BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
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:
My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX   XXXX / XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX / XXXX XXXX XXXX   XXXXXX/XX/XXXX XXXX. XXXX / XX/XX/XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX / XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX / XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX # # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Please delete and block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my credit report received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called XXXX XXXX that XXXX and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my 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 explanation
Consumer complaint received 2021-02-28
Company: AMERICAN HONDA FINANCE CORP
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:
XXXX is reporting a negative mark on my credit on a tax value bill on a car that was payed off in XX/XX/2020. After contacting them they stated that attempts through call and mail were made. I never received a voicemail notifying me of a call back. Mail has been extremely delayed for me due to the pandemic and notice of the balance was received after the negative mark was placed on my account. Sad part is I bought another car for them. This has been the worst communication a lender has showen. Ive never missed a payment on any of my account. When trying to come to a solution, they just didnt care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX  XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. XXXX, Equifax, or XXXX has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2018-09-27
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:
TransUnion is reporting that I am an authorized user on a XXXX XXXX credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.

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 2018-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Dear Sir/Madam, I used my Bank of America ( BOA ) Credit card bought one AC through XXXX website in XX/XX/XXXX. But I was charged 3 time for this same transaction, the amount was {$270.00}. I called back and XXXX gave me one refund and told me the other one should be given back to me from BOA. After called BOA, BOA gave me one refund. I thought the case was over. Later BOA sent me a letter asking me to check if this is a duplicated refund BOA would take it back. My understanding was that the investigation was still going on and if BOA found this was a duplicated refund, BOA would take it back. After i sent back the letter, BOA took back the refund they gave me, and told me that i confirmed the refund was a duplicated one with that XXXX gave me. This was not correct at all, since i still paid 2 time for one device. I contacted BOA credit card claim department many times, but they refused to correct the error. The reasons they gave me changed each time i called them. For example, they said that the dispute was expired, or that i had signed and confirmed the refund was a duplicated one, or asked me to contact the XXXX. 

I have been asking is just to correct the errors and refund me the duplicated charge made by BOA visa. It is not something extra. My request is fair and reasonable! The Visa company should treat customers honestly and fairly! 

We are very disappointed with the BOA visa service about this problem. I can not believe a big company like BOA Visa card can made such errors and even if they knew that the error was there, they refuse to correct the error! BOA Visa service should correct the errors made on my credit card charge. 

Thanks for your attention and hope yo can help me to resolve the problem. 

Sincerely, 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 2020-01-28
Company: I.C. System, Inc.
State: NJ
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/2019 I sent a debt validation letter to I.C. System requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. System has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b.

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 2017-12-17
Company: U.S. BANCORP
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:
US bank XXXX XXXX 2017 I thought this was resolved I paid this balance off

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 2019-05-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I had called Chase Ultimate Rewards ( XXXX XXXX XXXX ) to cancel my round trip flight to XXXX and re-book a one way ticket. I was told that there was a residual value of {$120.00}, and that that I could call Chase Ultimate Rewards to redeem for future airlines ( my boyfriend had a value of ~ {$450.00} leftover as well but this is connected to a different card ). The representative stated that I had until XX/XX/XXXX to use the credit with any XXXX flight and provided me with the customer service number to call when I was ready to redeem. 

I spoke with a representative on XX/XX/XXXX in regards to booking a flight using my residual value of {$120.00}. She said I could not use the value to book any future flights ; when she could not help me any further, she filed a complaint for me. She was very rushed and did not explain anything to me. She said someone would contact me within 5 business days.

It had been 6 business days so I contacted Chase Ultimate Rewards again on XX/XX/XXXX. I spoke with XXXX ( who was very helpful ). At first she had difficulty finding my itinerary, however found it in the Chase system using my confirmation code. XXXX contacted XXXX to book my flight using the residual {$120.00}. A supervisor at XXXX said it is their policy that they don't accept residual values as credit towards future flights, and that the leftover money can not be used for any future flights. XXXX told me there was nothing else that I could do and that my {$120.00} and my boyfriends ~ {$450.00} were unable to be redeemed. 

I feel that as a consumer, I was misled by the representative that I spoke with on XX/XX/XXXX. As a result of her lack of knowledge regarding XXXX XXXX booking policies, my boyfriend and I lost ~ {$570.00}. As a customer service representative for travel booking, one should have adequate knowledge of different airline policies when advising the customer. If we had been provided the correct information, it may have affected our decision to change our original flights ( thus, we would not have lost the " residual money '' aka NCO ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: 1st Franklin Financial Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 20 inquires back to back starting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. 

XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.

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 2021-03-26
Company: EQUIFAX, INC.
State: WA
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 I checked my Equifax score it was XXXX I checked it again 4 days later ( I have paid off bills and I am waiting for them to hit my credit report which at this point they had not ) NO significant change happened in those 4 days yet my score dropped XXXX points. And I can find no way to contact them directly to ask them why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received letter from XXXX XXXX of transfer of servicing to Nationstar. Received letters from Nationstar on how to make payments to their company. Trying to make this payment was a joke. Kept transferring to a XXXX XXXX saying they had bought Nationstar. NO letters indicating of this transfer! We were concerned this was a case of fraud since we had not received any paperwork. Tried to make a online payment were going to charge us XXXX for making a payment. Tried going into XXXX XXXX using Nationstar loan number it does not exist. This is a mess having to go to the postal service to mail a payment and having it certified because I DO NOT TRUST THIS COMPANY. Also do they charge XXXX to speak to a rep as indicated on the paperwork! I 've never been late on a payment this is the worst servicing company!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DEAR SIR OR MADAM : TOYOTA MTR ISSUED AN AUTO LOAN ON XX/XX/ IT WAS SUPPOSED TO BE CATEGORIZED UNDER MY BUSINESS CREDIT. XXXX XXXXXXXX XXXX. HOWEVER, AS NOTED IN MY CREDIT REPORT, IT WAS FILED UNDER MY PERSONAL CREDIT BUREAU. 

IT HAS PREVENTED ME FROM GAINING EMPLOYMENT, RENTING A NEW PLACE, EVEN GETTING A SECURED CREDIT CARD. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
A balance is reporting on my XXXX XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with XXXX  XXXX XXXX and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Sequium Asset Solutions, LLC
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:
submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX  - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} acct # XXXX SeQuium XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX  XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I paid my rent online through US Bank * ( {$1800.00} ). On XX/XX/XXXX I charged {$25.00} for gas, using my US Bank Debit card ( same account ). I left town for couple weeks. I returned and checked my account online. I noticed I was overdrawn. I went into the branch where I have had my account for 5 years. XXXX the manager told me she would reach out to XXXX who would be able to assist me. I complained about my balance being {$150.00}, and requested assistance. I checked back, but was told XXXX was out until the next week. I left a message with XXXX to get some help. XXXX called me back at the end of the week explaining XXXX would return the following Tuesday from Vacation. The next week I spoke with XXXX who told me they could do nothing. I received a final bill of {$240.00}. 
I am complaining because this was a debit card, it should not have been charged in the first instance ( XX/XX/XXXX ). I was thinking the branch manager would assist me, but then she was not able to help and by the time this all passed my account got closed and I went from a {$25.00} error to a {$250.00} fee.

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