BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Bread Financial Holdings, Inc.
State: CA
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:
I applied for my XXXX reward point in a statement credit cash value {$140.00} around XXXX XXXX my confirmation # XXXX i thought they said it wound take 4 to 5  days to receive the credit i called back after a week they said no it would take 45 days before i receive the statement credit which i should receive around XXXX XXXX so i waited over 45 days they started give me the run around putting me on hold, transferring me to another department line that never answered, I talked to a supervisors on different occasions when ever i talk to a person they respond saying i still have to wait. Now after XXXX months or more they said that i have to dispute it and that would take another 60 to 90 days of waiting for a response so now after 90 days they responded by denying me my {$140.00} statement credit and the reason for the denial was i didn't dispute the statement credit within 60 days from some date i'm not aware of because of all the run around they gave me i call back to talk other customer service representatives and they don't no what happen to my statement credit that i should have received so now i need the CFPB to investigate it for me. i think the reason for the fowl play is they never received any interest from me because i pay my debt in full before interest is charged

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
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: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX Balance : {$430.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-08-31
Company: JPMORGAN CHASE & CO.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I ate a meal at The XXXX XXXX in XXXX XXXX. I do not have the receipt, but it would have been about {$30.00}. Two days later, my Chase Freedom  credit card showed a charge of {$160.00}. 

I called the restaurant twice to speak to a manager. It was clear to me that the server had swiped my card for another table. The manager would not return my call. 

I disputed the charge with Chase. On XX/XX/XXXX, Chase informed me that the charge was valid and I would have to pay it. They submitted to me the receipt for the meal, which showed steaks and liquor for four people. Though it was charged to my card, the name and signature that signed it was not mine. 

I appealed the decision, citing the fact that I had not signed the receipt for which I was being charged. I also : 1 ) submitted a photo of the back of my card which showed my actual signature 2 ) submitted written testimony from three dining partners that I did not agree to pay for another table 's food and 3 ) suggested they show my signature to the restaurant so they could go through their bills from that day and find the actual receipt that I signed. 

On XXXX XXXX, Chase said my appeal was denied and I was liable for the charge. Chase did not provide any evidence that I agreed to pay for the other table of food, nor explain their decision in any way. I called their dispute department and was told that because I had given my card freely to the restaurant, they were allowed to charge any amount to it. I pointed out that I did not sign the bill for which I was being charged, and they said it didn't matter. I used an example of " What if I went to XXXX 's and bought a hammer and was charged {$600.00} for the guy behind me who was buying some decking boards? '' and was told " Yes, because I gave XXXX 's my credit card, they were free to charge anything they wanted on it, even without my signature. '' Of course this was ridiculous, but wanted to share this conversation by way of example of how I could not go further with this issue. 

In short - I was charged {$160.00} for a contract that I did not sign for, and they have proof it is not my signature. 

By the way, I have probably charged and paid off more than {$40000.00} to this credit card this year. There is no way I would try and scam Chase for {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Receivables Management Corporation of America
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts and their balances ( two accounts one in the amount of {$4100.00} and the other {$1200.00} ) from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted TransUnion regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft TransUnion gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.

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 2022-11-14
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my account after it was compromised. It has been over a month and they have kept funds essential to my familys survival. They have not sent anything in the mail or email.

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 2021-09-23
Company: MRS BPO, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from a company called MRS BPO LLC stating that they would obtain a judgement against me if I did not pay money to them for a collection account for XXXX within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 
1 ) Ive never had a credit account with XXXX and when I called the number listed I was on hold for 2 hours on three separate occasions. 
This is harassment and a bullying tactic and I want this to STOP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried multiple time to get all three bureaus to remove XXXX XXXX XXXX account. They keep reporting a lowered then increased charged off balance. Also XXXX XXXX paid/closed account was just updated to past due then changed to paid/closed. These are old bias accounts that I should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 at XXXX EST I attempted to make a purchase for {$50.00} usd of the crypto ETH. It has not shown up in my account and I have not received my money back. I have reached out to coinbase thru XXXX, XXXX, email, and phone but no one is giving me any answers. All I get is " we are aware of the problem and working to fix the issue ''. I sent transaction numbers, receipts and all the proof needed to show I made the purchase. I even had one coinbase operator ask me to fill out yet another form then block me. I have tried for 4 days to get my money back. They've already costed me so much in profits. This company needs to be shut down! There's no customer service or fruad department at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
Credit was sold to another company Wrong amount owed Debt over 7 years old Disputed through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To : CHOICE RECOVERY/ XXXX  Florida XXXX YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you my authorization and request to release my personal and medical information/records, I demand that you block and cease collections on the following accounts from my consumer report. 

-Choice Recovery Inc XXXX ** {$120.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between ChoiceRecovery and I Stop all negative reporting activity to all consumer reporting agencies Remove and block all negative reporting activity XXXX out balance Remove any late payment reports I Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MD
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:
To whom it may concern, I am writing to request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus XXXX, EQUIFAX, XXXX credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Im a victim of fraud. I have contacted XXXX, XXXX, and Transunion numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to XXXX, TransUnion, and XXXX. XXXX need to remove fraud accounts. The 6 frauds accounts are : - XXXXXXXX XXXX XXXXXXXX {$280.00}. Account XXXX XXXX XXXX XXXX : {$5500.00} Account XXXX which is a fraud business account. I'm not a business. 
XXXX XXXX XXXX XXXX {$21000.00} Account XXXX -XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX {$220.00} Account Number : XXXX -XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON XXXX ONLY. 
XXXX XXXX XXXX : XXXX {$23000.00} Account XXXX : XXXX. I been a victim of fraud since XXXX. I have been disputing fraud accounts. I have attached my theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NV
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 XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has said that they can't settle the loan but can they at least settle it at an amount that I can at least pay $ XXXX monthly especially now that I am unemployed and looking for work. It would help so much financially, if I could get a settlement of permanent pay per month that won't rise each year. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with trasnunion. checking my file ive noticed alot of errors that needs to be fixed. this has been an issue that ive addressed multiple times an have not changed. please review an remove the following information that needs deleted in th files submitted asap.

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 2019-04-17
Company: Specialized Loan Servicing Holdings LLC
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 is missing that should be on the report

Complaint:
Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, Specialized Loan Servicing ( SLS ), 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 c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ALL have failed to report a disputed debt to the credit bureaus.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: NV
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 XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX  {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, 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 explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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