BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-21
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX ( XXXX removed once then put back on my report ) 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 received no notification that my account would be closed.. I went on vacation I tried to use my card and it declined. A few weeks later I received a letter stating the account was closed. I recieved the letter XX/XX/XXXX when I called they said I couldn't reinstate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in XXXX I asked this company to Validate the debt, They sent an itemization of charges which is not considered by law validation. I requested a copy of the original contract with my signature. This company failed to provide me with this request several times. The law 91-50 Title VI, section 611, Subsection A-D clearly states if i request proof I'm entitled to obtain a copy of it, which was NOT provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: VA
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:
Date XX/XX/2020 XXXX XXXX XXXX reported on my experian credit report. I reached out to exeperian by phone immediately to dispute to advise this must be fraud because 1 I never been to the hospital called XXXX XXXX and never recieved a bill. While in dispute with them I contacted the company XXXX  as well as the original creditor not only they couldn't find me I kpt getting transfer to numerous departments which was quite frustrating. Experian advise the debt was accurate but how can this be I sent debt validation letter to XXXX and never recieved an response but the account is still reporting I also sent method of verifcation to Experian asking how did they verfiy they debt because I tried to get info from the orginall creditor and collection agency and no one couldnt find me. I literally close on my house in a few days and i tried the correct way to get this cleared up i contacted the creditor the collection agency with no avial THIS IS FRAUD! I would unverified fraud account removed from my credit file

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 2020-12-15
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX, on XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX and on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
CFPB : I have been a Victim of the 2017 XXXX Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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:
To whom it may concern : My name is XXXX XXXX.On XX/XX/2020 I mailed off a copy of my ID and SSN Card and dispute for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2021-01-25
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 status incorrect

Complaint:
I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mom ex stole my card

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 2020-09-21
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
This the letter I sent to AMEX on XX/XX/XXXX by certified mail and received no reply. Sent again electronically and they said they had no record I ever had any points and decline to help in any way. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX AMEX Card # XXXX XX/XX/XXXX American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX Dear Madam / Sir : I am writing to request that my AMEX membership points balance ( XXXX as of XX/XX/XXXX see page ( 6 ) enclosed ) be reinstated. I just noticed upon logging in to my account today that my Amex card housing the points # XXXX had been cancelled. I spoke with a customer service supervisor today ( XXXX ) about reinstating my points and he said he had no record that I had any points and, if I did, they would now be forfeited. 
I have been a cardholder since XXXX and have been using the card referenced to house my points from my previous employer corporate cards since XX/XX/XXXX see page ( 1 ) B enclosed. On that day I spoke to an agent about how to keep my XXXX corporate card points XXXX after I separated from XXXX. I had 2 points on my personal card previously ( see page ( 1 ) A enclosed ). See page 2 enclosed stating my points balance of XXXX from XX/XX/XXXX. The agent recommended that I transfer my Corp points to my personal card ( referenced ) and that they would be maintained there, indefinitely, without need to pay a fee or make any purchases. That promise held true for almost 5 years until now. Page ( 3 ) enclosed  shows that this points balance was maintained through XX/XX/XXXX. 
I did receive an email ( see page ( 4 ) from you XX/XX/XXXX XXXX : account closure but I didnt open as it looked like many of the regular emails I receive and I was in the midst of a job transition from XXXX and XXXX at that time. I would have expected a courtesy phone call at least given the XXXX point balance and being a customer since XXXX. 
Note that I spoke to a customer service agent on XX/XX/XXXX ( after the closure email date see page ( 5 ) enclosed ) about transferring points from my XXXX and XXXX corporate card to my personal card to preserve them as I had done before based on your prior recommendation. The agent transferred XXXX points to my personal card resulting in the XXXX points balance shown on my XX/XX/XXXX balance ( see page 6 ). The agent did not mention anything about my personal account was going to be closed soon else I would have immediately taken action to prevent to keep my points. 
I am open to your suggestions re : to how to get my points reinstated. Be it re-opening my personal card account or something else. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX  XXXX CO L with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police 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 2017-12-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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 previously made a complaint through this website onXX/XX/XXXX/2017.  The company responded that they closed the account and would adjust my statement to reflect I had no available credit balance. To date they have not adjusted my statement - which still reflects an available credit of {$2400.00}. I believe 3 billing cycles is more then enough time to close the account and adjust my statement reflect properly reflect this closure. Either the account is closed - or it is not. I would like Santander to say one way or another and stand behind that decision.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: KY
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 account list below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other advertise item of information, other than records of convictions of crimes of which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has a reasonable cause to believe that information is inaccurate.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Yes XXXX credit XXXX credit report agency an experien credit card allowing other country to handle American personal information from they home how identity thefts come in at violating federal consumer protection allowing someone u can't see or handle your personal information using or personal information or even possible writing writing it down that's something half to be stop with these credit report agency an not updated or credit report scores illegally false information an violation not right not updated or credit score my credit is in good standard conditions how am I'm keep getting denied credit cards an loan 's how my identity got stolen allowing company to uptain or credit information I requested they company stop using home base system to uptain consumer personal information protect cyber security something need to be did about these companies doing united state citizens hire real company employees not other countries how stealing or personal information people you don't know have you're personal information u never know an XXXX  XXXX keep allowing it due to incorrect information on my credit report they need to fix this false information on my 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 2022-02-14
Company: LendingUSA
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2019 I made a loan for {$8000.00} from Lending USA or XXXX XXXX XXXX account number XXXX. I just received a bill for {$4900.00} dated XXXX {$4900.00}. I have paid over {$10000.00} for this bill. I have had my banks give me statements documenting the payments. I am waiting for 2 additional statements that reflects payments directly to Lending USA for over {$1300.00}. 

Here are the dates from my account with XXXX XXXX XXXX XXXX : XXXX - {$500.00} XXXX - XXXX XXXX XXXX XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} Please help me obtain a record of all payments from this company? Because I am sure I dont owe them {$4900.00}. I am waiting for bank statements from my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CITIBANK, N.A.
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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITI CARDS XXXX XXXX Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these 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 explanation
Consumer complaint received 2023-08-10
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services was the former name of LVNV Funding LLC. 

I have told them for months, this DEBT is not mine. They sent a lousy statement with my post office box. 

Anyone could have used this and did a forwarding. I reported this as ID theft some years ago. 

I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX originally reported me to the credit bureau TRANSUNION in XXXX At some point XXXX XXXX XXXX XXXX sold the account to XXXX XXXX who reported an open date as XXXX I recently reviewed my credit report and it shows XXXX XXXX XXXX XXXX is now reporting the account with the same open date that XXXX XXXX was reporting XXXX XXXX XXXX XXXX XXXX has re aged this account and is in 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 explanation