BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I contacted XXXX, XXXX and TransUnion via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed 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 explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I feel like my car loan has a super high interest fees and would like for someone to check this out on my behalf please. ive been a member from 2018 till now.

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 2021-05-19
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:
I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section XXXX a ) ( XXXX ) ( B ) ( ii XXXX, you are required to notify me of the reinsertion in writing XXXX business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's XXXX and the BBB. Please govern yourself accordingly

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 2023-02-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I HAVE BEEN RECEIVING CALLS EVERY DAY SINCE XX/XX/2018, I REQUESTED THE ON EVERY CALL TO CEASED AND DECEASED PHON CALLS ACCORDINLY TO THE RIGHTS BY FDCPA. PREVIUSLY I REQUEST THEM TO STOP THE CALLS AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: C.Tech Collections, 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:
I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Applied and approved for th e Citi AAd vantage Platinu m Select Card o n  XXXX   XXXX ,  2017 . The promotion was receive  XXXX  AA miles if I spent {$3000.00} within 3 months of card approval.     Received an email  XXXX   XXXX ,  2017  stating the card had been returned in the mail. Have been receiving other mail at the address normally with no issues.     On  XXXX   XXXX ,  2017 , called int o Citi Custo mer service and asked to have card expedited due to delay, but request was denied citing new credit card accounts can only send the initial card through normal mail. I was then told another card would be sent with normal mail i n 7-10 busin ess days.     Called back aft er 10 bu siness days, on  XXXX   XXXX ,  2017  to see why I had not received a card, and it turns out a card was never actually sent out from the previous call. Once again I asked for the card to be expedited due to the fact it has been an entire month and was once again rejected. Only offered a measly {$10.00} as compensation.     Received another email  XXXX   XXXX ,    2017  saying the card was returned again. Again, I have been receiving other mail normally at this address. I c alled in and decided to change the address to a different one, and escalated to call center manager who verball y agreed to have the card sent with overnight mail, and verbally guaranteed I would have the card at the new address by  XXXX    XXXX   EST on  XXXX   XXXX . I asked for an extension on the spending requirement timeframe for the signup bonus as I have not received the card halfway through the 3 month time window. Was denied a time extension. Was given  XXXX  AA miles as compensation of delay.      XXXX   XXXX ,    2017  I checked the new mailing address and no card was received. Called again to call center and escalated to call center  manager  named  XXXX  with ID #  XXXX .  XXXX  states that the card was sent out via standard mail on  XXXX   XXXX ,  2017  NOT overnight. Blatantly lied to by previous call center manager.  XXXX  said the card should arrive at the new address  in 7-10 busines s days.  XXXX  also denied my request to extend the signup bonus spending time window. This would mean fo r 2 out of the 3 months of the signup bonus time frame to hit the minimum spending requirement will have passed and I would only have one month.      Asked  XXXX  for further compensation and was denied citing I was already compensated with {$10.00} and  XXXX  mil  es.
Citi 's refusal to provide the card in a timely manner and refusal to extend the 3 month time frame to meet the minimum spend  ing requirements for the signup bonus is fraudulent advertising.

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 2020-10-03
Company: The Thomas Agency, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was seen at XXXX hospital for a emergency. My insurance company covered the visit 100 %. I received a bill for XXXX. I called them gave them my insurance again. Then heard nothing again for awhile then bills started coming again. I kept calling in my insurance information. Finally they sent it to collections without giving me the right to dispute the charges.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I have submitted dispute documents for those unknown and inaccurate accounts on my credit report. I was a victim of the XXXX  data breach. I demand to immediately delete those accounts on my credit report or I will file for litigation.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: CO
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:
Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Im stuck financing a car with a XXXX % interest rate because i didnt know to much about interest or value or cars back then now that i know i want to get out of it within the last year I 've paid {$4800.00} in interest amd little to {$800.00} towards the princlple ... Dealerships tell me they cant buy my car until I pay {$5000.00} towards the interest I paid {$15000.00} towards the car and currently at {$14000.00}. I do n't have the money to keep making the $ XXXX monthly payments so was thinking of going to a side dealer, they told me they 'll give me {$7000.00} because thats what they could buy it at the auction for. This would leave me with the negative balance of {$7400.00} to pay back ontop of what theyll give me XXXX {$9000.00} Car im looking into ). I considered this option to see of it 'll get me out of the deal with this terrible interest rate im literally stuck with this interest rate and high payments to where i cant even pay extra towards the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On or about XXXX XXXX, on a flight from XXXX to XXXX, I used the Chase Southwest Rapid Rewards Priority Card to obtain an upgraded boarding position as I am entitled to four per calendar year. Due to the Chase " system '' two of the four were improperly used by the Chase system violating the term of agreement wherein I am entitled to receive 4 upgrades. Due to an error in the Southwest system, the wrong leg of my flight was upgraded and I immediately notified Southwest. They apologized and said that it was an error but that they could not do anything about it. I notified Chase that the charge was invalid as Southwest admitted that it was their mistake. Chase put the amount in dispute. I noticed, within a few days, Chase posted a credit to my account and I believed that was for the dispute. In reality, that was the system using up one of my four credits per year. After Southwest read my e-mail, they agreed that it was completely their fault and they issued a credit refunding me for my purchase. Chase, seeing that the amount I had disputed was credited to my account, went ahead and rebilled the original charge and the system then credited me for the rebilling of the original charge, using the second of my four free upgrades all because the Chase system messed up - twice. On my XX/XX/2022 billing statement, I ended up paying for the rebilled credit despite the fact that the net sum should have been zero dollars- and NONE of my upgrades being used. I asked Chase why I was charged for an amount that the biller refunded and Chase said it was because Chase and Southwest both paid me and that I they were charging me for the extra amount they credited me due to the dispute. I disagreed, but the card was on autopay and Chase refused to put the overcharge from them in dispute despite my not owing them since they rebilled me. However, they also used two of my four upgrade credits as well which means I basically paid three times for an upgrade I did not use. I only found out about this when I saw that after ACTUALLY using two of my four upgrades, Chase stated I only had one left and the second one was actually my fifth. Over the last month, I have been going back and forth with Chase asking them to audit their system and see that they actually have improperly taken {$120.00} from me - wrongfully using 2 upgrade credits and also charging me for an upgrade I did not use and that Southwest had refunded me. Rather than helping me and honoring the terms of their agreement, the least message I received said they would no long reply on this issue despite the violation of their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax ha s disabled the ir online dispute system and provided a phone number to call in its place that is only for ordering a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Portfolio Recovery Associates LLC. They claim I owe them {$3500.00}. 
I sent two letters certified mail. One on XX/XX/2020 and the other on XX/XX/2020, requesting this company send me validation of the debt. I included a copy of my photo identification as well as a copy of my social security card. I asked them to send me validation of the debt and asked them not to contact me anymore if they did not furnish me with the necessary information. To my dismay, they did not send me any validation, however they continued to send me letters confirming they were in receipt of my correspondence and wanted me to furnish them with my contact information and reason I was reaching out to them. I did that twice and they disregarded both letters I sent certified mail. 
I also disputed this debt with the credit bureaus and was told by them they validated the debt and the negative information would continue on my records. How can the debt be validated by the credit bureaus when the company refused to validate it with me ; and after I requested validation twice, by certified mail?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reached out to XXXX, XXXX and equifax about XXXX XXXX  saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems XXXX and XXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX Account number. XXXX. XXXX XXXX services Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( reporting to XXXX, XXXX and Equifax ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions Inc.
State: NV
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:
THERE ARE INACCURATE INQUIRIES ON MY CREDIT REPORT I HAVE ALREADY DISPUTED WITH THE CREDITORS ADVISING I DID NOT GIVE THEM PERMISSION TO PULL MY CREDIT REPORT. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018

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