BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: Kingston Data & Credit International Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My initial communication with Kingston Data And CREDIT was on XX/XX/2022, where I requested validation of this alleged debt. This alleged debt is a result of identity theft and I did not authorize Kingstons credit organization or any other party access to my consumer report, nor did I initiate any transaction with the alleged original creditor. This debt was made at a time where I was not living at the address in question and have no recollection of signing up for an account with the original creditor. I requested validation of this alleged debt in XX/XX/2022 and have not received any response. Also in XX/XX/2022, I sent them a cease & desist as well as an affidavit of truth and have yet to receive any response, I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication but have failed to respond. The amount of this alleged debt is {$1600.00} and due to the reporting of this false debt my credit score and worthiness has dropped immensely, currently affecting my ability to apply for a proper living shelter as I am currently without a home due to the death of a parent. I have not granted KINGSTON CREDIT AND DATA any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe or furnish an infraction on my credit report based on debt that they have assumed ( bought ) from a creditor. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Kingston Data and Credit. can provide me with sufficient documentary evidence that I have any legal obligation to pay them specifically. If this documentary evidence can not be produced and Kingston Data AND CREDIT continues its collection efforts, I will file for litigation for actual damages caused and Kingston Data AND CREDIT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, and theft by deception. I am demanding this be removed from my credit report within 10 calendar days or I will see them in court. Also let it be known the phone number that is supposed to be their number on my credit report is no longer a working number and I have not since found a working number for them. 
Thank You, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I recently paid off my credit card balance. Actually OVERPAID by {$170.00} Shortly after paying this balance off chase dropped my credit line from {$20000.00} to {$500.00}. I then cancelled the account. Chase was to send me a check for my overpayment According to chase a check was issued XX/XX/XXXX, as of XX/XX/XXXX I have not received my check. 2 phone calls to customer service  has gotten no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: 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 3 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 XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 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 2023-05-31
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

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 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 2022-06-02
Company: Experian Information Solutions Inc.
State: PA
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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 According to 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 2020-11-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We paid an account in full with Comenity Bank for XXXX credit card after experiencing a few later payments due to hospitalization from covid-19. When we paid the account in full the creditor agreed to remove the lates they reported to all three credit bureaus due to our extenuating circumstances related to covid-19 because we had a great payment history prior to these events. The bank has still not removed the late payments as they agreed even though we paid the account in full as we agreed and we would like to have this remedied as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: PA
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 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: WI
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:
on XX/XX/XXXX and XXXX of 2022, there appears to be 4 fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX, XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A deposit I made to Well\s Fargo Bank was returned by them and reason was refer to maker when I requested that the Check be returned to me they complied and gave me written notice that it would be removed from my account within 3 business days. I then took said check to my credit Union and verified the funds as it was from an insurance company and made deposit into Credit Union. 6 days later the check bounced at the credit Union because Wells Fargo had resubmitted the check electronically and taken the funds, later I found that they indeed had been paid for that check on the evening I deposited the check so the letter that was generated to me was in fact a false hood. do to the fact that they had released the check to me and were to remove it from my account I in good faith deposited it into credit union and since it bounced I have incurred numerous overdraft fee 's and numerous accounts have put me on a cash only basis. I have on numerous times tried to negotiate with them for reimbursement of what I am out because of their mistake and have yet to get a fair dealing from them. they have skirted around the issue and changed the case number so many times that they do n't know what the main issue is. having tried and failed to deal with XXXX departments in resolving the issue I was forced to file a small claims case against them and have not gotten any response from them. being that I am on a fixed income and these fee 's totaling about XXXX now it is about securing the funds to maintain a meager lifestyle that I have. this has gone on now for 7 months and I am now at the point of filing bankruptcy because of the loss of these funds.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has been trying to collect a debt from XXXX and I keep sending letters for them to validate the debt and they wont send the original contract with my signature. It is not my debt and I am filing a complaint for insufficient validation.This took place on XX/XX/2018 in the amount of {$2000.00}.

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 2023-09-14
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
Citi XXXX by XXXX has rejected a dispute request for a charge on services not rendered ( wedding flower preservation ). I was charged {$530.00}, by ( XXXX ), in XXXX of XXXX. Due to XXXX, wedding was postponed until XX/XX/XXXX. XXXX promised to preserve my wedding flowers in a resin cast but I never received the product. In XX/XX/XXXX, I was told that I should reach out to my creditor since XXXX would be closing their doors and no longer offering refunds to consumers. I supplied my creditor with ample evidence of the charges and services unrendered. In the first communication from Citi, I was told that I didnt supply adequate information with my claim. Therefore, I resubmitted a new claim with the missing statement and a printout that another Citi consumer had received a chargeback ( for an XXXX purchase ) even though the 60 days from billing for a refund had also passed for them. I dont understand how a creditor can get away with giving credit back to only some consumers but not all who find themselves in the same predicament. This seems to be an unfair credit practice and should be regulated to better protect the consumer. I have lost faith in the creditor and would consider leaving the company if I had the option to keep my XXXX membership with an alternate creditor.

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 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
An account from XXXX XXXX XXXX Opened XX/XX/2019 have reported on my credit report for a debt collection. This account appeared out of thin air on my report as I did not receive any correspondence pertaining to this collection.

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 2019-11-01
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2020-02-14
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with SANTANDER CONSUMER USA by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. SANTANDER CONSUMER USA XXXX. Date Opened XX/XX/XXXX. Original Balance {$10000.00}. Balance {$0.00}. Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im getting tired of this as now this is harassment. 

I have previously submitted a XXXX  Complaint to Code Red/Code XXXX XXXX XXXX  back a few years ago, and more recently XXXX, for a medical bill which I accepted the resolution on the XXXX  website and resolved my debt with them. However, XXXX XXXX unexpectedly went out of business and instead of reconciling the debt, they sold my debt to XXXX XXXX and then XXXX sold my debt to XXXX XXXX. I explained the situation to XXXX years and they left me alone. Now XXXX years later, I now have XXXX harassing me about a debt that I don't owe and now placing the debt on my credit report. Ive explained this to numerous XXXX associates and asked repeatedly if this issue was on my credit. They said no. I have at least requested that XXXX provide me a debt validation letter on 2 separate occasions that I remember, because I do not owe this amount. 

Now my loan has been sold to Avante or they own my debt that I have previously disputed through the CFPB in which XXXX updated my credit. 

XXXX have not complied and only have provided me with their invoice stating that I owe them an amount. There is no breakdown of services rendered, dates services occurred, what the insurance paid, what I paid, nor what XXXX XXXX agreed to and resolved prior to going out of business. Avante XXXX is reporting inaccuracies to my credit report. Your responsibility as a recovery agency is to provide me with the proof that I have requested. This is a violation of FCRA and FDCPA. This seems like a scam and the ongoing harassment needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Albert Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Albert has a premium subscription product and I did not want this subscription and they keep charging my linked XXXX XXXX checking and savings account an {$8.00} subscription fee and its causing my account ( s ) with XXXX XXXX to become overdrawn and thats made some of my payments on bills and other transactions to be declined or returned/not processed. 

I can not get them to stop and Ive text multiple times and Ive asked to have this stopped and I followed the instructions to ensure that the feature was turned off. 

The give me the explanation that it comes active and free for the first 30 days. I do not want the feature and I dont want their services anymore.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation