BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
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 in the amount of {$3700.00}, {$6000.00}, {$960.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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:
Private information in my credit report has been released into the public realm from Equifax without my permission. I subsequently placed a freeze on my credit report, and was charged to do so by Equifax ( I was required to pay for the freeze with a credit card. ) I feel the freeze should have been placed with no charge since my data was compromised by their own admission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, 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 in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}.

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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All of these items are from Knight Adjustment Bureau : XX/XX/XXXX : {$580.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander accepted a settlement after an auto accident. They also agreed to return an over payment of XXXX. Since then they have reneged on their agreement, and have started harassing my wife and me. They are claiming we owe them money, and they have placed negative reports on our credit. We have sent them several letters, including XXXX from our attorney, and they continue to ignore us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

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 2020-06-10
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I noticed a fraudulent account listed on my report - - XXXX. XXXX XXXX. I tried to dispute the account but there is no way to do it electronically and the phone number give to call Experian to dispute the fraudulent charge is to a prerecorded message with no option to dispute the fraudulent account nor speak to an agent. 

I requested the company reporting the fraudulent information produce competent evidence that prove the debt is mine and owe this debt. They have failed to respond in more then a reasonable time. 

This is not my first time experiencing this situation with Experain. I am the victim of identity thief. My information was compromised in both the Experain and XXXX data breaches. 

I have filed thief reports with the state police, state attorney generals office and Federal Trade Commission.

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 2021-11-19
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 information incorrect

Complaint:
I had an old private student loan that defaulted in XXXX however the collection agency XXXX XXXX is reporting it is a brand new collection from XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Americollect Inc has not had my written consent to publish any of my medical information. They have infringed upon my consumer right to privacy. 15 U.S. Code 1681a ( 3 ) ( a ) ( b ) and 15 U.S. Code 1681a ( 4 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I requested a deferment until I found a job that I could make the payment and the principle triple in the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for XXXX accounts they reported on my credit report. The company has failed to provide me validation of the account and merely sent me a total amount due with no proper itemization or no agreement between myself and the medical service provider and they have continued to reprot the account on my credit report and even verified it when I disputed it with the credit bureaus This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). H

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account below has violated my right to privacy and confidentiality under 15 usc 1681. 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 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 other 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. 

For account XXXX from XXXX XXXX of {$8400.00}

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 2023-07-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
; Hi my name is XXXX XXXX, and my citi checking account ending in in # XXXX was closed down XXXX XXXX for no reason. I called the customer service at least a handful of times with no success of getting a reason. I have now visited the branch over four times now and I have still not gotten any response into why my account was closed. I have also talked to the bank manager XXXX XXXX at the branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. After talking to her I still do not know why my account was closed. I have my hard earned money in my account and my tax returns I received just a couple of days prior locked in my account with no real answers of why and when i will get my money back from citi bank and this branch. They are stating that my tax returns are fraudulent as if they are tax experts or accoutants but with no proof that i did anything wrong besides assumptions. On the other hand I have came into the branch with my identifications, my irs proof showing the amount that I was suppose to receive and the citi # XXXX it was suppose to deposit in, Everything on my end matches up. My name, my ssn, my dob, my refund amount and proof of it from the irs websites and my acct. lastly the irs before sending out the refunds they review it so if there was a problem with it, they would not have sent it out to me. I just want to be treated as an equal, when I have been in the branch, I see how im treated and looked at compared to the other people in there that do not have the same pigment in their skins as I do. They get there money with a smile from the clerks, but I ask for mine and it a problem for a XXXX XXXX  to have money, it must be a scam, it must be fraudulent. I have been disrespected and most importantly not getting any help on how I will be getting my money back.

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 2016-01-25
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote XXXX and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

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 2022-09-15
Company: EQUIFAX, 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:
I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, XXXX reported dates should be the same per bureau. XXXX is showing a Last Reported date of XX/XX/2022, XXXX showing XX/XX/2022, and Equifax is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between XXXX and Equifax / XXXX. High Credit Amount is different between Equifax and XXXX / XXXX. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX XXXXXXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for XXXX, XXXX is showing XX/XX/2022, and Equifax is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
My entire life is tied to my social security number which was handled with improper care by Equifax. I consider thier negligence which lead to this breech to be pretty serious. Equifax has no business handling confidential information and I had no choice in giving them my most crucial personal information in order to be part of society to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: NC
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:
I Sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX # XXXX # XXXX To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No XXXX XXXX is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
i had a XXXX account connected to my citi gold credit card, the account had around XXXX aa advantage miles, i had trouble logging in to the XXXX account so i called up XXXX and they said they shut down my account. first of all i was never notified about it and i have not done anything against the terms and conditions to earn those miles.

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 2020-06-11
Company: Associated Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started receiving collection notices from water company about a bill ; I called the water company and explained my name does lot match and that I have never received any water not have I ever done business with the company. I have sent certified letters to the water company in question which included my name and address to show I am NOT that person. I have had water through a completely different company for 6 years and never have I done business with the water company in question. The customer service lady apologized for the mix up and said I wont get any more calls or mail. Today I received a collection agency notice. This is harassment and against the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: FL
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 a collection account on my credit file from  XXXX ,   XXXX    XXXX   XXXX , that has recently been paid in full.     Equifax has this account listed on my credit file twice, same account number, same debt amount, same dates. As I stated, I have paid this debt off recently, and disputed the entries with the Equifax, and pointed out that the entries are duplicate, which both are reported directly from the original creditor. This has been going on sin ce 2013.      I have brought this matter to the creditor, they act like I do n't know what I am talking about. I have disputed the account formally with Equifax, and they continue to " reinvestigate '', then only days later claim the information is reported accurately. I have repeatedly requested the accounts to be deleted from my file since they have been paid in full, which I retain receipt of. I keep getting the run around.     In summary, Equifax is listing the same account twice from the same creditor, as if I had  XXXX  accounts with the creditor. They will not delete  XXXX  and update the other to reflect as paid with a {$0.00} balance, the original creditor says they are ok to have the files deleted since it has been paid, but they claim it is up to Equifax to do so. When questioning Equifax, they claim that the creditor must submit for deletion.     Please help, I am being damaged twice for the same paid account! How can this be legal!? My score is significantly lower than what it should be if properly reported. I now want   XXXX   accounts deleted, as the debt is no longer valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America accepted mortgage payments from me, giving me a confirmation number for the payments, then, failing to apply them to my loan, they have attempted to return them to me. They are trying to foreclose on me, saying that I defaulted on my loan, when they have both failed to apply payments and failed to accept payments, erroneously claiming I had defaulted on my loan. They are now trying to foreclose on me by a " Summary Judgment Motion, '' suggesting their claim that I defaulted is irrefutable. I hope to refute ( and disprove ) every allegation, but can not find a specializing lawyer to take my case on short notice. ( My attorney has quit ALL mortgage law cases, and I am left stranded. ) For XXXX years Bank of America has treated me in an unethical and fraudulent manner. I do not know whether the judge will listen to/look at my arguments/evidence and proof that they have committed many violations and are falsely alleging many things to give the appearance that I missed or defaulted on loan payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation