BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed with Transunion that the account reported ( XXXX XXXX  ) is NOT MINE! I never applied for this card. Yet it is on my credit report under my name, social, address, etc. I have no knowledge of this card at all. 

I had lost my wallet and someone returned it to my home. Nothing was missing as I didn't have anything to take in it. I don't keep a lot of cash on hand and I don't carry everything with me. This is the reason why. 

There is no credit card number listed on my report, no terms or term duration. It was opened in XX/XX/XXXX and date of 1st delinquency is XX/XX/XXXX and Delinquency was 1st reported XX/XX/XXXX. This account is on all 3 credit reporting agencies. 

I have had lots of issues come up and checking my credit reports was the last thing on my mind. 

Please look into this. Transunion says it is verified as mine, yet I did not apply for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is concerning a payment to my XXXX card from CapitalOne. I was set up for autopay for the statement balance of for this card. My statement balance was XXXX. I cancelled my autopay and made a payment of {$550.00}. This was the only payment I authorized. One day after my due date, I saw that CapitalOne had taken out XXXX and XXXX, which is about {$540.00} more than my entire balance at the time. Every other credit card I have does not allow you to pay more than whats owed. They dont let you make multiple payments is an autopay is pending, and they have alerts. Not only does CapitalOne not give any warnings and allow duplicate payments, they also accept payments above the amount they you owe them. When I called them to cancel the payment, they said they would mail the overage owe me in 7-10 business days, although their automated system says 60-90 days. They should not be allowed to automatically withdraw money from your account more than what you owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation XXXX to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage  company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : 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 2022-12-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXXXXXX XXXX account number - XXXXXXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number - 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 2021-05-04
Company: CL Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Jefferson Capital Systems many times. The account is completely incorrect. Account is listed as open when it should be closed. Incorrect dollar amount. Company refuses to send any documents of proof to me. XXXX customer service reps who refuse to be of any real help. The 3 credit agencies claim they have investigated, but everything remains the same on my credit report. Please help my get this account removed asap. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My leased Hyundai vehicle was involved in a accident in XX/XX/XXXX. It was declared total loss by the insurance. Insurance made the payment. I paid my deductible portion. In XXXX, I received a letter of bill from Hyundai Motor Finance. The letter states that I owe {$690.00}. I, immediately called Hyundai and notified that I and insurance paid the amount due. I assumed the issue has been resolved. There was absolutely no communication from Hyundai after that. 

However, I got a negative credit item reported to my credit record in XX/XX/XXXX without any prior communication that I owe anything or they are taking any action. 

Then I got the bill from Hyundai for {$690.00} in XX/XX/XXXX. I mailed them immediately that I do not owe anything. No response from Hyundai to my letter. 

They now send the matter to collection agency and now I got a letter from collection company dated XX/XX/XXXX asking for money. 

Prior to this matter, I had a perfect credit report with no negative information on my file. I was never late for any payment for Hyundai Motor Finance or any financial institution. They ruined my credit file and score for something that I don't owe. 

They are also harassing me through collection agency with amount I do not owe.

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 2020-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/20 Citizens Bank mailed my usual payment to XXXX XXXX, to the address provided that is on the bill. However the check on XX/XX/20 was cashed by another unknown party and not XXXX  XXXX.check value {$100.00} The same thing happened on XXXX/XXXX/20, someone other then XXXX XXXX  cashed the checked.Checked was cashed by another party then the above but again not XXXX  XXXX. Check valued {$200.00} Citizens has filed paperwork with those banks that cashed the checks and still have not heard back to get my {$300.00}. back that I owe for my electric  bill. They stated the other banks had 7-10 days to respond back and they have still not responded back to Citizens and I am still out {$300.00}. for my electric   bill. Then I was told it would take 6-8 weeks and Citizens has exceeded that. I'm not sure how Citizens can not do anything with check fraud to recoup the lose other then waiting to hear back from the other banks. 

I have checked a minimum of 2x a month if not more to follow up with Citizens on update and as of XXXX/XXXX/20 Citizens still have not heard back from other bank. Citizens states they can't do anything until they hear back from those banks to get refund so in the mean time I have had {$300.00}. not paid on my Electric bill and has held up my money since XXXX. 

This complaint with Citizens was filed on XXXX/XXXX/20. Fraud complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I lost my Victoria secret credit card, I asked for a replacement. They will not send me one with a copy of my social security card. I do not feel comfortable sending anyone my social security card. Therefore I asked them to close my account and they refuse. This is going to affect my credit score and Im upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Cash Express, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I fell behind in my monthly payments due to illness. My wife contacted them and told them this. I can not pay at the time and my wife told them she would let them know when I could make a payment. She asked them to stop calling everyday. However, they continue to call several times a day. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
hi, I sent out a dispute about incorrect personal info on XX/XX/2020 and its been well over 60 days with no response

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 2017-12-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
There is a medical collection on both XXXX and XXXX reports in the amount of XXXX. This debt has been removed and re appeared on my credit reports with out me being notified. Its not on my XXXX report though. I tried to resolve this with the credit bureaus and got no where. It has been sold several times to multiple collections agencies and not once did I receive notice of this. This was added to those credit reports on XXXX. When I did the online disputes it was removed then added back under a different collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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: Account information incorrect

Complaint:
The 3 major credit bureaus have reported inaccurate things on my credit report. For example investigate each collection and the columns that are tracked. Wouldnt you agree that every column for each collection should have the same information if it is accurate for all 3. Also dont you agree if one major credit bureau out of the three takes something off your credit the others should at least reach out to the consumer asking if it should be removed. But no credit bureau has done so, and did not get my consent to put anything on my credit report. I also know for each error on my credit report that is inaccurate I should be granted {$1000.00} in reimbursement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their  Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : 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 2023-04-11
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year I discovered a fraudulent account on my credit report from Credence Resource Management originating from XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and this account was created without my knowledge. The account was created in XX/XX/XXXX ( XXXX account # XXXX ). I found the account in XX/XX/XXXX and began disputing it. On XX/XX/XXXX I filled an identity theft report with the FTC ( FTC report # XXXX ) and filled out XXXX XXXX XXXX XXXX XXXX XXXX identity theft form ( incident # XXXX ). 


The account was removed from my credit report and I thought the matter was resolved. 


On XX/XX/XXXX the account reappeared on my credit report. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX at the number I was given ( XXXX ) many times but I only got a busy signal, not even a voicemail. I have no other way to contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: OH
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:
These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: OH
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-26
Company: EQUIFAX, INC.
State: UT
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 went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I made a loan from the company about a year ago and was not aware of the 800 % interest rate. Just recently i noticed that they are still removing money from my account. I borrow about XXXX and from my bank statements they have not stopped taking payments. I go to the website and they say I still owe XXXX! This place has stolen a lot of money from my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank discrimates against XXXX XXXX because of XXXX, if you dont look XXXX or have an accent they ask if you are a us citizen, they made us wait over and hour to try to add my wife to my account and then said they couldnt do it because I didnt have my XXXX XXXX despite I had turned that in when opening my account. I had my drivers liscense and other IDs and wouldnt do it. When my wife made a cash deposit at the drive through they rejected her deposit because she wasnt on the account and returned {$200.00} less then what she sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Original XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 explanation
Consumer complaint received 2021-11-29
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : 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