BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/2023, someone opened a Bank of America credit card in my name, in the amount of {$16000.00}. I have NO knowledge of this nor did I open this account. I reported it immediately to Bank of America. They put an alert on the credit card and closed it. Five ( 5 ) days later, XX/XX/2023, someone opened yet another credit card account in my name, in the same amount, {$16000.00}! I was never notified of this credit card, until I received an email from Bank of America. Someone had credit card sent to my old address in XXXX. I reside in XXXX. I contacted Bank of America again, but they would NOT close the account! Stated that I had insufficient information and didn't correctly answer their security questions. I notified all three credit bureau agencies both times and have a FREEZE on all three reports. Bank of America refuses to close the credit card account in my name, that is now shown on my credit reports, when this is NOT my account.

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 2019-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IN REGARDS TO : PORTFOLIO RECOVERY ASSOCIATES ; XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX The account your company is reporting to the credit bureau is troubling that is not mines. 
I've sent numerous letters to the furnisher disputing the account listed below, but they have verified the account as accurate with the credit bureau XXXX. 
CAN THEY actually DO THIS? VERIFY AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 
PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 
I AND MY ATTORNEY AWAIT YOUR RESPONSE. 
Im also requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was charged - off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I disputed inaccurate and incomplete information on my TransUnion credit report. I even sent them proof of the inaccurate information on the accounts that I disputed. The claim to have investigated the accounts but after the alleged investigation they continued to knowingly report the inaccurate and incomplete information. I sent them another dispute letter after receiving the results of the investigation. Enclosed in the second letter I explained in detail what was inaccurate and incomplete and I showed them proof that those accounts were removed from my XXXX report. Instead of them removing those inaccurate accounts they decided to respond with a stall tactic stating that they will not process my request unless they come directly from me or an authorized third party. I am not using a third party. My disputes came directly from me and I let them know that. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 ) ( 1 ) 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.

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 2023-04-29
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:
I am a victim of Fraud. I filed a police report and attached it below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went in store at Victoria 's Secret in XX/XX/2021 to purchase product. They did not have anything in my size, so I ordered it online through the store.i never received the product. So I called XXXX  and complained. They gave the run around about it finally at the end of the conversation, they said the order was cancelled and nothing should show up on my XXXX  credit card. So I didn't worry about it until I purchased another item and it I went to pay the bill and noticed the charge of {$110.00} was still on my account. So I immediately called the XXXX  credit card company, disputed with them twice. So this took over a month. They said there was nothing they could do. Called XXXX back a few times, didn't get anywhere. But one lady I spoke with said call XXXX  customer relations. Finally i thought it was going to be fixed. They credited partial payment. So I called again and again, finally got told it was going to be fixed. But in the mean time I acrued late fees and interest charges. They said they would credit the late charges. But during that time, more charges acrued. So I called back, and the lady told me everything will be fixed. And during this time, nothing was fixed and more charges keep piling up on my account. Case # XXXX & XXXX Now I have $ XXXX in interest charges and late fees still acruing ony account for something I never received and was credit not returned to my account in a timely manner

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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 2023-03-25
Company: Experian Information Solutions Inc.
State: MI
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 writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXXXXXX XXXX XXXX and US SM BUS ADMIN ODA have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-11-22
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-29
Company: AMERICAN HONDA FINANCE CORP
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:
American Honda Finance opened a fraudulent account in my name with my social security number without validating my address or calling me. Someone fraudulently purchased a motorcycle in the other side of the country, and despite furnishing a police report, American Honda Finance has done nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
I was alerted by XXXX that Bank of America had received information from my credit report on XX/XX/2023. I did not authorize this and have not applied for any credit or loans recently.

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 2023-03-25
Company: Experian Information Solutions Inc.
State: IL
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:
Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX Acct. No. XXXX. Because the past due balance reported by Experian, XXXX and XXXX are different, which means the account has not been properly verified legally.

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 2022-06-13
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a second complaint for the same debt added to my credit report XX/XX/XXXX for a debt supposedly from an emergency hospital visit in XX/XX/XXXX reported by XXXX XXXX XXXX XXXX XXXX XXXX It was then reported a second time as two separate debts on my credit report after I disputed it with XXXX and could not verify the debt with the original company XXXX that the debt apparently originated from. After submitting a complaint the company admitted that they needed time to research and verify the debt and that they would mail the information to me. They mailed a bill from a XXXX XXXX XXXX. XXXX in XXXX XXXX rather than the Texas location where the bill should have originated. The XXXX XXXX is permanently closed and the website to make online payments on the bill that XXXX mailed me is inactive. Additionally, the bill describes services as an evaluation during my emergency room visit at XXXX XXXX of XXXX. I set-up a payment plan with medical city and paid the {$850.00} balance early. Why would I have not paid {$100.00} debt if received? I research the XXXX XXXX included on the bill and found no office and only an affiliation with XXXX and XXXX. Furthermore, when searching for any signs of a business website and affiliation to the permanently closed location in XXXX for the XXXX XXXX, NV po box address I only find XXXX complaints similar to mine regarding outstanding debts that can not be verified, being reported to the credit bureaus, and no answer or response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi. I am submitting a complaint for a previous issue that was not fully resolved. Please do not close my complaint. I had two fraudulent charges made for {$1000.00} each on my discover card. Cfpb and discover resolved one of the {$1000.00} charges, but the other {$1000.00} charge is currently being reviewed by discover, which is why the cfpb complaint did not help. Currently, a {$1000.00} charge is REAPPEARING on my statement, which is why this issue is now a valid case for the cfpb to solve. This charge was fraudulently made and I would not like to be held reliable for this. This charge is currently damaging my credit and I would like discover to dispute this charge immediately, Discover also closed my credit card account, but thinks it is okay to make charges reappear on my account. This is absolutely ridiculous. I was first told to submit a police report. I happily obliged and submitted the report. The report did absolutely nothing and I was then asked to contact USPS in order to start an investigation due to suspecting that someone had been stealing my mail. I currently do not have time to go out of my way and contact USPS for a job that the police is currently aware of. This charge needs to be disputed and taken off my credit report immediately. This is extremely unfair and I would also like my minimum payment refund. I was told that I would receive a refund check, but never did. I would also like for my account to be reopened and have a new card sent out. Discover clearly is capable of reopening my account and trying to make me pay for fraudulent charges, which is why my account and card and should be reinstated. Please resolve this issue asap and do not close my complaint. I have reported this fraudulent charge multiple times, but agents do not correctly file the fraud claim. This charge is once again appearing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NJ
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:
DELETE PLEASE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have written several written to TransUnion to remove several inquiries on my credit report that I didnt authorize. 
XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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: OK
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 was a victim of identity theft I receive a copy of my credit report and notice an item that didnt belong to me I quickly notified my bank and had them to freeze all my accounts until further notice

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