BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, 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:
Equifax is refusing to remove fraud related account from credit report after multiple attempts and documents sent to them beginning in XXXXXXXX XXXX XXXX just recently they just asked again for proof of identity which Im submitting the letter and also the information requested through this portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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 have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my auto loan with XXXX XXXX XXXX in the amount of XXXX on XX/XX/2023. As of XX/XX/2023, XXXX  months later my account is reporting as XXXX days late for XX/XX/2023 and " too new to rate '' on my Equifax credit report. My XXXX and XXXX credit reports indicate that there have been no missed payments for XX/XX/2023 and this account is closed and paid satisfactory. Furthermore, I have documentation from XXXX that this account was paid off in XX/XX/2023. Despite trying to resolve this issue with Equifax in the past, they have not been able to do so. The attached letter from XXXX confirms that the account was paid off and closed on XX/XX/2023 and was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I XXXX  a moving company {$580.00} to complete a move. Subsequently, the movers did not complete the move leaving saying they would be back and never returned. The movers required upfront payment. After getting someone on the phone and recording them stating that they said they were returning and in fact had no intentions on doing so, I contacted US Bank to report the transaction as services not rendered. The young lady that I spoke with assured me that I would have my funds back in my account within XXXX business days after verifying that she simply couldnt cancel the transaction, but an official claim needed to be submitted. After not receiving the credit back to my account, I contacted US Bank on XX/XX/2022 and was advised that my case was just assigned to a claims XXXX and to give them an additional XXXX business days. Since then, I contacted US Bank a third time and was advised that m claim was denied on the same night I filed the fraud claim and that they dont return XXXX payments. I asked to speak to a supervisor and it has been over XXXX weeks with no response from a supervisor or anyone else.

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 2023-08-29
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Zions debt holdings contacted me text on XX/XX/XXXX at XXXX EDT. I responded " stop '' in order to unsubscribe. On XX/XX/XXXX at XXXX I received another text regarding the same debt. 

They then proceeded to email me on XX/XX/XXXX at XXXX. When I asked for a breakdown of the total debt, they replied it consisted of a principal balance of {$47.00}, late fee of {$60.00}, and interest of {$14.00}. I requested a copy of my original contract as well, which upon review did not specify a {$60.00} late fee. These initial emails were with an individual named XXXX XXXX. He requested I email XXXX XXXX for further information. 

My initial email to XXXX was XX/XX/XXXX at XXXX, asking for validation of the debt. XXXX responded at XXXX starting she " will follow up with further documentation to validate the debt ''. 

I called XXXX, the original debtor ( my original contract was with XXXX XXXX XXXX, who sold my home security contract to XXXX ), on XX/XX/XXXX to request my signed cancellation letter. They informed me I would have to retrieve it from the debt collector directly. 

On XX/XX/XXXX, after having not received a response from XXXX, I requested confirmation it will not be reported as it was not validated. XXXX responded it will be validated by Friday, XXXX, when it was scheduled to be reported to the credit bureaus. 

Over a series of emails on XX/XX/XXXX between XXXX and XXXX, I requested all documentation supporting the debt be provided. XXXX insisted I had received them all without specifically noting what was sent or when. Additionally, when I asked about the {$60.00} fee which was not allowed per the contract, XXXX stated : " Also, the {$60.00} is what our agency adds to collect on the bill. '' Accordingly, Zions Debt Holdings is attempting to add fees that are not allowable per my original contract. 

At XXXX, XXXX wrote : " This is my last email to you. we have validated your debt. If you are asking what documents I have sent, I suggest re reading the paperwork. Have a good night '' ( punctuation as per the original email ) I still do not have full records to validate the debt. 

I contacted XXXX directly on XX/XX/XXXX via text, and they stated the pro rated bill after my cancelation effective XX/XX/XXXX for the period XXXX was for {$2.00}. They stated a late fee was applied to bring the total balance to {$47.00}. Again, my original contract did not specify a late fee could be charged. Additionally, all payments were to remain on autopay during the term of the agreement. I have record of timely payments for each month of my contract from XX/XX/XXXX through XX/XX/XXXX. I have not been able to get a copy of the original invoice for the {$2.00}. 

I've attached records of both email chains, a screenshot of the text with Zions Debt Holdings, and my original contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company involved ( Navient ) has repeatedly called, my work phone, home phone and cell phone regarding a private student loan that I may have co-signed for, however the private student loans have reached the Michigan statute of limitations. The loan periods originated in XXXX through XXXX and have been accruing interest and is now over {$100000.00}. They are reporting these on my credit report which is damaging my credit score. They have threatened to report the loans in default and attempt further collection actions on these old debts. I have never had any communication directly with this creditor. Additionally, the primary borrower and myself has previously filed for bankruptcy protection and as we understand, these debts should have been closed and removed from record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Sub-product: Store credit 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:
Ever since I've closed my Amazon Store card I still continue to receive calls regarding this debt. XXXX  ( s ) included ( Violation of Consumer Protection Act ). These are all " robocalls '' while in fact the number listed on the account ( which should be closed ) is listed on the U. S. do not call registry. these continued and unanswered calls are a form of harassment. XXXX has economic tort laws and remedies in in place for restitution in which I will seek restitution against Synchrony for damages for each offense unless I'm offered a remedy on their End. 
Thank you, - 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 2022-10-24
Company: Paramount GR Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
consumer has been making payments since XX/XX/XXXX on this account & has never missed a payment.consumer was told there was no penalty for paying or making early payments, when account was created.on or about XX/XX/XXXX, I was called repeatedly & continuously being harassed about payments that I never missed.I received annoying calls, multiple times a day in reference to this account.I am disputing that I have missed a payment on this debt.consumer explained to a company, representative during a phone conversation, that I have never missed a payment.I ( consumer ) went over every payment month by month & she placed me on hold.after returning she stated, some of your payments, must have been, applied to the principle, which I did not authorize.I then asked the representative for a manager & was placed on hold again for about 40 minutes, when the phone was suddenly disconnected on their end.A day later the annoying & repeated calls started again.I formally notify you cease all communications other than mail regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have fraud on my account and want the inquirys off please

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 2023-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: FL
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:
Me and my wife went into XXXX XXXX to return several pair of pants which she purchased previously. When we got to the service counter my wife took out her credit card as did I also for the credit process. The lady who was waiting on us told us that she did not need the credit card to process the return. At that time I thought that I had put my credit card back in my wallet, but in actuality I probably dropped it. When we got home I was looking in my wallet for something and realized that my credit card was not there. It was gone??! I immediately called Sears MasterCard and reported the incident. I asked the lady that I was speaking to if there was any charges made on the card, which would have told me that someone else had found it and used it, and she said that {$950.00} had been charged on the card, unauthorized by me!!! I was flabbergasted that someone could have used my card in such a short time, I have been a Sears MasterCard holder for 50  years and find it hard to believe that they would think that I go to all this trouble for a mere {$900.00}. I am a XXXX and would never think of taking something that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: DISCOVER BANK
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I would just like let discover know that next week as I've already had a meeting with an attorney XXXX on XXXX.. And on XXXX I will be meeting again to retain him so going forward please send your harassment letters to him His name is attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX number is XXXX. 

I am giving you the heads up now before he starts dealing with you going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 be advised I am not disputing the accuracy of the public record. I want the public record deleted because the FCRA Laws not being followed by these companies below. In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) XXXX ). 15 USC 1681 section 602 A. States I have a right to privacy. 2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). Please see attached companies who violated the law and them explaining how they broke the laws. In addition, I have attached XXXX the database where my personal information was obtained from. XXXX stated that don't share personal information to third parties. XXXX XXXX and XXXX are Third parties. You are committing fraud and Infringing my privacy Under the FCRA.

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 2022-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My grandfather used to Bank with XXXX XXXX XXXXXXXX as well as chase bank also known as Washington mutual. he had some IRAs there a XXXX XXXX XXXXXXXX and some stuff in XXXX XXXX I just now found out that XXXX XXXX had an account I couldnt access. my family refused to tell me about my stocks and bonds, negligence of fraudulent behavior.now XXXX finding out about all of these. about how much can be in there and out there and just been trying to straighten all this out. I want to live. Please contact My number at ( XXXX ) XXXX. Id like to be able to get money out, if you will let me, I can manage money, I cant manage liars. I need. XXXX XXXX XXXX is one of the ones I want to withdrawal XXXX $ for a house, or XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: FL
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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2018-05-03
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:
I was asked by XXXX bank to give my SSN, as part of the XXXX process for a credit card application for a Business. I communicated to XXXX bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at XXXX, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXX represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

XXXX despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least XXXX and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by XXXX and agencies are un aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' XXXX is reporting as PERSONAL. XXXX is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with XXXX  card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where XXXX was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising XXXX, I do not want to be called on my Cell, and I live in California XXXX continue to call me. This is unlawfull, as I have withdrawn all consent for XXXX to call me on a personal cell.

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