BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-11-23
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered into an agreement with XXXX XXXX XXXX. I do not know who Tromberg Morris Poulin PLLC is. I never spoke to them or have never done any business with them. I do not know how they have my personal information. Tromberg morris poulin PLLC is trying to deceptively coerce me into making a payment on a " debt '' I do not owe. I have been harrased by them now and in the past. I will be making further separate complaints about the past incidents with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX FST XXXX  XXXX XXXX COMM XXXX XXXX XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX SER XX/XX/2021 XXXX CARDS XXXX XX/XX/2021 XXXX SER XX/XX/2021 XXXX CARDS XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2019-11-21
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 have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XX/XX/XXXX Date:XX/XX/2019Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX   XXXX Date:XX/XX/2019Company : XXXX XXXX XXXX XXXX   Date:XXXX Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019Company : XXXX XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company XXXX XX/XX/XXXX XXXX Date : XXXX Company XXXX XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} Account:XXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}

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 2022-05-04
Company: CITIBANK, N.A.
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:
XX/XX/2022 I purchased an airline tickets {$3300.00} over the phone through an agent in XXXX a good talker give discounts & says dont worry I can cancel it within 24 hrs if I change my mind. He ask for my credit card for payment I trust him give my new Citi Master Card that has a 15 months 0 Apr for purchases & 0 liability for unautorize purchases. On the XXXX  we changed our mind & called my agent many times to cancel no answer, XXXX nobody can cancel.I email them no responsed. This is wrong so I called Citi customer service told everything & I want to cancel the payment & not authorized it. They give me a new card. After 2 days the payment went through. Call them again give me a lot of reasons why it go thru. So I decided to call XXXX  to get my refund because Citi is not helping & protecting me. Because even I told them everthing what happen & clearly say I dont authorized it they pay the merchant. I went to a lot of stress to get a refund. My agent finally answer my call on XX/XX/XXXX. I did not get the full refund only {$2500.00} on XX/XX/XXXX. I saw I lot of complain online about this XXXX  same what happen to me. So I file a dispute for {$830.00}. Its clearly they doing it to others. They dont answer my calls & emails to expire the 24 hrs free cancellation to get money it intentional. But Citi master card did not help me. And told me I liable for the {$830.00} why should I pay I call & inform them to cancel my payment. And in the letter they sent me they threatened me they will report me to the agency even I pay more than minimum. No good Im the consumer they should protect me.

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 2019-03-21
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received another letter from Resurgent Capital Services. I have requested the proper documents to show and prove they are an Entity that is able to enforce a claim upon my person. I have asked for standard contract, receipts, bill of sales, these are easy to come by and provide to me. I will make it easy please send me the Date Of Late Activity?? My name is XXXX XXXX XXXX. I am requesting Resurgent Capital Services provided me with said account XXXX Ref # XXXX Can I see a Original date of default and collection activity begin, whether you purchased the debt, and if so, the amount, paid for the debt, the date the debt allegedly accrued interest? I do know the law and I can read both FDCPA and FRCA. I live in the state of OHIO we have a UCC LAW 1319.12 Taking assignment of debts and there are standards that you can look up XXXX IT! Once again I fail to see were Resurgent Capital Services is in compliance with OHIO law which is based on Federal LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: MD
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 13th 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. 
XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  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 2021-05-04
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 sent numerous letters to the credit bureau with affidavits and they have not removed the incorrect items from my credit report. I specifically asked WHO is the person that is verifying as accurate and I have yet to receive a reply. I would like to escalate the problem but can not receive the proper information. This is a violation of my rights as they have not responded and has been longer than 30 days as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 ExperianXXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX After reviewing a credit report issued by you Experian I have found many errors. 

Specifically, these errors are in the Personal Informationsection. I am seriously concerned about identity fraud and feel that havinginaccurate information on any credit report can become an opportunity to open meup to identity theft, which I, as a knowledgeable consumer would like to avoid. 

The inaccurate information, as explained in red on the copyenclosed The following address are wrong and I have never been associated with them : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX Please accept my proof of identity and address in the form of the enclosed documents so that I may have a completely accurate credit report.

Please delete these disputed items. Thirty ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 


Thank you, XXXX XXXX Enclosed : copy of drivers license, and recent original utility bill

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 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-02-22
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:
Ive went over my credit report as i am trying to purchase a house and i have sent multiple disputes to this credit reporting agency, with whom are violating many consumer laws 15 U.S. Code 1681g - Disclosures to consumers, being XXXX & also 15 usc 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THERE IS SO MUCH I WOULD LIKE TO ACCOMPLISH BUT IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got a loan with this atlas credit in XXXX XXXX Texas I was paying on time all the time I was helping my parents out and have been having a hard time since I tried talking with the company the manager starts going off on me and talking down to me and so hung up called the DM even she was apologizing and told me pay what I could so I did but the harassment has been none stop my references have asked for them to stop calling them and they tell them they have the right to call as much as they want when they want too. My husband has asked them to stop coming to our house the woman said they can whenever they want and they call my work my boss has asked them to stop they will not stop at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been divorced since XX/XX/XXXX. In the Divorce Decree, my ex-husband, XXXX XXXX XXXX, acquired The Bank of America XXXX ( and his attorney had me sign and notarize a Customer Removal Authorization. ) Unbeknownst to me, my XXXX retained and continued using a BOA XXXX credit card without removing my name. Unfortunately, my XXXX passed away XX/XX/XXXX. I had no idea he was using this card and that I was a " co-loan signer. '' In XX/XX/XXXX, I received a bill for {$880.00}, stating this bill was past-due. It was not an itemized bill, so I had no idea what that amount was for, but I knew those charges were NOT made by me. As a matter of fact, in the last XXXX years since my divorce, I never charged anything or received a statement from BOA. I don't have this credit card in my possession. Since receiving this XXXX statement, I have spoken to multiple BOA agents, including Customer Service, Collections, Fraud, XXXX XXXX, and Dispute employees and Supervisors to no avail. I received a second overdue statement XX/XX/XXXX, in the amount of {$910.00}. Still no itemizations. My credit score ( normally XXXX ) has plummeted. I also supplied relevant legal documents ( XXXX XXXX and XXXX XXXX ) to Bank of America.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

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: Indie Technology DBA Found
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a dispute with my online banking account FOUND they are denying my disputed claim of {$1200.00} and it's is their fault that my money was taken.so the end of XXXX XXXX a few transactions to the time of {$600.00} that I didn't make and I had no idea what they were XXXX tried to contact the merchants to see what these charges were for, no luck so I filed a dispute with FOUND telling them that {$600.00} had been stolen or used on my card or account without my permission and I opened a dispute well I thought I did about 2 days later I received an email that made me check my found account and more money has been taken now there has been {$1200.00} stolen from my account and I had to stay on chat and make sure they opened a dispute and secured my money well I was never offered provisional credit and I kept trying to get a hold of a supervisor atter nearlt 25 business days hhas past and no response from my bank so I'm messaging repeatedly and to only geta response back the they would not be honoring my dispute because I failed to keep my account safe how is that possible I took every single precaution that was available to me and I notified the correct parties about the unauthorized activity and I did everything within my power to ensure my moneys safety and for found to blame me for it just infuriated me Because I had to them that money was gone and they let more of my money get taken it stolen after I made them aware that I did not know what those merchants were I did not make those purchases they still after that allowed the same merchant to steal more money from me please help me get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: MD
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 accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX College {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation