BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022 I received notice from my XXXX XXXX account of an XXXX XXXX 
Bank of America was checking on my credit rating. 
I did not authorize this. 
I have opened an investigation with XXXX. 
XXXX XXXX case # XXXX. 

On XX/XX/2022, at my place of business I received an Official Change - of - Address Validation. 
I did not and have not authorized any person to do so on my behalf. 

On that same day, XX/XX/2022 I received in the mail with my name on it a : Bank of America Visa  XXXX XXXX Credit Card.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XXXX XXXX XXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section 807 of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the TERA program.

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 2019-04-05
Company: NAM National Arbitration and Mediation
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Just received a phone call from a lady calling from ( XXXX ) XXXX saying she was from a courier service and that she needed to speak to me because they " so-called '' had legal documents delivered to me and I was unavailable and they wanted to verify my address to send these legal documents to me so I won't be a no show in my upcoming court case. First of all, what court case and second, who are you with? She would not give me the information but transferred me to someone name XXXX. He stated they've been trying to serve me with court papers and they wanted to verify my address. I asked who he as with and he stated he was with someone name ADR.  Wouldn't completely identify himself, wouldn't tell me who the company was that was " suing me '' and told me I could settle with him without going to court. He continued to threaten me over the phone about suing me and I needed to make arrangements with him today. Again, no information on who the company was that was " suing me '' and he wouldn't disclose no account number, no amount that was owed, anything. Immediately, I knew this was a scam artist trying to get banking information from me and I know if they wanted to sue me, they wouldn't call me over the phone to threaten me, I would just be served. 

This XXXX person 's phone number is ( XXXX ) XXXX ext. XXXX. Again, would not give any additional information and I can actually sue him for threatening me over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Theres inquiries on my credit report that i never authorized

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 2021-02-16
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report has a delinquent account listed under creditor SOUTHWEST CREDIT SYSTEMS, L.P. original creditor listed as XXXX in the amount of {$580.00} opened on XX/XX/XXXX. I have contacted the creditor twice in the month of XX/XX/XXXX trying to settle this debt however they were unable to find an account under my social security number in their system. I have no recollection of opening this account in XXXX or ever in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Walmart credit card, by Synchrony Creitor, was stolen and used multiple times for purchases and cash back and I was made aware of suspected fraud through a courtesy email sent by Walmart. Upon checking my account in early XX/XX/XXXX, I became aware that my card had been stolen among other things on XX/XX/XXXX. I reported fraud to Walmart, they clarified the fraud, but never removed the amount due from fraud. I disputed error when notated on credit report, but results were marked with Accurate, and still remains a valid error on my account causing harm to my credit score.

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 2022-09-09
Company: EQUIFAX, INC.
State: MD
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 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: AZ
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 went to XXXX XXXX XXXXXXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There are 3 problems. First this company has made accessing accounts online difficult. The reason for this that comenity Bank only has a single domain name. Ie. D.comenity.com/ whatever lineofcredit. This compromises the clients online security by forcing an individual to memorize their user name and password, keeping all comenity usernames and passwords the same ( very comprising ), or by having previous knowledge of this problem and choosing different user names that include the channel of credit ( ie. XXXX XXXX XXXX ) .password keeping apps that are encrypted and safe to use do not recognize diffrent channels of credit because the domain name is the same for all channels of credit regardless of any sublocations ( XXXX XXXX ) If there is any additional noise in the background you are unable to use the phone system to make a payment. They have been made aware of this issue through several of my phone calls ( after finally getting to a person, not being hung up on ) The second issue is that their payment systems have not been able to be accessed to make a payment at all multiple times throughout this year. Either being unable to log into any accounts all together or just unable to load any navigation beyond the landing screen. There was even a notice that was sent out that they would be making their payment processing system available as soon as possible without giving any leeway for lateness. I believe from the time that I noticed, there was going to be no account access for payment processing and the time the issue was remedied for about month, it was 2 weeks. Comenity then discontinued business with floor and decor as of XXXX XXXX. They added charges to my account that converted it revolving account and closed my account. They told me that even though I'm an authorized user on the card I was not allowed to speak with them about the account. I was told by 2 associates that I instead needed to call synchrony bank ( which was incorrect ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out to the company on numerous occasions via Certified Mail, USPS and phone with no correction. Company has refused to update name variations, inaccurate addresses and inaccurate phone numbers.

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 2023-09-14
Company: Early Warning Services, LLC
State: MI
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'm submitting this compliant due to the negative information that Early Warning Services , LLC has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : Early Warning Services is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXXXXXX XXXX  : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of XXXX XXXX : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Orions Management Group, LLC
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:
Incorrect information on credit report with a collection agency that is reporting a recent open account accounts been close for over seven years and just got re-opened in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX and XX/XX/2022, Explore Credit debited {$620.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-06-02
Company: EQUIFAX, 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:
Regarding account ending in XXXX and CFPB Case XXXX, I am aware of your acknowledgement of the cease and desist request regarding account number ending in XXXX. XXXX XXXX has stated " A cease and desist status means that we will not communicate with you to collect a debt.. In the letter you stated that you respectfully are declining my request to stop reporting this account which is my personal information to the credit reporting agencies. And that it will continue to report for up to 7-10 years. I am aware that communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Keep in mind that a financial institution may not disclose non public personal information to non affiliated third-parties. Also I was never given the option to opt out of such reporting. Also my consumer report should never contain any experiences made between the consumer and the person making the report. Being that I am aware of these federal laws protecting my rights as a consumer and you must delete the account ending in XXXX. This is my written consent to opt out of credit reporting for account ending in XXXX. If my instructions to opt out of credit reporting can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or [ fraudulent statement or representation to a customer a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am aware that whoever violates 15 U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 U.S. Code 3751 with fines up to XXXX for a felony by an organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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