BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals. 

Please see attached documents

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 2019-12-05
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I pay my credit card balances monthly, in XXXX of this year ( 2019 ) I inadvertently paid the wrong credit card, in the amount of {$1100.00}. When I discovered the error I immediately called Sears ( who handles this MasterCard ), they refused to reverse the payment and started asking me for my bank account information ( as if I am going to give that to a stranger over the phone ). I asked them to then send me a refund, they refused to send me a refund immediately but said I would automatically receive my refund in 60 days and that this was the only option if I failed to give them my personal bank account information. It has now going on 5 months since this happened, I called again over a week ago and was told I would have my money in 7-10 days, and once again I have received nothing. I feel that they now owe me interest, they have almost {$1200.00} of my money! I am furious. I also requested that due to the fact that they never returned my money it should be sent overnight to me, which they refused. The person I spoke to the second time was XXXX in Idaho, Team 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 monetary relief
Consumer complaint received 2021-04-20
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been fighting identity theft since the day I turned 18 years of age, and it's almost a nightmare that never stops recurring. Since I was 18 years old I have had all three credit companies flag me for identity theft due to being a victim. I can not file income taxes online because I have to get an IP pin addressed to me every year that goes straight to the IRS headquarters in Texas. XXXX XXXX XXXX has recently placed two collections against me and on my credit report, one of which being for XXXX XXXX in the amount of XXXX $ and the other being XXXX XXXX in the amount of XXXX . Neither of these accounts belong to me nor have they ever been mine, I have been a XXXX XXXX subscriber since I was 18 years of age and have had the same phone number since I was 18 years of age, with no late or past due payments to this very date in time. I'm requesting complete removal and deletion for these two listed accounts as they are both fraud. 

My step-mother has been placed in jail on three different occasions for using my identity before finally getting a credit freeze placed on my account along with the IRS freezing my social and requiring a paper w2 to be mailed in leading to further my struggle in life because I have yet to receive one stimulus check because my identity can not be verified. This is absurd. 

Thank you for your understanding, this is a very hard day and age we live in. I didn't know being a victim of identity theft would haunt me for what seems like forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Linebarger Goggan Blair & Sampson LLP
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter in the mail written on XX/XX/XXXX by Linebarger Goggan Blair & Sampson, LLP. This letter claimed that I owed {$42.00} for a parking ticket dated on XX/XX/XXXX. I never received a parking ticket on XX/XX/XXXX so I wrote back a dispute letter on XX/XX/XXXX stating that I never received a parking ticket on that date and that I wanted proper validation from Linebarger Goggan Blair & Sampson, LLP proving that the debt was truly mine ( USPS Certified Mail Return Receipt proves that Linebarger Goggan Blair & Sampson, LLP received my dispute letter on XX/XX/XXXX ). I did not receive a response letter from Linebarger Goggan Blair & Sampson, LLP until XX/XX/XXXX stating that XXXX XXXX XXXX Parking Violation Collection was the original creditor. They also sent me two pictures, one of a license plate number and one that was blurry and indistinguishable. They claim that this is a picture of my license plate and of my dash without a parking receipt. The license plate picture they sent me does not match the number of the documentation they sent me. The license plate does not belong to me nor has it ever belonged to me. Upon further investigation I found that the license plate photo they sent me belongs to XXXX XXXX XXXX with vin # XXXX. I have never owned this vehicle nor have I ever driven this vehicle thus it is impossible for this alleged ticket to belong to me. I sent back a letter on XX/XX/XXXX demanding that Linebarger Goggan Blair & Sampson, LLP cease and desist all collection activities and that if they fail to do so I will sue them for breaking the Fair Credit Reporting Act Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions 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:
I was recently made aware of fraudulent information being reported on my credit report. After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.

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 2019-12-05
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: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
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:
After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.

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 2017-10-31
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a response from LVNV fundinXXXX, I never got a response from this collection agency until, I contacted CFPB. I 've asked for a resolution and as the company has only provided a bill, but not a copy off the contract according to the FCRA they have n't submitted anything validating the debt to LVNV. I 've asked for this verification and still to no avail has this happened. According also to the FCRA, a copy of the bill is n't validating a debt. A letter was submitted also to settle for a collection amount to XXXX XXXX. 
I 'm asking for your assistance in this matter, please assist with having LVNV provide complete verification as requested according to my rights under the FCRA. I would greatly appreciate it.
I this ca n't be done I am asking that this be removed from all 3 credit bureaus until this debt can be validated and settled. In the letter submitted it stated that we are not admitting that this debt is owed. Please ask for a copy of the letter submitted to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: The Hallstrom Law Firm PLLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX, i was in the market for XXXX in XXXX XXXX CA and opened an acct XXXX but do to relocation to AZ I decided againat the service. The now closed Dental place received a check and insured me it would take 30-60days to return the monies to XXXX. 
In XX/XX/XXXX, XXXX rep. called me about setting up payment i explained the fraudulent situation and was told I still had to make payments on credit trade line until the check was received even though I never went through with the service offered so i did. I attempted repeatedly to reach out to XXXX XXXX about the check being returned as promised to XXXX and was informed they longer did business with XXXX and all further communications had to go through them but the check was sent back in XX/XX/XXXX. The XXXX rep. never confirmed the receipt and I had no discourse to rectify the fraud and stolen money. 
Fast fwd XXXX sold the acct to Debt collector Hallstrom Law Firm PLLC and I again explained it was fraudulent by false inducement of an unknown third party via email to XXXX XXXX XXXX himself who made me feel like there wasn't any alternative other than to pay the debt owed according to settlement agreement and threatened lawsuit if I didn't. In compliance and fear I've been making payments and they still reported negative non payment on my acct. I hired the XXXX XXXX XXXX to open investigation into the acct. and fix my credit. As a result, a dated letter of XX/XX/XXXX, from XXXX XXXX XXXX sent me stating that Identity Theft was confirmed and that related acct to XXXX would be removed from credit report in 30 to 60 days so I reached out to XXXX XXXX via email XX/XX/XXXX and scanned him the letter asking for complete release and closure of the matter including monies paid and he told me the letter does not prove anything and he does not see any reason to close this acct even though its fraudulent. 
Moreover, I reported the fraud to XXXX as it relates to the Hallstrom Law Firm and XXXX XXXX. This is not fair practice and I feel like I've been bullied with no recourse for something that's not my fault nor debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
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:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # 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 2020-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals.

Please see attached documents

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 2016-11-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
TRANSWORLD SYSTEMS INC. never contacted me prior to reporting a derogatory account in XXXX XXXX to the credit bureaus. Furthermore, the account was already disputed with the original loan servicer as a result of identity theft and was past the statue of limitations for collection and reporting retention per California law. I 've learned from the listed original servicer - XXXX XXXX XXXX ( XXXX ) that the fraudulent unknown account was supposedly opened in XXXX of XXXX and no payments were ever made to the account, it went into non-payment went into non Payment in XXXX and is past the statues of limitations for collection in California and for credit reporting retention. However, on XXXX of XXXX, this company that HAS NEVER ATTEMPTED TO CONTACT ME ONCE reported this derogatory account information to the credit bureau ILLEGITIMATELY and FALSELY reported that the last payment received was on XXXX/XXXX/XXXX when no payments were ever made to this fraudulent account nor recorded by the listed original servicer of the alleged account. This is unlawful and against Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: U.S. Auto Sales Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
US Auto Finance has a balance reflected on my credit report which shows charged off. This car was totaled. I did not receive any letters or calls stating that there was a balanced owed. If this company checks my account can they see I called to inquire if my load was covered with the payoff from the insurance company and was told yes. There were no further communication from US Auto.  In years my account was never late!!! I demand this be removed from all credit reports as I have no statement showing what this balance is for or why!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: U.S. BANCORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was hit and my car was totaled in XXXX. I had an extended warranty on the vehicle and there was a refund of the unused portion of that warranty. Because there was still a small balance on the loan and the Title was still with U.S. Bank the dealership refunded the unused warranty money to U.S. Bank. I had payed off the loan not knowing the dealership would send the overage to U.S. Bank. U.S. Bank has been over payed for the loan in the a mount of {$2000.00}. The dealership sent a check to U.S. Bank for {$2000.00} on XX/XX/2020. I have called U.S. Bank 15 times about this matter and they continue to tell me that they do not show having received the check. Multiple Bankers and Managers have promised to look into this matter and call me back. To date I have received 0 call backs. The time I have spent trying to resolve this matter can never be recovered. In my opinion U.S. Bank should be trying to resolve this matter but that has not happened. Please HELP. The names and locations of the 15 people and five call centers I have talked to can be provided if you wish.

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 2019-12-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: SYNCHRONY FINANCIAL
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
i took a certificate of deposit out with synchrony bank. they advertised no cash out penalty. unfortunately my circumstances had me cash out early and they charged me penalty fees. i was told by XXXX and XXXX on XX/XX/2018 that they would charge me fees.

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 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Back in XXXX i had an alert to 4 charges to my capital one card, through walmartXXXX and another vendor out of XXXX. I called capital one and told them it was a fraudulent charge. They supposedly put a stop to it, credited my account and told me to contact walmartXXXX. I then called walmartXXXX and put a stop on delivery. I received and still have emails from capital one and walmartXXXX  stating stops on both. In XXXX, XXXX night @ XXXX the credit disappeared and i was supposedly responsible again. I called capital one again and they launched a supposed investigation. I then recieved a letter stating that my fraudulent charges had been extinguished and not to worry, allow a couple of weeks and everything should be back to normal Now end of XXXX they see that 2 charges were fraud but not the other 2. Capital one has done nothing but harass me with emails trying to collect on a mistake that they made. Constantly emailed or called informing me on ways to pay them on a fraudulent charge. Capital one also informs you that they are recording you but you not allowed record thier confusing, fraudulent dealings on how to take the customers money but pay the supposed seller. I am at the end of my patience and feel nobody is out there to help me.

Company response to consumer: Closed with monetary relief