BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
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 have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: SOUTHSTATE CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
SouthState Bank account received a wire transfer of {$160000.00} on XX/XX/2022, which was made by mistake. They charged me a {$15.00} fee for receiving this. Then, without notifying me or requesting my permission, on XX/XX/2022, they debited my account for the {$160000.00}. I called customer service and they weren't able to say why or even look into it, they told me to go to a branch that's 40 minutes away from my house. The statement description was " XXXX XXXX XXXX XXXX XXXX XXXX ''. A state-chartered bank should not be able to initiate a {$160000.00} transaction without at least notifying a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
You have harassed me numerous times and I require you to ceast and desist all communications with me and block and remove your information from MY consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
in accordance with the fair credit reporting act the names and addresses that i have described below violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 Section 602 XXXX right to privacy.,, these following names or alias and addresses are not known or old or no longer have any association with myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Complaint will serve as a follow-up to my previous complaint

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 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX the company Capital One is threatened to sue me I paid on time never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX  regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX for XXXX and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX  to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, 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 2020-01-17
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am seeking help to rid my credit report and my early warning consumer services account of fraudulent accounts. Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, Branch Banking & Trust and XXXX bank have been made in fraud. I am currently contacting each bank but unable to come to resolutions concerning the identity theft. Attempts have been made to open a bank account from numerous banks that I have not authorized. I have completed several police reports and have made a identity theft report as well. 

XXXX county Sheriffs office identity fraud Reference # XXXX. 
Identitytheft.gov reference number 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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 compelled to bring to your attention the consistent disregard by the Credit Bureaus for my requests to remove fraudulent items from my credit file. Despite repeated appeals, they have chosen to ignore my communications in direct violation of the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally prescribed timeframe. This deliberate and conscious disregard for federal statutes demonstrates a concerning lack of compliance. Their obstinate refusal to verify information, despite my extensive efforts to resolve the matter directly with the creditor, represents a clear display of willful negligence. The following items, outlined below, continue to be erroneously listed on my credit report, exacerbating the injustice and distress caused by the bureaus ' inexcusable conduct : -- XXXX -- XXXX XXXX XXXX XXXX Balance : {$0.00} -- XXXX -- XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXX/XX/XXXX -- TRANSUNION -- XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX 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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX VXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$460.00} XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Notice to remove all fraud alerts and freezes on my account. 

AFFIDAVIT OF TRUTH AND FACTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by Experian ConsumerInfo.com , Inc., Experian Consumer Services ( ECS '' ), XXXX XXXX XXXX, XXXX XXXX, CA XXXX or Experian XXXX XXXX XXXX, XXXX, TX XXXX the information is inaccurate and false. 
I have made phone call and online requested by way of your website as to the inaccurate information thereto and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX XXXX XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX or XXXX XXXX. I do not have any Also Known as Names this is being reported presumptuously by a law firm located near XXXX XXXX, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as XXXX XXXX, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX  XXXX  I am not a XXXX XXXX XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my XXXX  heritage as an XXXX XXXX XXXX XXXX  and nothing more nor less. 

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 2022-11-18
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I paid all my student loan balances with Ed financial in XXXX of 2022 and my accounts were all closed and I received a letter stating that my accounts were paid in full. Now I have a balance of {$28000.00} on my student loan account even though I paid everything in full in XXXX. My credit has been affected as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 2022-10-25
Company: Bread Financial Holdings, Inc.
State: MD
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:
On XX/XX/2022 I accidently made a payment to Comenity Capital Bank on my XXXX XXXX XXXX in the amount of {$3000.00}. 

At this time, I owed no money on this credit card. When I realized my mistake I called the bank and asked them to transfer the money to my other Comenity account BJs where I initially intended the money to go. The customer service rep told me this was not possible but she could process a refund for me in the amount of XXXX because I owed them no money and had a credit. 

Several weeks passed I did not receive my money. When my statement come to the house it shows I have a credit in the amount of XXXX. I'd call them again to send me a refund they give me some stupid story of system problem not process the last request and promise to send out my check. However, I never get the check. I kept calling and speaking to mangers no resolution. One day I called to close the account to force them to send me my money. After XXXX long months XX/XX/2022 they agreed to transfer the balance to my other Comenity Card BJ. 

I thought I was free from them unfortunately on the next statement where my balance was suppose to show XXXX it showed I owed them $ XXXX. I called them immediately to resolve this stupid non sense they say they would take care of it. 

Today XX/XX/XXXX they called me to inform me I have a late payment on my account. I went comcast on them and now I'm filling out this compliant form. Stay away from Comenity Capital Bank XXXX XXXX XXXX. I want to close my BJS  card as well this bank. Comenity Capital Bank is a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: CCS Financial Services, Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote XXXX and XXXX about the concerns. I did not receive a response. On XX/XX/2021, I wrote Credit Collection ( the credit collection agency ), I also have not received response from them. On XX/XX/2021, I wrote XXXX and XXXX again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : XXXX XXXX Credit Collection-XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation