BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00} ; XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} 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 2023-07-02
Company: SYNCHRONY FINANCIAL
State: PA
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:
on XX/XX/2023 a fraudulent attempt to open a credit showed up on my credit report i contacted both XXXX and companies to delete

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 2023-07-01
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Comenity Bank keeps destroying my credit! 

They issue credit and lower your credit limit so it gives you lower credit ratings! 

They cancel your cards with no reason. 

I pay my accounts and had monthly payments automatically taken out with reoccurring automatically monthly. 

I had my credit score up and then they lowered my credit limit which caused me to look closer to my limit. 

This should be not allowed! This should be illegal! 

This company is destroying peoples credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TekCollect 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:
The dates of this supposed debt do not match with the dates of me owning the property. I had already sold my property months before when this supposed bill was issued. Furthermore, Service was stopped few more months prior to that even when the property had sold as the new owner was the tenant that was living on the property at the time. 

I have attempted to pay the debt that I do not owe in an order to restore my credit. However, after reaching out to TEK Collection company, they have stated that they are not able to accept a payment on behalf of XXXX California XXXX XXXX because they agreed that I was not liable. How is it legal to report a collection without being able to accept a payment? This is violating my rights per the FCRA. Not only do I not owe this debt ... .but the company refused to show proof that I owe the debt and they have admitted multiple times that it is uncollectable. I am asking for immediate removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I enrolled in auto payments with my credit card in XX/XX/2023 and was approved on the app for the lender. In XX/XX/2023, the student loan company requested that I use a checking or saving account so I chose a savings account. I attempted several payments in XXXX and received an email from the student loan company stating that they received a payment. 4 days later I received an email stating that my payment was missing. As soon as student loans began in XX/XX/2023 Aidvantage removed their app for smartphones and I was informed that I would need to sign-in online going forward. 

I proceeded to contact the student loan company and was told to inform my bank to allow the third party company access. I contacted my bank and was told that there was no reversal of a payment as they never received a request from my student loan company. I confirmed my account number and bank routing number with my bank. I contacted my student loan company in XX/XX/2023 and experienced the same issues. The student loan company stated that the payment were reversed by the bank and asked if I could make another payment. I attempted to make a payment with my checking account and the payment processed while on the phone with the representative. I noticed 2 days later that there was no attempted withdrawal pending in my checking or saving account, but it was reflected on Aidvantage website. Yikes, it shouldn't be this difficult to pay off a federal loan. What is Aidvantage doing?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, 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 have been dealing with this issue sense XXXX of 2023 and these accounts do not belong to me at all because they were caused by identity theft/fraud. I am a consumer and I know my rights. This is in violation of 15 usc 1681 b and that is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  claims I took out a loan that I never did take out ask for the paperwork showing where I signed for the loan they never gave me the paperwork or sent me anything showing I sign for the low this was opened under an address that was not even my address and address that I have never lived at I did not open this loan or take out this loan the address isn't even mine please have them delete this from my Equifax and XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The issue is regarding PayPal and PayPal Mastercard offered through Synchrony bank. 

Paypal sent me a credit card sign up bonus offer of {$100.00} if a minimum spend of {$500.00} was made within 90 days. I applied the next day and was approved. I have spent the {$500.00} minimum requirement within 90 days but as of XX/XX/2023, neither PayPal nor Synchrony bank have credited the aforementioned {$100.00} sign up bonus despite multiple calls to customer care. 

PayPal, credit card and sign up bonus were all linked to the email address : XXXX I have attached the email received ( XX/XX/2023 ) and also the approved credit card the next day ( XX/XX/2023 ).

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 2019-06-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take note that this student loan from XXXX XXXX XXXX was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from 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 2019-06-18
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i have discover cheking account and i have money in it almost {$3600.00} i couldnt use my debit card over seasethey dont honor discover in that country i came back called the discover to close my account its been over a month now every time deferent story i demand my account to be close and my money to be send to me they keep say its under business review i dont understand that i want my account to be close that is it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act 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 XXXXXXXX these accounts has violated my rights, 15 USC 1681 section 602 A 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 an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Source Receivables Management LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Several different collection agencies have been placed on my account by XXXX  since XXXX  in order to destroy my credit score. The only mobile phone I've ever had was a XXXX phone since I could have one. The false collections on my credit report from XXXX have dropped my score from XXXX to XXXX, and I have no idea what to do. As a new teacher, I want to buy a home and a car, but I can't even do that since the false collections on my credit report from XXXX have dropped my score. My credit score has been destroyed by XXXX  sending agencies to harass me. I need help to continue my life in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out multiple times in the past to have this debt removed it does not belong to me. This is a fraudulent situation and the company refuses to remove the collection from my XXXX  report. The only thing the company could provide was a phone bill that dosent solve or mean anything. I want this fraudulent XXXX  account removed from my XXXX report and to not be reported ever again. The company reporting this account right now is convergent outsourcing. Please help with this fraudulent matter.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently disputed items with TransUnion under FCRA 611 ( a ) regarding erroneous items on my credit report. TransUnion claimed they verified the disputed items and did not remove them from my report or update them. The items I disputed are incorrect and should be removed or updated. Here is a list of the items I have disputed with TransUnion. 
These items should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And this account should be updated to current, pays as agreed, never late - 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 2023-07-24
Company: EQUIFAX, INC.
State: MA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX paty.They in fact did not come from a XXXX party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2019-06-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take note that this student loan from XXXX XXXX   XXXX was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: CA
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. 


Account info Account name : XXXX XXXX XXXX Account number : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Account XXXX has been in question as I have never authorized an account with this company. They are reporting this account without my consent and have requested validation of this debt with anything bearing my signature and they have failed to respond. The initial request was sent to Experian, XXXX, and XXXX to investigate and I have not received a response.

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 2023-02-13
Company: Experian Information Solutions 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:
As a result of HJR 192, we the American people are the Creditors. Also a bank can not lend it credit. See LANGDON v OCWEN LOAN SERVICING LLC, WESTERN PETROLEUM CO. V FIRST BANK ABERDEEN , BANK V FINANCE ETC ETC. If these fact are true then any negative mark are fraudulent in nature and are being used to force my obedience which is extortion by XXXX XXXX ... Plus a check has been written and issued in accordance to UCC regulations.

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