BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I wrote to Transunion informing them of incorrect information stated in my credit report as I received a copy of my credit report from them. They have failed to provide the documents I have requested to verify any contract between me and these companies listed on my report. I have expressed my right to demand the documents recorded and retained in their files under the Fair Credit Reporting Act 15 U.S.C 1618g as the accuracy of these disputed accounts is questionable. 30 days have passed and no valid verification of my signature and contract has been provided. 
The alleged accounts on my credit report are : XXXX XXXX XXXX which they did not provide an account number and proper verification IC System which they also have not provided the account number and proper documentation as I have no idea of this debt, t & finally XXXX and XXXX which yet an account number and proper verification, including my contract has not been provided. 

I have requested a deletion of the above accounts from my credit report as it is negatively affecting my ability to get credit and hurting my reputation. Under 15 U.S. Code 1681i, all unverified accounts must be promptly deleted and this has not been done, better yet in the time allotted of 30 days.

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 2017-07-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
2009 loan was taken out w/Santander Consumer USA, worst ever customer service, management. late fees and repossession fees were incurred loan was restructured due to financial hardship that was reflected on credit reports balance was at {$1.00} then Santander came up with having new rules and regulations about fees etc and put over {$1700.00} worth of fees back onto my balance, no notification of new policies or rules no type of correspondence at all a rep to say do n't be mad at me but these rules just changed. my credit reports reflect the balance change and they are reporting late due to this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-05
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:
I am a victim of identity theft.

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 2018-12-01
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: Problem with personal statement of dispute

Complaint:
University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today I called the dispute resolution center for XXXX and Transunion to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the NCAP or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the NCAP or CFPB. They went as far as to refuse any knowledge of the existence of the NCAP and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the NCAP, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on Transunion and XXXX. I have attached copies of the items in question so a quick review can confirm they do not comply with the NCAP and should be deleted immediately and permanently.

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 2022-06-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So me and my roommate were staying at an apt complex ( renting ) we were there from XX/XX/XXXX to XX/XX/XXXX the managers there stole money from us and we're overcharging for services that was not given. On the other hand we had charges for things that weren't even listed for the the charges were for. When we found out we threatened to take legal action and was then refunded only a portion of what was owed to us. It was refunded on a gift card purchased from a XXXX which was very unprofessional and showed that they knew they stole the funds and was caught by us. Before we moved in on XXXX XXXX The same management company had rented us another apt at their sister complex which was very uninhabitable it had a very bad infestation of cockroaches, mold on the wall and very dirty cabinets. So bad we slept in our vehicle and motels because It was very unlivable. When we complained about it they offered us to the place we moved to on XXXX XXXX. After we caught them in the act of stealing we wanted to leave. They told us we had to pay XXXX dollars to break the lease. We hired an attorney and he contacted them and they immediately said we can leave without paying any fee 's stated. We left the place in immaculate shape and very clean with no damages. When we turned in the keys they did not offer us a walk through. So thinking everything was good me and my roommate moved on. Next thing we know they had reported fees and charges from what they claim were damages in the apt . Never contacted us, e-mail or called about these charges but sent it to a debt collector Columbia debt recovery service LLC XXXX on XX/XX/XXXX which was about a month after we moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2021, I sent CITI a letter informing them of their insufficient responses, lacking the necessary and required documentation to several billing errors I disputed on my credit card statement. Notice is attached. 

Citi failed to provide any of the necessary documents with the merchant responses or ask for further information requests. The letter failed to provide the detailed description card furnishers are required to provide or notification of, and, the merchant 's response. To date Citi has failed to supply many required documents per the cardmember agreement, Fair Credit Billing Practices Act, and the VISA dispute resolution process. By denying this claim without completing and complying with your contractual and legal obligations, CITI is committing multiple violations. The remedy for these violations is CITIs inability to collect on this debt. 

The charges in question are : XXXX REVERSE XXXX XXXX XXXX XXXX {$120.00} XXXX REVERSE XXXX XXXX XXXX XXXX {$330.00} XXXX REVERSE XXXX XXXX XXXX {$490.00} XXXX REVERSE XXXX XXXX XXXX {$290.00}

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 2018-02-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN XX/XX/2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Starting XX/XX/XXXX, my credit report received a notice of a NON PAID DEBT currently in " Collections '' from a Company called Franklin Collections in XXXX, Mississippi which they reported as a " DEBT '' Owed XXXX XXXX XXXX. I have never lived in Mississippi. NOW, Franklin Collections is sending adverse information every 2 days to the Credit Reporting Bureaus in violation of Federal law related to " harassments ''. I filed a dispute with the Credit Reporting Bureaus requesting proof of debt, date debt was incurred and any other information related to this debt. Franklin Collections filed a false " certification '' of the debt to the collection bureaus and did not provide a copy of he " proof ''. XXXX XXXX XXXX does not have authority to even operate in Mississippi according to he Mississippi Public Service Commission. I am not aware of any amount due to XXXX XXXX XXXX. Company : Franklin Collections SV, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX. TEL : XXXX. There are numerous of Federal Law and I request you take federal ( Fair Credit Reporting Act ) action against this company as Congress has given you enforcement authority. The date of the debt is wrong as it shows the debt was incurred in XX/XX/2019 which is false and proof that the company violated federal law! There is no collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: ID Analytics, Inc.
State: LA
Product: Credit reporting, credit repair services, 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:
I have tried several times to reach this company to request a copy of my credit report, opt-out of credit offers place a security freeze on my consumer file. 
I have reached out by phone, fax and email

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Rep said he didnt care about my rights, rep said he knows the federal law and still will not delete or dispute any info on my report. Rep stated that he knows its my rights and understand my rights but their policy states they can not help me. I wants 2 accounts and all hard inquiries removed. Equifax should not be responsible for holding any any of my personal info. They need to delete all accounts and collections. They have no respect of our rights. XXXX iD number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Social Finance, Inc.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a money management checking account at SoFi bank that currently has a balance of {$1100.00}. Since XX/XX/XXXX, I have been unable to access the funds in this account as a temporary restriction has been placed on my account. 

In reaching out to SoFi on XX/XX/XXXX, I was told that I would need to speak with the XXXX XXXX XXXX. Calling the phone number given to reach the XXXX XXXX XXXX provides me with a message stating : that there is no one available to take my call. But to please leave a message with my name, phone number and reference number so that a member of the team may follow up with me. Naturally, I followed these directions ; however, no follow up call or communication of any kind followed the voice message left on XX/XX/XXXX. 

On XX/XX/XXXX, I left a voicemail with the XXXX XXXX XXXX stating the I would like to close my account as I did not have access to the funds within my account nor was I being provided assistance in gaining access to these funds. This voice message went unansweredas did did numerous messages over the next few months left with SoFi requesting that my account be closed and my funds returned to me. The most recent message was left XX/XX/XXXX. This message has not been answered. 

It is extremely frustrating to have my messages ignored by SoFi..especially since I have followed their directions in terms of proper communication with them. It is also frustrating and puzzling that I can not access the funds in my account and that SoFi is actively preventing me from closing my account. Any help that can be provided in closing my SoFi account and having my funds immediately returned to me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 
Account No : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX  XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, XXXX and Trans Union respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by XXXX I then contacted XXXX Via phone and email, their phone reps said it was a mistake made by TransUnion, and it was not their fault at all. THEN I contacted TransUnion Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. 
I started to do some research, apparently this happened to a LOT of people. By this point XXXX and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX TransUnion has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, XXXX claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks

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 2020-04-22
Company: JPMORGAN CHASE & CO.
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:
Someone used my previously unused Chase credit card fraudulently for months. I was never notified of the use and it was obviously not mine. I reported fraud and the credit card company agreed and also agreed to remove it from my credit report which has still not happened. They reported it past due XXXX and XXXX of 2020, I only discovered it due to seeing it on my credit report at which point I immediately closed the account, reported fraud and disputed the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, in my bank account in Chase, there was an unauthorized transaction of {$400.00} through XXXX. I called as soon as I saw the notification on my phone saying I had sent all my money that was in my bank account to a stranger. I filed a fraud claim to the Chase Fraud Department  and they said I would get my money back through a check. Weeks go by and I hear nothing. I call in to see what is happening, and they say that my claim was denied. They said they had no proof or evidence that it wasn't me. At this point I was really stressed and frustrated to see that their security had failed to recognize any type of evidence that it wasn't me, because I knew that I had never done such a transaction, who would send all the money in their bank account to someone they don't know? They said there was NOTHING I could do. How frustrating is that? I went to the police station, I filed a police report because clearly someone had my information and was gaining access to my bank account to even be able to do that transaction. With this, I was hoping for them to be able to re-open my claim and allow me to get my money back. I called and I told them that I filed a police report and if I was able to fight for the claim to re-open, they said no. That left me with nothing else I could do but to write a report here.

Company response to consumer: Closed with monetary relief