BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Best Buy Credit Card and the Bank is Citibank. I made an morning online pickup purchase for a computer and XXXX XXXX on XX/XX/XXXX and canceled it online later in the afternoon the same day. I never picked up the purchase. Although they did give me a credit for the laptop for {$210.00}, they did not give e me a credit for the XXXX XXXX for {$100.00}, see uploaded letter I sent them on XX/XX/XXXX disputing the {$100.00} and now on my most recent statement they raised the balance to {$130.00}. I can not reach anyone by phone and I'm receiving emails demanding payment and have received nothing in writing about resolving my dispute inquiry. I have not used the credit card at all after 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 explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Filed complaint # XXXX XXXX / XXXX XXXX Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date Equifax is still showing outstanding balance of {$88000.00} and late payments. XXXX was paid in full XXXX XXXX in which they denied. XXXX stated I still owe to date the money for Insurance XXXX and Taxes XXXX that they paid on the same day the loan was paid off. XXXX has refused to show any documentation proving these payouts were even made. XXXX has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
XXXX has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing XXXX inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that XXXX remove all negatives and outstanding balances from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # XXXXMember ID XXXX, has 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 non-monetary relief
Consumer complaint received 2016-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with Bank of America and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. 
XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to 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 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
My brother has a Bank of America credit card he quit paying on a few years ago when he lost his job. He XXXX is a U.S. Army retiree with XXXX, XXXX, XXXX and physical injuries XXXX. He has an XXXX and needs another XXXX. He had XXXX XXXX about 2 years ago, he has spent months in XXXX to no avail, he has had to call XXXX three times in the last few months as he has no memory and takes too much XXXX forgetting he alredy took it. He can XXXX and can not manage his affairs. He lives on about {$1400.00} per month and Bank of America is trying to garnish his bank account where his XXXX social security is paid into. Bank of America has been provided all this information but persists in collection despite having proof his only, meager income is exempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt collector calls at least 3- 4 times a week for at least the last 2 years. It is a robo call with a woman 's voice stating it is a debt collecting agency asking us to return their phone call. The only debt I owe to the bank is my mortgage payment & we have been up to date with our monthly payments. We have no credit card debts as we always pay in full every month. Our FICO scores are between XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received a phone call from XXXX XXXX Bank. Asking me to return their call about possible fraud with reference # XXXX. I have left XXXX separate messages and have heard nothing back from XXXX XXXX bank.

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 2022-09-01
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:
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX  XXXX Date opened XX/XX/2021 Balance $ XXXXLate/Closed Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-04-08
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX, Equifax, XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT ACCOUNT Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX ( original Creditor : XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX $ XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX {$12000.00} ( XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Complaint is in reference to the information provided by th e Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Sta tute 83.49 ( 3 ) ( a ).  Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to t he Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the lo cal Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has frequ ently pointed ou t ( se e attachments ).

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 2021-04-21
Company: Experian Information Solutions Inc.
State: WI
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:
Well over XXXX days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX  ''. In fact, I noticed several errors regarding this account on my credit report. XXXX of the errors shows late payments, derogatory status and included in a bankruptcy. XXXX of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had XXXX late payments- there are serious discrepancies and errors. Upon addressing this with both XXXX and Experian, nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to XXXX and Experian asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond XXXX days, the law requires that the disputed information must be removed from the credit report. XXXX  and Experian fail to comply.

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 2020-03-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I had deposited {$2000.00} into my savings account through the ATM. The ATM told me it couldnt process my deposit and had me put the amount I had added into the ATM. And the ATM ate my money and never gave it back. This is all with TD Bank. Later out i found out that my credit card was connected to my savings account which caused a force deposit to happen. After this had happen i got a receipt for records and called customer service right away. They had put a dispute in right away for me. I called today XX/XX/2020, and they told me to dispute was closed and i had never gotten my money back or into my savings account. They told me the best bet is to call the branch that i had used. So i had called them and they didnt have any record of a dispute and basically told me they cant do anything and to call customer service and make another dispute. It has been three weeks since i had done this and no money into my account. I need help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXXMember ID XXXX, has 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I got a car loan XX/XX/22 and it has come to my attention that my right of rescission was never provided or explained. I sent a affidavit of rescission XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXXXXXX XXXXXXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXXXXXX XX/XX/2022. {$4500.00} XXXX XXXXXX/XX/2022 {$650.00}

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 2022-09-01
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2100.00}

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 2022-09-01
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:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXX XXXXXXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXX XX/XX/2022. {$4500.00} XXXX XXXXXX/XX/XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: JPMORGAN CHASE & CO.
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In 2014 opened a Chase Amazon credit card account. I never verified the card or used it. When I call chase to close/delete the account they do not recognize the card number or tell me that hey do not have access to the account.
Yet, if I apply for a new Chase Amazon account, Chase sends a letter saying I have one and decline the request.
The clearly have a quality control problem. I want account no. XXXX XXXX XXXX XXXX  closed/deleted/purged forever, and chase provides no method to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Consolidated Recovery Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently applied for credit and saw a collection from Consolidated Recovery Group, and since I never heard of them before I wrote them a dispute letter. I had to find their address on my XXXX report. ( see attached ) I wrote them a dispute letter to ask them for validation of the debt and to beg them to stop calling me. The letter was returned as the address was inaccurate. How can this be? Aren't they supposed to report 100 % factual information to the credit bureaus? If they can't even provide an address for this, how can they possibly report interest and penalties accurately on my credit report? Everything is wrong here. they have violated the FCRA, by not allowing me to dispute the debt or request validation. they have violated the FDCPA by not reporting correct information to XXXX. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation