BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: General Motors Financial Company, 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:
Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest amount of a {$570.00} loan was over 500 %. I ended up paying over {$3600.00} for a year payback amount.I need to know if this interest amount is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: PA
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 Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Is it that hard for the Credit Bureaus to remove the disputed Items from my Credit File? I have been sending letters to the Credit Bureaus to requesting the removal of the inaccurate personal information and Fraudulent account from my Credit Report. But despite all my extended effort to have the Credit Bureaus respond to my letters, I came to a realization that the Credit Bureaus have been ignoring my letters as well did not comply with the Fair Credit reporting Act section 605b. The Credit Bureaus continued reporting the disputed items on my Credit report without proper verification. The following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, are items incurred due to identity theft and must be removed from my Credit Report. If the Credit Bureaus claim that the Items belong to me, I will need the Credit Bureaus to provide me with copies of documentation which bears my signature to support the Credit Bureaus ' claim. If the Credit Bureaus can not provide me with documents I am looking for, I would greatly appreciate it if the Credit Bureaus would immediately remove these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}.

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 non-monetary relief
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent a 609 letter and it has been 30 days since the company responded. They have not showed me proof that 2 XXXX accounts that are closed/in collections are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Barclay carnival mastercard ( big mistake XXXX to pay for a speing break vacation in XXXX florida at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  through XXXX booking hotel website. for dates XXXX XXXX XXXX amount of XXXX. The hotel closed before my arrival dates due to XXXX closing reference COVID-19. the hotel was not open on my said dates and I had to cancel. I called XXXX who advised me to have hotel maingate call them to verify closing of hotel which I did but hotel said they never call companies ever the company can call them so I called company back and now they told me to submit a written request on chat which I did and all my requests were deleted I didn't get refund I called Barclay to file complaint after found a website claiming XXXX is a fraud and a scam-there is now articles all over news about them scamming people for money. Barclay will not help ie mailed the resident of Barclay who also stopped responding to ym emails- they did say they would investigate but came back and said XXXX disputed so wouldn't refund money than I got an email after that from president of XXXX saying yes I am due a refund of total amount back to my card I submitted that back to Barclay along with an email rfom hotel probing there were no charges for me on my folio since I didn't go and everytime I call Barclay to follow up they don't give m e info they say they still investigating they wont tell em anything or help me and presiden wont email me backj I have received no letter and its been past 45 days I want my refund back for XXXX other people in the scammed XXXX groupo are getting there money abck from their banks seems Barclay is the only credit card giving their customer issues

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 2020-12-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is complaint about PayPal. I purchased " XXXX XXXX '' sunglasses on XX/XX/2020. It was supposed to arrive 7 days later. The glasses arrived over 2 months later on XX/XX/XXXX from XXXX and it was a counterfeit - cheap plastic fake counterfeit that was defrauding me as a customer and XXXX XXXX as a company. I contacted PayPal and initiated dispute ( XXXX ) to cancel the payment because it was a fraud and counterfeit and not what I ordered and not what was advertised by the company. After prolonged " investigation '' by PayPal they advised me that the XXXX company generously offered " full refund '' if I ship their counterfeit fake product back to them AT MY EXPENSE, which will cost more than {$70.00} to send back. I consider this " offer '' an insult. Because I refused to send the counterfeit product at my expense, PayPal denied my request for refund and closed my dispute. I think PayPal is aiding and abetting in fraud being perpetrated on American consumer by this criminal XXXX company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX of 2017, Bank of America closed our account after we had been a customer with them for 30+ years. They advised us that they were no longer interested in having us as a customer. 

Today, in our mail, I received a solicitation telling me that my credit is great and that I have been " preselected '' for a credit card. 

This is very confusing and upsetting. Last summer caused my husband and I financial and emotional hardship having to deal with switching banking institutions and now they are reaching out to me asking me to be a customer? This should not be allowed.

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 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I need to file a complaint against Bluebird by American Express. I have had an account with them for years and use this company as my main bank. Since XX/XX/2020 I have been drawing unemployment due to COVID-19. Every week I have my benefits direct deposited to my bluebird account. Last night XX/XX/XXXX after receiving my benefits my account was immediately suspended and I got an email saying that I violated section 22 ( d ) of the Bluebird Membership Agreement. I called Bluebird customer service and because my phone number is linked with my account, I got a recording saying that my account was permanently suspended then the call disconnected. I decided to call from a different phone number and a CSR advised me i would have to call the Fraud Department during business hours Mon-Fri XXXX. So the next morning XX/XX/XXXX, I called the Fraud Department and was told that because my deposit didn't match the account or didn't have sender information my account was suspended. I asked if I could take the rest of my money out of the account and was told my account was locked and I would have to wait 1-2 business days for corporate to decide if they want to keep my account locked or reopen it. I have my entire livelihood, savings, bill money, everything in this account. I just happen to be in the process of buying a house on Friday this week and NEED my money to do so. It can not be legal for them to steal my hard earned money and keep it from me. I can't control how ADWF sends my benefits but that doesn't give Bluebird the right to take access away from the rest of my funds. They can have the account, they can investigate the government deposits that thousands of Americans are receiving, but the rest of the money in the account is mine and I want it transferred to another bank immediately. 

I would like to speak with someone regarding my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 received a notice from a credit reporting agency that my credit score had gone down, twice in one week according to credit reporting agencies. On the day that I submit an application to rent a home my credit report dropped 32 points the same day. Trans union is using an account that I have never been late paying and always pay it off in less than 30 days. I never carry over a balance. It is an XXXX MasterCard that I use when shopping online to protect my bank account numbers due to identity theft problems in the past. Trans union, twice has reported this account as one that is carrying a balance more than 30 days and it is severely affecting my credit score.

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 2020-05-20
Company: EQUIFAX, INC.
State: LA
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:
There are old items still effecting my credit score. Regardless of exceptional payment history, the Equifax and XXXX scores never increase to the accurate scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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 {$1400.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -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 2023-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have received 4 different payment histories for investigations on XX/XX/XXXX I received a different payment history that says I made payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX. Previously I had a different payment history that stated I made payment on XX/XX/XXXX and I did not make payments on XX/XX/XXXX or XX/XX/XXXX. The information furnisher for the investigation on XX/XX/XXXX was a completely different stating payment was received on XX/XX/XXXX states payment history of payment made on XX/XX/XXXX but not XX/XX/XXXX. I have had a total of 4 different payment histories from this furnisher and fail to believe the account is accurate and complete. The also say individual and joint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon applying for a mortgage loan I reviewed my credit report and noticed several inquires that I did not authorize.

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 2020-05-20
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RENTDEBT AUTOMATED COLLECTIONS has not provided proof of my obligation of this alleged debt as requested and continues to report this trade-line to XXXX. This is creating major issues for me such as high inrerest rates, lower credit scores, job declines, and application rejects for outstanding balances owed, for me and my small children, which one have a severe XXXX, during a world-wide pandemic. 

I disputed this account on XXXX and XX/XX/XXXX of this year on my XXXX, XXXX , and XXXX credit report to no avail. I also disputed directly within RENTDEBT AUTOMATED COLLECTIONS on XXXX XXXX and XX/XX/XXXX of XXXX. To date, RENTDEBT AUTOMATED COLLECTIONS continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? what documents did they use to verify? Where are the documents used to verify? 

This only correspondence that i received was information about opening date, charge off date, billing statement, and a copy of an application. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that RENTDEBT AUTOMATED COLLECTIONS knows they can not tie me to this account, otherwise, they would have done so when i made my initial request. RENTDEBT AUTOMATED COLLECTIONS is blatantly disregarding the law.

Company response to consumer: Closed with explanation