BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: EQUIFAX, 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}. 
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 ACCOUNT 1. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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}. 
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 ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2023-06-11
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Urgent Removal of Inaccurate Debt from Credit Report Pursuant to Applicable Laws Dear Sir/Madam, I am writing to dispute an erroneous debt that has been reported on my credit file, which I believe is in violation of relevant laws and regulations. After a careful review of my credit report, I have identified a debt that does not belong to me, and I kindly request your immediate action to rectify this inaccurate information by removing it from my credit report. 

I would like to bring your attention to the following details regarding the incorrect debt : Creditor : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$5500.00} Date of Inclusion : XX/XX/2022 Please also remove all unrelated Address 's and Phone # 's other than the heading. 

As per my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, outdated, or does not belong to me. Furthermore, the FCRA requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute notice and remove any inaccuracies promptly. 

Therefore, I request the following actions from your end : Conduct a thorough investigation into the disputed debt and verify its accuracy. 
Provide proof of validation for the debt in question, including documentation that demonstrates its legitimacy and ownership. 
Notify me promptly of the results of your investigation within the legally mandated 30-day timeframe.

If it is determined that the debt is invalid or inaccurately reported, remove it immediately from my credit report. 
Furnish me with an updated and corrected copy of my credit report reflecting the removal of the incorrect debt. 
Please note that the presence of this inaccurate debt on my credit report has adversely affected my creditworthiness, causing undue harm and potential financial repercussions. It is crucial that you take prompt action to address this matter and restore the accuracy of my credit report, in full compliance with applicable laws. 

Thank you for your immediate attention to this urgent matter. I expect a timely resolution and the removal of the inaccurate debt from my credit report, as mandated by the FDCPA and FCRA. Failure to comply with these legal obligations may result in legal action to protect my rights under these laws. 

I anticipate your cooperation and appreciate your swift action in resolving this dispute. 

Sincerely, 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 2022-04-09
Company: Tribal Lending Enterprise, Inc.
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
The interest rate is illegal.

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 2019-03-13
Company: BANCO POPULAR DE PUERTO RICO
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My checking account with Banco Popular de Puerto Rico was closed due to inactivity for 6 months which I understand. I called XX/XX/19 to reactivate it, they sent me a form called Account Reactivation Request which I filled and sent to them the same day. I have been calling multiple times during the last months and they keep telling me it is in progress and will be reactivated the next day. Today is XX/XX/2019 and I still can't access my account. I left this account open in order to be able to transfer money easily to my family in Puerto Rico in case of an emergency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-05-21
Company: Experian Information Solutions 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}. 
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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-12-02
Company: Experian Information Solutions Inc.
State: NV
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 submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies. 
I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?

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 2019-03-12
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 60 days of opening your account. 

2. On XX/XX/XXXX, I met all requirements of the Offer. The bonus did not post. 

3. On XX/XX/XXXX, I contacted customer service for assistance via secure message ( Exhibit B ) and was advised by XXXX XXXX XXXX Specialist XXXX on XX/XX/XXXX that the bonus will be credited to the new personal checking account no later than 125 days from the account opening. 

4. Today is exactly 125 days from the account opening and the bonus has been credited. 

5. Please pay the advertised bonus of {$300.00}. 

6. Else this matter will proceed to trial. 



Sincerely, XXXX XXXX enc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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 {$450.00}, {$400.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -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 2019-03-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Send off a validation letter to the creditor to show proof with signatures. The creditor sent over a past due bill with no validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: CITIBANK, N.A.
State: TX
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 customer service

Complaint:
On XX/XX/2020, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. And automated response was sent back saying that their Fraud Department needed to be contacted via telephone. I then inquired as to why a customer is required to call in ( considering the time and effort needed in order to speak to a representative ). I have sent two separate, secured messages and Citi ( Best Buy VISA ) has refused to communicate with me with regard to this inquiry. If I leave, as scheduled next week, I feel this company will purposely impose a freeze on my card, that will result in my inability to access my good standing account. I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint.

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 2019-03-12
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: Their investigation did not fix an error on your report

Complaint:
Hi my name is XXXX XXXX I did submitted a complaint on my credit report no issue were solved, I am hoping so CFPB may do solve this issue. My mortgage company were reported to credit bureaus for late payment which I did paid at the time when they have been reported to credit bureaus. After I could not proof my innocence with all valid documentations, wich I have all payments, transactions, cleared checks they have cleared, even after I submitted all this legal documents the company still refused to clear their FALSE report. After all this XXXX XXXX game I decided to sell my house to keep me away from this company. After I sold house I call to XXXX, XXXX and Experian credit bureaus. Both XXXX  and XXXX 100 % were cleared my credit which i am very thankful to them, only EXPERIAN DOESNT WANT TO REMOVE THE REPORT. Please contact them otherwise I dont know where to refer. Its been 1 year of nightmare with this issue. Thank you

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 2019-03-13
Company: AES/PHEAA
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: Account information incorrect

Complaint:
XXXX XXXX  sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
First I was contacted by company XXXX XXXXXXXX XXXX XXXX on the XX/XX/19. 
Ive been told by person from this company that I owe Best Buy money. I told that person that I already paid twice for Best Buy. He contacted the last agency that have received a payment from me. He said that he has a completely different account that he has on file. He offfted me settlement of {$1000.00}. I unfortunately do not remember how much was the original balance. I paid the settlement. Today I received a call from ( XXXX ) XXXX, transcript of the voicemail ; XXXX ________ this is ______ XXXX at attend a ______ in XXXX County contacting you in regards to some legal documentation that does require your signature you will need to make yourself available immediately I am assuming you will be at a place of employment at this time so I will head there first if I can not locate you there I will be going to the home address on file with that being said this is a very time sensitive matter so if you have any questions concerns or you need to reschedule delivery ____ filing party immediately at XXXX and give them case number XXXX I called the XXXX number and provided the case number. After a hike Ive been told by a woman that I have to pay balance with Best Buy or otherwise I will face legal charges. After a lot of holds they offered me a settlement of {$2700.00} and I asked if I could divide payment. I only could pay {$1000.00} today, they told me that I have to pay around {$350.00} and in 30 days the other {$1300.00}.

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. 
He ran my credit 3 times. 2 times with TRANSUNION for XXXX XXXX XXXX, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. 
XXXX XXXX XXXX TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. 

Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 

2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH XXXX XXXX XXXX IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. 

ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS 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 2019-08-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX, XXXX- 2 Transactions on this date hit my bank. 

1. XXXX XXXX {$9.00} 2. XXXX {$89.00} I have notifications on my bank account and prior to any transactions hitting my bank account I had a positive balance of {$15.00} According to my alerts from yesterday, Transaction # 1- XXXX XXXX {$9.00} was processed via debit card at XXXX which left me with a balance of {$5.00} I got the notification that my balance was below the {$10.00} amount. 

Several hours later Transaction # 2 hit my account via debit card from XXXX for the amount of {$89.00} which turned my account into a negative balance of - {$83.00} which would prompt an overdraft fee, no hands down. But I get two overdraft fees, one for each transaction. So I called CHASE to figure this mess out and they tell me they decided to process Transaction # 2 before Transaction # 1 which allowed them to charge me two overdraft fees, this by no means is not fair business and should be against the law for a bank to alter the books to gain a profit. 

This is fraud and theft

Company response to consumer: Closed with monetary relief