BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2300.00}. 
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/XXXXenclosed 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -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 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # 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 2019-01-11
Company: Experian Information Solutions 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:
My name is XXXX XXXX and Experian is reporting an account that I never had with XXXX XXXX XXXX. XXXX. This has been disputed several times and it has been disputed several times. I have never had an account with 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 2019-09-05
Company: Experian Information Solutions 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:
THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.

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 2021-10-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am having problems specifically with 2 banks- XXXX XXXX and Chase. Both represent that you can dispute a charge or transaction online although neither of them actually allow you to do that. Chase used to allow you to dispute a charge online and submit your dispute electronically. Now, they require that you call, and every time you call, you get the outgoing message, " due to the unusually high call volume, expect wait times in excess of 1 hour '' or whatever the message says that tells you you are going to wait a long time. I have tried multiple times to get through to someone and can not reach someone to dispute a charge. I feel as though Chase is doing this to purposely make it harder for people to dispute charges on their bills. 

Same thing with XXXX XXXX. They offer you the option to dispute a charge online but you go through the whole online process of providing information about the charge only to be prompted to call the 800 number which you end up having to wait on line forever to get a hold of someone. 

In both instances, trying to dispute a simple overcharge ends up taking hours. I feel as though both Chase and XXXX XXXX misrepresented themselves telling me that you can dispute a charge online and then making me call and wait hours to dispute a charge. I think the goal is to discourage people from disputing charges by making it so difficult and time consuming to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
on XXXX XX/XX/2020 I filed a dispute with CitiBank concerning a double charge of {$590.00} The vendor which I was paid {$590.00} for a service verified they were only paid once, not twice. 
CitiBank informed me on XXXX XX/XX/2020 that my dispute was resolved and the wording in their letter was confusing, as they stated " We're pleased to let you know your dispute has been resolved '' Only in XXXX, did I realize my dispute was not resolved. 
I wrote a letter to CitiBank with my concerns. 
I contacted the vendor, re-confirmed they were only paid once and they stated they were NOT contacted by CitiBank. 
CitiBank stated that the charge was valid, which was not my dispute, but that I was double charged, what should have been a single {$590.00} charge was actually two {$590.00} charges. 
CitiBank has claimed I waited too long to respond, my delay was based on a misleading letter from CitiBank and waiting till I received the next statement after the correspondence from CitiBank. 
I believe CitiBank made an error in the double charge, they did not conduct a proper investigation of the my dispute and their communication has been unclear.

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 2020-04-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Citibank over a charge made by Costco. Citibank never allowed me to provide documentation about this dispute ; they never allowed me to even explain my dispute ; I couldn't even talk to a representative about this dispute. Citibank now claims it needs more information, but will not provide me a way to give them the information they are asking for. Attached are screenshots showing there is no way for me to give Citibank information they asked for Put simply : Citibank is using delay tactics to prevent me from giving them information to properly adjudicate my dispute.

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 2021-07-12
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: Investigation took more than 30 days

Complaint:
I was told by a XXXX  represenative to call back on XX/XX/2021 for statutus of an existing dispute filed XX/XX/2021. I called in today and the customer service agent hung up on me after I asked for information of the dispute status. The agent refused to give me any information and told me to resend all documents to start a new investigation. I have sent in proof of FTC report with id, social and all required dispute letters. I have been going back and fourth with XXXX  for 6 months now and each time I ask if the items were 100 % verified with proof of all required documents due to me being a victim of identity theft they never can provide an answer. By Federal law each credit bureau is required to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, THEY MUST VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. XXXX  have not provided me a copy of ANY original documentation required under sec 609 ( a ) ( 1 ) ( A ) ( A ) consumer contract with my signature on it. ACCOUNT DISPUTE # 72052 AND DISPUTE ( XXXX XXXX ). I SENT MY IDENTITY THEFT REPORT FOR BOTH ITEMS.

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 2018-05-02
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:
I am a victim of identity theft, Ive notified the police dept in my county, filed a police report, circled the items that are fraud on my report sent my info drivers lic. 605b of the fcra to equifax numerous times all certified return receipts which I have, and they have refused to remove items from my report within the 4 business days they are allotted by law, these items have destroyed my credit stopping from getting loans, cars and employment over the last 6 plus months I want these things removed at once ... they have poposidly refused to remove fraud from my report I want them removed immediately or I will go to federal court to sue this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: Acceptance Rentals, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit bureau made aware I was a victim of identity theft. Of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with redacted unknown account numbers and I have never done business with Acceptance Rentals. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: AFNI INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: DE
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:
Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.

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 2020-04-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX Synchrony card makes it impossible to see what your charges are for. 

If you have a huge balance on your account and want to know what the charges are for, it is impossible to get an answer. I have spent hours on chat with agents unable to provide basic details about charges. All I am seeking is an itemized receipt that lists the charge for the item as well as charges for taxes and shipping and credits for rewards dollars and returns. 

They offer you 2 options : - View Statements under Account Activity. This is just totals. No itemization. 
- Enter your order number into the main XXXX XXXX  XXXX site. Again, this only yields totals. No itemization. 

One agent mentioned that an itemized receipt could be sent within 30-60 days ( well past the payment due date ). She did not confirm that she would send this and no one else was able to offer this.

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 2020-11-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX {$46.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started receiving phone calls in the middle of the morning on XX/XX/2020 about a XXXX bill I do not owe about around XXXX. I tried to call the collection agency and the number would connect or it would disconnect from service which I though was odd and crazy. I do not have a comcast account in the account above nor is it mine. I tried multiple times to call and discuss this collection bill which started months I got cable with the XXXX cable provider. I was receiving a bills in the mail from Sequium Asset Solution, LLC and applied for a job from them also when they sent me an employment application to fill out. I fill out the application twice but did not hear anything back from this business. I had gave them my personal information which I think they have been using to send me collection bills and to keep calling me in the morning around XXXX and until XXXX at night. Sequium has been sending me unsolicited mail with collection of bills I already paid or already a paid account with no disputes or issues when these companies because I still have my internet, cable and utilities on in my name. They started contacting other utilities and my employer to find my whereabouts and showing up at my house knocking on the door and messing with my car. I don't once this collection bill and they keep sending me collection bills and phone calls. All my bill are bill on time and this company keeps harassing me about a bill not owe to them because I have not been given anytime to pay this so call bill or heard anything about a XXXX cable bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: IL
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 requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and Experian. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX. I received a letter at my address addressed to 'Reuben XXXX XXXX demanding payment on an old debt to XXXX XXXX XXXX XXXX XXXX After contacting ERC ( Enhanced Recovery Comapny LLC ) to figure out what was going on ( I keep good records and have spotless credit and it wasn't addressed to my exact name so I wasn't particularly concerned for myself... ) They were unable to explain to me how their skip tracing protocol ended up with my address. In trying to confirm my identity ( rather, in trying to get me to confirm XXXX XXXX XXXX identity ) they asked me about a XXXX address which I never had ( though I have lived in New York on and off for more than a decade ). While they marked the account as an incorrect address, my concern is this, from what I'm able to piece together, it seems that ERC is sending collection letters on this particular debt to anyone who lived in the New York area and has a name remotely resembling the name on the account they're trying to collect on which, if true is blatant phishing, it certainly doesn't seem legal and it is most definitely unethical. This is made more concerning by the tone of the correspondence : " ERC has been authorized to report your delinquent account to the national credi bureaus... '' and " Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of the notice the debt will be assumed to be valid by us. '' coupled with the 'easy payment options ( XXXX XXXX XXXX XXXX or Credit Card ) and the relatively small amount of the debt in question ( {$370.00} ). At the very least, indiscriminately sending out collection letters to people will cause a great deal of stress, at the worst, it will lead to scared people paying debts they don't owe ( because of the relatively small amount and the urgency of the correspondence ). Had ERC been able to explain any other points of similarity between XXXX XXXX and myself other than our names and our having lived at some point in New York XXXX, I would chalk it up to a strange mistake, but as far as I can tell, there is literally nothing else in common between us, and there are a great number of people in the New York XXXX area with names similar to 'XXXX XXXX XXXX as neither name is uncommon.

Company response to consumer: Closed with explanation