BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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:
On XX/XX/21 I sent a copy of my FTC report because I have been a victim of identity theft. My information got in the wrong hands being that my data was compromised in the Equifax Data Breach. I feel like I'm being taken advantage of because my disputes are being ignored and the fraudulent accounts and inquires are still being reported on my credit report. This is ruining my changes with getting approved for a mortgage loan. The law states that fraudulent information should be blocked within 4 days of the dispute and it still shows. It has been about 60 days and Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-02-24
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep getting these notifications from a junk debt buyer named Jefferson Capitol systems trying to collect on debt that I have no idea of and is probably past the statute of limitations, They do not provide the necessary backup and probably buy tons of this debt for pennies on the dollar. 
Why are they allowed to stay in business. Fraudulent. 
Please have them stop contacting me and if I see anything on my credit report from them I will take the necessary legal action. 
They know that if you contact them it starts the clock running on debt that could not be collected on in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2019-07-09
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I have a couple of issues with my account that needs immediate attention. The first issue was ignited after speaking with credit counseling services. They told me that I needed to hurry up and make payments before interested attaches to my account. His statement was not accurate and really frustrated me because my promotional expiration date was for 60 months. I dont understand how that could have possibly changed because thats what I signed up for during my initial purchase at XXXX. Not to mention its on my XXXX / XXXX statement ( which I have attached ). 

My Second issue has to do with how my payments have been applied to my account. If you look at my XXXX / XXXX statement and compare it to my XXXX / XXXX statement under SUMMARY of Promotional and Standard Balances you will see that Credit Plan # XXXX, XXXX, and XXXX are still somewhat close to what the outstanding balances were in XXXX. Which is odd because there is no interest on these items and they should have all been paid off by now. Especially being that I open this account back in XXXX of XXXX. In addition to that, when you look at the promotion expiration dates on the two statements. My XXXX / XXXX statement states that my promotion ends in year XXXX but my XXXX / XXXX statement says my promotion ended XXXX of XXXX ( which is inaccurate ). Unfortunately, I couldnt go back any further to gather more information due to the limitations of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: IL
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 been disputing for the correction of my Credit file for tha last 2 months now, and I am grateful for the Credit Bureaus actions as they decided to remove some of the fraudulent items from my Credit File. However, as I inspect my Credit Report, there are still some acccounts and information that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Once again, I was a victim of identity theft and that the disputed accounts and information must be removed from my Credit file under the FCRA section 605b. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of ownership or any documents bearing my signature to support their Claims. In the event that the Credit Bureaus find no signed documents, please remove the disputed items completely from my Credit file.

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 2021-12-15
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I will keep submitting this case until the people whos behind PayPal credit pays for the scam they are doing with late fees to consumers like me. The whole problem that yall purposely create with the way we can pay or not our debts are a full fraud to consumers and a violation of federal law. My debt is with PayPal credit, if I want to pay using PayPal because thats the only way I want to do it yall are no one to interfere and limit the form of payments I can use. Ive already explained the problem that you, your company, and PayPal created to charge fraudulently late fees. 

You stated that the only way I can pay on my PayPal account is using an existing linked bank account, let me explain something that you probably arent aware, if thats the case, why PayPal credit have the option of adding a card or a bank on the payment section? 

Man, Im not a fool as you think. 

Im seeking for a whole erase of the late fees, if you, your company, and PayPal creates this whole mess, yall are suppose to stand because yall are in violation of federal law.

I will submit my proof of the matter as I always do to the state attorney, the local news, and I will send this story to the XXXX XXXX  as well. 

Your game is about to go down.

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 2021-12-14
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
My Barclays VISA card was supposed to be replaced by a XXXX. I never received a XXXX, but I found XXXX charges on XX/XX/2021. One was {$1100.00} and the other was {$140.00}. When I was able to figure it out I called several times to report it to their fraud department. It is very very hard to reach their fraud dept. It took me more than an hour to reach them. Finally, I did report. But after a few weeks, they closed my case without letting me know the outcome. I tried to reopen my case, but they needed a written request to do so. I have made a written request to reopen my case. I asked them whether they have reported to the credit bureaus, they couldn't say anything. But in the meantime, my credit score has dropped down vigorously! When this occurrence happened, almost all my credit cards were paid off. As per their statement for XXXX, my Barclays card had a zero balance. So I was worry-free! But, as of XXXX, I find the balance of {$1300.00} I do not have any idea about these charges. 
After making the complaint, they canceled my card and issued a new one. This is a XXXX. But I never activated, because I am scared of further fraud. Please ask them to carefully investigate, waive the fraud charges and make a reverse report to all major credit bureaus. Thank you in anticipation.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently opened an account with XXXX XXXX and noticed that a late payment ( 30 day ) was placed on my credit report. I called XXXX XXXX and they found it and could only give me information that the card ended in XXXX. That account does not belong to me. I was asked for my social and date of birth and it did not match my information as well. I need this item removed from my credit report ASAP as it does not belong to me.

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 2021-12-14
Company: EQUIFAX, INC.
State: NC
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:
My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested that LVNV Funding, LLC/Resugent Capital Services validate the debt. 
This company did not provide any validation that the debt belongs to me. I requested the contract bearing my signature indicating that the debt belongs to me. A BILL and/or Bills is not a contract and doesn't provide my liability. In fact, anyone having stolen my identity could apply for an account and bills can be generated. This company is in violation of the FCRA reporting standards. I've asked them directly ( both as a reponse to email and certified letter ) and received a bill. I've address this with CFPB and through them, I received a bill and some sort of application bearing no signature. As I have not received any information that has validated this debt, I for the third time request that you immediately take action to delete all credit additions made to my credit reports.

In addition, LVNV Funding, LLC ( Debt Collector ) is in violation of my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). LVNV Funding, LLC, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not LVNV Funding, LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
i have XXXX XXXX debit card where my social security check is put on. ive had it for approx 8 years. i have had several unauthorized charges in one form or another some lasting 2 years of consecutive charges taken from my acct. it is now at the point where approx 200 hundred dollars a month of unauthorized charges has been taken from my acct each month. i have filed several disputes but XXXX XXXX never ruled in my favor and i have spoken with XXXX XXXX at least once or twice a week for years because of this.. the amt taken on XX/XX/2019 was XXXX dollars i called them again and after being hung up on twice. i finally was able to file yet another dispute and asked that i be given provisional credit. today 6 days after filing the dispute i spoke with them yet again and they havent sent the paperwork i have not received it. and when i asked about getting a provisional credit before ten days. they said no. that as long as it takes for them to investigate. i read the law regarding this. and she said its their policy and not a law. i am losing so much money and i am XXXX on a fixed income. i truly dont know what to do anymore and whould hope finally someone hears me and makes this stop

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
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:
In 2017, my credit report was pulled on XX/XX/2017 without my permission for a fraudulent auto loan by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then went forward with securing permission dated XX/XX/2017 ; one day after pulling my credit report. See attached. The fraud then resulted in a fraudulent auto loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account of XXXX XXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and Exquifax also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XX/XX/XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX XXXX date XX/XX/XXXX, equifax XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2023-02-25
Company: DISCOVER BANK
State: NM
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:
Discover Card issue. XX/XX/XXXX : {$77.00} charge at XXXX XXXX disputed as possible fraud. Charge removed by Discover. Subsequent, undisputed charges at XXXX XXXX rejected by Discover. I contacted Discover and confirmed the purchases. Ask them to pay the {$77.00} charge, too, just to clear the issue. XX/XX/XXXX : XXXX XXXX charges totaling {$8700.00} appear on my Discover statement. XX/XX/XXXX : XXXX XXXX rejects an on-line purchase, not charged to Discover, claiming that Discover never paid them for over {$5000.00} of the charges that appeared on my XX/XX/XXXX statement. I have paid Discover in full. I contacted Discover in XXXX and XXXX of XXXX, spending hours on the phone requesting evidence that they paid XXXX XXXX, so I could present that to XXXX XXXX. On both occasions, I was told that documentation would be mailed to me. I have not received it.

Company response to consumer: Closed with explanation