BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
Bank of America account fradulently opened. BoA was called and notified. They have closed the 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 non-monetary relief
Consumer complaint received 2023-01-28
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to 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

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 2022-01-30
Company: Paypal Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope all is well I just want to start off by saying thank you very much for allowing me to use PayPal pay in 4. I been trying to pay my Pay in 4 but it hasnt been showing up on the website for me to pay luxurybrandholdings inc. {$90.00} and I been checking it everyday other day. I decided to call and they advised that Im in collecting, I pay all my bills. I havent ever been in collections in my life, I dont appreciate this because if I would of saw it, I would of definitely paid it. Im glad I decided to call PayPal because if I didnt I would of never knew about it because I was assuming I paid it in full since I couldnt see it no more on the website or got any call or anything in the mail about it. I have no problem paying it and I would like to pay it. It better not be on my credit with the credit bureaus because I been trying to pay it and I assumed it was paid because I didnt see it or hear anything about it. Please fix this issue with your website and allow me to paid this in full. If anything is reported to the credit bureaus it needs to be removed ASAP possible because this was not my fault at all because again if I would of saw it, I would of paid it. I dont mind paying it now. Can you please make sure Im able to use the PayPal pay in 4 in the future because this isnt not my fault at all and also I should not be charged a late fee. I also have XXXX myself my baby and my son so please be understanding of that as well too but again it was not on your website to pay I check all my accounts including yours every other day and I pay my bills on time. Thank you very much for your time, I look forward to resolving this issue but please fix your website cant pay for something you dont see and I definitely been checking as well I need to be able to use the PayPal pay in 4 in the future because this isnt my fault. Have a wonderful day and please continue to be safe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My late husband XXXX XXXX XXXX was a 100 % XXXX veteran. 
XXXX XXXX XXXX XXXX sent me to collections for a bill that should have been paid by the Veterans administration. As a widow I am unable to afford this Collection debt. 

I did dispute the charge but they insisted that I was responsible for his hospital bill. 
I also called Kings Credit Collection agency to talk with them but they insisted I was responsible for the bill also. They suggested I contact the XXXX XXXX XXXX to try to resolve this issue. I was not informed that I would be sent to Collections by the XXXX XXXX XXXX. 

I have also tried to resolve this with the VA but was unable to get this problem resolved. 

I feel that the VA should have paid this bill. My late husband passed away suddenly on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly XXXX XXXX Balance : {$360000.00} XXXX  XXXX Balance XXXX {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}

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 2018-12-13
Company: Bass & Associates, P.C., Attorneys at Law
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The complaint is against Bass & Associates a debt collection agency out of XXXX, AZ and XXXX, TX. They are fraudlent and misrepresenting legal debts fees, they harass their customers and go behind customers back and file wage garnishers and sending wage garnishments while their asking for documents, no hearing but they are taking money without giving the customer a chance to set up a payment plan I also disputed some loans and they are trying to garnish my wages, I provided proof of why I did not owe and they sent it behind my back and told me the garnishment would proceed and im going to say it my name is XXXX XXXX and I feel my consumer rights have been violated, im filing for harassment, dishonest business practices, misrepresenting the legal status of a debt, threatnening with lawsuit and wage garnishment, demanding a amount thats not supported by law or the original creditor amount, this is a FDCPA violation. I provided proof of the dispute and they still proceeded with the garnishment without a hearing at a rate of 15 %. These people almost left me homeless. I want this matter taken care of as soon as possible I tried to reach out to them, but it was a slap in the face. After I provided documents I was told it would be a additional 60 days for a hearing while they proceeded with the garnishment, I even faxed paperwork and was told it would be 24-48 hours before it would be looked at. The school closed and I told them that and I disputed the other loans because they were too much for a XXXX XXXX loans totaling {$60000.00} dollars when the original amount was only {$12000.00} for the program. I also explained to them that I have been a victim of identity theft as well and I sent documents they dont care about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: JPMORGAN CHASE & CO.
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 applied for, and received a {$2500.00} credit line from XXXX XXXX Chase.They closed the account on XX/XX/XXXX and when I inquired as to why, they said that in XX/XX/XXXX, I had an adverse relationship with Chase for a Slate card. I have never held a Chase Slate card in my life. They could not tell me if it was charged off, paid off, or what since it was so old. In XX/XX/XXXX or XX/XX/XXXX, I had filed a Chapter XXXX   bankruptcy which doesn't even show up on my credit report but they are using the Slate card from 17 years ago, that I didn't even know about, nor do I have any way of disputing it as it doesn't show on my credit, as well as the bankruptcy that was so long ago, it doesn't even show on my credit as their basis for closing my account arbitrarily. I need to know who opened that Slate card and am curious if it's even legal to use information that far back that is not even on my credit reports as basis for terminating a credit line. In XX/XX/XXXX, I was living in public housing, working my XXXX off to take care of my kid after an abusive marriage. I now hold two XXXX   degrees and work for the most prestigious marketing agency in XXXX Florida - How do I get this fixed? Also, despite closing the account on XX/XX/XXXX, they put another inquiry on my report on XX/XX/XXXX that needs removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: TD BANK US HOLDING COMPANY
State: NV
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:
I CALLED TARGET ON XX/XX/23 TO REPORT MY CARD LOST/STOLEN WHEN I WAS TRANSFERRED TO AN AGENT I ASKED TO SPEAK TO FRAUD THE AGENT SAID HOW CAN I HELP YOU, I SAID I WOULD LIKE TO SPEAK TO FRAUD, SHE THEN REPEATED THE SAME THING, I AGAIN TOLD HER I WANTED TO TALK TO FRAUD AND SHE GOES I AM FRAUD, I INFORMED THE REP THAT I DID NOT KNOW THAT BECAUSE SHE NEVER TOLD ME SHE WAS FRUAD THE AGENT THEN DISCONNECTED THE CALL I SPOKE TO THE SUPERVISOR AND SHE SAID OH I WILL FILE A COMPLAINT AND SHE WILL GET TRAINING. I TOLD HER NO SHE NEEDS TO BE TERMINATED, THE SUPERVISOR THEN DID NOT ADDRESS THE PHONE CALL TO BEGIN WITH AND I HAD TO TELL HER WE ARE NOT DONE. TARGET NEEDS TO STOP HIRING EMPLOYEES LIKE THIS. THE SUPERVISOR REFUSED TO REVIEW THE CHARGES ON THE ACCOUNT AND TOLD ME SHE CANT HELP ME AFTER VERIFYING ME WITH A ONE TIME PASSCODE THEREFORE WE HAVE NOT BEEN ABLE TO TAG ANY CHARGES AS FRAUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX XXXX is reporting fraudulent activity to ChexSystems under my social security number. They are falsely accusing me of fraud activity, and showing that I have an unpaid balance with them in the amount of {$2300.00}. Their claim is not only false, but it is also defamatory. 

I have been denied credit due to their lies, if they do not remove this listing immediately from the ChexSystems report under my social security number, I will be seeking damages due to their defamatory actions!!

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: 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: Account information incorrect

Complaint:
XXXX. I visited A XXXX bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.

2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And XXXX accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( XXXXXXXX XXXX XXXX ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

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 2022-01-30
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$4800.00} in 2019 and to date have paid back {$6800.00} and the company still has me owing {$5500.00} and refuse to work with me to settle the debt. This is predatory lending. 200 % interest must be illegal. However, the loan is paid off. Under their terms I will never pay it off. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 I went to the XXXX store in XXXX FL and made a purchased for {$1600.00}. I was given an extra discount for being a XXXX XXXX Customer and the total purchase was more than {$1500.00}. While walking out we noticed they had charged a 5 gallon paint at regular price when it was marked down. We returned and they apologised, refunded the item and re-do the purchase at the discounted price. 
Two days later, on XX/XX/XXXX, I received a notification from XXXX about a charge. I called the store to ask what is was about it, they said they didn't know and that I should call synchrony bank to find out. 
I called Synchrony credit services and they didn't know what the charge was either but went ahead and canceled my credit card and issued a new one. At that moment I lost access to all my transaction history. Four hours later I called the store and cancelled the items I had purchased ( they were appliances and had not been delivered ). When the transaction was canceled, they told me the " mystery '' charge disappeared from their system, proving that it was related to that purchased. 
Few days later, Synchrony had not issued the refund for the cancelled appliances. I called them several times and they said they had to investigate the matter. I went to the XXXX store and brought my paper receipt. They called Synchrony bank and sent them the receipt. At the same time they showed me a transfer balance they were doing to my new account. I told them I had made that payment on XX/XX/XXXX. Then they said it would take few days to update on the new account. 
From XX/XX/XXXX that Synchrony cancelled my credit card, they didn't give me any access to my transaction history. 
Just today, I found out, they posted a {$690.00} balance transfer form my previous card. I called them I told them that was an error and mentioned the payment done on XX/XX/XXXX. They said they couldn't do anything about it but send me the statements and I could then dispute it. 
Payments I made : XX/XX/2023 paid {$2300.00} ( They said that was the full amount owed ) Purchased after that. This information was provided by phone today by one of Synchrony credit services account manager. 

XX/XX/XXXX : {$37.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$240.00} XX/XX/XXXX : Paid {$710.00} All purchases done after XX/XX/XXXX were with the new card and are correct but the balance transfer of {$690.00} from my previous card is incorrect. My payment of {$710.00} posted the same day they close my account and their system marked it as balance when I actually paid it off. 

The cancelled credit card that the balance was transferred from last 4 digits are : 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 2021-09-20
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by Loancare , LLC from XXXX in XXXX. XXXX sent me a letter with the new loan number attached. I made my payment via online banking to the provided new account number on the payment due date XX/XX/2021. Unfortunately the account number provided by XXXX was incorrect. On the XXXX, I inquired as to why my payment had not yet posted. I filed research request adding the correspondence I had received and providing the loan payment amount as well as the date and how it was sent. I have spent countless hours and several attempts to resolve this non posting of my payment by presenting copies of my bill payment and processing and as of yet still have no resolution. The company provides no direct person to speak with and I feel I am going in circles. By tomorrow I will need to make a duplicate payment to ensure I have no long term credit damage from this event. This will put a financial burden on my family as a double house payment is not an easy thing to deal with.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
In reviewing my credit reports, I noticed a fraudulent account on all my credit reports. I contacted XXXX, XXXX and Experian. I was informed that they needed an FTC report and verifying documents to remove this fraudulent account. I sent an FTC report to XXXX, XXXX and Experian along with the verifying documents requested. XXXX has taken action, however XXXX and Experian continue to report false information and damaging my personal credit. I resubmitted and FTC report for the second time to both XXXX and Experian along with the verifying documents. XXXX and Experian continue to report false information. They are stating that the information is verified. 

If someone has my name, social security number and any other identifying items then it will always come back verified. I have done my part and have made it very clear to both XXXX and Experian that this a fraudulent account and have sent the correct documents to them twice. XXXX more time than I should have to. XXXX and Experian need to remove this fraudulent account as they have the documentation requested from me to remove this account from my XXXX and Experian credit XXXX. I and it very unsatisfactory that these agencies are allowed to continue to report false information even with the documents provided that both agencies requested to have this account removed, The account is an auto loan from 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