BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: EQUIFAX, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I the natural person and original creditor XXXX XXXX XXXX XXXX ) was entered into credit transactions that I did not authorize or consent to. I am a victim of identity theft and fraud. somehow my information got onto the dark web and now these scammers are using my information to open new accounts and apply for new credit without my consent. I attached both of my FTC Reports that I filled out ( # XXXX & # XXXX. I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. REMOVE IT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XX/XX/2022 charged {$840.00} for in network insured coverage. My balance was {$380.00} which was paid. The balance of {$460.00} was charged to me, I did not receive an additional invoice, and the balance was sent to Medical Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX. I called to dispute the charge, and was told there is no reference number to record the dispute. After a dispute is filed, neither XXXX XXXX XXXX and Medical Revenue Service will discuss the dispute with me for 30days. Medical Revenue Services provided no additional information for me to be able to provide additional information of the false billing. I frequently receive bills from XXXX XXXX and XXXX XXXX XXXX that are inaccurate, as well as being billed months to years after the charges were accrued. XXXX XXXX is practicing exploitive billing techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In XXXX XXXX 2018 Citi decided to take it upon themselves to be able to decide what kind of legal firearms components I could purchase. This is an invasion of my privacy and personal rights. They way over stepped their role and how they insert themselves into our private lives.They are bullying us legal creditcard holders that have the citi double cash back card. My citi mastercard number is 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 2023-01-07
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Experian XXXX XXXX XXXXXXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not sure is accurate. Some of the people reporting these on me, Are you familiar with a law called 15 U.S.C. Sec. 1681i ( a )? If you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent accurate. So, could you please check on these and get back with me? I know you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Items Need To Be Validated : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I would also like the updated report after you investigate this Information on Consumer Report. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 
Thank you for your time and help in 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 2019-11-04
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: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNT XXXX  XXXX never late DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX  XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX  XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX  CC XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine COLLECTIONS 08 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine

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 2023-12-23
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account I did not open this account. I was XXXX to the XXXX XXXX with the XXXX during this time. This is not my bill. I did not open this account. We never receive a bill. What address was used to open this account? I refuse to pay for something that I did not do.

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 2019-11-04
Company: MoneyLion 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: Account status incorrect

Complaint:
This account back on XX/XX/XXXX was showing as closed account, Now it is showing as an open account and i was not notified of any update to this account stating it would be reopened. I am supposed to be notified in writing 5 days before that this account would be shown as open and readded to my credit report. Now it is showing 21 late payments when back in XXXX it was not showing any at all. Why is this company readding information and re opening this account status and i was not notified before hand. This company in the past has been known to report inaccurate data and no one will remove this account off my report because of that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 had problems with identity theft and fraud on my records for years. There are several accounts on my credit report that do not belong to me. My identity has been hacked, sold on the dark web and I have been informed by several hospitals that I attend, that their systems were hacked into and my info was used by the hackers.

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 2023-02-28
Company: CBC Companies, 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:
This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I am on XXXX  military duty status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. They have violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : I have the right to privacy and i did not give Transunion written permission to furnish these information 1. Inaccurate Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Inaccurate Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Inaccurate Employer XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account status incorrect

Complaint:
This lease was forgiven by the manager at the company I made arrangements to begin paying the balance owed I made 2 payments one in XX/XX/2020 then another in XX/XX/2020 however because of Covid 19 Pandemic I eventually lost my job and was unable to keep up with my arrangements I contacted the office and let them know that I had applied for EDD and would get a payment to them as soon as my payments began I was assured that was ok and it would not hit my credit negatively however the Edd took months I called the office numerous of times to let them know. 

Well the last time I called the Customer service Rep in XXXX I was advised due to the Pandemic they would not be holding me liable for this debt as the office received funds from the SBA and it was all a wash and since I had made some payments I was not liable for the rest as the world was in disarray and I was employed So I left it alone however 2 years later this is on my 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 2023-12-18
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: Personal information incorrect

Complaint:
On XX/XX/2023 I sent a priority letter through the XXXX to : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I called Equifax to ask if they had gotten my letter and documents are they claimed they had not received any letter. I lost the tracking number so I was unable to verify if it had definitively been delivered. 

I sent a new letter XX/XX/2023 containing the same information ( Legal name change court order, photocopy of passport, photocopy of SSN card with physical mailing address on it ), and even though it has been delivered as of XXXX am XX/XX/XXXX, they are claiming they have not received any letter from me. 


This letter I sent is regarding a dispute about my personal information, as I wish to update my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions 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:
I have a problem with this credit bureau for years and having a issue disputing 3 items on my credit report ... Those items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt open these account at all or do business with them and I send in a vaild police police ( FTC )  and Experian didnt remove it off my file and I have to wait 30 days again and few reps were rude to me and told me I have to talk to the creditors which I did and they told me they send in the information to Experian and the other two bureaus

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 2022-03-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-03-26
Company: EQUIFAX, INC.
State: NV
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 filled out a page of investigative accounts for Equifax to investigate. Previously my file was 34 pages long when it should be 12 pages long. Now they have managed to extend it to 54 pages long. They refuse to correct or omit closed accounts, that were closed 7-8years ago. They refuse to scrub pages of XXXX   balances. they refuse to shorten and streamline my report. My report is filled with all the " garbarge '' they can manage to throw into it to to make it as long as possible. It is no longer a report, it is a book. This third rate company would rather endure torture than omit ANYTHING, whatsoever from my account. My credit report looks like XXXX. I would like it cleaned up and shortened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have got solar panels installation from XXXX XXXX on XX/XX/2023. The representative came to my home gave me a quote of XXXX $ and I would receive a XXXX  credit of XXXX $ approximately. And gave me a finance option with their partner DIVIDEND FINANCIAL. The quote I got was XXXX $ a month and told me that if I didnt pay back the XXXX  XXXX of XXXX $ back to DIVIDEND FINANCIAL then my XXXX XXXX go up after 18 months from the loan initiation time. Now DIVIDEND FINANCIAL has increased my principal balance from XXXX $ to XXXX $ and when I asked for an explanation they say the payments of XXXX $ I am making is not lower than the interest accrued each month and hence the remaining balance is being added to my principal balance and is being compounded. I contacted XXXX and they told there is nothing they can help me with it and DIVIDEND FINANCIAL is not helping either. Please help me resolve the issue. My only concern is the principal balance being increased even after regular payments. I havent missed even a single payment till date. Thank you!!!. I have attached the signed document for the total balance with XXXX XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Bread Financial 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:
I did not apply for this comenity bank/XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, an order on the XXXX website was made by mistake, the order was received on XX/XX/XXXX which was canceled the next day in the XXXX store located in XXXX XXXX. The refund takes about a week because this product belongs to third parties. This purchase was made with a XXXX XXXX credit card which reported an overcoming with this purchase, this purchase was really a mistake and the cancellation was made the next day that the order was received. This transaction no longer exists on the credit card but this was reported to the credit bureau which made XXXX points down my credit score. I would somehow like to solve this situation and receive these XXXX points again and that this transaction does not affect my credit history.

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 2023-12-20
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:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. Kindly assistance

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
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 am writing to demand removal of all charge off 's, collections and public information removed from my report. This is a violation of 15 UCS 1681 ( a ) 4 and my right to privacy. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX and I have been fighting Equifax for some time now. They have my birthday incorrect and even after several attempts to get them to fix it they still have it wrong. I have supplied them all the information they need to investigate the information and they still report it incorrectly. I am not sure if they don't read English or what but the information they listing is wrong. I have called them, written them and still they refuse to fix their incorrect information. The birth date they are reporting is associated with fraud and they should have done more at that time instead of trying to lock everything with the wrong information! I was a victim of fraud and using that incorrect information also shows an account with XXXX XXXX which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe a debt to this collection agency. This collection purchased this debt from another collection agency I had removed on my credit and have been on my credit report for over six years. Statue of Limitations for Virginia requires this collection agency to stop trying to collect a debt thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A hard inquiry is showing on my XXXX  from Barclays I did not apply for this line of credit and reported they said they would not process the application and report it as fraud but the hard inquiry is still showing up

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