BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: Lending Club Corp
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: Problem with personal statement of dispute

Complaint:
I had a late payment reported by lending club during this coronavirus pandemic. As soon as I learned of this, I called to make payments to make my account current. I also re enrolled in autopay to avoid ever happening again. I have never been late prior. I had kindly written a goodwill adjustment letter and was denied the removal of the late payment. A remark was added to the report after my follow up phone call. A remark stating -affected by natural disaster.. If that remark can be added, why cant my late payment be removed. My credit score dropped 50 points. This all happened as soon as I was about to obtain a mortgage commitment for my home which I have been working on for the last year. I no longer qualify for my mortgage due to the late payment report. My new score is too low due to the 30 day late reporting. I have gotten a short extension to XXXX for the mortgage commitment. I am still trying to work with the lender about having the late removed and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: IL
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 fair credit reporting act XXXX XXXX XXXX XXXX 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 2682 section 604 A section 2 : it also states 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 non-monetary relief
Consumer complaint received 2023-03-03
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:
In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX  XXXX CO is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # 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 2022-07-22
Company: EQUIFAX, INC.
State: OH
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:
My name listed as XXXX XXXX XXXX Correct name is XXXX XXXX XXXX This was corrected but then was put back on credit file due to a company account which isnt mine verified incorrectly name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity bank, branded as XXXX ( travel booking website ) upon consumer request was instructed to close a consumer account on XX/XX/XXXX. In fact, the account was not closed which allowed fraud to be perpetuated on XX/XX/XXXX and Comenity capitalized on that fraud through the imposition of late charges and interest fees. Upon consumer remediation efforts, Comenity was unable to explain how a closed account was permitted to be used for charges a month after the account was to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-11-04
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a bill from this law firm from XXXX on XX/XX/2018. There seems to be no legal remedies for addressing to them to stop and they have violated the Fair Debt Collection Act by adding illegal interests to the original debt of {$200.00}. 

There is no state or federal laws that require me to pay them and I haven't had a trial or signed any contract telling me I am subject to pay them anything. 



I have complained about this same issue before with cfpb. A lawfirm has been hired to collect a debt for the city of XXXX. I have sent a legal letter to them back in the Spring when I got fined for a red camera issue. 

They will likely try to sue me or threaten to contact the State to revoke my license for non payment and many states and the Department of Justice has proven this behavior of debts illegal and unconstitutional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) under the XXXX. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Just an XXXX : I understand pursuant to XXXX XXXX XXXX ( XXXX ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX XXXX XXXXXXXX. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXXXXXX XXXX XXXXXXXX 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 a late for and purpose. Please remove late payments and update asap please.

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 2019-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
During our trip to XXXX in XX/XX/2019, XXXX fraudulent charges were made on our Bank of America card in the city of XXXX. Charges occurred on days we were not in that city. Charges were noted the day after our return and Bank of America was contacted. Bank of America personnel state the chip on the card was used therefore we must have made the charges. When I refuted their claim they told me it was difficult to sort out a fraud claim if it happens overseas. I have filed my fraud claim 3 times, made countless phone calls, and shared documentation regarding where we were each day of our travels. They continue to deny my claim. 
Arrive in XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX. 

Arrive XXXX - XX/XX/XXXX, two nights in XXXX XXXX XXXX.? Withdrew money from ATM in hotel during stay ( used XXXX ATM card ). Purchased painting, ate in the XXXX Quarter of the XXXX XXXX. 
Checked out of XXXX XXXX XXXX at XXXX local time ( XXXX Eastern Time ) of XX/XX/XXXX and traveled to XXXX XXXX, XXXX XXXX, sea of XXXX area. 
-- -- First fraudulent charges made later in the day XX/XX/XXXX XXXX ) XXXX XXXX {$190.00} 2 ) XXXX XXXX {$1700.00} Arrived Ramot - XX/XX/XXXX - Stayed at XXXX XXXX XXXX XXXX nights departing XX/XX/XXXX for XXXX. 

Arrived XXXX - XX/XX/XXXX - Stayed at The XXXX XXXX XXXX night. XXXX XX/XX/XXXX for XXXX XXXX. 

Arrived XXXX - XX/XX/XXXX - Stayed one night at XXXX XXXX XXXX. XXXX money from hotel ATM several times during stay. XXXX XX/XX/XXXX for The Dead Sea. 

Arrived Dead Sea - XX/XX/XXXX - Stayed one night at XXXX XXXX XXXX XXXX XXXX. Departed XX/XX/XXXX for XXXX. 
-- -- Third and final fraudulent charge made XX/XX/XXXX, XXXX XXXX {$4600.00}. 

XX/XX/XXXX arrived XXXX. Stayed one night at XXXX XXXX XXXX. Departed for XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer. There is not a third party representing me. I have explained to TransUnion that I am not liable to pay this debt from XXXX XXXX XXXX, they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company National Credit Adjust has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to TransUnion as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX  to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! TransUnion has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. TransUnion is in violation of several FCRA laws. This is a defamation of my character and damage to my financial life. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that TransUnion immediately and PERMANENTLY delete this information on this debt that I do not owe and discontinue reporting.I do not owe national credit adjust and they are in several violations of the FDCPA and TransUnion is in violation of several FCRA laws. I demand that TransUnion delete this stated fraudulent debt from my credit profile 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 non-monetary relief
Consumer complaint received 2020-12-13
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Atlanticus Services Corporation
State: NJ
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:
My account was closed for not using it my bank continued to make payments I have a credit balance of XXXX that I have been trying to get for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: EQUIFAX, INC.
State: NC
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 have sent many letters trying to get XXXX and Equifax to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have not.

Company response to consumer: Closed with non-monetary relief