BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my 14th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}XXXX XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXXL XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX 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 2023-03-03
Company: EQUIFAX, INC.
State: MO
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 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 XXXXXXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am a victim of identity theft. Transunion reported a fraudulent account that was re-inserted on my credit report. I have previous disputed this information three years ago and was removed from all the credit reporting agencies. This old debt from a XXXX company, I never did business was reinserted by a debt collector name XXXX XXXX with a new date as a new debt, I believed that re-aging a debt is illegal. Transunion is the only reporting agency validating this fraudulent accounts after providing all theft reports and affidavits documentation pertaining to this matter .This debt does not belong to me, nor did I have knowledge until my information was stolen XXXX years ago. Please remove this debt and sent me an updated report showing the deletion. The debt collector called XXXX XXXX change the date and report this account as new debt, I believed that is illegal and I will take steps to report them to my Attorney General and XXXX XXXX protection Agency.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Attached XXXX pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand XXXX to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct XXXX but please separate the 1 from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: V and H Portfolio
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 consumer report has improper reporting and has been compromised these accounts are not my accounts i have no accounts with these companies never gave any of these companies authorization in writing to access my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Incomm Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 I made a purchase from XXXX XXXX in the amount of XXXX $ online. XXXX XXXX did not have the product but had charged my Vanilla Visa gift card. XXXX XXXX Issued me a refund, Vanilla Visa Gift card has never honored that refund or given me my money back. 

XXXX I ordered from XXXX XXXX XXXX XXXX glasses cleaner. The eye glasses cleaner smudged my glasses and left a residue so I returned the cleaner to XXXX XXXX who issued me a refund to my Vanilla Visa Gift card of XXXX XXXX Vanilla Visa Gift card never re applied this money to my balance. 

On XX/XX/2023 I purchased a dress and some flip flops from XXXX XXXX for the price of XXXX I was charged this but the store realized they did not have the product. It was again an online purchase, XXXX XXXX assured me repeatedly that they had done an instant return to my Vanilla Visa Gift card and the money should be back on my card. Vanilla Visa Gift Card did not give me my money back. 

I have called the Vanilla Visa Gift card customer care hotline :XXXX dozens and dozens of times trying to get through. No one ever answers no matter how long one is on hold and I have been on hold for literally hours altogether. This past week I wrote Vanilla Visa Gift Card customer care a letter addressed to : Vanilla Gift Cards XXXX XXXX XXXX XXXX, GA XXXX I have gotten no response. I am writing this letter with the complaint that Vanilla Visa Gift Cards is keeping money owed to me on transacrtions that involve refunds to my account. I feel this is fraudulent and illegal. I am asking for your help to resolve the issue. Please help me as I feel like I have done everything I can to solve this problem. I thank you in advance for any help that you can give, Once again Vanilla Visa Gift card is in debt to me for XXXX {$8.00} $ and XXXX $ I don't want this issue to get any worse than it has gotten nor do I wish this to happen to anyone else. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I got emails from XXXX about new derogatory mark on my credit report. 
As it turned out that was collection account opened by Credence Resource Management LLC on total {$110.00} pointed as past due XX/XX/2023. 
I have never got any letters ( debt verification one ) from Credence Resource Management LLC related to this debt. I don't know information about that debt, who original creditor is. 
Moreover, as XXXX  XXXX resident I didn't get any notices that some original creditor sold the debt to third party ( collector ). 
This unlawful actions from Credence Resource management LLC breach my right to dispute the debt ( if it exist ) and damage my credit report which in turn gets worse my financial stability.

I don't exclude that Credence Resource Management LLC use false and fake information as fraud tool to made me pay off non existing financial obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  has reported our account deliquent for over 120 days while we have been in an Forbearance agreement. I asked several times and they even reported XXXX and XX/XX/2023 and I called. They made corrections to mine but not my husband who is a co-borrower. During this period I one of my other recurring accounts was closed because they said I was credit risk. We denied as cosigners for my daughter 's student loan which we desperately need. I am attaching the credit correction letter sent to XXXX today as well as the credit notice from XXXX credit monitoring for my husband XXXX XXXX as well as the Forberance agreement. Our credit is effectively ruined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/ I was reviewing my credit reports and found out there is a Bread Cashback American Express Credit Card ending in XXXX. This account has been opened fraudulently by someone else than myself. I have no knowledge of this account and have not authorized Comenity to open the account or check my credit. Despite efforts to contact Comenity, I have been unable to remove the account from my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Resurgent Capital Services L.P.
State: OH
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 been trying to rectify a collection account on my credit report for over a year and I am at my wits end. I originally had a XXXX XXXX account with XXXX and was having no issues until the XXXX XXXX. I am now XXXX and was given a payment plan to have my payments reduced in 2020 due to a financial hardship. I made all of my agreed upon payments. At the time my balance was approximately {$3000.00}. After about 90 days, I was told my payment plan was no longer valid and my balance ballooned to over {$10000.00} due to interest accrual. I was informed that I was given erroneous information about how long my new plan would last and was sorry for the misinformation. Soon after, my account was sold unbeknownst to me to another company for collection. I did not authorize my personal information to be given to anyone. There are now 3 companys sending threatening letters and have my PERSONAL information in their possession. The companies are Resurgent, LVNV LLC and now XXXX XXXX XXXX XXXX is sending threatening letters. I understand XXXX charged off this debt and sold this account to these additional predators. This is wrong and I have sent numerous letters to XXXX, XXXX and XXXX to no avail disputing this account from LVNV and the amount owed as I do not know who they are or how they got my personal information. I definitely did not sign any contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/ was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was informed by Bank of America on XX/XX/2023 that there was fraudulent activity on my account. There were two charges for {$1100.00} totaling {$2200.00} and a bunch of small charges adding up to XXXX totaling the amount to {$2300.00}. After dealing with the claims department I received temporary credits for one of the {$1100.00} charges and all the small ones ( {$52.00} ) totalling {$1100.00} on XX/XX/2023 which are now permanent. There was no reimbursement for the other {$1100.00}. I called Bank of America 's claims dept and asked why I didn't receive a credit for the 2nd {$1100.00} and they said that whoever handled the claim made a mistake and that they were going to file a new claim for the missing {$1100.00}. On XX/XX/2023 a temporary credit was put in my account for {$1100.00} and then on XX/XX/2023 the {$1100.00} was taken back out of my account. I called Bank of America to find out why and the agent I spoke with said that whoever handled previous claim on XX/XX/2023 made another mistake by making a new claim and the back office saw it as a duplicate and reversed the transaction. This agent said she was going to make a new claim with notes saying that its not a duplicate and I was temporarily reimbursed for the {$1100.00} again on XX/XX/2023. Then on XX/XX/2023 the credit was reversed again because the back office thought it was another duplicate. Since then I have spoken with a number of agents trying to find out what it happening. Everytime I speak to them they say whoever handled it before made a mistake and they are going to fix it. They claim that they are reopening the original claim which started on XX/XX/XXXX and XXXX have to wait another 45 days for an answer. I just spoke with them 18 days later and theres still no progress. I've been dealing with this since XX/XX/XXXX about 4.5 months. They've mishandled this claim and my money so many times I have no faith I will ever see this {$1100.00} again. No one at Bank of America has taken any responsibility for how poorly they have handled this claim and at the end of the day it's me who has to keep calling them to see whats happening. Usually to find out they messed up once again and all the can offer a " sorry for your inconvenience " apology. They need to be held accountable for mishandling this claim so many times.

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 2023-02-23
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the collection accounts associated with my name. Specifically, the accounts with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Regarding the charge off account with XXXX XXXX ( account number XXXX ), I have no record of ever opening an account with this company. I believe this account was opened fraudulently and without my knowledge or consent. Therefore, I request that this account be removed from my credit report immediately. 

Regarding the collection account with XXXX XXXX XXXX XXXX XXXX. ( account number XXXX ), I am willing to negotiate a payment plan to resolve this account. Please let me know the options available to me. 

Regarding the collection account with XXXX ( account number XXXX ), I do not dispute the validity of this account. However, I am currently experiencing financial difficulties and can not afford to pay the full amount owed at this time. I request that a payment plan be established to resolve this account. 

Regarding the collection account with XXXX XXXXXXXX XXXX XXXX XXXX ( account number D XXXX ), I have no knowledge of this account and request that the debt be validated before any further action is taken. 

I am committed to resolving these accounts and improving my credit standing. Please let me know the next steps to take in order to resolve these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment in XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. At the end of the lease I was charged {$3400.00} for early lease termination and a remaining {$10.00} for water/sewer charge. The total was {$3400.00} as a remaining balance and that total sum was paid by check # XXXX which posted on XX/XX/XXXX. It was confirmed by the apartment management that the account was settled and closed in XX/XX/XXXX. 
National Credit Systems , INC . 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has persisted in attempting to collect a debt that was settled. I received constant collection calls and letters despite all indications that the apartment management has listed the account as paid and did not turn this account over to collections. National Credit Systems , INC requires all correspondence be sent via postal mail, but will not acknowledge any information I send them. They have reported to all three credit agencies that I have a delinquent debt for the months of XXXX and XXXX which has dropped my credit rating nearly XXXX points. Despite contact from both the apartment management and myself they will not remove this collection debt unless I pay them and additional {$3400.00}. I have attached a copy of the posted check, the account ledger from the apartment complex, a screenshot of an e-mail sent from the apartment manager to the credit agency stating they were informed in XXXX that the account was settled and should not be in collections, a copy of a letter received from National Credit Systems dated XX/XX/XXXX stating the debt still stands, and a screenshot of an XXXX credit report showing the false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: SC
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : 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