BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: NV
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 will be my last Complaint to inform the Experian Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove INQUIRIES 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. If the Credit Bureaus do not comply with the requests, I have no choice but to pursue legal action. I need the following INQUIRIES deleted as soon as possible : XXXX XXXX XXXX XXXX XX/XX/2023 ; 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 2020-02-14
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
Dear reader I have never missed A payment and I care about my credit very much as I am in the process of trying to get a new mortgage this was in XX/XX/2018 and I didnt have the online payment set up so I made a call to the Discover customer service representative to make the payment info and the customer customer service representative him put my information on my card incorrectly which then caused my payment not to go through when you told me that it didnt go through and I didnt get notified until two months later when I already had a credit mark on my history I dont think its fair that I am paying that I am getting a mark on my history because I made my payment as you can see I even went ahead and paid them off in full with no interest APR and I have paid off all of my dad has a good person would theres no reason for me to be able to go suffer. When I spoke to Discover regarding this dispute I spoke to a couple customer representative supervisor was very unhelpful he then told me that he would try to go ahead and pull the car and went when they when he went to go pull the car in a couple days later he told me that he can not find the car but I know for a fact that I gave him my XXXX  card to go ahead and pay that balance which Ive always paid on time.I sincerely think that it would be great to have that removed as you can see my credit history and you could see my intentions as the only reason why that wasnt paid was because I got notified two months later that the card number that he took through didnt go through and I have no way of knowing that cause the point I thought I had paid it so this would be on the fall on the negligence on the behalf of Discover as well as a supervisor for not being able to go ahead and pull the car listen to the call accurately if they did they would see that Ive ever intentional of paying it. Please help me remove this error. This is discovers fault. Look at my credit history. Flawless, but that error on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX To Whom It May Concern : I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate.

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/XXXX Please remove any other dates or years you have listed. 

Please REMOVE ALL EMPLOYERS that you have listed as they are inaccurate. 

Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX Enclosed : Photo ID, Proof of XXXX, Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was unable to make a purchase without a security code text message. I had no access to my cell phone at the time of my transaction. I was prompted to call a company number for assistance if unable to verify through that method ( text message ). Upon multiple transfers to various departments I spoke to someone who could help verify my account without my cell phone. Her question was regarding my horescope, XXXX, XXXX and other astrology terms Im unfamiliar with. I told her I didnt know what that was but I could google it. I was scorned and told this was not allowed. I told her I would just have to pay for my transaction with a debit card and thanked her for trying to help me. Later that same day ( I now had my cell phone ) I attempted to call customer service again to resolve the issue. I was informed my account was canceled after failing to provide the information requested because of potential fraud. I did not violate any terms, and I attempted to follow up only a few hours later. If the concern was fraud, why didnt anyone attempt to notify me? No freeze on my account, no email, no phone call? There were no transactions that were suspicious on my account. Ive never heard of getting an account closed without even trying to speak with the consumer. Its a horrible way of doing service. I was unable to make a purchase and when attempting resolution I was met with ridiculous expectations to meet. Utilizing ONE incorrect astrology question as a reason to terminate my account is discriminatory. Had I been a follower of astrology my account would still be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'll attach my identity theft victim affidavit from the IRS and my identity theft report from the FTC to this form. Multiple accounts compromised. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And any other inquiry between XX/XX/XXXX to XXXX of 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 2023-07-04
Company: American Management Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received an alert on my credit report that American Management Svc, placed XXXX ( XXXX ) collections on my credit report. The original debtor is XXXX XXXX. I use to work for XXXX XXXX, but I left this company, on good terms in XXXX of XXXX. ( Due to a automobile accident ). I have never heard from this company since I gave my XXXX week notice. The company went under during the Covid pandemic, and never was active again. I never received any type of documentation for any bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these reporting errors multiple times and the items are " verified ''. I've requested account information from XXXX XXXX XXXX, and they ignore my requests and Equifax turns around and " verifies '' this information. How?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Notice of Intent to File Legal Action for Violations of the FCRA 611. Despite my multiple attempts to notify Experian of these inaccuracies, you continue to respond by stating that " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, there have not been any updates made and the inaccuracies still appear on my consumer 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 2023-01-11
Company: Grain Technology, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent dispute letters and never received any verification forms back, also the information on the report is not correct, there are different information on all three reports reporting the wrong information on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
On XXXX XXXX I paid my personal loan as I always do, before the over 30 day expiration period. 
However my Fico alerted me the next day that I was reported as late when I was not. My credit score dropped XXXX points as a result. 
I have previous emails from PNC bank where I paid my loan on the XXXX and was never reported late. I have a stellar credit score and have NEVER been past due 30 days. 
When I spoke to the rep as I paid my bill he assured me I would not be reported as late. 
I called after XXXX days later and was told that because it's pending it will show that way. This has never happened to me before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I opened a XXXX XXXX account and noticed I had a few delinquencies. In which 3 out 4 are not mine. I was able to successfully dispute 2 due to identity theft. In XXXX I had a significant other who I believe got a hold of my information and started opening accounts under my name. As I started tracing these accounts I found a lot discrepancies. Wrong name spell, unknown incorrect address. I have been trying to dispute with LVNV funding for the amount of {$3600.00}. I've sent several letters of dispute, obtained a police incident report, asked for more information. They've only sent me a billing statement in which none of the information was correct ( unknown incorrect address ) all charges tallying to the amount owed was done in month. I have looked over the statement and none of the charges are familiar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted the company to inform them I was XXXX years of age and I was a minor. I also told them I was a victim of id theft, and that the entirety of my credit report including all inquiries and accounts were not mine. As a minor I should not have a credit report. I asked to have it all investigated and all information removed. I am now XXXX years of age as of writing this. The id theft occurred when I was XXXX years of age. I did not authorize anyone to add or create for me. The credit reporting agencies did nothing but delete a few things but everything should have been deleted. I provided all documentation such as ssn card, government issued id, ftc id theft report, and a local police report, I also wrote a letter addressing my concerns and what id like done to resolve this issue. but, again this company did not help. so now I write a complaint because at XXXX years old I should be building my credit. all the information is fraud and needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: National Credit Systems,Inc.
State: NV
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copyof my TransUnion Rental report sent to me via mail.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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: Experian Information Solutions Inc.
State: DE
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX {$1700.00} Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies

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 2023-07-05
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from " Weltman , Weinberg & Reis Co., LPA '' on behalf of XXXX XXXX XXXX stating that a person named XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX, CA XXXX, owes a balance of {$4100.00}. My name is XXXX XXXX, but I live in Kentucky and I have never taken a loan out from XXXX XXXX XXXX or ever even been to California. The letter states that I need to return an " Affadavit of Fraud '' to their office stating that I am not the same XXXX XXXX that owes this debt. Furthermore, I called " Weltman , Weinberg & Reis Co., LPA '' and over the phone one of their representatives confirmed that my birthday and social security number do no match the person who owes this debt, yet they still on insisting that I use my valuabe time to return the affadavit.

Company response to consumer: Closed with explanation