BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, account XXXX ( XXXX ), account XXXX ( XXXX XXXX XXXX XXXX XXXX, and account XXXX ( XXXX XXXX XXXX ) have 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 an 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 2023-12-15
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: Account information incorrect

Complaint:
This credit reporting agency has furnished my account balances and my utilization percentages on credit reports without my written instruction and authorization. This is a violation of 15 U.S.C 1681b ( a ) ( 2 ). 15 U.S.C. 1681b ( a ) ( 2 ) states that consumer reporting agencies may furnish reports only in accordance with the written instructions of the consumer to whom the report relates. I have not given any credit reporting agencies written instructions to report my credit balances or my credit utilization percentages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: MN
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 explanation
Consumer complaint received 2022-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To start, ( A ) signing in is made difficult by the company rushing the security code process. Once signed in, ( B ) the website no longer allows me to pay. Recently the automated pay by phone has been made difficult by 1 ) rushing the security code process 2 ) removing stored bank information. 3 ) Rushing the confirmation number which is twice as long as any other card and not giving the chance to listen again to confirm the number is right. This lead to ( C ) excessive wait times to talk directly to a representative who after 1 ) rep took payment failing to give confirmation number. 2 ) rep did not send my payment. 3 ) non payment lead to a late fee with interest. 4 ) lack of taking payment also lead to a lowering of my credit limit which put me instantly over the limit. All this HSBC sent to the credit bureaus that smears and lowers my XXXX  score which in turn they use as a weapon to extract more money from me. Also HSBC credit card customer service is a fraudulently put me on wait for 2 hours holding for the Disputes Dept then cut me off. Another time after hours of wait, another HSBC rep transfered me out to a medical insurance provider. Another time I was told that the disputes dept. is not contactable, only to have disputes contact me 3 weeks later as if to start a dispute I spent days already talking about. My balance remains uncertain, blame and costs have been shifted to me unjustly under the cover of valid reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and XXXX just appeared on the consumer credit report with out having a contract or even consent to furnish private source data information, clear violation of permissible 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 non-monetary relief
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: VA
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 am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my chapter XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.

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 2022-02-06
Company: EQUIFAX, INC.
State: VA
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 am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my chapter XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX
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 sent letters off for these creditors on XX/XX/22, and XX/XX/22 and I got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MO
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 wrote a letter to all the CRA 's : XXXX, Equifax, and XXXX on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing.

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

1 ) Acct name XXXX XXXX XXXX XXXX XXXX XXXX  Acct name : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct name : XXXX XXXX XXXX  XXXX15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy.

*15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

*15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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 2022-02-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I signed up for a promotional offer when I made a purchase from lumbar liquidators. The financing company they had me go through was Synchrony Bank. I have had issues with this company from day one. After signing up for the credit card I called them less than a week later to setup automatic payments for the amount necessary in order to have my loan paid off within the promotional offer so I would have everything paid off interest free. First month goes by and they did not take out the automatic payment as I requested. I continue to call them for XXXX year while in the mean time making manual payments. Finally after about a year a representative finally got it handled for me, had the automatic payments going through and I didnt have to keep doing manual payments, yay! So fast forward another year ( present time ), I go to check my statement as everything should be paid off by now. Well guess what!!!? they set up automatic payments for the minimum of what their fees requires, and not the minimum for what it takes to get my card paid off within the promotional period!! That is not what I had been trying to get synchrony to setup for over a year and now they said I have to pay XXXX XXXX within XXXX days to complete the loan or they will be charging me XXXX XXXX in interest. Even though they were the ones who failed repeatedly to withdraw the correct amount, I now am stuck having to come up with {$2000.00} out of pocket with only XXXX days to do so. Avoid this company!! They do not care to correct their mistake in any way, and Im sure they have done this to other people in order to scam them for money.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-06
Company: CBC Companies, Inc.
State: MN
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 received my Innovis Credit Report and found inaccurate information listed on Innovis Credit Report. The following Requests Others Can See are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX Financial XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX and XXXX, XXXX XXXX, XX/XX/XXXX XXXX the following Requests Only You Can See is also fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, Innovis Consumer Assistance XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX following addresses listed on my credit report are not my addresses : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX and XXXX XXXX XXXX, XXXX, AZ XXXX, I have never resided at the listed addresses. Furthermore, I want the Opt Out immediately deleted and removed from my credit report. I want to Opt In for promotional offers of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CITIBANK, N.A.
State: VA
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 XXXX account was open 2011 thaw is not my account I did not open this account with this company. I've as for the credit application numerous of times and the company still hasn't provide the information. I've sent dispute over with my driver license and other documents the company has ask for. I've sent over all the information the company requested from me to provide my identity. I can't provided any contract but the company has provided me with such documents.

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 2023-11-02
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 have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2022-02-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Comenity Bank has called my number numerous of times looking for my son not I and Ive asked them several times to remove my number from their call system I am not a user on that account nor is my phone number on that account at the point its affecting my health and they continue to call harassing me at all hours of the day and night

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from PayPal by the date of XX/XX/22 PayPal invoiced me to pay {$220.00} which will be deducted from my account in 24 hours with no notice. I dont owe any debt to PayPal Im a consumer and they can not validate I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax made available through it's data product " The Work NumbeXXXX '' aka " XXXX '' details about my income, employment history, and tax/medical withholdings without my consent. 

Following the instructions on the Equifax website ( https : //employees.theworknumber.com/employment-data-report ) here to opt out and " Freeze '' my data resulted in no response within the 3-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately three-four years ago I started to received letters and calls regarding this debt. I advised the company the debt was not mine. I disputed the debt in writing and by phone multiple times. In fact, when I called the company, they confirmed the debt was not in my name. It wasn't until many calls and letters later they changed the debt to my name. In fact when they finally sent the debt to a third party collection agency, the collection agency stated another persons name. I advised them the debt was not mine. that I never had a XXXX account. I hired an attorney and the attorney corresponded with the collection agency and with the original creditor, XXXX. The attorney received validation of the debt which confirmed the account was NOT in my name. The debt was removed from my credit and I never heard from them again. For a short time the debt was deleted from all three major credit reporting agencies. Recently the debt showed up on my CBR again. I believe this may as a result from XXXX being sold to XXXX. I called XXXX to confirm they do not have my debt and they do not. I have no outstanding bill with XXXX and I do not owe this bill to XXXX. The bill was fraudulently placed in my name by the original creditor. Validation of the debt and the original contract proves this. I have had the same phone number with zero issues and zero late bills or payments for many years. This can be confirmed with XXXX. I am requesting a thorough review of this debt and ask that it be deleted from all three major credit bureaus immediately.

Company response to consumer: Closed with explanation