BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MD
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:
15 U.S.C 1681 Section 604 A states that I have the right to fair and accurate reporting. XXXX XXXX ACCT # XXXX - PAST DUE amount is {$5000.00} on XXXX and XXXX and Experian reports {$5100.00}. LAST PAYMENT DATE reports as XX/XX/XXXX on XXXX and Experian and XX/XX/XXXX on XXXX. Also, my rights were violated according to 15 U.S.C 1692c : A debt collector can not communicate with a consumer without their written consent, as this company has engaged in harassing and recurrent phone calls.

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 2019-10-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
There are a lot of missing information to tie this account on me. The report is incomplete and I am doubtful that this is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Called today XXXX, talked with representative who could only offer to send another description of the factors that influenced the score. When I viewed the information on the XXXX portal, XXXX items were listed : INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI, and RECENT UNIQUE FI DDA INQUIRY HISTORY. The representative had no other information and could not even explain these " reasons. '' It appears that ChexSystems " calculates '' a credit score of " XXXX '' with NO information! 
My actual credit score with the XXXX major bureaus is virtually a perfect score. 

This appears to be a fraudulent business practice and should be investigated. 
The Consumer Finance Protection Bureau should open an inquiry on ChexSystems immediately.

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 2022-04-12
Company: CURO Intermediate Holdings
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:
There are collections account reporting on my file that i have no knowledge of. My XXXX  was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : AD ASTRA RECOVERY SERVIC Last reported XX/XX/XXXX{$1.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Last reportedXX/XX/XXXX{$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Last reportedXX/XX/XXXX {$3900.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  XXXX Last reported XX/XX/2022 {$2900.00} Open balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
When I apply for credit it show old I correct address in XXXX not my new one in  XXXX   XXXX and it show my name wrong it XXXX XXXX only also show me o. Some reports as being past away I see XXXX XXXX on my report as one of my name that's my dad which is has been pasted away four years now I need my  information correct

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 2020-05-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a American Express Gold card. We were impacted with job loss related to Covid-19 and as a result were given the option to defer payments. However, we wanted to payoff {$710.00} pay in full balance during forbearance period so we aren't hit with it afterwards. 

The card provides a pay over time and pay in full option based on the amount of your purchase charge. I made a payment of {$350.00} on my card on XX/XX/2020. I called on or about XX/XX/XXXX to have that amount applied to the " pay in full '' balance because we were trying to payoff the {$710.00}. We spoke with a representative that assured us that it would be applied to the pay in full balance. We also were assured that if we could afford it, we should call back and pay the other amount ( {$350.00} approx. ) and have that applied to pay in full balance after a couple days. We made that payment on XX/XX/2020. However, when I called to make have it applied to the pay in full balance on XX/XX/XXXX, we were told that neither would be applied to the pay in full balance. 

This is very upsetting, especially when we are short on money. We would have put the poney in an account and waited for the period to end so we are not hit with a $ 700+regular monthly bill. I would like both these payments applied to the pay in full balance to resolve this issue. 

American Express Issue ID provided is : XXXX XXXXRep ID XXXX is the person I spoke to on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Avant Holding Company, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This accounts need to be verify or also remove off my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: TX
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account in XXXX XXXX  on XX/XX/2020 around XXXX XXXX  EST. 
I was not able to link my PNC bank checking account to put funds into the savings account just opened in XXXX XXXX, using linking accounts process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, 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:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: NJ
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:
Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to XXXX, Equifax, & XXXX  but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: AR
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 wrote a letter to Experian, XXXX, and XXXX about information on my credit report being fraud and asked for it to be removed. I also sent an Identity theft report from the Federal Trade Commission to confirm, and these accounts remain on my profile. 
The accounts are XXXX XXXX and 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 2023-03-05
Company: Resurgent Capital Services L.P.
State: MD
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 sent letters to the company to dispute this on my credit report in XX/XX/2023 and XX/XX/2023, also. sent dispute letters to all credit bureau nothing from either of them following my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: National Credit Adjusters, LLC
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:
There are collections account reporting on my file that i have no knowledge of. My XXXX was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX {$1.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor NCA Last reported XX/XX/XXXX {$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor NCA Last reportedXX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX  Original creditor NATIONAL CREDIT ADJU Last reportedXX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$2900.00} Open balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
As stated in previous complaints. My unemployment card was sent to a wrong address. I did not know I was even approved for unemployment. Not until several months later did I find out. I have been submitting claims over and over again since XXXX. Ive been told several times that I would have the credits on my account by such and such date and of course theres dates had passed and I never received anything. Their last response to me was about my card being froze at one point for suspected fraud which was cleared up by me providing proof of identity. And no explanation at all as to why my claims are denied. This entire event has consumed my life and I have been doing a lot of research and speaking to others. It appears that Bank of America is doing this to anybody who had fraudulent charges on their account. Ive spoken to over a dozen of card holders who say their accounts are negative because Bank of America credited their accounts only to put the charges back on. This bank can not get away with what they are doing to unemployed Americans. Weve all been affected by the pandemic, then to have our identities stolen on top of it and the bank holding our unemployment income is denying us access to it because they allowed fraud to happen on our accounts.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code $ 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information thst resulted from alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in voilation of law because I am a victim of identity theft! Please delete the following accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S. Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! It also violates 15 U.S. CODE 1681S-2 Responsibilities furnishers of to consumer reporting agencies.

As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!

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 2023-01-07
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: DISCOVER BANK
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX XXXX On XXXX XXXX the Firm served me with a letter, Dated XX/XX/XXXX, saying I owed Discover Bank {$3400.00}. They said on various occasions I also allowed Others to use my Card for purchases or to withdraw Cash. They also implied I, myself, withdrew Cash ... None of this is true. I also saw no Date or where to appear on the Summons. 

I fell on hard times & could no longer keep the Card. I looked it up on my Credit Report & it said that the Charge was written off, I believe, in XX/XX/XXXX. 

I returned a letter to her saying I would be willing to try to pay on it, if they could reduce the total & would allow me to pay on it AFTER I finished paying off another Card I'm currently paying on. 

She responded saying I would have to pay {$120.00} a month, plus 10 percent annual interest beginning XX/XX/XXXX ( I received their letter on XX/XX/XXXX ) & Sign a " Stipulation '' Agreement stating : " By signing this Stipulation & Consent I am acknowledging that I have been served with the Summons & Complaint and that I FREELY give up my right to an Attorney. Is that Legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am a victim of identity theft, please the documents

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