BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-14
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in IdentityIQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
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 2021-10-31
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX SS # XXXX I'm disputing a medical bill that was covered by XXXX I did not have a problem getting the other 12 bills removed because they had also been covered by insurance but they will not remove this I have wrote called and went to the hospital it is RR Resource Recovery, L {$2000.00} XXXX XXXX XXXX I would appreciate any and all help time and XXXX took on the matter thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.

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 2020-08-20
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection/Debt is not mine. {$220.00} is the amount that CREDENCE RESOURCE MANAGEMENT is asking for. 

I called to dispute with CREDENCE RESOURCE MANAGEMENT and they could not find me by my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : PeXXXX 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 2018-02-25
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX  and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX FL XXXX Attn Billing Inquire Account No : XXXXXXXX TD Bank USA. N.A., c/o Target Card Services XXXX XXXX XXXX XXXX MN XXXX Statement XX/XX/2022 and unpaid previous Balance of XXXX and XXXX late fee. 
I really forgot to paid so I called Target customer service and agree to pay over the phone and they will credit the account the XXXX dollars Late fee and that would have been the end of it. 
My account was not credited and the account remain with a balance that I did not paid waiting for a credit instead the company ( Target ) issue yet another Late fee on XX/XX/2022 Statement for XXXX plus the XXXX late fee from prior statement not credited leaving a balance on XXXX on late fee ( not consumption of any good or service ). 
XX/XX/2022, I sent the first letter requesting a correction since all this commence with their mistake and not given the credit, they promise on XXXX. XXXX XXXX get a letter with a credit of XXXX dollar showing a balance of XXXX dollars. XXXX XXXX another letter XXXX. 
XX/XX/2022 statements showing credit I never saw and more fees and a XXXX balance XX/XX/2022 a letter that my claim was been review. 
XX/XX/2022 Statement with a balance of XXXX dollars XX/XX/2022 Statement also balance XXXX dollars XX/XX/2022, I sent second letter And the final response from the company was a letter from Target dated XX/XX/2022 in which they inform me that they disagree and that all the charges XXXX plus XXXX + XXXX + XXXX + XXXX + XXXX as well as all applicable fees will remain Last but not least just receive XXXX statement XXXX XXXX with yet another late fee of XXXX + XXXX interest for a total of XXXX Dollars. 
The card was sent back and cancel and no use and no charges has been made since XX/XX/2022. 
In hope that this a better outcome Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Mid-America Accounts Control Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency placed a negative report to credit bureau, after I disputed medical bill as being fraudulent.Collection agency failed to inform me about it's intentions to place a negative record in to credit bureau and failed to submit any supporting documentation. Collection agency place two negative reports for exactly the same account after I initiated dispute with credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I purchased a pair of headphones for XXXX $ I received a message that the item was out of stock and i would receive a refund in 10 to 21 days.I waited the days out and went to the domain of the page and it was compleatly deleted.No refund and no item.The business name was, XXXX.A provider on 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 2018-07-14
Company: EQUIFAX, INC.
State: SC
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 submitted paperwork to Equifax and they have not removed these two collection accounts that are not mine or provided any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, I closed a cash out refinance with Citizens Bank on XX/XX/XXXX. I began the process at the end of XX/XX/XXXX. There was to be no escrow for taxes or insurance as the loan is for {$180000.00} and the assessment of the home is {$400000.00}. The statement for XXXX shows an escrow for flood insurance of {$320.00} which was placed on the loan on XX/XX/XXXX. I had been quite clear with my loan officer, XXXX XXXX in the XXXX, CT office that I did not need or want escrow. There was no escrow included on the closing documents. On Tuesday morning XX/XX/XXXX, I spent 2 hours on the phone trying to rectify the problem. The customer service number Citizens Bank has listed on their app XXXX is only an automated phone service. You can not actually get any help. I called XXXX XXXX who was the loan processor. He tried to be helpful but said there was not much he could do. I called my branch in XXXX, CT and got a number that connected me with a person. He gave me the information that the escrow had been placed on the XXXX of XXXX for no apparent reason. He then redirected me to a person in charge of insurance. This person said since I do have the proper flood insurance, there was no need for the escrow and he would fix the error. It is now Saturday XX/XX/XXXX and the statement online still had the escrow of {$320.00} included for XXXX. 

Second, at the closing I was asked to choose the day I wanted money directly withdrawn from my bank account each month. I requested the XXXX of each month. Both the Citizens Bank Home Loan app and their online statement says that my payment was due on XX/XX/XXXX and that I am delinquent in payment. The gentleman in customer service assured me that my payment is to be withdrawn on the XXXX and that their app doesnt always make sense. The same information is also on Citizens Banks online statement. I believe that their error has now hurt my credit score. 

Third, they paid an incorrect amount of property taxes, which I recognized and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account number XXXX, XXXX XXXX XXXX : Account numbeXXXX XXXX, XXXX XXXX XXXX XXXX  : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXXXXXX XXXX : Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check of {$6800.00} on XX/XX/XXXX in my business account using the online deposit function. Chase Bank held onto the check for verification and claimed the funds will be available on XX/XX/2022 ( Exhibit 2 ). Now it claims it has not been able to verify the check. I contacted my client who issued me the check and was provided a cancelled check ( Exhibit 1 ) with evidence that Chase has cashed the check and the funds have been removed from his account. Chase has refused to make the funds available to me even though they have collected the funds from my client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: OH
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've received a copy of my consumer report and noticed some unauthorized inquiries on my consumer report. I never gave these companies any permission to pull my credit file. Heres a list of the inquiries i want removed from my consumer report. 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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion XXXX ACC XXXX - acc 2 XXXX acc 3 XXXX after reviewing your so called Investigation on XX/XX/2019 you claimed that you had verified and updated these account listed above But I noticed the status update didn't update?? How is this Possible?? please tell me NOW?? The FCRA REQUIRES YOU TO CONDUCT A PROPER INVESTIGATION SINCE THE STATUS UPDATE DIDN'T CHANGE THIS IS FACTUAL PROOF THAT YOUR OFFICE DIDN'T CONDUCT A PROPER INVESTIGATION! if YOU WOULD HAVE DID YOUR JOB AND FOLLOW THE LAW THE LAW THE STATUS UPDATE WOULD HAVE AUTOMATICALLY UPDATE WHEN XXXX RESPONDED BACK TO YOUR SO CALLED DISPUTE BUT THEIR WAS NO DISPUTE AS I CAN SEE DUE TO THE STATUS UPDATE THIS US A VIOLATION OF THE FCRA SO YOU KNOW I ATTACHED A COPY OF A XXXX  CREDIT REPORT IN FILE THAT WAS FINISHED JUST 3 DAYS SHY OF YOUR SO CALLED INVESTIGATION LOOK AT THEIR STATUS UPDATE AND ALSO THEIR HIGH BALANCE AND BLANCE YOURS IS NO WHERE CLOSE TO THEIRS This means you failed to investigate Not only the status update date is wrong also the balance and High balance and see the Top of your credit file dated XX/XX/2019 You should be a XXXX ashamed of doing this I'm serious this is the law and you must follow it. I will tell you this much if you DO NOT DELETE THESE 3 XXXX ACCOUNTS ASAP I WILL FILE I LAWSUIT. THIS IS UNREAL ... AGAIN IF THESE ACCOUNTS ARE NOT DELETE ASAP I WILL FILE LAWSUIT IF YOU DON'T BELIEVE ME TRY ME AND WATCH AND SEE WHAT HAPPENS

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 2023-01-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2020-05-26
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection notice from the company. I paid it, in full, on their website. It took them 2 days to process the payment, and then their website showed paid in full. The client 's website then showed that the payment was NOT in full, and that there were other fees, and amounts still due. When asking the collection company to provide a " paid in full '' letter, they declined, and told me to pay their client the balance claimed. Not only have they misrepresented the amount due, but would not stand behind it, when it was paid in full - classic bait & switch. It is fraud. To settle an account with full payment, and then to pull this kind of stunt is illegal, and they should be sanctioned. The client of XXXX XXXX XXXX is XXXX XXXX ( XXXX  ) Clerk of Courts, for the payment of a traffic ticket. The amount paid was in a written letter, and as appeared on their website. It stated that the full amount must be paid, which was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Bread Financial Holdings, Inc.
State: MI
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:
I have an Ulta XXXX Rewards MasterCard where every purchase I make, I am entitled to earn Ulta points for cash back on products directly in their store. 

After each months billing statement closes, the points are processed and uploaded to my rewards account. 

This usually occurs on or around the XXXX of each month, as my billing closing date is usually around the XXXX or so. 

For the Month of XX/XX/2022, Comenity Bank/Ulta XXXX Rewards MasterCard has failed to provide me with the points I have earned.

I called the rewards center and they lied to me and told me it was because my bill was not paid. This is a bald face lie. I actually make very large payments, and bi weekly on my own accord. Payments had been made on this account, and the statement isn't even due until around XX/XX/XXXX or so. 

I was then told it was because my card was cancelled, which is also a lie. There was fraud on the card # that was issued to me, I called and reported it, they cancelled that specific card number, and are supposedly issuing me a new one, my card and account has always been in good standing. 

So the rewards center had me call back the credit card number of XXXX again. 
The rep on this call stated to me " the point system is broken and we don't know when it will be back up. '' I earned those points and I want them issued in accordance with the contract I signed. I adhere to my contract and all payments are made. I have the right to those points, and that is what I use to shop for necessities for hair and body care items. 

They have falsely misled me by saying my points will be available and I've been harmed by their lies and illegitimate practice. 

They can manually add my points up and get them to my account

Company response to consumer: Closed with explanation