BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is becoming a daily occurrence of trying to rectify the identity theft issues that continue to happen. I have sent for the last 6 months certified letters requesting this information be removed from my credit report. I continue to submit documentation to the credit bureaus and I have had no response. The fraudulent accounts that are reporting is XXXX and XXXX XXXX. 

I have attached an FTC Identity Theft report and I am currently awaiting the police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, 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:
Acct # XXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These creditors have been using my credit report without my authorization to send credit/loan offers to my home. This use of my credit report is hurting because of the credit inquires this is causing. These inquires were not done by me and should not appear on any of my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT. UNDER 15 U.S CODE 1681C-2 THE FOLLOWING SHOULD BE REMOVED AND BLOCK XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: MS
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:
the credit companys has yet to remove the items that i have disputed these are not my accounts they need to be remove.

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 2023-05-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card that was owned by another bank for many years. Comenity Bank purchased the XXXX card accounts and became the servicer for my card. Although I received several mailings from Comenity regarding the transfer of card servicing, I simply dismissed those letters as just advertising mail. I typically get 3-4 offers in the mail each and every day to enroll in a new credit card. I mistakenly thought the Comenity mailings were just another advertisement, I didn't even open the envelopes. After several months, Comenity finally called me and explained the change and that my payments were now overdue, which previously had been on Auto Pay for this card. My agreement with the previous card owner was set up as " Auto Pay, '' so I never had to worry about missing a payment. Comenity explained that the Auto Pay arrangement didn't transfer when Comenity Bank became the owner of my AAA card account. After I was notified of the situation, Comenity canceled the new card I was sent and re-issued another card, so it was impossible to access my account online to make a payment because of the different card number. Comenity said they also could not set up Auto Pay because my previous months payments were late. The problems just kept compounding! Once I understood the entirety of the situation, I paid the account in full. However, Comenity reported my delinquent payments to the credit reporting bureaus. I am simply asking because of the confusion surrounding the transfer of the bank serving the card account to Comenity, the lack of transfer of Auto Pay, and the re-issue of the card number, that the delinquent payments be removed from my credit report. As another example, I recently received a letter from Comenity, dated XXXX XXXX, that Comenity had sent me " the wrong terms and conditions by accident. '' This just illustrates the confusion inherent in the transfer of ownership of the card to Comenity, and that I am being unfairly penalized by Comenity submitting delinquent payment reports to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$140.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Affirm Holdings, Inc
State: FL
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: Problem with personal statement of dispute

Complaint:
Around XXXX and XXXX XXXX XXXX my residence was Impacted horribly by two hurricanes Natural Disasters back to back. I have lost everything. I called and got extensions assistance for my other bills. Everyone understood our situation. I called Affirm and they had nothing to offer me. I was able to pay off the accounts but now they have damaged my credit score. Not even updating they accounts are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with Wells Fargo and they charge {$12.00} for ISF. However, I have overdraft protection! Last time they did it was on XX/XX/2018. Isn't this the point of the protection? .To avoid this fee? 

In addition, they take MORE money that is needed. 

out of the savings acct to make the checking acct have a positive balance, then charge you. I called to resolve and they said, '' well normally we would charge you {$35.00} vs. 

{$12.00} to transfer funds if you didn't have this protection. ' '' Please advise. Thanks ...

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 2020-08-11
Company: CITIBANK, N.A.
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:
Hello There : My Credit card, was charged with two big electronic purchases on this pandemic era, purchases that I did not do. 
On my statement of XXXX appeared 2 transactions. One was on XXXX XX/XX/20 for {$4300.00} and other of {$3800.00} on Best Buy ; I called Citi XXXX Card to report the scam and they immediately cancelled my credit card and sent another one. Credit card issuer told me that they were going to make an investigation and put a dispute for these transactions and that I should wait until they find out what really happened and they reversed the charges. After XXXX weeks, they sent a letter stated that they found the transactions were made by me and they also sent a report generated by Best Buy with the record of both delivery transactions. One package was delivered to a XXXX XXXX XXXX Office and the other package was delivered by XXXX to my house, I called the bank and I told them that I never ordered neither received these merchandise and I never called XXXX neither XXXX to make any arrangement. 
According to Best Buy report, the thief used an email address and telephone numbers very similar to the ones I use. I asked to the credit card how is possible that the merchant do not request a signature delivery for this kind of purchases? They said that I -me- picked up one package in XXXX Office and the other was delivered to my house. I never did that nor received that. 
After XXXX weeks of back and forth calls, I contacted again to the Credit Card to see what happened with the investigation, they said that they are going to charge again the transactions to my monthly statement and I must pay for them ; they give me the option to open a new dispute, but after that dispute is closed, they never going to do anything else and they keep this amount on statement. Yesterday, XX/XX/XXXX I received my XXXX statement and they charged {$8100.00} again

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 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got my social security number in XX/XX/2023. I try to login to XXXX XXXX and my information in XXXX XXXX said that it did not belong to me, I tried to open an account in Capital One but I couldn't open it. I think someone else is using my social number, I need my social to work and build my credit. I can submit proof of my social and my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX  Act # XXXX { XXXX } { Unverified Account } * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 



According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

please remove!

15 U.S.C 1681 sec 602 A States I have the right to privacy 15 U.S.C 1681 Sec 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX  XXXX XXXX is reporting a collection account to Experian & XXXX. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : XXXX XXXX  ( Original Creditor : XXXX ) Balance : XXXX Account : 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 2020-08-11
Company: Receivables Performance Management, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Receivables Performance Management is reporting a collection account to XXXX & XXXX. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : RECEIVABLES PERFORMANCE ( Original Creditor : XXXX ) Balance : XXXX Account : 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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