BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
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: Information belongs to someone else

Complaint:
AUTOMATED ACCOUNTS MANAGEMENT Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons

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 2022-01-06
Company: Diaz & Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Diaz & Associates sent me a fake debt bill. Saying I owed XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: DFC Global Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, ASPEN Financial Direct issued a loan to someone who stole my identity. This financial company never pulled my credit and somehow was able to issue a fraudulent loan. I have since looked them up with the XXXX XXXX XXXX and it seems they issues loans without pulling a credit report to stolen identities. Even if they would've tried to pull my credit, they wouldn't have been able to since I keep all 3 locked. 

I didn't become aware my identity had been stolen and this loan existed until the collection account appeared on my XXXX credit report in XX/XX/XXXX from XXXX XXXX XXXX. I filed a report on IDENTITYTHEFT.gov and was able to get it removed. 

Then they sold the fraudulent loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I've spent a ridiculous amount of time fighting this with the credit bureaus. Now XXXX denied my dispute and I have to keep fighting, wasting my time, while this company gets away with stealing identities and issuing loans. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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:
Credit inquires on my report that are not mine. I disputed these directly with the company and with the credit bureau and they still remain XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XXXXXX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}

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 2023-04-14
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late 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 2023-01-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-10
Company: EQUIFAX, INC.
State: IN
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 Account # 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 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 late for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, NA XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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've brought this matter to CFPB and XXXX XXXX  before. Today, looking at my report and continue to see the questioned payment discrepancy that occurred almost 5 years ago impacting my score. This is in addition to now having paid almost the entire balance off. I considered hiring a lawyer, but during my research came across the below consumer legal rights. 

In accordance to the Free Credit Reporting act. This creditor XXXX XXXX  has violated my rights under 15 USC 1681. Section 602 which states that I have the right to privacy.

15 USC 1681, Section 604 a, Section 2 ( II ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please address this accordingly, immediately and lawfully.

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 2020-07-16
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:
MY IDENTITY WAS STOLEN MY INFORMATION WAS USE TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NMAE WITH MY SSN AND MY PHOTO ID

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 2023-01-02
Company: Experian Information Solutions Inc.
State: CT
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.

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 2023-01-01
Company: Klarna AB
State: VA
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:
Dear CFPB, An account was opened on XX/XX/2022, using XXXX XXXX XXXX 's address, Social Security number, and possibly his birth date. The account Order reference number : is XXXX. A lack of payment is probably affecting XXXX XXXX XXXX 's credit score, causing harm to his credit score. The business address is Klarna, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft

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 2020-07-09
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was acquired by Freedom in the first quarter of XXXX. At the time of acquisition I was current on my payments. Although I was in bankruptcy at the time, my home was not included. Not only did I pay my mortgage on time, I always overpaid. 
I received my first statement from Freedom dated XX/XX/XXXX. Not only was the payment amount incorrect, I was being charged XXXX as a past due amount. my statement also showed the money I had overpaid ( XXXX ) was being held as unapplied funds. 
My next statement was incorrect as well, I called but do not recall exactly what the rep said but I waited til the following month to see if the situation had been corrected and my payments properly applied. 
My statement dated ( XX/XX/XXXX ) reflected a payment amount of XXXX, with a positive balance in the category of past due amount of XXXX. My over payment ( unapplied ) was now XXXX. 
I paid the amount due of XXXX. I scheduled my next payment of XXXX to pay the amount due on XX/XX/XXXX. I expected the XXXX to be applied to my account however it disappeared. There was now a o balance. 
My over payments which should have been held until they equaled a full payment, were partly used, instead of XXXX I now had a balance of XXXX but my new payment due was otherwise correct at XXXX. 
This is just an introduction to the accounting issues I have had to deal with. 
I have spoken to numerous representatives who assured me the account would be looked at and errors corrected. 
My auto pay amount for XX/XX/XXXX was incorrect and this resulted in an underpayment on my part. 
My payment due XX/XX/XXXX including a XXXX fee classified as bankruptcy expenses was XXXX my auto pay was XXXX. 
I called Freedom and spoke to XXXX who told me to pay XXXX to bring the account current. I called back on the XXXX and was told to pay an additional XXXX and pay my regular payment amount next month ( XX/XX/XXXX ). My statement dated XX/XX/XXXX has erroneous fees in the amount of XXXX and XXXX overdue. I have no idea where these amounts came from. 
My XX/XX/XXXX statement reflected a payment due of XXXX. My auto pay paid XXXX. 
At this point my account should have been correct. I have made all my payments from this date forward before the XXXX of the month ( late ) with the exception being XXXX, XXXX, XXXX and XXXX of XXXX. Freedom granted me forbearance for these due to my loss of employment due to the Covid-19 crisis. On XX/XX/XXXX I paid XXXX for the month of XXXX. 
I owe XXXX for the months of XXXX XXXX and XXXX but Freedom says I owe XXXX. 
My account needs to be properly and fairly audited preferably by an appropriate outside agency. 
I have supporting documentation in the form of bank statements and mortgage statements. 

Additionally Freedom has neglected to report timely payments to the credit bureaus.

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 2015-08-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Account-Related Errors : Several credit cards that do not belong to me are listed asDerogatory Mark Errors on my credit report. 
Wrong name listed/Personal Information Errors are noted : All XXXX BANK and CITI Credit Cards are listed under the wrong name. They belong to my ex-husband, XXXX XXXX XXXX, as part of divorce settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: PA
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:
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 NO ADDRESS ON FILE Dear Sir or Madam, I saw that the companies above pulled my credit report on XXXX, EQUIFAX, XXXX. 

I do not understand why they believe they had the right to do this. I did not give a permissible purpose to anyone pull my private credit report. 

Please tell the credit reporting agencies to delete the inquiry or tell me in writing how you had the permission under the Fair Credit Reporting Act to pull my credit report. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2021-06-09
Company: Experian Information Solutions 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:
On XX/XX/2021 I disputed an account with the credit bureau The account information came back as verified and I have requested proof of verification and not received it. 

The account does not belong to me and if they have information where someone has been allowed an account in my name I need to be provided with the documentation so that I may pursue further action.

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 2020-07-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a request to place a security freeze on my account on 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 2020-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Creditor is reporting inaccurate and fraudulent information on my XXXX credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau Experian of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX promptly.

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 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America originally listed a Power of Attorney which was recently changed. This most current POA was hand-delivered to the Reading, MA branch while meeting with a customer representative who stated that until the new POA is approved, this account will remain frozen for deposits and withdrawal which will take a couple of days, but we will let you know when it has been released for banking. Well, two days later after submitting this updated POA change, within two days, this account had a withdrawal of {$9700.00} by the previous POA and BOA allowed this to be withdrawn. We have tried to contact BOA to get this resolved, but they never called back after several attempts and the account still remains deficient of the illegal withdrawal of {$9700.00}.

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