BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is going back several years when I opened this account. I never knew the effect this has had on my credit until my new employer brought this up to me. I opened up a new checking account several years ago and they issues me a temp debt card. I had been using the card until my new card came in the mail along with my new checks. I noticed that my last name was wrong on my checks and my card. I went into the branch to address this situation with the girl that opened my account. However she was no longer with the branch. I explained to the teller what happened however she wouldn't look into the acct because the name on my license didn't match the checks or card : ( It shows on the credit report that there is a {$610.00} balance. Not sure how this is possible with a debt card. 

I FILED A POLICE REPORT PER MY NEW EMPLOYER The account # that shows on credit is XXXX PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. 

The following accounts were not opened or authorized by me : # 1 XXXX XXXX Last reported XX/XX/2023 {$870.00} # 2 LVNV FUNDING LLC Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. 

I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. 

Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Regenerate response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I requested a credit increase on the XX/XX/2019. My account with capitol one is in excellent standing I pay my monthly bills and do not go above my credit limit. 
I felt discriminated when I received a letter from capitol one day my application was rejected and unable to give credit increase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2018, I had initially registered with the online XXXX University.. Unfortunately, they did not offer the classes that I was looking for, so I never signed up for any of the classes. I ended up signing up and taking classes at a different university. It wasnt until recently, that I noticed a collection on my credit report from XXXX and XXXX, XXXX, collecting for XXXX University, in the amount of {$2600.00}. 

When I called XXXX, and was finally able to speak to a lady there, she said that the reason for the collection was that I had signed up for a class. I told her the I NEVER signed up for any class with them, as they weren't offering the classes I needed. I did also do some research online and it looks like they are doing this to other people. 

Please help as my credit report is taking a big hit for a reported collection that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to XXXX, but not XXXX and Experian. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. XXXX lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while Experian and XXXX list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the XXXX bureaus. XXXX reports XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.

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 2020-12-21
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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve 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 2023-05-16
Company: Experian Information Solutions Inc.
State: OH
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2020-12-21
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a visa gift card for {$300.00} at the following location on XX/XX/2020 XXXX XXXX XXXX The order number is XXXX and my credit card was charged on XX/XX/2020 I called multiple times and was told that a gift card would be shipped out soon. However no card was shipped after 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$4000.00} US DEP ED XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXX XXXX, I sent a letter to XXXX XXXX  opting out of two account reporting. They have not responded or complied.

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 2020-07-17
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX XXXX {$420.00}

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX  XXXX {$420.00}

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 2023-05-16
Company: Experian Information Solutions Inc.
State: AL
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 compromised with these companies.XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and A lot of repeated inquiries

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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX orginally removed from my account and placed back onto my account through a collection

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 2020-07-17
Company: EQUIFAX, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX XXXX {$410.00} XXXX/XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
HOME DEPOT XXXX XXXX XXXX XXXX, AZ XXXX TODAY I TRIED TO CALL TO MAKE MY REGULAR MONTHLY PAYMENT BY PHONE, THERE AUTOMATED SYSTEM IS NOT ACCURATE, MY BILLING STATEMENT STATES FOR THE MONTH OF XX/XX/2019 THAT I AM NOT PAST DUE, AND THE PHONE AUTOMATED SYSTEM WOULD NOT ACCEPT THE MINIMUM PAYMENT OF {$69.00} I HAD TO SUBMIT A LARGER AMOUNT TO BE ACCEPTED FOR PAYMENT {$75.00}. I ALSO, TRIED TO EXPLAIN BY PHONE TO THEIR CUSTOMER SERVICE, I GET NOTHING HELPFUL JUST LIES AND EXCUSES, I DO NOT HAVE TO BE A PRIMARY CARD HOLDER TO ACCESS THE ACCOUNT, I AM A CARD HOLDER, THE SPOUSE WHO PAYS THE BILL, AND HE TOLD ME HE HAD TO SPEAK WITH THE PRIMARY CARD HOLDER, TO CHANGE MY SECURITY QUESTIONS AND OR ANSWERS TO PAY THE BILL ONLINE MYSELF, I ASK TO BE TRANSFER TO THE TECHNICAL DEPARTMENT AND I WAS TOLD I HAD TO GIVE THE LAST FOUR NOS. OF THE PRIMARY CARD HOLDER TO GET THE CALL TRANSFER, AND THEN IF I AM ON THE SPEAKER PHONE, THEY GET OFFENDED, MY A LOUD TONE OF VOICE, THEY ARE JUST 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 2020-07-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I applied for an auto loan through XXXX XXXX yesterday XX/XX/20 but I was not approved because when they ran my credit, they saw several accounts in negative standing. I had no idea I had negative accounts on my credit history and when I looked through my credit report myself I realized that none of those accounts are mine. The accounts in negative standing that are on my credit history do not belong to me nor did I ever give anyone permission to open those accounts on my behalf. I did not benefit anything from the accounts listed on this report such as money, goods, services or any other benefit nor did I contribute to any payments towards these accounts. I do not have any type of written/verbal contract or affiliation with any of these companies and I never gave them permission to run or access my credit file. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been asking castle credit via email on how I can start the process of being removed from the contract. They will not respond to emails or my phone calls. This was a joint account in which I should not be held responsible for. The other party has agreed to remove me. I want to know what are the steps for removal. I feel like castle credit will not disclose or go through from removing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I put my account on autopay mid XX/XX/2020. The AutoPay was setup to be taken on the XXXX of every month. On the XXXX, I spoke to a representative at Mr. Copper who assured me the payment would be taken on the XXXX ( yes, three days after it should've been taken ). She said it was processing and that it will be reflected in my account. Today, I logged in because money still hadn't been withdrawn from my account and I had a {$50.00} late charge assessed to my payment. Upon speaking with another representative today, they could not give me any real guidance as always. She stated they will put in the request to have the {$50.00} removed, however it wasn't guaranteed. This company has been nothing but a complete disgrace. I have print screens showing the fee assessment along with print screens showing AutoPay turned on and the day upon which money should be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft. 
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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: PR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has made it impossible for me to dispute errors on my credit report even though I am a victim of their data breach. I have tried more than a dozen times doing it online and a couple over the phone. No negative remarks should be on my report.

Company response to consumer: Closed with explanation