BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX XXXX 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 of privacy.

15 U.S.C 1681 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 1666 B. A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2019-11-12
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
On my XXXX, XXXX, and Experian Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my XXXX and XXXX credit report without my knowledge. I'm requesting for thee XXXX to be added back to my XXXX, and XXXX 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 explanation
Consumer complaint received 2019-12-10
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I had a TransUnion credit score drop of XXXX points with no reason why. I XXXX score is over 800. I paid off my home and the account was closed but I have less debt not more. There is NO reason given for an oer 60 point drop by TransUnion. This is not the first time I have had a problem with Trasnunion. I can not get an explanation with XXXX  or TransUnion. What is the problem 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 2021-06-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with Commenity Bank  in regards to multiple accounts I have with them ; Victorias Secret, Wayfair, XXXX, and XXXX XXXX. They demanded I pay them a sum of {$120.00} in XXXX to put myself into a payment plan for my cards because COVID impacted my income. I got the funds together snd made a payment to them to prevent them from filing legal action against me by their attorneys as they threatened they would do if I didnt send them the money by the end of the day. 
I called back in to submit an over the phone payment of {$120.00} and set myself up in a payment plan for my cards ( before the end of that same day ). Three cards draft out ( Victorias Secret, Wayfair, & XXXX XXXX ) on the same day every month, the XXXX, for {$15.00} EACH. The XXXX card is {$10.00} and comes out later in the month. I had to stay current and make sure the funds were in my chase debit account in order to ensure the auto-Draft was good and the funds were available. I did this and have been doing this since the first set of three payments were taken out XX/XX/XXXX. HOWEVER, Comenity bank has since marked my credit report as having NOT made my payment for 120 days on my Victorias Secret card, marking my credit report with multiple Major Derogatory claims. I pulled up my bank account that I monitor AND their past payment information section on my account snd noted that every payment they deem I did NOT PAY, was drafted OUT OF MY ACCOUNT and I have never been hit with over draft fees. 

They have not fixed this matter and have not updated my account with them to reflect XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX have been paid ON TIME and have not deducted the amounts out of my account balance!!!! They also have now removed me from the payment plan for this card and want to charge me {$35.00} in auto draft. I am furious. This has dropped my credit score SUBSTANTIALLY as I am trying my best to repair and pay off debt that COVID caused me to accrue as I lost thousands of dollars of income due to the pandemic and one entire job. 

They are FRAUDULENT and THREATEN their customers with severe legal action against them if they dont cough up money- REGARDLESS of the reasons being loss of wages and income due to a global pandemic. This is crippling me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Upon receiving my consumer report I noticed a bankruptcy that was not filled by me nor did I authorize anyone else to fill on my behalf.

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 2019-07-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This issue came to my attention when my wife questioned the paper statement, received first time in the mail, about credit card with CITI Advantage that being late on the payment. We have several CITI accounts in the family, my wife, my daughter and my son they all have CITI credit cards and my wife is the one who is managing all of our monthly bills. I called the CITI and talked to their representative that I do not recognize this Credit Card that was issued under my name Account Ending XXXX and explained that I never applied for this card, neither anyone in my family did. 

Citi opened the claim under fraudulently opened card using my personal information. After their investigation I received a response from CITI denying my claim as this was payments shows that being paid from my XXXX XXXX Account. I have explained CITI in my initial phone call that we have several CITI accounts in our family and my XXXX XXXX Bank account is used to pay all of bills in the household. If the card payment was taken from my personal bank account and my wife did not notice or assuming that it is one of our family used CITI cards it doesn't mean that someone did not intentionally used my personal information to open one. The payments for this credit card was never set up in my XXXX XXXX Account to be paid from the bank, these payments were taken from my XXXX XXXX Account by the CITI, and like they explain in their letter dated XX/XX/2019 that " payments remitted from valid XXXX XXXX Account '' - the payments were never remitted from XXXX XXXX Account, the payments were set up to be taken out within the CITI account. 

Recently, I had similar issue with XXXX XXXX  card that was opened under my name without my permission or being aware of it. 

I am sure CITI can investigate all the charges related to this account and see that those charges will have nothing to do with me.

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 2023-12-11
Company: EQUIFAX, INC.
State: VA
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 explanation
Consumer complaint received 2023-12-16
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX. I received a dark web alert from my XXXX credit report. The alert is a collection company Vance & Huffman , LLC stating that I opened a loan this year in XX/XX/2023 for {$2600.00}. The collection company stated the original creditor is XXXX XXXX. I did not open a loan with this company nor two or three years ago. The collection company is lying and committing fraud. This is the second time this collection company reported fraudulent information stating I opened an account. Could you please investigate this information? My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My previous address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Ca XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, I am writing to file a dispute regarding the inaccurate information being reported on my credit report by XXXX XXXX, account number XXXX. 

The Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, 611, 623, and 628, requires furnishers of information to consumer reporting agencies to provide accurate and complete information. However, XXXX XXXX has violated these provisions by inaccurately reporting my monthly payment balances to TransUnion and XXXX, while XXXX reports a different balance. Furthermore, XXXX reports that the account terms are revolving, while XXXX reports that the payment is due monthly. TransUnion, on the other hand, did not report the account at all. 

I was shocked to discover that all three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, when in fact, I made all payments on time. This erroneous reporting has had a significant impact on my credit score and has made it difficult for me to obtain credit and loans. 

XXXXXXXX XXXX with account number XXXX. The information being reported is not only false but is also having a detrimental impact on my life. 

According to TransUnion and XXXX, my payment status on this account is charge off, yet I have never received any notification from XXXX XXXX regarding this charge off account, nor have they provided me with any paperwork related to it. This violation of Section 609 of the Fair Credit Reporting Act ( FCRA ) has caused significant distress and XXXX as it has left me in the dark about the state of my finances and the potential consequences of this charge off status. 

Furthermore, TransUnion is reporting a high credit balance of {$1500.00}, whereas XXXX did not report this information at all. In addition, TransUnion is reporting the Date Last Active as XX/XX/XXXX, whereas XXXX is reporting it as XX/XX/XXXX. These inconsistencies violate Section 607 and Section 623 of the FCRA, respectively. 

This false and incomplete information is having a negative impact on my credit score, making it difficult for me to access credit and causing me undue stress and hardship. It is affecting my ability to secure a loan for a much-needed home renovation project, which is crucial for my family 's safety and well-being. 

I urge you to enforce the legal protections provided by the FCRA and ensure that XXXX XXXX provides accurate and complete information to all three credit reporting agencies. Additionally, I request that these unverified accounts be removed from my credit report. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2023-11-14
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:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-04-06
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive only had XXXX  XXXX  twice and but this isnt XXXX  XXXX  its XXXX  XXXX  someone used my info to get a credit card I even got a had inquire I never use to check my credit I called them they say my info matches but I never open the account! They said it was open since last year! I need help someone has my ssn and address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was told once I complete the Student Loans Rehabilitation Program, my student loans accounts would be out of default, and ALL NEGATIVE information would be removed. Only 3 accounts were removed and 2 remained with ALL NEGATIVE INFORMATION. Please remove these accounts. I were told ALL INFORMATION WOULD BE REMOVED FROM THE DATABASE.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent Accounts and inquiries on all Three Credit Reports. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX XXXX {$10000.00} 3. XXXX XXXX XXXX {$18000.00} 4. XXXX XXXX {$1200.00} 5. XXXX XXXX XXXX {$16000.00} Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. 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 2023-04-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am deeply devastated about a collection account that is reporting on my credit report. These accounts are invalidated unverifiable, inaccurate, & FCRA violations. These inaccurate items on my report are affecting me badly. There are numerous unauthorized addresses, names, and accounts on my credit report MIDLAND CREDIT XXXX creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX . is one of the accounts that needs to be investigated. I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THIS XXXXXXXX XXXX COLLECTION ACCOUNT IS FRAUDULENT AND HAS NO PERMISSIBLE PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions 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 am currently a victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please dont close this complaint down this is a real complaint made by me a human being. so i noticed some accounts on my credit that i did not sign up for and i called the creditors and they can not produce a contract with my signature on it and then i reached out to the credit bureaus and they did not remove the identity theft either. so now im doing this complaint with you guys to hopefully get things taken care of.

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 2023-12-26
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am dissatisfied with Citibank 's handling of a routine transaction on my card. They blocked my card for potential FRAUD and, upon contacting them to resolve the issue, informed me that a code would be sent via mail, with a waiting period of 7-10 business days. This antiquated verification process seems overly cumbersome for a major institution like Citibank. Despite my request for alternative verification methods, such as a one-time passcode ( OTP ) sent to my registered phone number, providing my social security number, verifying my address, recalling a secret word, or detailing the last 3 transactions on my card, they declined to assist. I find myself stuck with a {$100.00} annual fee card that I can not use due to the unavailability of a code that will only arrive after 10 days, hindering my immediate card usage. I implore you to expedite the removal of the fraud alert from my account using an alternative and more efficient method.

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