BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Account was hacked and login information including address changed so that thieves could have physical debit card mailed to their address. I was not notified in any way that information had been changed from the bank. I opened new account and transferred money into new account and froze the account that had been hacked. Within one week of new account opened and absolutely no online transactions banking authorized {$10000.00} was transferred from my new account back into the old account that I had frozen. The Bank refuses to or denies any capabilities to find out who where or what made that transfer from the new account in which no online banking was authorized and account was supposedly locked for anyone including myself to do so without personally going into the bank and showing proper ID. I now have around {$11000.00} floating around at bank supposedly frozen that I am being told I have to wait for. The Bank could not even tell me how long I am going to have to wait for it to clear and them be able to refund my money and permanently close all of my accounts with the bank. I am not being forced to employ credit ID fraud company to monitor my accounts in an attempt to protect my ID and information from whomever is attempting to defraud my identity. The Bank is absolutely zero help and no one is reporting to authorities or police. I am personally reporting all the information to the cfpb and FBI. How can a Bank not have the ability to trace where a {$10000.00} transfer originated? The bank employees only used a simple chat room to attempt to answer my questions. No one was trained or had ability to deal with fraud or properly go through account information.

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: LendingPoint Holdings LLC
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: Account information incorrect

Complaint:
In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: MN
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 know yall tired of me but everyday while they thinking theyre keeping me from finding out why the person from experian stole my account an ide I sent yall the email where it shows my email got changed to experian.com so now Ive got to pay for all these credit monitoring and identity protection people so now Im gon na show a date where I screenshot my account with experian I had only one open account but since Ive been locked out I now pay for other credit monitoring and theres another account on my credit report that has nothing to do with me youysaying youre sending the complaints in obviously theres nothing being done Ive been begging and begging for help filed identity theft with the government I said before anybody help or do something someone is going to destroy my name even after Ive cleaned up my credit reports an improving my scores Im getting XXXX the companies that are suppose to be protecting us where is the help Ive repotsnd gave XXXX proof that my account was hijacked an identity stolen by someone in experi what its gon na take me constantly getting my XXXX XXXX up until I have another  XXXX where is our support system against these deceptive bureaus so please tell me now its time to lawyer up cause consumers obviously doesnt have the support we need as long as this is not happening to some people we have to sufysnd fight these bureaus alone the person that stole my identity from experian changed my birthday to XX/XX/1968 also my username an email address an also changed my address sending a copy of that also

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 2023-06-03
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:
This is my several requests to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXXXXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXXXXXX XXXX  XXXX Balance : {$1400.00}

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 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 XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with Identity IQ dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX and Chapter XXXX Bankruptcy Reference # : XXXX XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the Better Business Bureau XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. XXXX very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, XXXX, and current Utility Bill as verification of my ONLY address.

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 2021-05-24
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
My name is XXXX XXXX Creditor is New York & Co. 
Comenity Bank Account Number XXXX XXXX XXXX To whom it may concern, I Have been a customer with New York & Co, for several years I have never missed a payment on my account, due to Covid 19, I received a call from XXXX XXXX asking me if I would like to take advantage of their hard ship program and reduce my payments from XXXX per month to XXXX per month. I agreed. 

However I was never told that while I am in the hardhip program even though I will be making my reduced payments on time, that the company will be debiting from my account each month. I was never told by the company on that phone call that for the first 3 months my account will still be reported as 30 days late for 3 monthe straight to the 3 consumer credit repoting agencies. I would have never ever agreed to that type of arraingement. I have tried to dispute with the credit agencies along with the company Comenity Bank and it has not been satified, I really feel that this is not fair. 
My email is XXXX Company address is XXXX XXXX  XXXX XXXX, Ohio XXXX Attention Customer Support XXXX XXXX XXXX Thank You Very XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Grow Credit Inc
State: IL
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 respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name GROW CREDIT, INC. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions 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 XXXX XXXX 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 : 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 explanation
Consumer complaint received 2022-12-18
Company: Resurgent Capital Services L.P.
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:
I have a credit card on my account that is not mines LVNV funding and Penn credit which is XXXX I was XXXX  from XX/XX/XXXX and I did not get out of XXXX  until XX/XX/XXXX and I have proof of address and my court paperwork I want those things remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: Southern Management Systems Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southern Management SY reported in XXXX a MajorDerogatory to all three credit reporting bureaus that is inaccurate. We dont owe the client of this debt collector anything. XXXX XXXX, a provider of student housing at the XXXX in XXXX neither substantiated nor provided any proof for their claim. They also never contacted me about their demands. Since I made all payments required under the lease for the student apartment of our son XXXX XXXX in XXXX, I consider these tactics unethical and Im am requesting that the item be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: LEXISNEXIS
State: CA
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:
LexisNexis is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Every month I paid {$24.00} I had send a few times to my Credit Bureau my disputing Errors on my report with proof. I also send them my legal documents. 

1. Court order by XXXX with the only information on it XXXX XXXX and no other information, no job information, no home address information, no I.D or ony other type of information. Attached you will find the information that is incomplete, wrong, inaccurate. 

2. Attached you also will find a letter with information inaccurate. EXPERIAN is ignoring my Identity theft. I'm tire of speeding, my enemy, time, money. Is not right they are taking my money monthly and don't do anything anything to check the documents that proofs incorrect information. 

Experian is taking advantage of me. And who knows of how Many millions of people who Don't keep degin or fighting for information that is incorrect In there XXXX file. Their negligence and reputation needs to be on the social network for people who are not aware of this inquires unjustified. 

I also have a proof XXXX XXXX account dispute with XXXX who with the proof I submitted they did their job and Delete or fix the incorrect information report on my XXXX as negative and they also deleted the negative information report XXXX Which is the only one who did Their job XXXX, Experian, XXXX, if I have a FRAUD ALLERT where expecify that I called needs to done to my number in other to run a hard inquiry they still denied my dispute. Some they run my credit 2 a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
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 already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

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 2023-06-03
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company has not released funds for the insureds project. They have also not released the funds owed to me. They are holding our funds hostage and making demands i have already complied with. At this point, they are committing tortuous interference and delaying a construction project which is costing the insurance company more money every month this is delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: AL
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:
Dear CFPB, I am XXXX XXXX born and raised in Alabama and I have lived here all my life. Someone is using my identity in XXXX XXXX Nevada. Please see attached information. These addresses on my credit file are not mine and no way affiliated with me please remove ASAP from all 3 credit Bureaus. 
XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX. Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX XXXX, Nevada I have uploaded over XXXX years of Alabama XXXX state Drivers license and state ID as well as my Alabama XXXX food stamp card and a piece of mail Someone has stolen my identity and using it in XXXX XXXX XXXX Nevada I received a email awhile back that my information was found in a credit breech or some type of breech with XXXX and XXXX and I didn't understand what it meant until I went to apply for the XXXX Senior Living and found out someone has been using my identity.

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 2019-03-19
Company: Experian Information Solutions Inc.
State: UT
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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