BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX   XXXX, XXXX, FL 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 2020-10-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Greetings, I am a customer of XXXX, CitiBank and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. Thank you, 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 2020-07-18
Company: EQUIFAX, 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:
I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a Student. I never use my credit or have I given any one Consent to open any account on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Incomm Holdings Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX I almost lost {$900.00} dollars to a scam. I realized it after I gave them the card numbers. I quickly called Vanilla Mastercard, to cancel the cards. I asked for replacement cards and they said it would be about two weeks. The cards never came. I called them again on XX/XX/XXXX. Then they told me It would be 30 days and they said they put in for the cards for me, I waited five weeks and still no replacement cards. I called them again after 30 days and they told me they had just been sent out, and that they send them out AFTER 30 days had passed. It is now XX/XX/XXXX and I still have not received my replacement cards. I am a XXXX veteran on a fixed income, I can not afford to not have these cards. I was unable to pay my XXXX rent because of this scam as it is. I am seeking assistance from a veterans resource to pay my back rent because I don't have the money. If I get these cards I can pay bills with them and start paying my back rent. I am, however, not able to get cash off of the cards, but paying bills with them will free up some money for me. The two cards were a total of {$900.00}, {$400.00} on one and {$500.00} on the second one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
To whom it may concern, On XX/XX/2020 my BOA unemployment benefit card was declined. I believe the account was closed due to a fraud claim I submitted and BOA rejected the claim and closed it. I then asked them to reopen the claim and reconsider being that the amount was nearly {$400.00} and it was clearly fraud. The transactions were under very strange codes. Well I never heard back from BOA and next thing I know my account is closed with nearly XXXX in it. I then called customer service and was told my account had been closed with no notice nor warning to allow me to withdrawl my funds. I have tried calling numerous of numbers, stayed on hold for hours just to be hung up on. It has been over a month and still no letters no check with my remaining funds nor an explanation as to why it was done. No answers nor assistance. My unemployment has also been messed up and I am now dealing with being evicted, unable to pay any of my bills during this pandemic. If someone could please help me with some sort of guidance as to how I can solve this issue as soon as possible. 

Much Appreciated

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 2019-08-20
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: Information belongs to someone else

Complaint:
XXXX XXXX AND XXXX XXXX HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.

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 2020-09-06
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
I haven't been able to pull my Experian report online or recieve my credit score online since XX/XX/2020. I have had endless conversations with Experian with no results. I even have a membership with them. They said they would have their IT department call and email me and they never followed through. I need to know what my score and the information on my report.

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 2019-03-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name Is mr. XXXX residing in XXXX XXXX, XXXX. Somebody got into my Chase acount and depositors {$450.00} dollars and sent some quick pay XXXX thing to XXXX. The acount closed and became restricted I called and they said it shows it opened with my IP address and was done from my phone the day before I had XXXX to my name and {$290.00} direct deposit on XX/XX/XXXX by XXXX XXXX XXXX so that went all into review why would I quick pay when I have virtually no money. They are going to close my acount in 6 days and I did nothing. This guy XXXX from the fraud department said I cant do anything and was rude and blunt. He said my relationship will end. But I called the number in the letter I got and called the number and talked to XXXX he got me the funds located to the branch and I got it and XXXX said that was not possible even though on XX/XX/XXXX I was told it was. I would also look into XXXX because he gave me false information that caused distress on me. But really Im an honest guy and I would love to continue to bank with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON TRANSUNION AND ACCOUNT # XXXX XXXX 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.

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 2018-04-02
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: Account information incorrect

Complaint:
On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on Transunion and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.

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 2020-05-15
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I contacted Online Information Services demanding the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act Online Information Services refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: DE
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:
The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.XXXX Report#XXXXXXXX XXXX XXXXXXXX,TX XXXXXXXX XXXX XXXX file#XXXXXXXX XXXX XXXXXXXX,PA XXXXEquifaxXXXX XXXX XXXXXXXX,GA XXXXXXXX XXXX account#XXXX Charge off balance $XXXXXXXX account#XXXX  charge off balance $XXXXXXXX/XXXX account#XXXX  charge off balance $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
hello how are you I have student loans and it was very expensive to pay back I try to get loan forgiveness but they did not take the payment to close the loan please contact me because I have trouble with the bank and I have a deceased relative I donot know who is watching with the story it is not a good experience the people get in the house and I have a relative in a XXXX XXXX  they would not release the patient

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Experian. 
This account needs to be removed. This is from 2008. It is 12 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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: Account status incorrect

Complaint:
ACCOUNT IN ERROR. 

XXXX Account # XXXX XXXX  and EQUIFAX have falsely claimed Missed payments that are severely damaging my credit score and reputation! 

This account has been closed since XXXX. 

Since there is no pay date or pay by due date for this account, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, due to refusal to remove the account, I have since received a letter from XXXX stating the account is in good standing and is Paid In Full! 

I have attached a letter from the XXXX XXXX XXXX XXXX as proof of the above mentioned statements. 

To this day, XX/XX/XXXX, XXXX still has a balance showing and is still reporting Negative! 

I have also attached screenshots from my latest updated XXXX  account from XXXX showing how XXXX is still continuing in fraudulent activity by falsely claiming a balance on this account as well as false Negative payment history claims!

This fraud is severely hurting my mental and financial well being, especially during this pandemic!

I NEED this account COMPLETELY removed from both XXXX  and EQUIFAX expeditiously!

Thank you for your compliance in regards to this request of dispute of any and all account errors!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going over my file and I noticed that there are still several errors and inaccuracies on my file. 1. my name is XXXX XXXX XXXX XXXX please remove any other names or spellings. 2. My addresses is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a unverified account that I have requested several time to be removed due to no response of 90 days FRCA violation and FDCPA violation as well 609, 805, 611.

Please delete the follwing account the are not correct : OHIO DEPT OF HUMAN SERVICES CREDIT COLLECTION SERVIC # 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 2020-10-29
Company: EQUIFAX, INC.
State: NC
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:
These inquiries were disputed on XX/XX/18 with no response. They should be deleted per the FCRA guidelines. I have waited more than enough time. Just an FYI, these inquiries were deleted from my XXXX File.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a certified letter to loan company Republic finance XXXX SC and asked them to not contact myself or my father regarding his acct. last month I called to ensure they got it and manager XXXX states they did. My father has XXXX and XXXX   causes his XXXX XXXX go up and he gets sicker. I received another certified letter from them today about what is due on his account. They are harassing us and this has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
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:
These are not my accounts. Please remove them.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: NY
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 tried to get my free annual credit report from XXXX. XXXX worked. However, Experian and XXXX do not honor my request even if I am answering the questions correctly. I have called their number many times but was never able to get through to a real person and the automated system was not able to identify me. I have also gone to their website directly to order my free report and that did not work as well. Also, given XXXX is a breached, insecure and unethical entity I hesitate to mail them a copy of my SSN and driver 's license etc. I have locked my credit with all three credit bureaus. I am merely interested in getting my free credit report.

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 2020-05-15
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 Concern, On XX/XX/2020 I noticed Transunion says i didn't pay a debt but XXXX has stated I paid in full which ill send you guys that so that transunion can update there records.

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