BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.

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 2019-06-06
Company: Avantus, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Advantus llc inquired 2 different occasions. I have never inquired with this company. 
One date is XX/XX/2018. I did not apply with this company. Another date is XX/XX/2018. I did not apply with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: LA
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:
Inaccurate information on credit report 1. ) Car loan 2. ) Unauthorized, Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 2017-05-08
Company: Resurgent Capital Services L.P.
State: NC
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   XXXX   XXXX   XXXX     : This is in regards to an account that was opened in my name around  XXXX  that I recently saw on my credit report and learned you are attempting to collect  XXXX  from me.     I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing.     Under law, you  may  only contact me once more to acknowledge that you have received this request.   Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward these documents on for me to view.     I expect to receive your confirmation that you have received this notice by  XXXX / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone has used my social security number and unknown numbers/addresses to open lines of credit and now the inquiries are reporting on my credit which i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a credit alert from my credit monitoring service. It said that I had a new account open with Barclays Bank. I did not authorize or apply for a new card with them.

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 2023-06-07
Company: Experian Information Solutions 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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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 2019-10-05
Company: Convergent Resources, 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: Their investigation did not fix an error on your report

Complaint:
Good Morning! 

Dates, those I am unaware of. 

Convergent Outsourcing XXXX {$290.00} I am completely unaware of this account as I have no record or documentation regarding this claim. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

And Please State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 


Thank you for your time!

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-04-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank Home just shut down my credit card with no notice!! I have always paid on time with all of my bills but last XX/XX/XXXX I had to have an XXXX XXXX XXXX which cost me $ 5K and put me behind on everything as I am a twice widowed mother living on one income and have no savings as inflation has doubled my utilities and gas expense as I drive two hours round trip daily to work and home!! They took two {$160.00} pmts just a month ago now say I am two payments behind! I get no statements by mail or online or bill reminders! I work for me the Dept of Employment IDES in XXXX IL so they know they will get their money they are just working with all the other sleazy high interest loan companies and credit grantors like XXXX who did the same to me and XXXX XXXX to ruin my credit score so I will fall further into poverty and always have to borrow at subprime rates!!! They have been doing this since XXXX! Enforce the laws on them, shut them down and shut down the credit scoring and reporting system completely! They get mad if an emergency happens one time then try to get revenge!!! I want this card reopened and corrected and I want all of my reports corrected and copies of them mailed to me and I also want mailed statements monthly and payment reminders emailed to me!!! I am contacting Bidens office about this too it is time for a change in the financial industry!!!

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 2023-09-29
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting at the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602 A. States i have the to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reportin agencia may make any consumer report containing any of the following items of information 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 ) ( a ) 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. 



XX/XX/2023 XXXX XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
reopening  XXXX  the  XXXX   XXXX  that has the account in the closure statement is not me.   If you compare th e DOB and SSN they  are not the same and not the same person. You have falsely accused the wrong person and placed lien against the wrong person.     We are asking for you to remove the lien on our home which is not the address or home in the documents or on the credit applications.     We are requesting a letter so we can provide to our title company and our mortgage company that the lien and judgement is not against me the  XXXX   XXXX  in  XXXX  but against the  XXXX   XXXX   XXXX   XXXX  in  XXXX  wa. Please review and compare the application information against my information and credit report- they do not match It appears when the underwriters for  XXXX   did a  public record search on simply the name  XXXX   XXXX   XXXX   they  pulled up information regarding a  XXXX    XXXX    XXXX   (  veteran ) who lives in  XXXX   that  had a civil suit against him in  XXXX  see attached court documents.     Attached also is the  XXXX   County parcel property information o n  XXXX   XXXX   XXXX  in  XXXX  WA.     From  XXXX   XXXX   XXXX   XXXX  WA  per  credit reports and our property information and history you can see  XXXX   was  not in the military and did not nor does he have an account with Chase bank. And Did not and has not ever lived in  XXXX  WA.     There is not a lien on our property per  XXXX  County Records and if there was there would have been some sort of communication to myself and  XXXX  over the pas st 7-8 y ears about a lien on our property- since the Homeowners, bank and  XXXX  County Tax someone would have mentioned it to us over the past 7 years and Chase bank would have also mailed something to our house or contacted us but there has never been any communication with us from any of the listed entities and from the public record search I did there is not a lien on our house.     we went to the  XXXX   County  Courthouse and go copies of all the judgements and court cases against the  XXXX   XXXX  in  XXXX   (  not us ) these are attached- as you can compare the  XXXX   XXXX  in  XXXX  per the  XXXX  credit reports attached does not have any bad credit and did not have credit with any of these companies in the past and therefore we do not have a judgement against us or a lien on our house.       please provide a letter stating  XXXX   XXXX  in  XXXX  does not have a judgement or lien against his property in woodinville and does not owe you money and has never had an account with your company ( and never will ) letter and contact me within  72 h ours.     Since this complaint was opened previously and requested removal over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which are concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. 

THIS WAS ALREADY REPORTED TO THE CFPB AND REMOVED ONCE BEFORE. THE COMPANY REFUSES TO STOP HARRASSING ME FOR A DEBIT THAT DOES NOT BELONG TO ME,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft. I have field the correct paperwork and sent it to the credit reporting agencies and disputed the accounts. The paperwork has not been attached to my disputes and the accounts have not been removed. 

These are the accounts : 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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO XXXX XXXX XXXX BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF 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 2023-09-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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 requested Experian remove information that was being reported without my consent according to 15 USC 6802 obligations with respect to disclosure of personal information that is nonpublic information but Experian stated that it meet FCRA which is not true according to 15 USC 6802 no company had my consent to provide information to a third party of non public personal 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 explanation
Consumer complaint received 2023-08-31
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: WI
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:
On Saturday, I received an alert from XXXX showing that Experian Credit reporting had added a collection to my account. It was from a company called XXXX ( XXXX ) XXXX. {$290.00} and it was coming from XXXX @ XXXX XXXX. I do not use XXXX XXXX XXXX   and never had, so I filed a dispute, under unknown debt or not my debt. That was on Monday XX/XX/XXXX, On Tuesday XX/XX/XXXX, I receive an email stating dispute results ... ... .the company that reported the information has certified to Experian that the information is accurate, the item was not changed as a result of us processing your dispute. I saw this, so I called up XXXX myself, I stated my name, and then they asked for my address, Is said well what address do you have, and he stated to me XXXX XXXX XXXX XXXX XXXX WI,, I said that is not my address ... ..I have never had XXXX XXXX XXXX, no one has ever opened an account using my name with XXXX XXXX XXXX , then I asked him what the date was for this non payment and he stated XX/XX/2008. So even if the debt was mine, 2008 is well past any statute of limitations for collecting a consumer debt. The complaint I have is against Experian, for not doing an accurate dispute, and not removing this from my credit report immediately based on, the fact this account did not match me, and second this account can not be collected because time as expired.

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