BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
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 2020-02-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a XXXX dishwasher from BestBuy on XX/XX/2019 for delivery on XX/XX/2019. I opened a BestBuy / Citibank credit card at the time at the XXXX XXXX, XXXX, NY BestBuy store. The saleswomen suggested I purchase a deluxe installation kit ( {$29.00} + {$2.00} tax ) and a haul-away service ( {$19.00} ). I agreed to these additions. The dishwasher was delivered as agreed to, but the delivery did not include the installation kit and the delivery men refused to haul away the old dishwasher. I signed a delivery logbook the delivery man presented, noting that the delivery men refused to haul away the old dishwasher. This book contained multiple entries, I assume for other deliveries. The old dishwasher sat in my dining room for a week until my nephew and I carried it out for pickup by XXXX curbside recycling program on XX/XX/2019. I have affidavits attesting to this. The installation kit was not delivered, but not necessary since I was able to use the existing copper lines. I raised the complaint with BestBuy on XX/XX/2019, on BestBuy 's XXXX page -- their recommended method. I received an automated response but nothing else. I have a printout of this. I paid for the dishwasher in full, {$480.00}, when due. I disputed the {$52.00} charge for unfulfilled goods and services, in XX/XX/2019 with Citibank. Citibank rejected my dispute presenting a number of documents including a BestBuy / XXXX XXXX acceptance form with a forged signature. I never saw such a document, nor does the signature in any way resemble mine. I wrote Citibank dispute center on XX/XX/2019 by US mail and again on XX/XX/2019. Neither of these letters was responded to. In a conversation on XX/XX/2019 with a woman identifying herself as XXXX at the Tennessee Citibank dispute call center, I found out that the first letter was on file but never responded to. I got a call from XXXXon XX/XX/2019, that lasted 42 minutes. It resulted in the late charges being removed and I thought in the dispute being resolved, but the dispute remains! And late charges have again been applied. Subsequently, Citibank has reported my account delinquent. This is the first time in over 39 years of credit history I have ever had a credit card claim me delinquent. My FICO  score was above 800 last summer and has now plummeted to a low of XXXX! Obviously, Citibank has caused me harm. If I were to apply for a car loan, I would be charged a much higher rate. If Citibank even bothered to check, it would discover that my other two cards with Citibank -- LL Bean and Costco -- are always paid in full on time, as are all my credit cards.

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 2021-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates is an unlawful organization that frequently is sued for violating the FDCPA and The FCRA. Please not in 2015 the CFPB sued Portfolio for several violations resulting in a {>= $1,000,000} settlement. In my case I have asked for and NOT received required documentation under Section 609 FCRA, which requires certain documents to be provided to a consumer in the case of identity theft. Portfolio despite being notified in numerous occasions has failed to provide the required documentation under Section 609 FCRA to me at any point. The only thing they sent was a manufactured letter to an address I have never lived at. 

Please find a copy of my notice to XXXX, XXXX  and XXXX  that was also sent to various creditors where my identity has been assumed and derogatory items placed against my credit report. I am also attaching notices of various lawsuits filed against Portfolio for engaging in the same misconduct they are currently engaging in with regard to my personal credit file. 

Portfolio buys debts, they obviously can not produce the required documentation because of two reasons : I did not open this account and Portfolio does not have the required documentation under Section 609 FCRA and therefore the item must be deleted from my credit report since they can not and have not produced this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Sunlight Financial LLC
State: NV
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:
ON XX/XX/2020 i had a conversation with Sunlight Financial Services. They claimed since i already had existing credit with them that i would be approved. So while extending and adding to my solar system on my home currently they asked to run my credit due to a name correction and nationality correction. After they got my information they then said due to their standards they couldn't not give me a line of credit that i already have with them and ran my credit number or score down. They new this before it was ran because I've been emailing them information and calling them asking questions. They have discriminated against my nationality. Based upon that i age of majority and fully competent they wanted to lower my score making it difficult to get credit. They also saw my identification and used me wearing a Turban to make their decision when before they saw that photo they been doing business with me for two years. They have also placed an illegal lien XXXX XXXX on my property and have never mailed me a copy nor email me a copy.

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 2018-02-13
Company: Stellar Recovery, 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:
I disputed this debt with Stellar Recovery INC with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$18.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX XXXX XXXX  left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXX home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX XXXX are now also reporting to my credit as a new foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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: Old information reappears or never goes away

Complaint:
The account information unverifiable

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: 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 have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged into XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: AES/PHEAA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: VA
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 Sent my Dispute off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. .According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate ACCOUNTS LISTED BELOW 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have contacted Equifax and XXXX  about the unavailability of obtaining the reports. The customer service was no help, the chat function was no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Chase ( Washington Mutual ) customer for 20 years and have never received such disappointing treatment as a loyal customer. On XX/XX/XXXX I went into the Chase bank in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit my income state refund check into my account and make a withdraw. After being asked several questions by the supervisor XXXX and treated as though my check was fraudulent I was told that they would have to place a hold on my check until the following morning when funds would be available. Although a little unusual because I have never had this situation with Chase I was left with no choice. The following morning I received a Chase alert via the chase app that there was a hold on my checking account. I called chase bank where my call was forwarded to the loss and prevention department and was informed that Chase has to verify my check through the IRS website but the site was down. I later called the local bank where I deposited the check and spoke with a teller at first and asked anonymously on what grounds would a hold be placed on a check. She listed several reasons of which none applied to me. I then asked her to look into my case and explain to me why a hold has been placed on my check. Upon looking she sends the call to the supervisor XXXX who informed me that the check was going to be on hold until XX/XX/XXXX because the check was presented to another bank for cashing. I informed her that is impossible because I'm the only one who has had the check and I took it straight to the bank upon receiving it. I also asked her where was the check supposedly attempted to be cashed and she could not tell me. I called chase loss and prevention a second time and was told the check was flagged by IRS saying the check may bounce. In the same conversation she informed me that the check was presented to another bank for cashing. At this point I received 4 excuses as to why a 2 week hold was placed on my check. I also asked the representative from loss prevention for something in writing saying my check was presented at another bank because now I am worried that someone is possibly using my personal information and identity. She refused to provide me a written explanation. This is ludicrous. I would think being a loyal customer to a bank for 20 years I would be treated with some decency. I do not believe my check was presented at another bank or any of the excuses I was told. I have missed payments on bills that resulted in fees it is unbelievable. I am seriously considering closing my account and banking somewhere else. I have never even written a bounced check in my life. I can not see any reason that would warrant mistreatment as a customer from a bank I've had for so long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: HYUNDAI CAPITAL AMERICA
State: NV
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:
I HAVE REQUESTED THAT HYUNDAI MOTOR FINANCE TO PROVIDE ME WITH THE ORIGINAL APPLICATION THAT WAS SUBMITTED TO THEM FOR FINANCE FROM XXXX XXXX XXXX XXXX NEVADA, THE FORMER FINANCE MANAGER ADVISED ME THAT THE REASON XXXX XXXX IS NOT GIVING ME A COPY OF THE APPLICATION FOR FINANCE IS BECAUSE THEY FALSIFIED MY INCOME .I WAS ADVISED TO REACH OUT TO HYUNDAI MOTOR FINANCE FOR A COPY OF THE APPLICATION SUBMTTED SHOWING INCOME REPORTED BY THE DEALERSHIP. HYUNDAI HAS YET GAVE ME WHAT I ASKED FOR. I NEED TO SEE THE APPICATION SUBMITTED FROM THE DEALERSHIP WITH MY INCOME GIVEN. IF FAIL TO PROVIDE I WILL SEEK ASSISTANCE FROM THE ATTORNEY GENERAL OFFICE FOR ASSISTANCE. I AM ASKING FOR THE APPLICATION SUVMITTED FOR FINANCE AND NOT MY CONTRACT. I WANT THIS SUBMITTED TO ME ASAP ELSE I WILL INVOLVE A 3RD PARTY WHO WILL GET MY APPLICATION SUPONEA THIS DEALERSHIP FALSIFIED MY APPLICATION TO GET ME FUNDED FOR THEIR PERSONAL GAIN. I WANT HYUNDAI TO PROVIDE THE INFORMATION TO ME SINCE THE DEALERSHIP IS CLAIMING NO RECORDS AVAILABLE. AND AFTER IT S DETERMINED THEY FALSIFIED MY INCOME TO GET ME FINANCED FOR A XXXX CAR WITH A XXXX MONTHLY SSI INCOME I WAS TAKING ADVANTAGE OF AND JUSTICE WILL BE SERVED. I WANT HYUNDAI TO SUBMIT THE INFORMATION I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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:
Ive noticed some unauthorized and unverified inquiries on my credit report according to the FCRA these inquiries are unauthorized and unverified I would like them to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America withdraw {$3000.00} money from my XXXX debit card. 
On XX/XX/2020 my debit card from XXXX, issued by Bank of America was declined. When I checked my account, I noticed that there were 3 ATM withdrawals on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 for {$1000.00} each, and then bank suspended the debit card. I called the bank with the phone number on the back of the card at XXXXand told the customer service about it, he said I have to make a complain, and since it is Sunday you have to make a call on weekdays at this number XXXX the claim department. I called Monday morning and after 1 hour and 37 minutes on hold finally someone answered and after so many questions of me and my account, he transferred me and again 45 minutes on hold someone answered and the same questions again and he trained to someone else and again questions and finally after 3 hours and 34 minutes I was able to fill a claim and they give me a claim number and told me they going to send me a new debit card in 7 to 10 days. 
On XX/XX/2020 I received a letter from Bank of America that said my claim has been closed. I called again and after almost 2 hours on hold someone answered and she said that I have to write a letter to request to reopen my clam, and request to get the ATM camera footage. I send and faxed the request on XX/XX/2020. 
I waited till XX/XX/2020, and called to find out about the status of the claim, after 1 hour and 47 minutes on hold finally someone answered and she told me that because I did not escalation my claim it is not active yet, so she transferred me again and after 45 minutes they did it. 
I called again after 3 weeks on XX/XX/XXXX, and again I was on hold for almost two hours they told me I have to wait, it takes 3 months for answer. I asked about hold time, she said our claim office is in Florida and since you are in California you have to call XXXX XXXX, and we have lots of claim and not much personal to answer soon. I called again on XX/XX/XXXX, at XXXX XXXX, and after 25 minutes on hold they told me I have to be patient and wait, I told her about my situation, and that this XXXX money is my only source of income, and its XXXX time, and I have bills to pay, she said she making a hardship note on my claim and I have to wait. 
Today is first of XXXX and I am still out of my money that Bank of America took from my account. I do not trust Bank of America. 
Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27
Company: Conn's, Inc.
State: TX
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:
" Conns XXXX Inc '' has reported false and inaccurate information to the credit bureaus with claims that I owe a debt of {$3300.00} on the date of ( M/Y ) XX/XX/XXXX along with the false and inaccurate claims that I've opened an account with them on ( M/Y ) XX/XX/XXXX. I have never owed such claimed debts to Conns XXXX Inc. 
Conns XXXX Inc has no records or supporting proof that would link me to such debt. Conns XXXX Inc is unable to provide any proof beyond a reasonable doubt that would link me to this account they are reporting to the credit bureaus. 
In addition, Conns XXXX Inc is knowingly reporting an inaccurate address that I've never lived at, that is in a completely different state than what I do live in. 

Conns XXXX Inc has received an Identity Theft Report in XXXX of XXXX and as of XX/XX/XXXX has multiple FCRA VIOLATIONS. 
Each of those violations will be pursued in State Court.

Company response to consumer: Closed with explanation