BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased football tickets for {$980.00} using my Macy 's Amex from XXXX XXXX on XX/XX/XXXX. The event was on XX/XX/XXXX. One week before the game I had still not received the tickets, so I called XXXX  to have them issued. I sat on hold for over two hours and was informed I had to wait until at least three days prior to the event, but that I should have them in the next 6 hours. Fast forward to two days prior to the event - still no tickets. Once again I got back on the phone, sat for another two hours, and was told I would be receiving them via email within the next four hours. Twenty-four hours, later and one day before the event, I still had not received any tickets. I had family coming into town to attend the event with me and it was imperative I receive the tickets before the game. Friday morning, the day before the game, I sit on hold again and once again was told I would be receiving them within a few hours. Nothing ever came through. I called Macy 's Amex to report the fraud and informed them I never received the tickets, the game was less than 24 hours away, and I will be purchasing tickets from another vendor -please dispute this charge. I made the purchase of the new tickets on the same card immediately after that phone call. They ensured me they would take care of it as I had never received what I paid for. My account was credited {$980.00}, until XX/XX/XXXX, when the charge reappeared on my credit card statement. I called to dispute it again and they assured me it would be credited. I have multiple emails, multiple faxes, and phone calls to Macy 's Amex to get this {$980.00} fraudulent charge removed from my credit card to no avail. Today is XX/XX/XXXX and the charge has still not been removed. Their reason- the ticket was non-refundable and the circumstances surrounding the charge offer no recourse to recover funds. Ultimately, they reversed the fraudulent charge the first time and allowed XXXX XXXX to recharge the card in XXXX. This is illegal and needs to be fixed immediately. I have been a customer for over fifteen years and have never disputed a charge. It was reported before the event happened, and XXXX XXXX should be held accountable for their fraudulent activities, along with Macy 's Amex for allowing the fraud. I hesitated to submit this as I am sure it will cause retaliation with a credit limit cut or closed card, but I refuse to be bullied into paying for something I did not receive.

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 2018-12-23
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX and XXXX XXXX XXXX are pursuing me for medical debts after failing to submit a claim to XXXX and failing to properly process my charity care application. 

I have repatedly written to XXXX and XXXX XXXX XXXX to notify them that these debts are not valid. 

XXXX failed to submit a claim to XXXX for these services. I had valid XXXX coverage at the time I received these services in XXXX and XXXX of XXXX and provided my XXXX information to XXXX before I received all of these of services. 

On XX/XX/XXXX I applied for charity care for the services received at XXXX. XXXX failed to process my charity care application in a timely manner and continued to pursue me for these debts. I have attached a complete copy of my charity care application including copies of the bills from XXXX. 

Please note there are three account numbers provided by the creditor and three corresponding account numbers provided by the collection agency. I have attached a copy of the most recent collection notices I have received regarding all three of these accounts. 

The first account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$280.00}. 

The second account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$420.00}. 

XXXX sent me a letter dated XX/XX/XXXX explaining that an error had been made in the processing of my charity care application and that I had in fact been approved for charity care to cover all of these two bills. I have attached a copy of this letter. 

However, on XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX demanding payment for these two bills plus interest and threatening me with a negative credit report. 

The third account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$190.00}. 

This bill was also included in my charity care application but apparently it was not processed correctly. 

A negative credit report appears in my XXXX credit record regarding this third bill. The amount of the outstanding debt reported to XXXX is {$230.00}, including interest. Negative credit reports may have also been made to XXXX and XXXX. I have attached a copy of the page from my XXXX   credit record with the negative credit report from XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is reporting the wrong names, addresses, and account information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong addresses Wrong account information- account that are over 10yrs old and closed, reporting late payment on closed account, reporting late payments on account in deferment.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time with payments, and they are reporting inaccurately.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history. 
I kindly request that you conduct a thorough investigation into the discrepancies and update my credit report accordingly. I understand that the Fair Credit Reporting Act ( FCRA ) mandates a prompt investigation and resolution of consumer disputes, typically within 30 days.

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 2023-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
During the pandemic, I was receiving unemployment benefits on a Bank of America prepaid debit card. My wallet was stolen, along with my EDD prepaid debit card. Fraudulent charges were made. A report was filed. I continued certifying for benefits. 
Only recently have I been able to reestablish my identity and verify. In the meantime I filed an appeal, which I won! All the disqualified weeks I had certified for were finally approved and monies deposited to Bank of America prepaid card services. I was unaware of all this until four days ago or so. 
I noticed an email in my inbox from BofA prepaid services. It had been there a month. The email simply stated there were changes being made, and that I needed to service my account. I called the number provided. I spoke with several representatives who confirmed my identity over the phone. I was instructed to go to my local BofA and once again prove my identity in order to regain access to my funds. I did. 
However, after all these years without benefits, and all this identity verification? BofA says my account has been closed, and they can not issue me a new card! They say this is because my EDD claim is no longer active. My account has been closed. They refuse to release my money to me. They said it depends on EDD? 
How can this be? Regardless of my unemployment claim status, my pending weeks of certification were approved. Funds were deposited into an account bearing my name. Why am I still not allowed access to my monies? 
Please help me understand how any of that is legal? Please help me understand what needs to be done in order for me to receive my funds? Your help is much appreciated. 

Thank You, 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 2022-06-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act my right has been violated with the following accounts below. 

1. Account : XXXX XXXXXXXX XXXX Account Number : XXXX 2. Account : XXXX XXXX  Account Number : XXXX 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 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am a victim of Identity Theft and these fraudulent accounts have caused me tremendous stressed as well as job opportunities. I have sent XXXX multiple dispute letters as well as faxes regarding these fraudulent accounts. I am requesting for the following accounts to be blocked and removed immediately due to fraud and identity. I have never opened any of the following accounts listed below : 1. XXXX XXXX | XXXX BALANCE : {$2400.00} 2. XXXX | XXXX BALANCE : {$3100.00} 3. XXXX XXXX / XXXX | XXXX BALANCE : {$3800.00} 4. XXXX XXXX / XXXX | XXXX BALANCE : {$0.00} 5. XXXX XXXX / XXXX | XXXX BALANCE : {$3300.00} 6. XXXX XXXX | XXXX BALANCE : {$8600.00} 7. XXXX XXXX XXXX XXXX BALANCE : {$5200.00} XXXX. XXXX XXXX XXXX XXXX BALANCE : {$1100.00} 9. XXXX/XXXX XXXX XXXX XXXX | XXXX BALANCE : {$6700.00}

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ALL INFO ON MY CREDIT REPORT MUST BE ACCURATE.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-03
Company: Amsher Collection Services, 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:
These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector Amsher Collection Service, The Original debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
So, I opened an account with UsBank a few years ago, around XX/XX/2021. During that time, I did a balance transfer, and was working on paying it off. Earlier this year, about a year and a half after that transfer went through and during which I was making payments, UsBank demanded that I verify my identity by sending them tax information. I sent them a copy of my DL and my social security card, but they said that was insufficient. I've never had a credit card company ask for my taxes, so I refused. They then " closed '' the account, ie they set the credit limit to XXXX. I was worried that they might start charging interest on the remaining balance, so I paid it off. After a few months of having a positive balance, since an autopay went through after I paid it off, I eventually got them to send me a check for that positive balance. So now the balance on the account is XXXX. I asked them to completely remove this account, and they said they would, but so far they haven't done anything else. At this point, I just want my account to actually be closed. This kind of treatment is unacceptable, and I do not want them to continue to have my account on their books, especially if I can't even use it. But I can see that the web login still works, and the account still shows up in there.

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 2019-03-14
Company: Bepensa Capital, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Have been receiving numerous calls from Credito Real USA prior to payment due date of the 15th every month harassing me that the payment is due on the 15th. You can review my credit report and see that this account has never been delinquent. This loan had an origination date of XX/XX/2016 for a term of 66Months. 30 Payments have been made on this account in the amount of {$340.00} for a total of {$10000.00} the original principal balance was {$12000.00} the current principal is {$9500.00}. Lender changed names from XXXX XXXX and now provides loans to people with no XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: IL
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, am a victim of identity theft. I was not aware of the following credit transactions on my credit report, nor did I provide consent for my personal and private information to be shared with any third party. The following information should be removed immediately. 

Names : XXXX XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX Accounts : Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 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 I have no knowledge of the above mentioned credit transactions between the listed companies/creditors and ANY third party. As I did NOT authorize these credit transactions and would like them to be deleted and blocked from my consumer/credit report 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 2021-11-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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.

Company response to consumer: Closed with explanation