BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Kingston Data & Credit International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Prove that I walked into to this gym and signed these documents! Prove that I agreed that I received anything with my signature on it! Also you never responded to the XXXX credit letters sent to your company addresses how much you guys paid for this debt amongst other questions your obligations as a agency have to answer! Your company is a fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a free credit report from all 3 agencies. I disputed this information with all 3 agencies. As a result of my dispute, instead of providing prove that this is my debt the company, PORTFOLIO RECOVERY ASSOC. keeps updating info instead of providing proof. This is not my debt, it was someone else 's debt who put me down as an authorized user. That I was not aware of, their debt went into collections and because they can not locate the debtor, they are placing false information on my report. XXXX, XXXX and XXXX  were notified, yet they keep allowing this collection agency to just update instead of removing. When I requested information as to what proof did they provide they all just tell me to contact Portfolio, who  respond to my calls by telling me that if its not my debt they can not discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting incorrectly a collection/chargeoff in the amount of {$64.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was previously removed from XXXX  and XXXX   however, Experian has re-aged this collection and added a new account number along with a new reporting date. This is a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate account information be reported on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report, I have contacted the bureau to remove this however, I have not  been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: NY
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 on my credit report I was being told I had applied for a new XXXX XXXX XXXX on XX/XX/2020. I never applied for a XXXX XXXX XXXX on that date as I am perfectly happy with the XXXX XXXX XXXX I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to XXXX XXXX over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently disputed the accounts/ information listed below to XXXX and Transunion reporting agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 Transunion has responded stating the information was verified and XX/XX/2023 XXXX responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of XXXX 's and Transunion 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with Transunion and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against Transunion and XXXX to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as Transunion 's response.

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 2018-07-25
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: Old information reappears or never goes away

Complaint:
I had a XXXX XXXX XXXX credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted XXXX XXXX XXXX to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.

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 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I recently received an email from Capital One that they were closing a credit card account I held with them due to inactivity. I immediately called them to inquire why I was not given any advance notice or an opportunity to remedy the situation and to request that the account be reinstated as it is my oldest card and I was maintaining it for that reason. I said I'd be happy to use the card, but was told repeatedly that once that decision was made there was no recourse, but I was welcome to apply for another Capital One card. In these current times of uncertainty the loss of purchasing power and the impact to my credit score will be somewhere between significant and enormous as I am  about to refinance my house. I have called them at least two more times subsequent to the first call and have gotten the same response. This arbitrary and capricious decision has undermined my trust in Capital One and has had, and will continue to have, negative impacts on my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Car toal loss and Santader will not negotiate with me to repay to remaining balance of loan that was not covered by insurance. Santander has commited predatory lending by : 1. Risk based pricing - The price of the car was increased when Santander became the lender. I was told that the Santander would only finance if the loan was XXXX. 
2. Negative amortization - The car was purchased for a little over 20k but there is still over 17,000 that is left the pay on the loan. Most of the payment has been applied to interest. I also had a fee deferment when I was unemployed. I only requested one month but Sanrander told me that I had to have two which further increase the amount of payment that was applied to intertest. 
3. Loan packing - I was told that I needed to have the extended warranty on the car or they would not finance me. I was also told that gap insurance was included the car protection plan with the warranty, but it was not. 

I was also told that Santander has completed an interest modification, but the interest rate still remains the same and a smaller amount is applied to principal which allows interest to accrue and benefit Santander. 
Santander also has not sent me the contract which I requested two times two months ago. I requested a copy again on XX/XX/2018. 

I was very naive just out of XXXX school when I needed a car. Santander took advantage my ignorance and is holding me to an agreement that was made underpressure and false information. I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX XXXX XXXX settled this account on XX/XX/2019 for {$1400.00}. The first payment was on XX/XX/2019 and subsequent monthly payments were made as indicated on the scheduled payment log, attached. These payments account for over a year of payments. 
Again, the settlement amount {$1400.00} is less than the amount ( {$2700.00} ) LVNV Funding is reporting as the correct balance owed. A false impression is created for everyone who are reviewing my credit reports. Additionally, it indicates that I am more deeply indebted than I actually am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX the collection was XXXX  accoint # XXXX i never signed a contract with XXXX. then collection come back as ... I c systems then XXXX XXXX original contract i signed was with XXXX XXXX XXXX account # XXXX XX/XX/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 2018-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 morning, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. I deposited a $ XXXX check to transfer money from my XXXX checking account to my Wells Fargo saving account. It took 10 mins to get done. After that, I went to the XXXX branch next to Wells Fargo branch in the same plaza. I deposited another $ XXXX check to transfer money from the same XXXX   account to my XXXX saving account. 

On XX/XX/2017, $ XXXX was deducted from my XXXX account. XXXX was great and I immediately saw the $ XXXX new money in my XXXX saving account. However, Wells Fargo was keeping holding my $ XXXX money for extra 10 days. Until ten days later, I finally saw the new money in my Wells Fargo saving account. 

During that ten days, I reached out to Wells Fargo local branch and also the corporation representatives. None of them gave me a solution. I clearly felt that they just tried to hold my money as long as possible. 

Conclusion : Wells Fargo cheated and took advantage from consumers. More importantly, I am not the only case, the same activities are still happening on my friends. I want to make this issue public so that other consumers won't be trapped by Wells Fargo.

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 2018-07-25
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My XXXX XXXX account was compromised earlier this year resulting in several transactions that were not mine. I timely disputed the charges online and spoke with Customer Service multiple times. XXXX XXXX told me in writing not to pay the charges until the dispute is resolved. I have since learned that my account was compromised through written notification from XXXX XXXX. Despite the above, XXXX XXXX has placed my account into collections and is making negative reports to the credit reporting agencies. I have on a weekly basis communicated with XXXX XXXX by telephone to explain the situation, to no avail. I am getting dozens of phone calls a day from XXXX XXXX trying to collect this debt that is not 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 2022-02-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Somebody has access to my debit, credit, and XXXX XXXX  card and has been trying to take money through XXXX  with amounts of {$1.00} to {$100.00} I keep all my cards locked for this reason and I have even changed cards plenty of times ( I have another card on the way now ) even when I change cards this person could still access them. This has been happening for almost a year now and they wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2023-08-16
Company: EQUIFAX, 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 is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX I XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LAXXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} ; DEPT OF ED 7XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Natinal credit adjuster called me about a debt that was explained to them that wasn't mine called an ask to a verication letter annwas told no they not sending me anything that I would have to provide a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIBANK, N.A.
State: TX
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:
Citi has closed my account without an explanation nor with my permission and refuses to refund the prorated membership fee. The CSR stated that I am not eligible for a refund. I stated that I didn't ask for my account to be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. MY COMPLAINT IS ABOUT " DESIGNED RECEIVABLE '' A COLLECTION ACCOUNT FROM THE XXXX XXXX XXXX XXXX, A SUBSIDARY OF XXXX XXXX XXXX. THEY ARE LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, CA XXXX. 
2. THE TYPE OF PROBLEMS THAT I AM HAVING WITH DESIGNED RECEIVABLE IS THAT THEY WERE PAID MORE THAN ONCE. THE XXXX XXXX WAS PAID AND DESIGNED RECEIVABLE WAS ALSO PAID IN FULL. AFTER MY BANK CONFIRMED RECEIPT OS THEIR PAYMENT, DESIGNED RECEIVABLE REFUSED TO SEND A RECEIPT TO CONFIRMED THEIR PAYMENTS. INSTEAD THEY HAVE CHANGE THE AMOUNT SEVERAL TIMES AND HAS BEEN RECORDING ON ALL THREE CREDIT BUREAUS, XXXX, XXXX, XXXX, SEVERAL TIMES A WEEK AS A NEW COLLECTION, LOWERING MY CREDIT SCORES, YOU CAN TAKE A LOOK FOR THIS WEEK ALONE, THAT XXXX ENTRIES WERE REPORTED TO MY CREDIT REPORTS. NOT ONLY IS THE CREDIT REPORTER REPORTING THEIR INFORMATION, DESIGNED RECEIVABLE WAS DISPUTED AND PROOF OF PAYMENT WAS FURNISHED TO ALL CREDIT REPORTS AND WAS IT WAS DELETED AND CORRECTED BY ALL THREE CREDIT BUREAUS WHO HAD A LOCK, FREEZE AND FRAUD ALERT ADDED TO THEM. DESIGNED RECEIVABLE HAS BROKEN ALL THESE FIREWALLS/CYBERSECURITY AND IS REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTACHED THE RECEIPTS FROM MY BANK AND A MORTGAGE COMPANY WHO WANTED A CONFIRMATION OF MY PAYMENTS. 
3. I DONT KNOW WHO THESE PEOPLE ARE, BUT I AM WRITING TO YOU TO INVESTIGATE AND INQUIRED ABOUT THESE ERRONEOUS REPORTING AND THAT YOU WOULD MAKE THEM GIVE ME A RECEIPTS OF THEIR PAYMENT AND PERMANENTLY DELETING ALL NEGATIVE INFORMATION ON MY CREDIT. ALSO WITH SO MUCH ALERT ON MY CREDIT REPORT, INQUIRE AS TO HOW THEY HAVE SUCH AUTHORITY TO OPEN MY FILE WHENEVER THEY WANT TO. 
4. I AM CURRENTLY SEEKING A PLACE TO LIVE, BUT MY CREDIT HAS BEEN UP AND DOWN WITH DESIGNED RECEIVABLE NEGATIVE RECORDING. PLEASE HELP ME AND REMOVE THIS FROM MY CREDIT REPORTS

Company response to consumer: Closed with explanation