BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: MI
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:
There were two account that showed up on my Experian credit report that were opened on XX/XX/2019. I saw them on credit report starting XX/XX/2019. Both of these account are of XXXX XXXX XXXX.  I called Experian to dispute these accounts ( around XXXX XXXX ). The representative told me that I have to contact XXXX XXXX XXXX. I called XXXX XXXX XXXX, and was told that I do not exist in their system. They couldn't find anything under my name and SSN. Thus, I went back to experian and disputed it using their online dispute services on XX/XX/XXXX. On XX/XX/XXXX, Experian responded saying that XXXX XXXX XXXX has certified these accounts and they will stay on my credit report. 
I contacted XXXX XXXX XXXX and was treated rudely by their representative, because she couldn't find any account under my name, while Experian is showing two account that I never opened. 
None of these companies are trying to help me resolve these, as both of them are referring me to each other for dispute these activities. 
One account has balance of {$1500.00} with credit limit of {$14000.00} Second account has balance of {$1900.00} with {$5500.00} credit limit. 
Because of these activities my credit score went down 11 points. 

Also, there is a wrong address showing up on my report, which is reported by XXXX XXXX XXXX. I  tried to dispute that, but Experian is not removing it from my report as well. Other two credit bureaus, ( XXXX and XXXX ) has none of these information on their credit reports.

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 2022-11-14
Company: CITIBANK, N.A.
State: MA
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 or about XXXX XXXX, XXXX I noticed in my email account that all of my payments " thank you for payment '' and " payment confirmation '' emails back to XX/XX/XXXX, have been Removed ( without my notification ) to make it appear that I have not made these payments, which I definitely have made. I believe that this may be a retaliation tactic for my court case coming up this week against XXXX. I am seriously concerned of this attempt to financially do fraudulent damage to me. I did make many calls to the customer service this past week, for this account and was told that there is a problem resending my the removed emails. I want those emails resent to my email account. This is not an online account but only I get payment receipts confirmation emails. I did do a test small payment of {$10.00} on XXXX to check on the site. The removal of these payment receipt emails I Believe is intentional to harm me legally and financially, I am near XXXX yrs old, XXXX, indigent and have dangerous XXXX XXXX and this situation is causing me enormous duress which can literally 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 2021-05-12
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MD
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: Other problem getting your report or credit score

Complaint:
NCTUE : I spoke with. Representative over the phone because I was unable to verify my identity over the phone due to identity theft. I mailed everything I could in. I sent. Copy of my bank statement due to the fact that I do NOT have ANY utilities in my name and have not had any for quite some time. After a long wait. I received a mail response that they could NOT process my request. I need this report due to identity theft. Why am I being punished for someone using my identity?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, I am writing to dispute an account on my credit report that was opened fraudulently using my personal information. Ive tried filing a dispute many times with both the credit bureau XXXX XXXX and the actual company but still nothing has changed. My name is XXXX XXXX, and i was a victim of identity theft. The account in question does not belong to me, and I have never authorized its creation. I believe this is a result of identity theft. 
Please investigate this matter promptly and remove the fraudulent account from my credit report. I request copies of all documents related to this dispute. 
Thank you for your immediate attention to this matter. The name of the company is XXXX XXXX  and out by 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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023, I received an email notification that the PIN had changed on the card for my unemployment insurance ( that I had not received ). The card had been placed in the mail, but I had not received the card. I immediately checked my account at Bank of America and saw that funds had been withdrawn. I called to file a claim for fraud, put a stop to the card and had another card issued. I was told it could take up to 90 days to review the matter. The following day, I received an email from ID Notify regarding a breach of my information. ID XXXX provided me with the individual that had accessed my information on XX/XX/2023. This individual is a Bank of America employee. I forwarded this information to Bank of America via email. I later found out that they do not accept emails. I called Bank of America on XX/XX/2023 regarding the investigation. At that time, I was informed that the claim had been denied. I requested any and all information and the file to be mailed to me. I have not received any mail on this investigation. The representative stated the denial had been mailed. I confirmed my mailing address. I have yet to received the denial or the file from Bank of America. I faxed the ID Notify and other documents to show that I was not involved in this fraudulent transaction and that the individual involved is a Bank of America employee. Despite the evidence, this claim was denied. I have experienced fraud by the very bank that provides a service through the government. This data breach is disconcerting, as it goes to show that not only was the data breach not taken seriously, but that other consumers are at risk of the same. This concerns Bank of America 's data governance and lack of concern for breach and transmission of data. This is a serious matter, as it goes directly to Bank of America 's risk of breach by potential hackers. Lastly, I reported this to the FDIC and they have responded that they have forwarded my complaint to CFPB. 

Attached is the correspondence regarding the PIN change, the confirmation that Bank of America had received my claim, and the ID XXXX induration regarding the data breach. Upon receiving the information about the data breach, I followed up with a search for the named individual and found that she is a Bank of America employee. My data was breached on XX/XX/2023, a day prior to the withdraw. The Bank of America employee XXXX is shown here : https : 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 2023-07-05
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about XXXX in XXXX minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX financial loan was approved online but never picked up by the scammer and an XXXX account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report XXXX times and I still have not received from Equifax and XXXX. I have tried to explain I did not open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2016 There Was A Bankruptcy Filed And The Credit Bureaus Accumulated This Information Shortly After. I Have Had This Bankruptcy On My Credit Profile For 6 Years And Since Then I Have Been Denied For Almost Everything I Have Applied For Since Then. My Living Situation Has Changed Drastically Because Of This Bankruptcy On My Credit, And It Is Prohibiting Me From Moving Forward In Life Successfully. This Is Fraudulent And The Credit Bureaus Have Committed Several Violations According To The Fair Credit Reporting Act. I Myself Called The Bankruptcy Court And They Stated They Do Not Report Bankruptcy Information To The Credit Bureaus. I Have Never Given The Credit Bureaus My Written Consent To Furnish Any Of My Information Including Personal Or Credit Information On The Credit Profile That Has Been Created For Me. 

In Accordance With The Fair Credit Reporting Act, The List Below Has Violated My 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) 5 ) : 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 1681 ( a ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2022-11-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ask the three credit bureaus to check and see was the information on my reports correct and no one got back with me about the XXXX accounts that's on my report none of the information matches at all the accounts numbers, dates, reported dates, last reported dates XXXX  XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX  XXXX # XXXX If, after reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I promptly deleted that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # XXXX, 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 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 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
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 have XXXX hard inquiry 's Damaging my credit score that were from over XXXX years ago, Please Remove ASAP XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-10-14
Company: EQUIFAX, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Resurgent Capital Services L.P.
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 contacted XXXX XXXX XXXX  back on XX/XX/2020 to validate a debt that was showing up on all 3 of my credit reports. XXXX XXXX informed me that they sold the debt and refused to remove the account from my credit files. I also contacted LVNV Funding in writing on several occasions and I have not received validation of the debt or anything in writing from both of these companies and the debt remains on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Over the past few years my identity has been compromised in over 36 security breaches from the following companies : XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

Transunion : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane  Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX Auto-Bank XX/XX/XXXX XXXX  XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm  Misc Inquiry 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 explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX is continuously reporting inaccurate information. I have submitted documentation countless times regarding my name. My name is XXXX XXXX, not XXXX XXXX. I have been divorced for yrs, I do not use the last name XXXX. 

So to repeatedly contact me and boldly state my file will remain the same with XXXX XXXX is unacceptable. I dont know who XXXX thinks have the time or patience to go back and forth over the same issue for yrs. Im not doing it. Fix my file. Imtired of using stamps and paper and the issue is STILL not resolved in XXXXMy name is XXXX XXXX , want me to spell it and sound it out? Documentation is attached, which XXXX already has this. Imtired & Im done.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is not reporting correctly, XXXX has some discrepancies and Transunion as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.

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 2022-03-30
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Citibank on XX/XX/2022. I called Citibank to report that I did not request a debit card and do not have an account with them. After being transferred three times, no one could seem to help me. I reported to the XXXX XXXX XXXX, and put a fraud alert on my credit report. I could see that they ran a credit check through XXXX. Today, XX/XX/2022, I received a book of checks. I called Citibank again. This time, I was connected to the fraud department. The gentleman on the phone refused to give me any information, but did state that they would open a fraud investigation. I still have no information about how or when this account was opened.

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