BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
InXX/XX/2017, a fraudulent charge was made on my XXXX XXXX store credit card account using an in-store lookup by a person unknown to me, who also made charges at 4 other stores using in-store lookup as well. I immediately notified all the merchants about the fraudulent charges. All of the companies, except XXXX XXXX, investigated the fraud claims and proved it was not me that made the charges. XXXX XXXX has continued to close my fraud claim and try to say it was me that made the charge. Over the last year I have provided them with everything they have asked for to prove it was not me, including filing a police report. I have repeatedly been denied by their fraud department, and finally had to escalate to their Executive office as the fraud department refused to investigate further. For a year I have asked them to review the in-store video against my drivers license picture and they will clearly see it's not me. They have refused to do this and just keep making excuses and closing the case. I have sent multiple packets containing my proof that this was fraud but they will not resolve this issue. I have been a loyal Customer for years, and my history with them should show the type of customer I am. A year this has been ongoing and I am still hitting a brick wall with them. I need help in getting this matter escalated, as they have told me that they take claims from third party agencies more serious than from the actual customer affected by the 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 explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
i asked for the account to be removed because of consumer financial rights and us code violations. 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) account is being reported on one report with a high credit of XXXX on XXXX  and XXXX on other two reports this is inaccurate reporting please delete this inaccurately reported account immediately also the dates last active are not matching this also inaccurate reporting. u acknowledge in a recent letter that u follow the laws and guidelines set forth but the fair credit reporting act so please acknowledge this law from the act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) your letter states that credit one bank was accurately reporting when it was not resolution im seeking is deletion of account from all consumer reports

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 2022-04-29
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX ( XXXX ) XXXX said they will continue to call until I start paying on student loan. Except my loan is in forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please remove it from my credit report. Both XXXX XXXX XXXX credit cards accounts are being report 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 explanation
Consumer complaint received 2023-10-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Someone opened an account in my name that I did not consent to. They deposited XXXX in the account XXXX time then took it out it looks like from the papers I got in the mail from Wells Fargo. This was around XX/XX/2022. The impact I have had with my credit and trying to make sure no negative marks have gone on my report have been hard. I spent a lot of time on this because wells fargo let 's anyone who steals people info open accounts in their name.

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 2023-06-14
Company: Receivables Management Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RMP which is not clearly licensed in California and operates from Ohio is trying to collect a 2.7 % surcharge on a service at XXXX XXXX XXXX. I am assuming this debt is for my child since I personally have never been to XXXX XXXX XXXX and RMP has been unable to prove that I have been -- just a bill in my name with my insurance ( XXXX XXXX XXXX XXXX XXXX ). In their statements they note that they accept assignment and that they have been paid {$140000.00} but that they absolutely need another {$38.00} on top of that, or they will continue harassing me and ruin my credit. Huge claims for a debt that I did not incur and for which they have already been paid {$1400.00} which is 97.3 % of what they claim is " owed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please remove it from my credit report. Both XXXX XXXX XXXX credit cards accounts are being report 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 explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
These accounts are older than 7 years old and should be removed from my credit report immediately my children are now adults with kids. these payments stopped more than 7 years ago the balance remains the samePlease help me with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We thank you for the prompt response. 
THERE IS A MISSING PART IN THE HISTORY OF THIS LOAN ITS THE PERIOD BETWEEN XXXX  AND XXXX. 
PLEASE PROVID THIS INFORMATION WHICH IS CRUCIAL TO THIS CASE. 
THE PERIOD WHEN XXXX  XXXX XXXX WAS THE SERVICER. 
THE LOAN WAS STUCK FOR 8 YEARS IN THE CAOS OF THE XXXX  FINANTIAL CRISIS. 
WE UNDERSTAND THE LAW REQUIRES THE PRESENT SERVICER TO PROVIDE THE HISTORY OF PREVIOUS SERVICERS. IN YOUR CORRESPONDENCE THERE IS NO MENTION OF XXXX  XXXX XXXX. THERE IS HOWEVER A LOAN REFERENCE NUMBER : XXXX. ( # XXXX ) WHICH IS THE XXXX  XXXX XXXX LOAN NUMBER. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: FISERV 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: Public record information inaccurate

Complaint:
I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. XXXX is still showing inaccurate information on my credit report as well as XXXX. My scores are all different between the 3 and this is frustrating.

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 2021-06-14
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted on XX/XX/2021, by someone calling from XXXX stating that they were a representative from XXXX XXXX  which is my electric provider stating that I was on a disconnect list for that day for my power to be cut off.. I advised them that my payments were up to date and he stated that there was a system error causing a glitch in their system that why they were reaching out to customers and to avoid having the electricity turned off I would need to make a payment to be taken off the list and I agreed to make a {$250.00} payment to keep my lights on and was advised that I could pay thru Zelle but before the payment could be made the call dropped but was called back from XXXX. He walked me thru the process of using Zelle through my online Banking for Bill Pay with Zelle and provide XXXX ) XXXX then stated that the first payment did not go thru and try again if he sees to request he would decline one of them after about 15 minutes I retried then I saw the first payment go thru but it was too late and he stated that he would cancel the second one but never did that when I got suspicious and I contacted my electric provider and my account was in good standing. Then I reached out to my bank to see if I could put a hold on the payment. I contacted my electric provider. Transaction numberXXXX and Transaction numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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'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 and I am filing this complaint about 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 2023-06-14
Company: FC HoldCo LLC
State: FL
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:
I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX XXXX ) FLAGSHIP CREDIT ACCEPTANCE ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.

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 2019-08-08
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Genesis FS Card Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: GA
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:
All accounts listed for each bureau that I have uploaded are NOT my accounts. I have gone thru the FTC website, also submitted my own paperwork with the 605b and 609e, attached but to no change at all. The police would not let me do a police report because they said my ID is valid which what was used to get the vehicles and credit cards, but it was not me. Please help immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Bread Financial 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: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regard to the incorrect items on my credit report, it has been over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
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 XXXX Account # XXXX 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 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 2023-06-14
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX, a companion of mine executed a deposit of {$40000.00} into my Bank of Hawaii account. The aforementioned sum was diligently tallied multiple times, verifying a total of {$40000.00}. This transaction was carried out at the bank where the cashier also confirmed the total amount to be {$40000.00} after conducting several counts. My associate was then duly issued a receipt for the deposit, again stating the amount of {$40000.00}. 

However, a startling discrepancy arose three days following the transaction. The bank reached out, claiming an error had occurred and the deposit made by my friend amounted to only {$35000.00}, despite the earlier meticulous counts. The bank initially proposed a discussion with me concerning this matter but proceeded to deduct {$5000.00} from my account prematurely. 

The situation deteriorated when the bank denied access to an additional {$5000.00} from the original deposit of {$40000.00}. Consequently, this decision by the bank essentially signifies an unauthorized deduction of {$5000.00} from my balance, even though the bank 's own cashier had confirmed the deposit of {$40000.00} after multiple counts and the deposit slip provided corroborates this. 

Furthermore, the bank 's refusal to grant access to another {$5000.00} implies a total unauthorized deduction of {$10000.00} from my account. This action has transpired notwithstanding the explicit evidence of the original deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: DE
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 explanation
Consumer complaint received 2023-10-05
Company: CL Holdings LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This consumer committed mail fraud breach of trust, copyright infringement, grand larceny aggravated identity theft. Breaking several violations of domestic and rights the ucc and common law. By breaching the Trust and stealing trust property. By assuming the role of the Trust Protector. Violations will be attached with an invoice for these violations. If the invoice is not paid I will enforce in an admiralty venue a maritime lien subject to levy, distraint, distress, a certificate of exigency.Failure to respond within 10 days of receipt of notice. I will execute through Litigation complaints have or will also be filed with federal courts. UCC actions will be taken as well. I have never heard of this company nor have I ever authorized them to use any of the trust property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i asked for the account to be removed because of consumer financial rights and us code violations. 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) account is being reported on one report with a high credit of 650 on equifax and 914 on other two reports this is inaccurate reporting please delete this inaccurately reported account immediately also the dates last active are not matching this also inaccurate reporting. u acknowledge in a recent letter that u follow the laws and guidelines set forth but the fair credit reporting act so please acknowledge this law from the act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) your letter states that credit one bank was accurately reporting when it was not resolution im seeking is deletion of account from all consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or around XX/XX/2023. I went to renew an expired ATM card. At citizens Bank. Address location, XXXX XXXX XXXX XXXX, New York XXXX. Phone number XXXX. 
The banker gave me a temporary ATM card and told me my new ATM card would arrive in the mail. About 10 days later, I received a credit card with a credit limit of {$3500.00} from citizens Bank!! I never asked for a credit card only a ATM card to replace my old ATM card!!. As a result of this fraud I lost XXXX points on my XXXX XXXX! This is fraud!!! I contacted a branch XXXX from a different bank who told me that it would not affect my XXXX XXXX it was a lie!

Company response to consumer: Closed with explanation