BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately.

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Took out a Title Loan on a vehicle for the amount of {$2500.00} Paid on this loan on time for 5 months. The interest kept raising, to where I was unable to afford the 500 % increase in this loan. 

The vehicle was repossessed by XXXXitle Company " 800 Loanmart ''. 
Their address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number : XXXX However, they continue to add interest to this loan and keep it on my credit reports as in default of {$17000.00}. with the account " charged off '' in the amount of {$2500.00} They continue to charge interested on a loan that was charged off and repossessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: TX
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 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 explanation
Consumer complaint received 2022-11-17
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/23 Called number on the back of the card ( XXXX ) to verify my balance. The {$100.00} was confirmed as my balance. It was suggested at this point that you should register the card to access balances and transaction, etc., so I decided to do so. 
XX/XX/23 - proceeded to go to the website www.giftcardmall.com/mygift as directed by customer service to register my {$100.00} XXXX XXXX card by entering the card number, valid thru date and XXXX digit code as requested. I noticed that the website was extremely slow processing the information so I called the XXXX to check my balance again. At this time the balance was communicated to me as XXXX cent?? 
XX/XX/23 - checked my balance again at it is still the same, XXXX cent again?? 

XX/XX/23 - emailed XXXX ; opened Case # XXXX Here is the response. 

Hello XXXX, Thank you for contacting Gift Card Mall Support. 

We are sorry to know you are having difficulties redeeming your XXXX XXXX XXXX. We will be happy to assist you. 

While our Gift Card Support team is unable to assist you with matters of this nature, as we are the order processors for gift cards purchased on our website, Visa Customer Support is available to take care of any questions or issues you may have. Please contact XXXX XXXX XXXX for assistance at XXXX. 

Your feedback is important to us, you might receive an email survey to rate your experience in this contact Cordially, XXXX XXXX. 
Customer Support Thank you for the opportunity to assist you! 
Hello XXXX, Thank you for contacting Gift Card Mall Support. 

We are sorry to know you are having difficulties redeeming your XXXX XXXX XXXX. We will be happy to assist you. 

While our Gift Card Support team is unable to assist you with matters of this nature, as we are the order processors for gift cards purchased on our website, Visa Customer Support is available to take care of any questions or issues you may have. Please contact XXXX XXXX XXXX for assistance at XXXX. 

Your feedback is important to us, you might receive an email survey to rate your experience in this contact Cordially, XXXX XXXX. 
Customer Support Thank you for the opportunity to assist you! 

XX/XX/23 - Replied to this email and asked if they would reopen this case as I followed all the instructions as provided by the customer service & balance inquiries. 
XX/XX/23 - hecked my balance again at it is still the same, XXXX cent again?? 

In closing, I have made no purchases using this card and would simply like to know what happened to {$99.00} on this card. 

Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!

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 2019-08-02
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: CITIBANK, N.A.
State: FL
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 rewards from credit card

Complaint:
On XX/XX/XXXX I received Targeted Promition from Citi Advantage Platinum Select Credit card. It offered XXXX miles after spending {$3000.00} in 3 month as a benefit. When I received card and all the paper along with it I couldnt find the XXXX miles benefit on it. On XXXX XXXX I called customer service and raised concern. Ive been assured that I am eligible for this benefit. After spending {$3900.00} and not seeing the miles, I called customer service again and been told that because I have closed another credit card within 24 months, I am not eligible for the XXXX miles. How this Targeted Promotion was sent to me if I wasnt eligible? Citi got two sets of materials that they sending to the customers : one with full benefits and another for duped people with the short benefits. There was nothing in the application disclosing eligibility requirements. Citi is in violation of the Truth in Lending Act and should stop deceiving practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Account Resolution Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 



This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Account Resolution Solutions, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Account Resolution Solutions, continues its collection efforts, I will file for litigation for actual damages caused and Account Resolution Solutions, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
have been having ongoing issues with my Experian credit score since XXXX of 2020. I have contacted the customer service team multiple times in XXXX of 2020 and XXXX of 2020, my latest interaction was on XXXX XXXX and I was giving different response on how to handle the situation and it has yet to be resolved after I have done everything possible on a consumer level. My credit score has not been updated, although there has been several changes in my credit since then like my credit card utilization has decreased, my car note payment has decreased and collections have been removed but still showing on my Experian credit and no one can answer why its not updating. I have mailed copies of my social security card, drivers license, bank statement etc and Im still stuck with being told they dont know why its not updating and not sure when it will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I lost my phone and same day there were two transactions which I didnt authorize, moreover, I even dont know the names of these people to whom funds where transferred from my bank account ( bank of america ) by using XXXX : XXXX XXXX {$300.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} ( this one was transferred on XXXX XXXX, I have not authorized this transaction and I dont know this person as well ) Total of {$600.00} disappeared from my bank account ( bank of America ) . I have opened a fraudulent claim with Bank of America, after some time they denied the claim by saying it was valid transaction since it the transaction performed through a device from which transactions were performed before, they ignored my statement that I lost my phone and that Im sure that I never authorized those three transactions. I have been sending them evidences to Bank of America that I lost my phone, that I bought new one, as well as new cellphone number, in order to reopen the claim. Bank of America keeps denying and not considering my evidences. The claim has been reopened and closed 3-4 times already. Im tired of it. Seems like Bank of America supports fraudulent activities, doesnt care about their clients money, maybe they did these transactions themselves, maybe some Bank of America workers . I dont feel like Bank of America is safe and I cant rely on them anymore. I want to close my account with them and go to another bank, but before I do so, I need to receive the refund of {$600.00}, please help me. I sent Bank of America enough of significant evidences and the bank did not provide anything, they just keep saying that they cant refund because it was valid transaction through valid device and keep rejecting my words and my evidences that it was not me. Thank you in advance

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 2022-11-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One has fraud restricted my account. I had a large refund hit my card due to a return, and Capital will not give me back the negative balance now on the credit card. An amount of {$2800.00} Details : Late 2022 I tried to purchase an XXXX at my local XXXX XXXX in XXXX NY using my Capital One Quicksilver card. I was flagged for fraud and the transaction was blocked. 

I called up Capital One immediately in the XXXX store. I was asked to upload a picture of my license. I did that, however the lighting conditions in the XXXX store are sub-optimal. Many overhead lights causing reflections. The id was not verified by Capital One 's systems and i was not allowed to proceed with the purchase The next day I called up again, I was asked to go through verification and upload my license pictures. I followed instructions and uploaded clear images. Once again Capital One 's system did not verify my identity. I was then permanently blocked from using the account with no option for a resolution. I offered to go in person to a branch with my license and passport for verification. I was told that Capital One 's systems/processes don't allow this. 

As the account was in-operable. I told them to close it. 

Following these events I received a large refund onto the card from a purchase I had made and then returned. After calling Capital One many times, they have not sent me a check for the amount they owe to me of {$2800.00}. They have offered no way to provide me with the money even though they repeatedly stated that they can not hold onto those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX submitted original PSLF documentation - it wasn't approved then was resubmitted in XX/XX/XXXX still not approved and stating it is being reviewed XX/XX/XXXX applied for XXXX XXXX via tlephone was told it was approved then found out it wasnt in XX/XX/XXXX because of system glitch called XX/XX/XXXX stated it was denied because needed supporting XXXX but was never informed what these were sent in what was requested was told it would be XXXX XXXX days called XX/XX/XXXX they told me there was a delay and they put forbearance on my loans until XX/XX/XXXX XX/XX/XXXX it was viewed as pending missing documented despites confirming on XX/XX/XXXX everything was received told to call back called back XXXX was told they had everything give it XXXX XXXX days - spoke w/ XXXX called XX/XX/XXXX was told missing recent paystubs NO ONE at this point told me that was needed was told once it was received my application would be expedited they refused to give an extension on loan payment and told me id have to call back if documents weren't received to avoid the $ XXXX current requested payment on XX/XX/XXXX XXXX informed me she doesn't know how long it will take, couldn't give me an email or phone number of a direct specialist, I was again told to call back and check in XXXX - 7 days I have spent over XXXX hours on the phone trying to work this out they continue to charge me daily interest when they haven't resolved my payment plan issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am being charged for items I do not have. I have contacted XXXX XXXX  and Synchrony about these charges. With no help. I have asked for proof of purchase to be sent to me including name and signed invoice or delivery slip. Which after waiting for 30 days I have not received until XXXX XXXX which does not belong to me! I am XXXX XXXX not XXXX XXXX this is a fraudulent charge and according to my rights I want it removed immediately from my credit. I spoke with XXXX at XXXX XXXX on XXXX XXXX who confirmed in the begging of our conversation that the items are returned/refused.

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 2022-11-17
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A random collection popped up my credit report from a company I've never even heard or let alone owe money any to. It showed up on my report on XX/XX/2022. The amount is {$1300.00} and I have ZERO idea who they are or what they represent. The name of the company is Credence Resource Management.

Company response to consumer: Closed with non-monetary relief