BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appears that my my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me Please remove the following : 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 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 2023-02-11
Company: EQUIFAX, INC.
State: CA
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 list of accounts below has violated my Federal Protected Consumer Rights to my privacy and confidentiality under 15 USC 1681 Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX Has violated MY RIGHTS. 
In accordance with the Law 15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681C ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 
15 USC 1681S- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING RELATING TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had taken several opportunities to behold and remove any negative account and addresses and give the correct name and the spelling of my name

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 2019-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX   XXXX XXXX, IA XXXX Complaint Against : BANK OF AMERICA N.A , Servicing Bank XXXX XXXX XXXX XXXX XXXX, NC XXXX Reference Account : XXXX XXXX Account # XXXX XXXXXXXX XXXX MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX NOTICE TO RELEASE ACCOUNT INFORMATION Under Fair Debt Collection Practices Act, you hereby ordered to release the account followings account # XXXX information, under your servicing : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XXXX to XXXX, during your servicing. 

2. Copy of the written authorization by note holder to start foreclosures XXXX and XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl 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 explanation
Consumer complaint received 2023-03-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
citi global risk management did a soft credit pull and denied my my right to have a credit card with them. as the equal opportunity ask state no one should be denied credit just because of a living situation or race etc.

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 2023-01-05
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: Account information incorrect

Complaint:
I've been dealing with a troublesome account that is misleading and false, as it incorrectly indicates that the account is in foreclosure while it was actually paid in full. After disputing this with you countless times, you failed to perform a reasonable and complete investigation, causing me severe distress and actual damages as a result of being rejected numerous things for which I should have been approved. This XXXX XXXX XXXX account with an account number of XXXX on equifax and account number of XXXX XXXX is destructive to my health and I need CFPB to enforce the fairness and proper reporting of this account on my credit report. I have proof that i will attach showing the account paid off and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
XXXX first, I payed them on time every month and somehow wasnt recorded then suddenly a lot of my credit was paid? 

Wells Fargo, I keep having charges that I do not recognize and they keep overdrafting me with a {$35.00} fee at least about 4 times a month. Overdraft is credit, I do not have credit with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello I believe that I tried to purchase a tv, from Best Buy and tried for their store credit card, and believed that credit score was low at that point of trying out for the purchase

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 2023-02-11
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi I've been receiving bill its already settled with the main company which is XXXX and I do have confirmation email with that debt the collector is Jefferson capital keep asking for the same amount XXXX I did already inform them that this issue being resolved with the main company which is XXXX long time ago and I did email them a confirmation email I got from XXXX for that payment they tell me that they can remove it from my credit report as a debit still I owe because this is still affect my credit score and my credit for any think I want to do even I can not even open a regular chicken bank account because they inquiries I have from small debit collector like those companies still showing my credit report so I did pay that money and they still asking me for it still affect my credit score they are aware that I bet already I refer the email back to them from XXXX but we're not getting nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request your help. My rights and credit have been affected by this issue on a late payment for XX/XX/XXXX with Honda Financial. My account information is AMERICAN HONDA FINANCE. Account # XXXX. Opened XXXX XX/XX/XXXX. Original balance : {$11000.00}. 

I did not receive any statement with a due date at all, I called their customer service on XX/XX/XXXX and they stated they only allow XXXX method at a time. They said that my, account got enrolled in email statements back in XXXX. I dont remember enrolling the account online. I have not been able to access my email since XXXX of XXXX because it was hacked. 

I have already tried to fix this with them in different ways including a goodwill letter I sent to them on XX/XX/XXXX, they did not even investigate or mark the account as disputed per FCRA regulations. This is preventing me to purchase a home and it is not even my fault, nor a financial issue. I really would appreciate your help since this is causing a big impact on my Credit Report. 

I demand a deletion letter from Honda. If they refuse to provide me this, I will not hesitate filing a lawsuit for the following violations : unfair business practices, negligence, failing to provide late notice and some other violation that will come once I talk to my attorneys.

See attached : - Documents sent to Honda - Proof of funds ( this was not a money issue ) - Proof of email hacked Thanks to whomever reads my complait.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I was contacted by FRANKLIN COLLECTION/XXXX  XXXX, that I owed {$980.00} for not paying a phone bill and not returning XXXX XXXX XXXX equipment for account. I advised that was not possible, as that account was transferred to my ex-wife, XXXX XXXX XXXX, during our divorce in XX/XX/XXXX. They advised that the account was never closed and was being paid on up until XXXX  XXXX. I had discovered through this that my ex-wife was fraudulently using my old XXXX XXXX XXXX account following the divorce, which was not authorized by our divorce or me. My ex-wife is responsible for this debt and possesses the assets that need to go back to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: JPMORGAN CHASE & CO.
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:
Late XX/XX/2023 a bank ( XXXX ) called me to find out if I had applied for a credit card. I told them that I did not apply for a credit card. They told me that they would not approve the card and asked that I file a report with Identitytheft.org I filed a report with XXXX XXXX XXXX XXXX mobile account also alerted me that there were recent Hard Inquiries on my credit for credit cards or accounts that I didn't apply for. 
I also found out through my work that there was a breach with our personal information through an insurance company called XXXX XXXX XXXX last year and that we could get free credit report surveillance through a company called XXXX. 
I then filed an account with XXXX ( phone number is XXXX XXXX XXXX ). 
They asked that I freeze all of my accounts through XXXX, XXXX, and XXXX. I went ahead a did that. 

When I called XXXX to request that the hard inquiries are removed from my credit report, they asked that I file fraud with either my police department or with FTC.gov. 

When I went to the FTC.gov website, it brought me to this website to make my report. 

I would like to have the following hard inquiries removed from my credit report as XXXX are fraudulent : XXXX ( Don't know what bank this is ) XX/XX/2023 ( Shows up on my XXXX XXXX account ) XXXX XXXX, XXXX XX/XX/2023 ( XXXX doesn't have this listed but it shows up on my XXXX XXXX account ) JPMCB Card service XX/XX/2023 ( XXXX has the date listed as XX/XX/2023 JPMCB Card services XX/XX/2023 XXXX XXXX Bank XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
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:
The account reported to the credit bureau does not belong to me It belongs to my ex spouse who add me as second card holder without my consent. 
On the report it states that account is joint but I never sign an agrement with the credit card company but husband is the primary responsable. 
I disputed it with the credit bureau but it remains in my report wich I find unfair

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 2023-11-11
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit 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/23 at XXXXXXXX XXXX I bought a car part online. XXXX plus XXXX  set XXXX At XX/XX/23 at XXXX I got a text from synchrony saying they declined my purchase for suspicious activity. Asked if it was correct and I responded with Yes. 

At XX/XX/23 at XXXX I got a text from synchrony saying since they declined my transaction and if it was legit go ahead and repurchase the item. 

At XX/XX/23 at XXXX I repurchased the item. 

On XX/XX/23 I received my item twice. 2 orders of the same item. 

I waited for almost a week to see what synchrony was going to do about this since they said the declined my first purchase. 
They charged me twice. They never cancelled the first order as their text message stated plus the next day they reduced my credit line even though I have a perfect payment history. 

I called them and they said I should return the extra orders and they would refund me the difference back to my card. So I returned them. I was credited XXXX back for my XXXX and XXXX credited back for the gasket set of XXXX from the auto part store online. 

I was charged a {$7.00} restocking fee on each item so twice and I had to pay to ship the items back to them each item {$13.00} so 2 charges of that. 

I purposely paid the shipping charges on that same card so all info is showing for them. 

I called them back on XX/XX/23 to talk to representative to get refunded back for their mistake and she said they don't give refunds back for shipping or the {$7.00} fees. 

So I am out of {$43.00} for their mistake and 1 person telling me to do return the items because I will get re-imbursed for it and another telling me no refunds! 

Plus the day after XX/XX/23 they cut my credit line back which also effects my credit history and I have a perfect payment history with all cards and etc.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Transunion, I, XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX Account Number : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 






Account Name : XXXX XXXX Account XXXX : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX Account Number : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX XXXX Account Number : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: NY
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 trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got two calls from XXXX XXXX XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices. 
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this. 
This company I called back and they said they were collecting for XXXX XXXX XXXX. 

There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt

Company response to consumer: Closed with explanation