BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/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 2020-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was the victim of identity theft in XXXX and XXXX of XX/XX/2020 and a criminal did a fraudulent hard inquiry to my Equifax credit on XX/XX/2020, in an attempt to open an account from XXXX XXXX. When I became aware of this issue, I contacted the creditor and had them contact Equifax to confirm that this inquiry was fraudulent. In addition, I contacted Equifax to let them know of this fraudulent hard inquiry. In the dispute outcome from Equifax ( Confirmation # XXXX ) I was informed by Equifax that the inquiry was fraudulent and had been removed. As of todays date XXXX XX/XX/2020 ), the fraudulent inquiry has not been removed! I have called and filed several subsequent disputes regarding this same inquiry only to be told to resubmit the information that Ive already sent. I followed those instructions and resubmitted everything ( police report, copy of my social security card, copy of my passport, letter from XXXX confirming that the inquiry was fraudulent, copy of my drivers license, and copy of my birth certificate ) only to be told that I needed to contact the creditor again. I followed that step and had the creditor contact Equifax and still the inquiry has not been removed. I understand that this is sensitive information but I DO NOT need to be told to contact Equifax again because I have already filed over 20 disputes and yet Equifax in spite of having everything has not performed the administrative task to delete the fraudulent hard inquiry. My issue is administrative and I need Equifax to delete this inquiry that I have proved on multiple occasions is fraudulent. I am unable to buy a home and live my life due to this fraudulent inquiry so please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.

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 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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/XXXX, my husband received several text messages from Bank of America ( " BOA '' ) that if we transferred multiple $ XXXX through XXXX. I immediately realized frauds and contacted BOA. BOA successfully prevented XXXX {$50.00} transfers, but was not able to prevent the other XXXX transfers through XXXX. BOA then suggested and helped me file a claim - XXXX. 

In the meantime, I realized my own cellphone lost service from XXXX  and later I found out my phone number - XXXX was transferred to a device located in XXXX by XXXX. Therefore, the thief in XXXX used my number on his/her device, and transferred my money in my XXXX account linked to my BOA account. I have told BOA about my phone situation during the claim. I have also filed a complaint to XXXX XXXX XXXX regarding unauthorized transferring my number to an XXXX device ( see attached ). 

These XXXX transactions are obviously fraudulent. However, to my surprise, on XX/XX/XXXX, I received the letter from BOA dated XX/XX/XXXX, stating that they've determined that they are unable to honor the claim, because their investigation found that the transaction in question was validated using an authentication code sent to a valid phone number belonging to a signer on the account, even though I clearly stated that my phone number got stolen, and asked them to stop the transfers and they DID successfully prevent the XXXX transactions after I contacted them. 

Therefore, the decision made by BOA dated XX/XX/XXXX is unfair to me and inconsistent with the action of stopping the other XXXX XXXX transactions.

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 2021-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for the CapitalOne XXXX card using their link on their site that was supposed to give {$200.00} cashback for spending {$500.00} within 3 months of getting the card. I spent the {$500.00} on the card after receiving it in the mail and I still didn't get the {$200.00} sign up bonus after 2 months, so I called CapitalOne and their representative says the offer wasn't applied to my application, even though I used their link on their official site that displayed the offer ( https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ ). This is blatant false advertising and a very slimy business strategy to get people to sign up for their cards and ultimately not honor the advertised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I file a complaint agains citibank for a collection under XXXX agency, according to the citibank representative they said it take 3 months to process the investigation that is already in file with you they never responded back about their findings and conclusion, however XXXX deleted the collection because there were violations against consumer protection act, this were done by law firm in New York, called XXXX they were the one 's pushing XXXX to delete it and they did, however XXXX and XXXX are still showing the collection therefore I am requesting for citibank to delete the collection from XXXX, XXXX and again with XXXX to be sure that they will not processed it again, Citibank fail to respond back to me with the answer since 5 month ago. the complaint is in your records for you to see. there is no documentation to be submitted because it has been provided already I was just waiting for their response about my complaint.

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 2020-04-01
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 : {$19000.00}, U S DEPTOF EDXXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX ) XXXX Balance : {$89.00}, XXXX  XXXX : {$0.00}, XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit fileXXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from 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 2022-04-12
Company: Debt Recovery Solutions, LLC
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:
There are collections account reporting on my file that i have no knowledge of. My XXXX  was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX{$1.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Last reported XX/XX/XXXX{$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor DEBT RECOVERY SOLUTI Last reported XX/XX/2022 {$2900.00} Open balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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:
Please delete the following inquires as they were not made by me : 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, and the following accounts XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as I have never applied nor giving consent for the following companies to have access to my credit report to establish account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please delete the following inquires as they were not made by me : 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, and the following accounts XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as I have never applied nor giving consent for the following companies to have access to my credit report to establish account

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 2016-01-31
Company: Professional Finance Company, Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Dear Sirs, I was attending school at XXXX XXXX College in XXXX Colorado, going on my second semester ( In XXXX of XXXX ). In the end of XXXX, I received a phone call from XXXX where I found out that my mother had XXXX. I had to leave school to go take care of her in XXXX XXXX XXXX, XXXX. When I came back, in XXXX of XXXX, I found that ( XXXX XXXX COLLEGE ) had sent a bill that they said I owed in the amount of {$740.00} to a collection agency, by the name of PROFESSIONAL FINANCE COMPANY, located at XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Phone nubers ( XXXX ) XXXX and ( XXXX ) XXXX. I basically only went to class for a few days for that XXXX Semester ( which began in XXXX of XXXX ). I have been unable to pay this, and I am currently attending school at XXXX XXXX XXXX in XXXX, Nebraska. In order to enroll for the next semester, I am going to need the transcripts that XXXX COLLEGE has, which they will only give after what they say I owe is paid. I do not know what to do, because I am very poor, and I need the transcripts in order to continue going to school. Please, I need your help. I do appreciate so very much your time and attention to this matter. Respectfully yours,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Source Receivables Management LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have reached out to debt collector, and no response. I have sent letters to verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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: Information belongs to someone else

Complaint:
id theft victim. account that was charged off is not my account. already removed from equifax and XXXX 
XXXX for {$3600.00} is not mine XXXXXXXX XXXX  XXXX {$1900.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
Please assist me in making the credit reporting agencies up hold to the federal law. My rights as a consumer are to at least be able to speak on behalf of my own credit file. The credit reporting agencies sent me a bogus letter in the mail stating they would disregard my original complaint because they believe it is some one else. Just because I know my rights and I know that I am being violated does not mean I need another person 's help. I have late payments appear on accounts. I have accounts that are NOT even mine at all listed and a bunch of other foolishness. I not once gave Experian, XXXX, or XXXX any type of permission to report or speak on my behalf. I have been stressed and diagnosed with XXXX because of this. They are fraud and they have taken over my identity and in violation of the FCRA and 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2017-05-24
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I purchase a  70  inch TV from hhgreg I paid as agreed until the balunce was at  XXXX  and I got a warranty with the TV well the TV screen out and they did n't want to honor the warranty I am a mother of  XXXX  kids and I had a warranty until the TV was paid in full and they was talking crazy to me every time I was asking them about the warranty for my TV I would get the run arounds and and 3 year later they tying to collect

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 2017-05-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I talked to a lady wit h American Express, wanting to cancel my cre dit card because I did not want to pay the annual {$190.00} annual fee. She advised that I cash in my points before I cancelled. I followed her advice. After I received my movie tickets, I cancelled the account. The account is now closed and I ca n't access it because it has been closed. I then receive a statement and a late fee which now amounts to {$220.00}. I called  American express an d asked that the renewal and late fee be removed because I cancelled the account and now I do n't have the account. It has been closed. Both the lady,  XXXX  and her supervisor, a  XXXX   XXXX   XXXX  informed me that no one in the whole  American Express  companies could cancel or refund this fee. I now do not have an account, but I have been charged the   XXXX   renewal fee. Account no. ending in  XXXX .

Company response to consumer: Closed with explanation