BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX 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 of the erroneous information which is being posted to my report. 
Here is 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 CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX T XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX Medical XXXX Balance : {$130.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2021-03-17
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been struggling to pay my mortgage. I tried to make a payment with the stimulus check I have received and they will not accept payments, they want the full amount that is behind? Why can't they work with me when I am trying to make a payment?

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXX/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 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
this is second time i write to this agency still my issue not solved! i don't know what to do i thought this agency have power to solve problem but it seems it isn't! 

I want to file complaint against capital one credit card, on XX/XX/2021 i purchase a ticket to fly to XXXX i bought a ticket from XXXX XXXX, using my pocket money and rewards miles which is XXXX miles rewards transfer to money became XXXX , finally after so many times calling sometimes on hold/phone for 3hrs! i have back my pocket money but never received my rewards miles back and worst, somebody from travel center put it in my account as i purchase something! which is not correct i didn't buy anything i canceled my flight should be easily all things come back to my account but with capital one never happen! i am afraid now these money which should be rewards come back as credit but it show as i buy something is goona affect my credit score for next statement. please this time solve my problem because this company simply ignore me doesn't help at all i don't know what is them problem!!! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, 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 2021-02-16
Company: SYNCHRONY FINANCIAL
State: MD
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 misplaced or lost my Card Credit credit card. I called Care Credit and told them this, they said they would send out a new card. However, they did send a new card out but only to find out that they closed my whole account out and opened a whole new account and reported this to all of my credit bureaus. This cause my credit score to decrease. I called Synchrony Bank and explained what they did and how it effected my credit score and they told me they would fix it. Today, I received a letter stating that there was nothing they could and sometime credit scores are impacted. I have never in 30 some years had a lost card, and then have my whole account shut down and a new one opened and it then be reported to my credit bureaus. I have always just had a new card sent to me. Synchrony Bank is doing allot of things that I have never seen or done before. I really think someone needs to be looking over there work. I had a past issues with Synchrony Bank giving me line of credit, then going back and reducing it so I would have to pay an over the limit charge too.

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 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I 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 2023-11-16
Company: Netspend Corporation
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A little over 10 business days ago I had to deal with this bank for 6 hours on the phone. Someone got into my bank account and took over {$1500.00}, I fought with them over the phone that whatever they were doing to protect my account was not working because they were still going into my account and changing my information so when I called I could not answer the security questions. After 6 hours on the phone a rep finally figured out that someone was calling in from different numbers pretending to be me and answering all of my security questions right so they let this person get into my account. At this time it was too late and all of my money was drained. So fast forward XX/XX/XXXX they did credit my account back and within a few hours someone got into my account again and made a virtual debit card once again, one I did not authorize. I called again pleading my case and telling the rep it was not my debit card that was compromised but my actual account and them making a virtual card. They keep promising me that it is secure now but they said that for 6 hours last time and look what happened. Now I have {$490.00} gone and they are once again making me wait 10 business days to investigate. I asked to have it escalated or to talk to someone that could and they refused. I do not believe that I should have to go through this again and have to wait. The rep yesterday clearly stated that it was their fault this happened again. This whole scenario since day one has caused me extreme XXXX, XXXX, XXXX  XXXX XXXX and to the point I had to see a doctor and my counselor. I demand this money back in my account immediately or I will be seeking legal action not only for the money but for pain and suffering. I have made reports with the police department and the FBI. Reference number to the dispute is 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 2023-04-06
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter statement in the mail on XX/XX/21, dated XX/XX/21 from Credit Collection Services, stating I need to pay {$120.00} and the Creditor is XXXX XXXX XXXX. 

My name was slightly misspelled and I paid this bill to XXXX in full, so I went online and looked up the phone number provided and the name of this " collection service ''. There is conflicting information, some stating it is legit but with a bit more digging, this is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried accessing my account online

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 2023-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a XXXX used XXXX XXXX XXXX financed through credit acceptance. I got it in XXXX of XXXX. 
In XXXX XXXX I had paid 2-3 months at once at they were placed under the interest rate instead of my principal. I started to have difficulties paying on it since I was having health issues, and employement issues due to health related problems. I was unable to work causing me to be behind on payments. They were helpful and understanding with that. I told them multiple times I am not paying it due to not having the previous issue fixed. They have called multiple times throughout the year of XXXX. I have told them several times when they called I wasnt going to pay them until I had what I had already paid to them fixed. Now with the new lawsuit stating that the interest rate that I have of 22 % and people are being pressured into loans like myself. I would like to know what to do about it and how it is going to be fixed. I am due to pay over three times what my vehicle is worth. I am unable to find a dealership or car lot that will even accept it for a trade due to it being overpriced. Currently the trade value being XXXX XXXX  and my payoff amount is XXXX my loan amount is XXXX. Just would like to be able to let others know what to expect from this company. Also would like to go by getting out of this loan without hurting my credit.

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: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name -BRCLYSBANKDE Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter

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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have attempted several times to get inaccurate items removed from my credit report. Transunion has repeatedly ignored and dismissed my claim. I have finally submitted my actual identity theft report along with the laws that states these things are to be blocked/removed from my credit report I am awaiting a response from Transunion about this matter. I will also submit my proof here so that it is on the record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On Experian web site has incomplete information on credit reports. XXXX  score is unscoreable. XXXX and XXXX my reporting scores are listed on they web sites of XXXX and XXXX. So I upgraded on Experian website for Experian Premium so all 3 reports will be added to show credit history and XXXX XXXX listed on XXXX and XXXX, thinking maybe my score will be updated to correct information. As of today XXXX  score XXXX is still stating unscoreable for all three major credit reporting systems even though I have scores on XXXX and XXXX. I have applied for a car loan with XXXX XXXX XXXX the salesman stated I dont have a credit score. Ive been in contact with the all but to no avail on getting my FICO score corrected.

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 2019-09-30
Company: CITIBANK, N.A.
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I opened Savings Account # XXXX with Citi Bank on XX/XX/XXXX through the online channel. During the Account opening process I clearly identified myself as a Not Subject to Tax Withholding. 

On XX/XX/XXXX the account received the first credit of monthly interests. No taxes were withheld. Good so far. 

On XX/XX/XXXX the account was credited with its second credit of monthly interests. In this occasion Citibank withheld {$22.00} of Interests. This is incorrect. I am not subject to Withholding and I identified myself as such during the account opening process. 

I contacted CitiBank on their customer service line ( XXXX ) to ascertain the situation. A representative explained over the phone that I had not yet sent my W-9. However, the Tax Status Identification and Certification process I completed at the opening of the account should have sufficient for CitiBank to properly document and validate my withholding status. T The representative informed me that I could sent my W-9 by regular mail or by fax. I chose Fax, which is easier. I sent my first W-9 by fax ( XXXX ) on XX/XX/XXXX. I called in the next day to validate that it was received and processed. The representative informed me it could take up to 2 weeks to process. Just in case, I repeated the process and sent daily faxes on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. In total I sent my W-9 on 10 different occasions to the Fax number provided. 
I called in again on XX/XX/XXXX to validate that they had received and processed my W-9. They informed me that they had not received it. This was very frustrating. I validated and confirm that the fax provide was the correct number. 

Again, I kept send daily faxes on XX/XX/XXXX through XXXX. Four ( 4 ) additional faxes. I called again on Monday XX/XX/XXXX to validate the status of this process. They informed me that they only had records of having received my tax form on XX/XX/XXXX. And it would take 2 weeks for process.

This is unacceptable. Within 2 weeks the savings account will have received the third credit on interest and they will again incorrectly withhold taxes on these interests. I am writing this complaint to ask 2 things. First, make Citibank finally process my tax status and eliminate any withholding on my account. And second, make Citibank reimburse me for any taxes withheld so far. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief