally own it, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Earlier this year, after being an HSBC Premiere customer for 13 yrs, I opted to close all my business and personal accounts and move to XXXX. I personally went into the HSBC brancXXXX on XXXX XXXX in XXXX XXXX, FL where the teller closed all the accounts, issued a bank check for the funds and assured me there was nothing more that needed to done from my end. 
A few weeks later, the bank manager XXXX  contacts me to let me know there are outstanding balances on the accounts that are accruing fees. I tell him its not possible as the accounts were closed. He shows me that they had in fact remained open. We proceed to close them again along with Credit Card account. 
XX/XX/2021 -Found out my HSBC Premier Credit Card had not been closed as instructed and was accruing fees. 
-Called HSBC Premier spoke, went through issues that had kept the account open without my knowledge, resolved the outstanding balances, brought the account to zero balance, and was assured the account was closed and that there was nothing further needed on my end. 
-Account Closure CONFIRMATION in notes attached ( Call was recorded ) XX/XX/2021 -I was in the process of refinancing 2 properties. Mortgage agent called to say my credit score had dropped due to a delinquent HSBC amount. I told him it wasnt possible as the account had been closed more than 2 months ago. 
Mortgage agent said a simple letter from the HSBC Bank Manager stating the error would suffice, and that he could send it to the Credit Bureau to rectify. 

Detailed Notes of Daily Records Attached XXXX2021 After numerous calls to HSBC in an attempt to resolve the erroneous delinquency reported to the Credit Bureaus , my credit score has dropped from XXXX to XXXX. This has resulted in the mortgage company no longer able to refinance my 2 properties as the credit score is too low, which is now significantly impacting my business and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : 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 an account without my written instructions. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2023-03-17
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent accounts and inquiries Appearing on credit report. 



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 2019-06-18
Company: NCC Business Services, 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: Account information incorrect

Complaint:
My credit report shows I have a collection account with NCC Business Services. It shows I owe {$770.00} reporting on XX/XX/2017. This information is incorrect. I have never done business with NCC Business Services and I dont owe them any money. I disputed this account several times. I was sent an old lease from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 2021-10-19
Company: CITIBANK, N.A.
State: DC
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:
Credit cards was open in my name by someone else. Credit cards I applied fir was received by someone else and active uses. My bank/atm card was used by someone else in 2006 to purchase a building/house in New York. Name used as purchase for building/house in new your was XXXX XXXX. Person listed me as self employed on purchase of building/house in New York XXXX Person that is connected to house and all credit cards and miss information and phone numbers dont belong to me and addresses is my wife boyfriend. Credit cards was recently reported to credit companies so as well of the purchase of the building/house for XXXX dollar in New York XXXX The person name that came up as using my card for purchase of XXXX in New York for XXXX dollar name is XXXX XXXX XXXX XXXX This person have taken over all life active of me and social media and even created fake emails as me and logs in as me on social media, XXXX XXXX to give friends and coworkers of mine false info of me. He also used XXXX and other media to request coworkers and friends to conversation with him. There is many other domains created by him and my wife to hide them self from me knowing there 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 monetary relief
Consumer complaint received 2021-10-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH LVNV FUNDING LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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 is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.

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 2023-06-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They said they said they sent legal documents from like 7 years ago to my residences then gave me locations that I didn't even live at. Then said well there is also another person on the account and of you settle for half the amount full amount was almsoylt XXXX that they would write me a letter and go after the other person instead then said if I pay by Tuesday I can pay only XXXX instead of XXXX, would not provide actual proof of the debt from the bank listed anything I questioned they would just get rude and hang up then said well since you know everything we will just sue you I asked for actual proof even contacted the old bank and the collections department they said it is a scam, he said if we are suing you we don't have to give you proof of the debt!! Person name was XXXX XXXX with XXXX out of ca then next time I called he said he was with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
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:
What happened? 
Fraudulent activity on credit card ending in XXXX - Many attempts to resolve this issues- so many calls and two packets of information that were sent to Barclays. Managers do not return calls - the representatives keep stating it will be 10 days to resolve. It has now been almost 6 months and Barclays has admitted responsibility. 
Notified Barclays, submitted all supporting documents and followed up per the request of Barclays After of period of 5 months, they have still not resolved the issue. 

Company Name : Barclays XXXX XXXX XXXX XXXX, Delaware XXXX XXXX Action : Barclays Response XX/XX/2022 Internal team at XXXX began XXXX error in credit card statements XX/XX/2022 Internal investigation on-going XX/XX/2022 Called Barclays Barclays provided steps to submit claim XX/XX/2022 Received confirmation that packet was received XX/XX/2022 Called XXXX for status update XX/XX/2022 Received notice stating that we would receive full credit except for XXXX charges XX/XX/2022 Received payment of {$73000.00} XX/XX/XXXX Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update Sent another packet of past What amount : {$170000.00} What would be a fair resolution? To refund all monies that are deemed fraudulent What have we done to try to resolve the issue? - Multiple calls and letters were sent to the Barclays investigation department. This has been very upsetting.

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 2021-10-19
Company: Medical Data Systems, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 Medical Data Systems I added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account 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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I am recieving purchase confirmations for a card in my previous name with a different address. 

Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX  I tried to have the purchases cancelled however noone seems to know how to do that. here is the order information delivered by XXXX/XXXX  after I notified both of them. 
Purchase Date : XX/XX/2021 Order Number : XXXX Total : {$76.00} Payment Details XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX {$76.00} Order Summary Product Total {$69.00} Charges Shipping FREE Sales Tax, Fees & Surcharges {$6.00} Order Total {$76.00}

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 explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
There is incorrect information on my credit report as well as a fraudulent account.

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