BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2018-02-18
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with XXXX  and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX   XXXX Account Number, XXXX XXXXXXXX XXXX Account number and XXXX XXXXXXXX XXXX Account Number. I send numerous letter to XXXX   registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the equifax breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Climb Credit Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
what happens is I saw online one advertisement that says they teach computers since. i called them they took all my information and made me sign for lots of paper and then they set me up for an orientation when I participated in orientation the people were from XXXX and their accent was very ruff I couldn't understand them then I just call them to cancel the class I'm not interested anymore. the school 's name is XXXX  now they have all my information they take from XXXX money behalf of my name i never apply for any lone I sign for class only but now climb.com asking me to pay for something i didn't get the service from they are trying to mess up my credit please i need help i getting scammed from XXXX when i tray to call them they don't answer my phone to my text

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a continuing complaint from one that you closed that was not to my satisfaction because I did not get my scammed money back from Bank of America. As a Bank if America customer I authorized the transfer of my money through XXXX to a person who I thought was legitimate at the time but who was a scammer. 

The details to this case are on my previous complaint. 

I want this case reopened and I want Bank of America to be accountable and pay me back money I list authorizing its transfer through XXXX to who I thought was a legitimate person at the time but who I later found out was a scammer. Yes I authorized the money transfer -/ only later did I find out the perdn was a scammerbut bank of America is claiming there is nothing they can do to recover my money nor do they want to pay me as they said I authorized it. Yes o did, but if I knew they were scammers, would I have transferred it? Bank of America is getting away with XXXX and the federal government and CFPB is not doing enough to help defrauded customers like me. Clearly if XXXX didnt make it that easy I clearly would still have my money right now. The bank is asking me to contact the scammer. Really? If it were that easy to recover my money from the scammers I wouldnt be wasting my time writing these complaints. I will not let up until I get my money back.

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 2022-09-03
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: Old information reappears or never goes away

Complaint:
EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX Account refuses to be removed by Equifax or XXXX XXXX. 7 years have transpired. Still being reported as of XXXX XXXX XXXX IS FULLY AWARE OF THIS, THEIR SNARKY RESPONSE IS VIEWED AS INTENTIONAL DAMAGE TO MY CREDIT REPORT FOR AN OLD EXPIRED ACCOUNT OVER 7 YEARS OF AGE. I WANT THIS ITEM REMOVED. 

XX/XX/XXXX, L XX/XX/XXXX, L XX/XX/XXXX, L XX/XX/XXXX XXXX XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *DATE OF MAJOR DELINQUENCY 1ST REPORTED *ACTIVITY DESIGNATOR *ACCOUNT HISTORY. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX $ 0 Monthly 31 Closed Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX. 
1st Rptd Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$930.00} {$930.00} XX/XX/XXXX XX/XX/XXXX {$930.00} Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Charge Account Individual Accoun

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My name is XXXX XXXX my contact number is XXXX. Ultimately in the last 6 months every time I make pymnts and get a few hundred available to spend or less the Walmart Company decreases my credit limit and I have nothing that I can use. I always make my pymnts I'm a good customer I have made a previous complaint and the customer service said there was no reason for this to be happening she said she would report it and have someone call me or contact me and nothing. I was embarresed at Walmart when I went to pay with my card and it was declined because now whenever there is a little bit they drop the limit. I am a good payer and I'm sick of this treatment for no good reason and I don't understand why. You would think if you have a customer that always pays you would treat them right. I want a response please to this complaint and to stop this because frankly I have had enough.

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 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
When purchasing from XXXX XXXX  I was unaware the winery was closed. I received an email 1 week before my tour about my cancellation due to the winery being closed. I also was asked if I wanted a voucher. I declined and asked for a refund. I got no response till this day. Due to covid-19 I am tight finically. I feel its unfair to pay for a service I never received. The company failed to let me know they were closed but still selling tickets. I would have never purchased.I was told by the bank they offer no refunds in there policy however Due to the i preempted situation I believe they should have an exemption.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: NC
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 recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}

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 2018-11-27
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 was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . 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 non-monetary relief
Consumer complaint received 2023-07-17
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:
Good Afternoon, First and foremost I would like to thank you guys for removing this XXXX XXXXXXXX account off of my report due to Identity Theft.. However I have just received Another letter from XXXX and Transuion and I am a bit confused. The first letter you guys sent was just a generic letter and you Guys totally disregarded my letter stating this identity theft matter. Over 2 months I go I sent off a letter asking XXXX XXXX XXXX XXXX for special details about this account and for them to validate this.. Still till this day, They have not been able to validate this debt nor is the information accurate.. Almost 2 months ago I put together the ONLY information needed for a block and delete According to 15 U.S. Code 1681c2.. I sent in all the documents that was needed.. And they have still not been able to comply with FCRA guidelines.. I have also requested a copy of a signed contract with my wet signature giving them authorization to report this I have also requested a copy of the form signed by myself giving me an option to opt out of this reporting factor.. I am also STILL requesting form SSA 827 that XXXX XXXX on the day of XX/XX/XXXX told me that I had signed I would also like a recording of that call as well because it will prove that the dates on this account is totally inaccurate and balances and this is illegal according to FCRA guidelines.. FCRA also states that a company haves 30 days to validate this debt. They have failed to validate this debt.. Failed to comply by FCRA Guidelines.. Failed to provide all information requested.. I provided every single documents needed from section A ) of 15 U.S. Code 1681c2 .. Also XXXX XXXX XXXX XXXX Stated that I need a Police Report.. That is not needed according to 15 U.S. Code 1681c2. These people are making up their own rules.. 15 U.S. Code 1681c2 rules will always trump the company Rules.. I am asking that this be blocked and deleted.. They have failed to comply with the consumer law and surpassed the time allowed to validate and still have not been successful with validating this debt. 15 U.S. Code 1681c2 States 4 Days with all information provided from section A and I have provided everything needed. Please block and delete this totally goes against the consumer law and is illegal

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 2022-09-03
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:
Equifax has been made aware on multiple occasions that XXXX is in A 34 multi state litigation. Attorney Generals have stated that XXXX has been found negligent and is required to delete derogatory information, waive any loan balance on accounts dating XXXX to XXXX. If loan was charged off within 1 year. 
Multi state settlement acknowledges that XXXX practices were deemed predatory and included deceptive dealer involvement. XXXX is in direct violation of 15 USC1681e and I have made Equifax aware of this. It is public record as well, I am suffering emotional distress, humiliation and suffering Monetary loss from this XXXX account and Equifax continuing to report knowing the litigation that XXXX is in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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 a 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 any item 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 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  ; 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 2022-09-03
Company: EQUIFAX, INC.
State: MO
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 ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX, Equifax reported that a security breach compromised the personal information of millions of creditors.
On XX/XX/XXXX, I used the EquifaxSecurity2017.com website to determine that my information was breached - according to the site, " based on the information provided, we believe your personal information may have been impacted by this incident ... '' I also signed up for a 90-day fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, 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 a 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 any item 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 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 ; 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 response to consumer: Closed with explanation