BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21 TransUnion was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report. TransUnion failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent TransUnion a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed. I also attached my consumer report and labeled 11 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to TransUnion nor did I receive and update on the adverse items that should have been excluded from my consumer 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 2019-02-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my account with Chase on XX/XX/XXXX. 
My account was in good standing and paid on time. XXXX credit report attached. 

Chase billed me for {$81.00} for the annual account fee. Statement showing due XX/XX/XXXX attached. 
{$81.00} Bill paid on XX/XX/XXXX Chase closed the account on XX/XX/XXXX. XXXX and XXXX statements attached showing $ XXXX balance. 

I called them in what I believe was early XXXX after having received a check from Chase for {$81.00}. They told me to cash the check and fax a written reply to request reopening of the account to their Correspondence Team at XXXX. 

I deposited the {$81.00} check in my checking account as instructed in approximately XX/XX/XXXX. 
Having noticed that my account still showed closed, on XX/XX/XXXX, I requested automatic bill pay in the amount of {$81.00} to Chase. Chase did not accept payment, see XXXX XXXX  payment history attached. 

On XX/XX/XXXX, I faxed the Correspondence Team to request reopening my account and notified them of incoming {$81.00} on XX/XX/XXXX. 

After seeing that the status of my account was still closed after the XX/XX/XXXX request, I forwarded the same XX/XX/XXXX request again through their secure correspondence message system on XX/XX/XXXX. 

They notified me in writing on XX/XX/XXXX through their messaging system that they would not reopen my account. 

Account remains closed effective today XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Medical Society Business Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Collections Systems. INC. is attempting to collect an alleged debt of {$17.00} After the alleged debt has already been paid in full to the original creditor XXXX XXXX XXXX on XX/XX/XXXX ( Receipt Attached ). I did not receive a letter from Specialized Collections Systems. INC. until XX/XX/XXXX nearly a week after the debt was paid to the original creditor. Their notice was sent to me after the original creditor was paid. A debt dispute letter was sent to Specialized Collections Systems. INC. via USPS certified mail ( attached ) on XX/XX/XXXX along with a copy of the Receipt showing the debt was paid in full. Disclaimer : This information does not show I agree to the validity of the alleged debt being claimed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 no affiliation with these creditors and I did not make this inquiry.

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 2021-11-01
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Pursuant to XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: MoneyLion 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

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 2021-09-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is currently reporting an address on my credit report that is not mine. The address is also attached to a fraudulent XXXX account this is not mine as well which is currently hurting my credit negatively. I did not authorize Experian to publish the address on my report that I am not affiliated with.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-29
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2019-08-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount that the company says that I owe is incorrect. The amount owed is {$4200.00}. I requested that Santandar come to get the vehicle as I was not able to continue paying for it. This company have fraudulently represented themselves and refused to send over the agreed-upon original contract for me to review, in fear of a legal proceeding. Additionally, the company charged the vehicle off, therefore, I can not be behind in any car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX I called care credit to inquire about " card security '' fees. I signed up for care credit in XXXX and never have authorized this card security fee. I asked the representative on the phone if she could pull to where I signed up for this with an written authorization and signature and she said I signed up for it online on XXXX with my application however I do not recall this. 

I noticed it today because my autopay is on and I signed in and my amount charged for services has NOT gone down because of these fees! Every month I am paying and it is not doing anything because of this card security fee I did NOT sign up for! 

The representative said she could cancel the card security fee immediately and issue a refund of {$150.00} however there are over {$600.00} in these card security fees spanning XXXX as XXXX I had {$320.00} and for XXXX {$13.00}. She said they were only able to refund the {$150.00} and that I couldnt do anything more to request the full amount to be refunded. I am unable to see the XXXX fees because my statements do not go that far back. This does not help all the other months of charges that were wrongfully charged and scammed me I asked if she could escalate this to get these fees refunded and removed. I am officially making a complaint because this company did not get my authorization to sign up for the card security fee via a signed signature or written statement. If I had not logged in to check i would have never noticed. This is a scam and I do know this company has lawsuits regarding this. I want the full amount refunded.

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 2018-04-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit card with AMEX because I used it at XXXX. XXXX   decided to terminate the relationship with AMEX and my AMEX account was closed. XXXX  sold the list to Citibank who sent me letters telling me to sign up for a XXXX XXXX   credit card.

I did not sign any forms with Citibank and now they are attempting to collect money from me. I have never charged anything, I do not have a Citibank card. Their charges are from their annual fee and interest.

I have written to Citibank several times and they do not answer.

I get calls daily from a Citibank robo caller.

I hate Citibank.

I think this is like XXXX XXXX opening accounts without permission.

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 2017-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-01-28
Company: LEXISNEXIS
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For 46 years, I had been a customer of XXXX XXXX for vehicle insurance. Last year my rates spiked. I switched to XXXX and they were cut in half. The result of the uncoupling was that my home insurance almost doubled at XXXX XXXX. My XXXX XXXX agent recommended that I add an old vehicle to my account. I did, a XXXX XXXX XXXX XXXX XXXX. I asked for liability only and was quoted {$1000.00} annual! I responded that driving costs had really gone up and the agent said that it was because I had reported 4 accidents in 5 years. 3 of those accidents on my Lexis Nexis report were for a vehicle that I sold XXXX, a XXXX XXXX XXXX. The first accident was XX/XX/XXXX with a XXXX collision claim. The second accident was XX/XX/XXXX with a XXXX collision claim, and the last was XX/XX/XXXX with a XXXX claim for physical/property damage. The claim that I own was a hit and run complaint that I filed with the XXXX County Police. This was for my XXXX XXXX XXXX. I called Lexis Nexis and they refused to provide me any info over the phone, instead referring me to something called the XXXX XXXX. They were supposed to call me within 24 to 48 hours. They have yet to call and it has been 72 hours. I asked what would happen if I was not available to answer the phone and they said a message would not be left and that the process would start all over again. I would have to initiate that process. I know today that I am being overcharged for insurance and that Lexis Nexis has too much power, is too opaque about how they operate, and has no interest in addressing consumer concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XX/XX/XXXX, I contacted Bank of America and spoke to XXXX in XXXX & XXXX cards and asked her to cancel XXXX XXXX credit card. She told me she did this. 
On XX/XX/XXXX, I saw there were charges on XXXX card, and I contacted Bank of America immediately. After speaking to many representatives, I received no resolution, and filed a complaint with the XXXX 
Then, when I received my statement, I learned that there were {$1500.00} in fraudulent charges. 
To date, this issue still has not been resolved. It is now 11 months, and there still isnt a resolution for an error a Bank of America employee made. 
I am requesting the {$1500.00} plus {$4300.00} interest charges be credited back to my account. The total amount is {$1800.00}

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 explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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