BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This car was repossessed and sold at a auction, I was only credited for the price the car sold at auction for instead of being reimbursed for gap insurance and extended warranty thIs was financed as apart of this loan. If they recieved a lump sum payment why I still have to pay interest and for services for a vehicle that I don't have. I also disputed the dates and reporting info is no match all the agencies. And told they had a responsibility to report accurate information. This information is still inaccurate and not updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Resurgent Capital Services continues to report a debt that is harming my credit. Resurgent Capital Services refuses to prove that they own the alleged debt. Resurgent Capital Services has only sent a Bill of Sale which is incomplete and do not list any information that proves they own or purchased the alleged account. The Exhibit A they submitted to me from previous complaints is incomplete and does not list the alleged account they are attempting to collect on. This is false and misleading and a violation of Washington State Debt collection laws and Federal debt collection laws. I demand Resurgent Capital Services prove what authority they have to report this alleged account and prove consent to obtain and use my personal identifiable information to extort me out of money. 
I demand the FORWARD FLOW AGREEMENT/PURCHASE AGREEMENT a document that generally sets out the terms of the sale of the alleged debt. NOT AN INCOMPLETE BILL OF SALE. 
This documentation is needed to prove that the alleged debt/account was purchased, how much, and under what terms and conditions. I HAVE THE RIGHT TO KNOW HOW MUCH THIS ALLEGED DEBT WAS PURCHASED FOR AND WHAT PERSONAL IDENTIFIABLE INFORMATION WAS STOLEN WITHOUT MY CONSENT. 

I never consented to Resurgent Capital Services having any of my personal identifiable information. NO CONSENT IS IDENTITY THEFT AND FRAUD. This is also an invasion of my privacy. Resurgent Capital Services ' refusal to prove this alleged debt is owned by them is intentional and willful noncompliance with the law and they are willfully harming me. I will now resume seeking remedy through Federal Court for Resurgent Capital Services ' noncompliance with the law and I will use my multiple complaints and any information deemed necessary to prove Resurgent Capital Services ' willful noncompliance. 

I do not have an account with Resurgent Capital Services nor have they ever extended me credit. Resurgent Capital Services has also violated the Fair Credit Reporting Act by illegally accessing my XXXX consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: U.S. BANCORP
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:
Hi im writing regarding some fraudulent account on my credit report.I tried to fix it with credit bureaus and creditors no luck credit reporting agencies come back after investigation as the " information is accurate and verified '' i sent an FTC report those accounts does not belong to me i did not give any authorization to anyone to use my personal information to apply for goods and services som personal information is also wrong.I will attach FTC report .FTC report number 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello on XX/XX/2023 I sent out letter to credit bureaus to " INVESTIGATE EVERY PIECE OF INFORMATION '' on my accounts I have listed below. Also I have attached the letters I sent out and also here is the tracking number : Transunion # XXXX Experian # XXXX XXXX # XXXX According to the FRCA the Term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information.

They have stated my accounts was " VERIFIED '' but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. Also I have the credit report showing these inaccuracies. 

List of Accounts Transunion 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number:XXXX XXXX 1.XXXX  XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3.XXXX  XXXX Account Number : XXXX XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : 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 2023-07-17
Company: EQUIFAX, INC.
State: MN
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:
I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX, account number # XXXX ( XXXX ) and # XXXX ( XXXX ), XXXX at XXXX XXXX XXXX, XXXX  XXXX, MO XXXX. 

I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. XXXX shows the date of last activity as XX/XX/2022, XXXX as XX/XX/2022, and Equifax has not reported a date of last activity. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 


As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of my SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX there was a check of XXXX and a check of XXXX being deposited into my account and they were able to withdraw {$980.00} from that transaction. The next day on XXXX XXXX XXXX  there was another check of {$1300.00} that was deposited into my account. They withdrew that day XXXX from the atm. on XX/XX/ they withdrew XXXX from the atm. On XX/XX/2023 they attempted to deposit a check of XXXX but the check bounced. I then looked at my transactions and saw all these transactions that were not mine. They were able to withdraw all my money from my account and left me with nothing. I filed a claim with chase and they denied my claim twice. They said that the money I had in my account was to be considered a total loss since there was no bad attempts when entering the pin to the atm. These checks that they authorized did not have my name, routing, or account number written on them. As well as these transaction being done in multiple city 's. I emphasized this several times and they were not helpful with resolving my issue. There was fraud done on my account and they are not helping get my situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: VA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Spoke with agent on phone XX/XX/23 because they froze my account due to depositing a check for my minor daughter. They instructed me to go to a local bank branch and bring her birth certificate in herself, and they could unfreeze my accounts. So I have to drive 45 minutes to the nearest open branch with my daughter, her birth certificate, and her social security card and my state issued ID. For them to tell me that I have to get a physical ID card for her from the DMV or her student ID which she doesnt have one and until then I have no access to my money. Any of it to pay bills to eat anything. Now had they told me they needed a picture ID I couldve made arrangements, or at least tried so now Im out gas time and now I have no access to any money which is financially hurting me. Because two forms of ID with my physical ID is good enough for employment and for XXXX XXXX XXXX but theyre gon na hold my money from me until I can either get it issued ID from DMV which could take weeks or I can appeal to her school please make her physical ID because shes not in a grade that gets those, so they have put me in a position to where I have no access to any of my money, for God knows how long and theres nothing they can do I beg to differ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.

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 2023-10-03
Company: EQUIFAX, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am writing to lodge a formal complaint against Chase ( JPMorgan Chase Bank , N.A . ) and XXXX XXXXXXXX XXXX for their handling of a transaction and subsequent dispute that I believe constitutes unfair and deceptive trade practices. 

In XX/XX/2023, I attended the XXXXXXXX XXXX XXXX, where I purchased dance shoes from XXXX XXXX XXXX. The merchant did not inform me that the sale was final. They did not have my size in stock, so they ordered a pair to be delivered to my home. Upon receiving and trying the shoes, I found they caused significant damage to my feet. When I contacted XXXX XXXX XXXX for a refund, they initially refused but later agreed to process a refund upon receipt of the returned shoes. I complied, sending the shoes back at my expense and providing them with the tracking ID. 

However, the situation escalated when I received an email from XXXX XXXX XXXX instructing me not to send the shoes and stating that the return window had closed, a condition never previously mentioned. Furthermore, they demanded additional payment for the return of the shoes. 

Feeling defrauded, I contacted Chase to report the incident and seek a chargeback. Chase initially asked me to await a letter for further instructions. After a delay and miscommunication regarding the letter 's delivery, I was informed that my case was closed and I could no longer submit any evidence. 

This situation has left me without the product, out of pocket for the initial purchase amount of {$210.00}, and feeling utterly disregarded by both Chase and XXXX XXXX XXXX. 

I am seeking your intervention in this matter to : 1 ) Investigate the practices of XXXX XXXX XXXX regarding their sales and return policies. 
2 ) Review Chase 's handling of my dispute, which I believe was not conducted with due diligence. 
3 ) Assist in recovering my funds and addressing the consumer rights violations I have experienced. 
Enclosed are copies of my correspondence with Chase and XXXX XXXX XXXX along with any relevant documentation that supports my case. 

Thank you for your attention to this matter. I trust that the Florida Department of Agriculture and Consumer Services will take the necessary actions to rectify this situation and prevent similar incidents from occurring to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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 have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this 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 2023-02-24
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX  XXXX Balance : {$3900.00} ; U S DEPT OF EDXXXX XXXX Original creditoXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4000.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX  Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Original creditor XXXX  ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CL Holdings LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
about 2017 I lost my wallet so I canceled and I really order a new license in the process. I called the credit and I put a freight in there right now. There is items that are down XXXX. I am tired of telling them over and over that XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and XXXX address in XXXX where fraud I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Theyre injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Their injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a XXXX XXXX since 2017 why they still allowing people to touch my stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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