BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: TD BANK US HOLDING COMPANY
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:
Target Bank card was fraudulently established in my name. Target claim I took ownership when I called submitting my name social And other personal items of verification to my identity. I inquired about the fraudulent activity that has established I presented documentation immediately filed an FTC report as with bringing them the documentation of the police report. 

In turn theyve also sold the debt off to a XXXX XXXX XXXX XXXX. This collection company also has been harassing me through USPS Mail of the same fraudulent debt. 

I spoke to a XXXX ( Target Fraud Dept ) on XXXX XXXX stating he was going to make this an utmost priority to update and remove. 

I spoke to a XXXX  ( Target Fraud ) on XX/XX/XXXX who advised me that Target Would be able to remove an update with the CRAs upon receipt of me faxing over the FTC report. I complied in doing so nothing was updated nor removed. 

On XX/XX/XXXX I spoke to an ( Target Fraud Resolution Specialist XXXX ). XXXX stated that a form called 1099-C had been submitted to the credit bureau and this debt was being updated with that form for removal. I then requested to have this document since this is a crucial piece of evidence to obtain since it to had to be submitted to the IRS. He mentioned that he had to get this information and it would take a couple of days for him to get back to me I never heard back from him. 

I followed up and spoke to a ( Fraud Target-XXXX  Fraud Resolution Specialist ) On XX/XX/XXXX approximately XXXX to XXXX PM she started in with documentation of this fraudulent account and calls that were made inquiring and stated that all the calls were coming from my phone number I begged differ and I told her Im not quite sure as to what she was insinuating however this account was established on fraudulent pretenses. 

She left a voicemail at XXXX PM the same day stating that she needed me to follow up she would be sending documentations in for me to fill out paperwork for fraud. 

I returned her call where she also confirmed that she wanted to send documentation and have me fill out paperwork and return. 

Im traumatized enough I am not submitting my personal identification Social Security my whereabouts to this company I have submitted the proper documentation that target person told me to submit and now they are requesting me to upload more information and to my Social Security number. This here has prevented me from Housing its also defined my character as they have sought after me for this debt as well as sold this debt that was fraudulent to a collector who is now hounding me for the same debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION.

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX  years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under the 15 USC 1681 Section 602 states I have the right to privacy.

Under the 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-06-17
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: Their investigation did not fix an error on your report

Complaint:
These CRAs are currently reporting a false and invalid account on my report. The account in question is NOT mine and I have proof.

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 2021-06-17
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please note that the debt with this creditor, Capital Accounts , LLC, has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for a debt already satisfied. A possible judgment will damage my credit for at least 7 years. 

I am afraid in fear of being sued by this company and the potential damage this will do my to credit forever. I need help. Please! This is a medical bill that is no longer relevant in the amount of {$95.00}. This doctor isn't a practicing physician and bill was already paid- being scammed here for bill already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.

Please delete and block the following accounts including those on my police report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2022 I opened a Comenity Victoria 's Secret Mastercard and made a purchase in-store with the card for {$21.00}. Approximately 10 days later I receive the Victoria 's Secret Mastercard in the mail including my balance, account number and my personal information. The invoice asks me to call to activate the card. I call to activate the card and they state they do not have my information in their database. ( 60 minutes on phone ) They stated they were having technical difficulties in locating my information but did find my application and approval in the system. I called them 3 times to activate and attempt to make a payment ( 60 minutes each ) on my original invoice on the card. I still can't activate this card and they said I can not make a payment because they can not locate my account. I have excellent credit and monitor my credit. They can not find my account but reported this card as active with a balance to the credit bureaus and sent me another statement with interest and late payment to my house. I sent a check in twice and they cashed my checks but did not allocate to my balance because they still can't locate my account. I can not even cancel this card because they told me they can't find my records. On XX/XX/2022, a supervisor was on the phone with me stating that they are having computer difficulties and he would have an IT ticket created to fix the issue. I called on XX/XX/XXXX and they were angry with me for calling and asking for a supervisor and have not resolved the issue. 
I have a card I can not activate, cancel, or make a payment on and they are reporting this to the credit agencies as well as late fees and interest. I have sent them and they cashed checks to an account they cant find. I am almost ready to buy a car and this bank may ruin my great credit scores and my ability to make a purchase at no fault of my own. THIS IS FRAUD. They should be liable for my damages. They will not help me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got an alert for a missed payment from XXXX XXXX regarding XXXX XXXX account. However I have no knowledge of this account. I called XXXX XXXX credit card department on XX/XX/2022 and spoke to a representative her name is XXXX her ID number is XXXX. She said I dont have an account and or no business established with Them. Please I need this matter resolved and taken off my credit report because it reflects a negative mark.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-05-03
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bought XXXX phones from XXXX. Their financing arm is TD XXXX Card Services. XXXX repeatedly screwed up the amounts, failing to credit us for the XXXX phone trade in; failed to credit promised {$50.00} charger ; incorrectly tallied sales tax. Little by little, after much back & forth, XXXX has made adjustments, & agreed to waive late fees ( which were caused by waiting to see their repeated promised " fixes '' which caused me a lot of work on emails & phone calls. TD is still reporting incorrectly. Every month, they attempt to fee us & claim we owe them more ; in fact, we are actually paying more cuz the {$31.00} was based on the wrong amounts to begin with! XXXX claims it will all come out in the wash ; TD just tries to extort us. I have even done the math for everyone & still they persist. 
To date, XXXX XX/XX/XXXX XXXX, we should be at {$860.00}. No more. No late charges on the books ; & the {$31.00} monthly chg is still high but is acceptable to us to pay this down. Pls have them correct, once & for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2021-06-17
Company: Chime Financial Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted Chime on XX/XX/XXXX about my cellphone being stolen on XX/XX/XXXX and seeing 2 fraudulent charges pending on XX/XX/XXXX. I was instructed to call back once the charges were cleared which happened XX/XX/XXXX. I was then told I would be issued a provisional credit which could take up to 10 days while the investigation was in progress. I never received the provisional credit and my dispute was denied. Their reason for denying my dispute was because my card was in my possession but the charges/transfers were clearly done through their site/app. They now refuse to reinvestigate my case or compensate me for the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: OH
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 have attached NEW AND RECENT COPIES of my credit report from EQUIFAX showing that XXXX is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. XXXX HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO EQUIFAX AS REQUESTED. EQUIFAX stated that until they are provided a closure date, the account will not be removed until XXXX  years from XXXX. I have also attached a recent letter from XXXX regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, XXXX NEVER reviews the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from Experian, XXXX, XXXX, or 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 2023-05-24
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:
im a victim of identity theft and have contacted all 3 bureaus about this issue to no avail! i even filed a police report at my local sherrifs office and yet still nothjing has been done! beeen dealing with these issues for years and its holding me back from acquiring the things i need in life! 
experian XXXX and 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 2023-08-09
Company: EQUIFAX, INC.
State: MA
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX  XXXX - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
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:
Citibank transferred a charge made to our citibank costco visa to another citibank card, our sears mastercard, 'shop your way '. We don't use the sears card and called and asked that that account be closed as soon as we received the statement. Citi sears continues to call us about payment. We didn't use that card. Citibank must have transferred the charge made with our Citi Costco Visa to the Sears Mastercard. I understand that they were recently sued and had to pay a settlement of XXXX XXXX dollars in XXXX for this same type of practice. I've called both of the branches involved. I've spoken to many representatives and supervisors. We are not getting this resolved in a timely or satisfactory manner. The statement shows a charge for XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX CA for {$210.00}. Again, we used a different card for this purchase. It was not charged to Citi Sears Mastercard 'shop your way. '

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