BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, TransUnion and Experian CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On my credit report from XXXX, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. XXXX  told me to send a letter for they could not find said acct over the phone. 

XXXX also report an account from XXXX XXXX XXXX  XXXX acct XXXX. I want that account to be erase  from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX   from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. XXXX  did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have an account listed on my TransUnion credit report under the tradeline XXXX. TransUnion has the account listed as a charge off with a balance of XXXX. This account was included in a XXXX XXXX bankruptcy that was discharged in XX/XX/2020. I have disputed this account several times with TransUnion, and they refuse to change the status to : " included in or discharged through bankruptcy '' with a XXXX balance. XXXX has the tradeline reporting correctly, and when I disputed the account with XXXX, they removed the tradeline completely. I need TransUnion to update this tradeline to reflect the proper information reporting on the other two 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 non-monetary relief
Consumer complaint received 2021-08-20
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:
FCRA VIOLATIONS : NOT MINE : SEE ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since the loan was initiated in 2015, we have not received one paper or electronic statement from the bank. Autopay was not used, we have no way to track, no tax information from the last three years. A payment was accidentally unpaid due to the lack of information and the bank said we were one month behind for the last three monts, and the report has been done accordingly during the last three months on the credit. No warning call, no clear information on the website and no statements available since loan initiation. The banks answer : we should have paid using the talon of payments and it was our responsibiity to keep track of it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has sent my account to collection company while The full Patient share has been paid. XXXX XXXX  is forcing me and pushing me under pressure by collection company to pay the insurance share due to the fact their claim process was not done right and insurance just paid for an alternate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
First and foremost I would like for you to know that I am not a credit repair company. My name is XXXX XXXX and with this complaint I will upload a copy of my License, social security card and a bank statement. I am filing this complaint because I am a victim of Identity theft. Transunion, XXXX, and XXXX all furnished my consumer report without my consent. I sent several disputes to these companies requesting a written agreement/ contract, or any written instruction with my signature allowing them to furnish my consumer report. Each time they failed to disclose these documents which is a violation of the FCRA 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports.Their failure to disclose these documents forced me to file a FTC complaint, and my next step will be to file a lawsuit against each of the companies if the accounts below are not deleted from my consumer report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-15
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer on credit report. I don't work for XXXX XXXX. I work for 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 2019-01-27
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I purchased over {$2000.00} in furniture from XXXX XXXX using the store credit card issued by XXXX XXXX on the promise that I would receive {$200.00} in rewards I could use at XXXX XXXX. We ordered the furniture in XX/XX/XXXX, our card was charged on XX/XX/XXXX. As you can see from the attached statements, we had a {$25.00} reward certificate with the XX/XX/XXXX statement and an additional {$170.00} certificate with the XX/XX/XXXX statement. However, when I tried to redeem them I was told that the account had been closed and the {$170.00} certificate was no longer valid. I was not notified that the account was being closed or that the certificate was no longer valid. I contacted XXXX XXXX and they referred me to XXXX XXXX as the card issuer. When I contacted XXXX, they told me the account was closed and as a result, the most recent certificate was no longer valid. I did not close the account, it was still active and carrying a balance, and in good standing. The account will be paid to zero on the next due date, XX/XX/2019, and I don't understand why if I can make payments on the account I can't use an unexpired reward certificate. This is unacceptable. I expect either a store credit or for the certificates XXXX has already awarded to be honored. XXXX has been completely uncooperative in resolving this or even explaining why an active account was closed without notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have been disputing fraudulent inquiring on my TransUnion credit report for the last 3 months. I have sent letters to them stating and showing the inquiring are fraudulent and need to be deleted immediately with no results.

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 2018-05-02
Company: Credit Protection Association, L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Protection Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-04-12
Company: EQUIFAX, INC.
State: AZ
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. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX Unsecured Loan, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX   XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Equifax, XXXX and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}.

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 non-monetary relief
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 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 2021-01-24
Company: Nelnet, Inc.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I received an email from Nelnet stating that my unsubsidized student loans were receiving a subsidy that they were not eligible for and that they had " corrected '' the error. The new amount was shown along with the {$12000.00} of accrued interest they had added. As I was unable to look into this further, I did not realize what was happening with my student loan balances until I began to really focus on my credit and clear up any and all inaccuracies on my credit reports later in XXXX. After getting my credit report completely cleared up and removing most inaccurate information, the only ( and largest ) inaccuracy left was the balance ( s ) showing for my student loans. Somehow, when the loan servicer changed from XXXX XXXX XXXX to XXXX  XXXX, to now Nelnet, the balance of about {$40000.00} ( a total of {$29000.00} in unsubsidized AND subsidized student loans taken in XXXX ) had been inflated with false information and now appeared as two separate loans of over {$55000.00} and {$24000.00}, respectively. I contacted Nelnet via email and phone on XX/XX/XXXX and have continuously been in contact via email and telephone several times monthly since then. Most recently ( on XX/XX/XXXX ) I was told that my prior servicer would have to be contacted to fix the amounts that were now showing, but my prior servicer said that they have nothing to do with how my current balances are being shown and reported to the credit bureaus and it is Nelnet that would have to address these errors. 
In order to more fully prove the issue at hand, I requested a copy of my master promissory note from XXXX when my loans were consolidated. It clearly showed a total of less than {$29000.00}. Even after this, I have been unable to get Nelnet to correct the incorrect loan balances as well as the capitalized and accrued interest they have applied to the vastly inflated principal balance. I have been told to contact the Department of Education ( even though they show my loan information accurately ) and to contact FAFSA, which has nothing to do with an inaccurate student loan balance. I am at the point where I am going to have to hire a lawyer, which is going to take any and all savings that I have set aside, just to get my student loan balances reported correctly and to remove the additional tens of thousands of dollars Nelnet has erroneously added on to my principal balance. I am simply asking for this to be corrected to show my actual loan balance, not the more than {$100000.00} that now appears on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was incarcerated for 8months when the account was opened. Idk who opened it but I know I did not open it or authorize it to be opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from XXXX XXXX from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for Capital One. I called the number back and spoke with someone who stated they were attempting to collect debt for Capital One. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called Capital One and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
I have four Capital One credit cards, excellent credit ( XXXX ) and pay my bills on time. So after I received a charge of only {$14.00}, I called Capital One letting them know I did not make this charge. ( The charge was for XXXX XXXX, which I never made ) They said they would resolve it, which was six months ago. Five months ago, the {$14.00} charge appeared once again on my paper bill. 
I also spent another 1.5 hours on the phone to resolve as as I told them again this {$14.00} was not mine. They apologized and said they would handle it. Low and behold my next bill had the {$14.00} and late fee bringing the total to {$28.00}. I called once again, wasting time, spent another 2 hours talking to three different Capital one people, and finally spoke to a manager - who hung up on me. And each time when I received the erroneous bill I sent Capital One a letter of explanation, which did no good. The last letter I sent to Capital One was via Certified Mail on XX/XX/, which I paid {$4.00} out-of-pocket to do and resolve the matter. 
Yesterday, XXXX XXXX XXXX, I got yet another bill from Capital One for {$57.00}, yet again increasing my late fees and ignoring the Certified Letter I sent ... 
All this headache and hassle for a {$14.00} charge I never made six months back. 
In my opinion, Capital One is dishonest or at the very least incompetent and could not care less about its customers. 
It's obviously not only about the original {$14.00} I don't owe, but the fact they ignore a good customer and adding insult to injury, charge me late fees - basically stealing. Bad business as I won't use my Capital One credit cards again.

Company response to consumer: Closed with monetary relief