BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, AP 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 2023-10-16
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$1800.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-11-13
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I switched to a new XXXX and transferred all of my XXXX XXXX cards to the new XXXX. All of them transferred successfully, except my credit cards from Citi Bank, which were immediately flagged as " fraud '' and frozen, so I could no longer use them. This is the fifth time in five years that I have had this problem. It occurs every time I switch phones or get a new XXXX XXXX and every time I have to call to resolve it. 

On the same day at XXXX EST, I called Citi Bank to try and cancel my account because I did not want to deal with these issues anymore. Citi informed me that they would not close my account until they verified my identity and the only way to do so was to send me a text, but that it could NOT be to my phone number, the number I have had on file since first opening my account with them, and for over 15 years. They further said that I could provide " any '' phone number and they could send a text to it to validate my identity. I do not have another phone number. 

The agent escalated to a supervisor who repeated it and said they would send me a letter before saying " Okay goodbye '' and disconnecting the call. 

I called back on that same day at XXXX EST. The agent again refused to close my account or take any action whatsoever because they could not send me a text.

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 2020-04-16
Company: Netspend Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
Account ending XXXX An ACH deposit from a settlement, XXXX, in the amount of {$10.00} was being held pending verification on XX/XX/XXXX. As requested by Netspend, I called in to verify, spoke with several reps, confirmed the amount and the sender.. Reps were explained the amount is due to me, a settlement payment, reps claimed transaction can not be processed because my name is not on it when other ACH deposits from XXXX  by XXXX XXXX have processed without my name with no issue. The amount, {$10.00}, was debited on XX/XX/XXXX from my account and credited back on XX/XX/XXXX. Needless to say, the item was rejected back.. A XXXX with Netspend Corporate office tried to infer the issue was resolved stating the amount was credited back, ignoring the fact the item was debited prior and the amount is due to me.. His reply was submitted in re to a XXXX  complaint filed, ( XXXX XXXX XXXX ) , which is unresolved. I believe the item was rejected in error and request Netspend credit the amount to resolve issue

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 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I received 2 alerts, one from capital one and one from XXXX XXXXXXXX XXXX that these establishments pulled my credit. XXXX XXXXXXXX XXXX did an inquiry on XX/XX/2022, Capital One did an inquiry on XX/XX/2022. I am not applying for any new credit so I believe someone is trying to open accounts in my name. I got the run around by both banks, transferring my to department after department until the last department said their offices are closed until Monday XX/XX/2022. I will contact the credit bureaus tomorrow, Monday XX/XX/2022 to file a dispute and possibly freeze my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated theis account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This was already included in my prior Ccomplaint, and I'm including it again. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently had a collections account added my credit from I.C. systems Inc. I have no reciliation of any debt owned. I have never received a letter in the mail, email or phone call regarding this debt. The debt just appeared on my credit report. For this reason I was never given the opportunity to dispute and never given an account number to reference the debt. When trying to file a dispute on the I.C. Systems website it ask for a full account number linked to the debt. However, because I have never received notification of the debt, I do not have the full account number to dispute, only the few numbers listed on my credit 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 2022-04-24
Company: JPMORGAN CHASE & CO.
State: NY
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:
We reserved a hotel with booking.com. In XX/XX/XXXX at 2022, I flew with my family to XXXX. We stayed at the XXXX XXXX XXXX DOWNTOWN until XX/XX/2022. Our reservation was scheduled to end XX/XX/XXXX. Unfortunately, we couldn't stayed until the XXXX. We spoke with the hotel administrator and explained the situation. They said that they were only charge us for the days we stayed with no penalties and they were going to refund what was left in our account with the remainder of the days with 5 to 10 business days. This didn't happen and i contacted Chase and open a dispute. Chase said that the dispute went in favor of the other side. Immediately I informed them I was not agree with the resolution. They open another claim and today XX/XX/XXXX, they haven't resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX today XX/XX/13 asking about the debt that I wasnt aware of and they checked all my info in their system and they said it is indeed fraud and to dispute it

Company response to consumer: In progress
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After, Reviewing my full credit report. Majority of the credit inquiries on my report have not been authorized by myself, XXXX XXXX. Or I have no knowledge of why they are on my report at all. I would like them all removed or verified immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: VA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$570.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$570.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX type Single family I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under XXXX XXXX guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX 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 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 2022-06-27
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Frequent her raising with threats to sue. Also contacted ailing family members and ex husband. My credit has suffered significantly, and messages are still left on my mothers phone - even during pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: FMA Alliance, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know who this debt collector is. I never done any business with this company that goes by FMA Alliance Ltd. How did this company get my information? How did this company I have no contract with get my phone number and has been harassing me everyday with repeated phone calls, As a federally protected consumer I have the right contact a debt collector to grant them the right to contact me. I never gave this company consent to contact me. I never gave this debt collector consent to contact me. I have received abusive letters by mail. Why is this company asking me to pay cash money to them when I don't have a contract? 


I'm alleging that i don't owe this allege debt this company. I don't owe any debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I'm trying to contact Comenity Bank to make a payment on my XXXX XXXX XXXX. The account was closed, however we were told we could still make electronic payments via the website. When I log onto the website, it states ' that my account is closed. When I called, the offices are temporarily closed due to unforeseen circumstances. I have paperless billing, therefore I don't even know where to mail the payment, and cant reach comenity via phone. I'm worried this is going to ruin my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: AMERICAN HONDA FINANCE CORP
State: LA
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  account # XXXX American Honda Finance, has violated my rights. 
15 USC 1681 Section 604 A Section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has spotted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637B.

This account was reported incorrectly four times on my credit report. I have sent a letter requesting the remove, but the company only updated the payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: MI
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:
Experian, XXXX, and XXXX XXXX are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico score.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: NM
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:
They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: MI
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 disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX 
{$420.00} XXXX, Experian and XXXX fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.

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 2022-07-28
Company: EQUIFAX, INC.
State: NM
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:
They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: CA
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief