BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXXXXXX XXXX XXXXXX/XX/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. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.

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 2018-03-02
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
- XX/XX/XXXX Purchased two XXXX prepaid card each with {$500.00} value in it at XXXX - Card arrived but they don't work. Can't make purchase any retail or online stores, like XXXX, XXXX, XXXX XXXX and so on. ( The original not-working prepaid card is attached ) - XX/XX/XXXXFirst replacements request. The replacements didn't arrive. 

- XX/XX/XXXX 2nd replacements request. The replacements didn't arrive. 

- XX/XX/XXXX Requested refund, and the agent said that it may take up to 30 business day and two checks of {$500.00} values supposed to be issued by XX/XX/XXXX at latest. The agent name is XXXX and she said she is the only female supervisor there. 

- The missing replacements of the original XXXX prepaid card arrived but already invalidated due to the request of refunds. 

- Never received any checks. 


The ticket number with this issue is TICKET # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18
Company: ALLY FINANCIAL INC.
State: DE
Product: Credit reporting 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 have inquiries on my credit report that I didn't authorize..

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 2023-10-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed a check at the Post Office in XXXX on XX/XX/XXXX. I went inside the Post Office to mail it. The check was stolen from the Post Office and washed by a Thief. I have filed a Police Report with the Postal Service. 

The check was " washed '' from {$30.00} to {$3000.00} and cashed on XX/XX/XXXX right before the XXXX XXXX XXXX. I checked my account the day after XXXX XXXX and noticed the fraud check. I immediately called the bank to report it. 

I never heard anything back after a week so I called them back. They said it was coded as a 'check dispute ' and not as a 'check fraud ' and they would be in touch. I never heard back. 

I called them again and they said they would send me an affidavit. They suggested that I go to the branch and have their Banker assist me with completing it, having it notarized and faxed over to them. I did that on XX/XX/XXXX. 

I never heard back so I called them again. They said they received the affidavit but they needed more supplemental information. I gathered it all and faxed it over to them 3 different times. I never heard back. 

So I would call back each week and inquire about the status and each time I was given little bits of information. If I did not call them I would not have known that the faxes were not received/ not readable. 

Each time I called I asked for an InvestigatoXXXX to call me and update me since the Customer Service reps only had limited information. The last 2 times I've called I filed a customer complaint and was told that someone from the Executive Team would call me back. 

I called them back again on Friday XX/XX/XXXX and asked why I have not received a phone call. They said they tried to call me and could not reach me. That is a lie, no one has every called. 

I've called them for 8 weeks in a row and have never gotten a phone call back and am always told I will receive a call in XXXX hours. I never have. 

I did receive a letter from them saying that they are requesting the money back from the Thief 's bank and that will take XXXX days. 

I am in need of my funds right away as I have an XXXX parent that I support and can not go without the funds much longer. The bank ( s ) made an error in cashing the check. It looked horribly fraudulent and sloppy and had my account number from the utility company in the memo line. I have never written out a check for that amount to random person in the 30 years I've used this bank. 

Please offer any assistance you can since the bank has ignored me for 8 weeks.

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 2022-10-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have new and updated information. Please see attachments. Failure to comply will result in a private right of action. The accounts related to the attachments are : XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXXXXXX XXXX - XX/XX/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 2017-11-17
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation,  Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report DOCTORS BUSINESS BUREAU XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion emotional stress me out and for storing, sharing a furnishing Collection account they deleted and put back on with out following the law It is my understanding that under the FCRA, you should have notified me about this first in writing in 5 business days.. Transunion willfully and intentionally continue to share, furnish inaccurate information an never showed me proof that. This cause me to lose employment opportunities. Transunion neglected to do their graves responsibilities and a reporting agency making sure consent was given witch is an invasion of my privacy.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-07-09
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing this letter to dispute the erroneous reporting account on my credit report provided by your bureau. The details of the disputable accounts are as follows : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2019. I request you to evaluate this reporting by revising the information provided. According to my understanding, a charge-off account should show a {$0.00} balance. However, in these cases, there is a balance of {$100000.00} and {$110000.00}, respectively. I urge you to remove these erroneous reporting accounts from my credit report as soon as possible. I would like to bring to your notice that XXXX has already removed these accounts from their records, as they found an error present. However, I am confused as to why your bureau has verified it, while the other bureaus have removed it. Please delete these accounts from my file as they are inaccurate, erroneous, incomplete or unverifiable.

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 2021-07-09
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have my mortgage payments set up thru Autopay with my mortgage. In addition to my regular monthly payment I have elected to pay and additional amount each month towards principal. Every single month since I have set this up, the amount that is supposed to be applied to additional principal has been misapplied by my mortgage. I have to call every single month and have this corrected. I feel that this should not be happening and I also feel that they are hoping that I am not checking so they can continue to collect interest on my account instead of applying the payment towards my principal. I have asked every time I call, which is every month, why this keeps happening and no one has an answer as to why this keeps happening!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-07
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been dealing with XXXX XXXX  and XXXX XXXX since XXXX on this matter to no avail. They charged me for my phone on XXXX on my XXXX XXXX  Bill and my XXXX XXXX card in the amount of {$420.00}. I paid this in full on my XXXX card months ago. 
They turned me into Convergent ( account # XXXX ) ON XX/XX/2022. 
I tried resolving this through the XXXX  and this has been a nightmare. 
They wrecked my credit score and I want them to fix it. 
I need help please. 
I am going back to teaching school next week and have no extra time to deal with these people. SHAME on XXXX. 
I appreciate any help that you can offer me. 
Warmly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit 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:
I have 2 defered payment interest free promotional charges from Synchrony Bank I had been making the reqired monthly payments The XX/XX/2022 statement showed a " New Purchase ' '' of {$2300.00} which did not make I called and was advised it was an allocaion error and would be resolved I called every month and spoke to a different person each time They assured me it would be resolved I decided to pay off the balances on each purchase hoping it would fix it ] I receivedd a letter on XX/XX/XXXX saying my balance was {$0.00} My XXXX statement showed a new balance of {$780.00} Why? I paid up in full I have spoken to customer service, collections, payments processing and fraud departments. I can never ge a single person to work with, they say they can not call me back ( they only take incoming calls ) and after an hour on the ph0ne I get cut off I have a record of all the people I have spoken to over the last yesr Now they say i owe over {$800.00} and they reported me as delinquent and dropped my credit score 110 points

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 2023-12-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed a copy of my credit report, and I was surprised to learn I am a victim of identity theft. I've found multiple accounts on my report and they were not authorized by me. This is hurting me because I am in the process of buying a home for my family. Please remove it from my credit report as soon as possible.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: OH
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 had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents EXPERIAN. COMXXXX. This is effecting my livelihood. It is effecting my ability to run my business.

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 2023-08-26
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: Account information incorrect

Complaint:
I've contacted XXXX XXXX multiple times via phone and written letter. 
Currently on my credit reports showing inaccurate payment history. This is affecting my ability to obtain new lines of credit and life and need to be updated accordingly. I have kept this account current with no foreclosures or 3rd party collection agency being involved. The house was sold and the loan paid off.

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 2024-01-21
Company: BARCLAYS BANK DELAWARE
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:
i recived a letter in the mail that someone has attempted to open up an XXXX in my madien name. i pulled a credit report andi had a few hard inquiries on 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