BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: LA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX from XXXX on XX/XX/2023. 
Inquiry from XXXX XXXX XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Rent Recovery Solutions
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
A debt collector ( Rent recovery solution ) posted a debt on my credit history 2 years ( in XXXX  ) ago. I called them to inquire about the debt and I was told that It was for a rent that I didn't pay at my former apartment- XXXX XXXX  at XXXX XXXX XXXX XXXX ( previously known as XXXX XXXX ). They requested for evidence and I sent them all my monthly rent payments till the month that I vacated. Also, I forwarded the my 60 days notice that i sent to the apartment in addition to the uhaul receipt for the XXXX i used in moving my belongings out of the apartment. Upon investigation, they removed the debt from my credit history since the property couldn't tell them the exact month i was owing. 
Last month, I noticed that a report was made on my credit. When I checked, I noticed that same debt collecting agency has reposted same debt from 2 years ago. I called them to understand why it was posted and they couldn't provided any cogent reason. I was told that the apartment management said the debt was valid. I asked them to tell me the specific month that I was owing but they couldn't. I had to inform them that I supplied them with the evidences showing that I was not owing 2 years ago and they removed the debt. Since then, the debt agency hasn't been able to tell the specific month this debt was for so i can provided my receipt. The debt is still on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit 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:
We started getting calls claiming they where American Express with no call back phone number or email address, but they where requesting payments over the phone. Also calling after hours late at night XXXX. We asked for more information and all they would say is time is running out for us? 

My CPA was also getting the calls and she had to block numerous numbers because they where harassing her for information and also calling late at night. The callers was a woman and man. 

My CPA stated to me that she thought it was fraud and block all transactions on the card and numbers calling harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have just spent over an hour on the phone trying to remove a security block on my account due to me trying to purchase tires from Discount Tires online. 
The first agent stated she could not verify me since I did not have a landline The second agent, which was the same as the first one, stated she had to call me, which she never did The third agent, which was the same as the first one AGAIN, AND when I requested to be transferred to anyone else, she refused and just sat their quite until I hung up The fourth agent, did not listen, called me on my mobile and then refused to change my security word as the one on my account was setup 20 years ago when I had a joint account with my ex-husband! When I told him that my response to any question can be what ever I wanted, and I threatened to file a complaint with the FDIC, he finally did and stated my card was no longer blocked. 
I tried to use the card again, but his time I used a virtual card number that I set up thinking it would help. Guess what.. The card was denied again! 
The fifth agent had to transfer me, then I got XXXX who stated that my password was not changed, had to call me back, then since I did not want to hear what she had to say after she stated my card was unlocked, she said goodbye and hung up on me. 
The sixth agent stated that my card was still locked, and he unlocked it. He also stated that my security word still had not changed, and then started to tell me that all my purchase attempts from XXXX XXXX was actually going to be paid by Citibank! WHAT?!?! How, when XXXX, the last agent, stated that they were all charged and refunded immediately. PLUS, when I pointed out that my available balance plus my current balance still only equaled my total credit limit, so how was I being charged XXXX times for non-existent orders?!? I hung up! 

WHAT A JOKE! XXXX CALLS TO GET MY CARD UNLOCED!!!! 
WHY DO YOU KNOW JUST SEND A CODE TO THE APP LIKE 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 2022-12-30
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2022-05-16
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act Target XXXX Card XXXX, has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-10-20
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX, XXXX and Experian are showing a XXXX  XXXX and XXXX  XXXX bankruptcy on my credit report that they have stated that the data Furniture of the information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court and they have sent me a letter which I have attached test clearly states that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate any bankruptcies with any other outside companies. I have challenge this information repeatedly with all three credit bureau, and they have refuse to remove the information from my report. These companies are falsely reporting this information, and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in his cost me several opportunities of employment with very reputable. The display of this information is also cause me to be lose out on several real estate deals that I could not get funding for due to the nature of the items 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 2022-01-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I XXXX the consumer, Continue to Be damaged by the injurious nature of XXXX XXXX US DEPARTMENT OF EDUCATION. This is in response to XXXX documentation and response thereof. XXXX XXXX has Documented evidence of my account in a forbearance status with no interest incurring. XXXX has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of XXXX XXXX AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to EXPERIAN,. This is not authorized.. this is a data breach. It has been stated by XXXX That they must Furnish my account data proving they had no real reason only that must, XXXX claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. XXXX XXXX also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 XXXX or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form XXXX. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As XXXX is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. I XXXX the consumer know I am the lender and with the credit, XXXX has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

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 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
Dear Experian Dispute Team, I am writing in response to your recent communication regarding my dispute concerning the address XXXX XXXX XXXX XXXX, XXXX, PA. In your response, you mentioned that the address could not be removed as it was linked to a credit collection account. I would like to bring to your attention additional information that supports the assertion that this address is associated with fraudulent activity. 

As previously stated in my initial dispute letter, I have provided evidence and legal documentation proving that the collection account linked to the address XXXX XXXX XXXX XXXX was the result of fraudulent activity. I have appeared in court to dispute the validity of the collection account, and the case with XXXX was resolved in my favor, confirming the fraudulent nature of the account. 

Enclosed with this letter, please find the relevant documentation, including court records and any other supporting evidence that further substantiates the fraudulent nature of the collection account linked to the aforementioned address. 

I kindly request that you conduct a thorough re-evaluation of this matter, taking into consideration the legal resolution of the fraudulent collection account. Given the resolved nature of the case with XXXX, I believe it is appropriate and necessary to remove the associated address from my credit report. 

Given that the other credit bureaus have already corrected this information based on the evidence provided, I kindly request that you conduct a comprehensive review of the new information and reconsider the accuracy of the reported address. 

Information in question is inaccurate, and I trust that you will conduct a thorough examination of the new evidence presented. If needed, I am available for further clarification or to provide any additional information that may aid in the resolution of this matter. 

Given that the other credit bureaus have already corrected this information based on the evidence provided, I kindly request that you conduct a comprehensive review of the new information and reconsider the accuracy of the reported address. ( I provided documentation that all other departments already removed the address ) Information in question is inaccurate, and I trust that you will conduct a thorough examination of the new evidence presented. If needed, I am available for further clarification or to provide any additional information that may aid in the resolution of this matter. 

Thank you for your attention to this dispute, and I look forward to a swift and fair resolution.

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 2023-12-14
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit 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:
I went online to see when a payment was due for my credit card that I hadnt used since XX/XX/2XXXX because I wanted to pay it off. I noticed several charges starting from XX/XX/. All of the charges were from XXXX XXXX and XXXX. Many were charged on the same day in the same stores but different locations. All of the charges totaled over {$600.00}. I reported the charges and a so called investigation was done and determined that the charges were mine. I appealed the decision and was emailed the same day within hours of my request that the decision was being upheld. I received no explanation of how this investigation was done or how the decision was made despite asking. Typically credit card companies recognize unusual spending habits and you are alerted. My car was dormant for seven months except for payments and suddenly its active and being used erratically at convenience stores. That in itself is a red flag. I have a personal loan with this same credit card company Avant. Payments are made every month on time. I am not getting any help from them. Once this is resolved, Im paying this card off and closing my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Every time I go to use the card it declines my transaction even though the amount is way below the balance remaining on the card. Have only been able to use it at various stores but nothing online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a XXXX like in which i have 2 mobile. 1 for my wife and 1 for me. We paid the bill in full and all the devices are unlocked and i have a written email confirmation saying that my devices are unlocked. All this happened in 2019. After couple of years i started calls saying that i my XXXX file is sent to collections and i tried to tell them that is not the case but still they are asking me to settle saying that i didn't pay for devices. My XXXX XXXX account is monthly paid account and if i didn't pay a single month bill they should have stopped my services but they reached out to years after i moved to a different carrier saying that i owe XXXX $

Company response to consumer: Closed with explanation