BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX reported my account as late although I did send them the payment and the Late mark was due to a system error. When my XXXX account was sold from XXXX to XXXX  I was never informed. Although I sent my payments in on time the payments were never applied because XXXX credit card switched back without my knowledge. This resulted in a late payment through no fault of my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: AFNI INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Contract  was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA. XXXX D.O.B.- XX/XX/1986 S.S.N.- XXXX To whom it may concern : The following account : 1 ) XXXX XXXX XXXX ( Acc. # : XXXX ) is inaccurate and I ask that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed complaints and tried to resolve this with each credit bureau ( Equifax, XXXX, and XXXX ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and XXXX XXXX and should be excluded from my credit report. 



603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standingXXXX XXXX XXXX - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, 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've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL 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. I have contacted the FTC and police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report. 

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: MI
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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've been pretty consistent with pe.ying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX some inquiries e.s well the.t e.re not mine ALL 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. I have contacted the FTC and police.

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 2021-06-27
Company: Paypal Holdings, Inc
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is XXXX, Venmo froze my account n XXXX the money, they did it twice to me before that with PayPal. 
We need to contact the district attorney and ny state attorney general. 
They are not allowed to get away with thisPeople that run companies in such a negative manner are toxic to society, they can take what they want, when they want, change this policy and that policy whenever, however, freeze accounts/unfreeze accounts and hold our share for their own XXXX XXXX/agenda ( s ).

So I suppose while we are being ripped off, trying to make an honest living, Similar issue just happened to a friend of mine trying to pay me for rent. They paid the wrong person by mistake and now have frozen her account which leaves me left without the funds. If this isnt resolved quickly we may be looking for a new place to live. So frustrating and their support people are evasive and refer you to email only. Absolutely unacceptable customer service., I found that my venmo account had been frozen and all of my funds that I had at my disposal were being held. I spent countless hours chatting with a vast army of representatives before finally hearing from an account specialist via email. They stated that I had broken one of their policies and that my funds could be held for up to 180 days for loss prevention purposes. I stated that the only loss was my money. No matter what I did, they still have not told me exactly why my account had been frozen. I have XXXX XXXX and some change lock in my venom account and for trying to transfer out to my bank my account was frozen and after complying with thier requests for my back account statements my account was no link nger available to me with my money taken by them This is total XXXX we all should stand together and file a law suite against these XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: MI
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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2020-03-09
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft, a Macys account was placed on my credit due to this incident. I contact Macys numerous times, sent them copy of police report .. disputed item and they refuse to remove item. They are unable to sent the verification and still tell me that item belongs to me and its verified. This account has been damaging to my credit and I need to get it remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed 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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XX/XX/XXXX, according to my XXXX credit report, I opened a Kohls credit card. However, I only became aware of the existence of this card in XX/XX/XXXX, in the course of applying for a mortgage to purchase a home. My mortgage broker said that I owed ~ {$450.00} associated with a KOHL 's credit card, and that it was negatively impacting my application. I called Kohls in XX/XX/XXXX and they told me that they had sold the account to a collection service in XXXX. I asked them to please send me a copy of the credit application so that I may review signatures to authenticate. They said they were not able to do so. I asked Kohls to research the dates/times of transactions on said card and search video of associated purchases to investigate. They said they were unable to do so. They reiterated that my complaint must be taken up with the collection service. When I contacted the collection company which Kohls hired they stated that they could help only after the debt was paid. So in XX/XX/XXXX I made a payment of ~ {$450.00}, and I pressed on with my research. My former wife and I separated in XX/XX/XXXX. My theory is that she took out the card in my name. She managed all of our financial affairs. I'm in an awkward position as the non custodial Father to our XXXX children. It would be extremely detrimental to my relationship with my children if I were to look to the courts for relief. I have no knowledge of the card. I've taken the high road and paid off this debt. In the absence of an original credit application or video evidence of purchases I allegedly made, it is my wish that Kohls would correct the record and delete the negative reporting associated with this fraudulent account opened in my name. Currently, my credit shows four late payments in XXXX, and two late payments in XXXX, and then a charge off in XXXX. The charge off incidentally happened in XXXX, and not in XXXX, according to my conversations with Kohls and according to my conversations in XX/XX/XXXX with the XXXX XXXXXXXX XXXX which they sold the account to in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX I received a ltr of denial for a credit limit increase on a Synchrony pay pal acct that I knew nothing about. That acct was opened in XX/XX/XXXX and I never got any info on it. Who ever opened acct was making payments on it that whole year. Now Synchrony Bank/paypal trying to stick me with the bill # XXXX with balance now of {$4400.00}. When I contact Bk -XXXX  XXXX-they said they would do fraud investigation. I have put fraud alerts on all 3 Credit bureau 's and filed report with FTC. They have done 3 Fraud investigations but still saying it's mine. File police report XX/XX/XXXX with XXXX Co. Sheriff 's dept. Det, XXXX XXXX case # XXXX. He feels they have mixed my acct with another XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX. He was to call them. Hadn't heard anything else until today I got another monthly billing statement..

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 2023-08-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
On XX/XX/2023 at XXXX. I received a text from Truist asking if I attempted to make a purchase from " XXXX XXXXf XXXX ''. I called the customer service number and told the representative I did not attempt to purchase anything with that card as I hadn't used it since XXXX and it sits in my drawer. 

The representative then informed me there were other purchases made with this card including an airline ticket for over {$1800.00}. Which I informed them that I definitely did not make nor authorize. I was told everything would be investigated and I could be sure these items would be taken care of since I didn't authorize them. 

I received a letter from Truist a few days later dated XX/XX/2023 stating these charges would be removed from my credit account balance. When I checked a few days later all charges were removed except the airline ticket ( XXXX ). When I called to inquire about this I would told it was still being investigated. 

I went into a local branch on XX/XX/2023 XXXX XXXX, Senior Representative for the branch. I informed her of what was going on and she attempted to assist with the issue. Our first contact was with XXXX XXXX who stated the investigation was conducted and approved. I should see a refund of the {$1800.00}. When asked when she said she didn't know and transferred us to another representative XXXX XXXX XXXX ) who said it was not approved and I would be responsible for the charges. When asked why he said he didn't know. 

XXXX asked that we be transferred to escalte this issue and XXXX XXXXan said it would definitely be escalated and I would hear from someone soon. It has been over a month and a half and I still can not get resolution to this issue. No one has answers and I told them this is effecting my credit score. 

Any assistance that could be given to help with this situation would be greatly appreciated.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXXXXXX XXXX and XXXX XXXX are unfounded items I have no responsibility for.

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