BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$390.00} XXXX  XXXX  XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For nearing a year of attempting to access and dispute my credit file, I have been denied. Denied access to view, get a copy of, access, dispute and maintain my credit file. In the process of amicable resolution, on my part, I have endured, discrimination, ignorance, immaturity and attacking threatening behavior.
Moreover, I have disputed account information as inaccurate and Transunion has come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please explain how validity or verification can be conducted?
The FCRA requires CRA 's to verify the validity of the item within 30 days. If the validity can not be verified, CRA 's are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Transunion to remove this item before I am forced to take legal action.
I am disgusted by the level of professionalism I have been shown.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
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 # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please see attached ID theft report detailing impact to my consumer report as a result 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 2020-12-01
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: 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 {$0.00}, {$660.00}, {$0.00}, {$1600.00}, {$2300.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$730.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$300.00}

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 2020-05-20
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:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$300.00}

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 2020-09-04
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:
i have tried to fix this issues, it still has not been fixed by Equifax there is still XXXX inquiries on my credit report, this issues has not been. resolved i check my credit every day, i have a XXXX XXXX XXXX XXXX XXXX on my report the date of that inquiry is XXXX/XXXX/2020 i dont recognize, please remove all XXXX inquiries they still show on my report, this problem needs to resolved i found these inquiries today d still showing, so pleasse update my report after taking these inquiries off my report, DO NOT PUT NO FRAUD ALERT ON MY REPORT WITH OUT MY EXPRESS permission, I WILL continue FILE COMPLAINTS UNTIL THIS ISSUE IS RESOLVED AND FIXED BY EQUIFAX, i will attach the screen shots to show there still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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 have been 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 explanation
Consumer complaint received 2017-09-21
Company: Bread Financial Holdings, Inc.
State: NV
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:
They close my account. So i thought my account was close. But i still had balance. Which i have not received bill information on my account. So they put me later on my credit report. My account is current. Try call have them take it of my credit report. But they gave me the run around. Comenity Bank/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America had been notified by me beginning in XXXX of 2017 of needing complete and accurate validation of 3 personal one 1 business account that appears on my XXXX XXXX and XXXX XXXX XXXX consumer profile. Bank of America has exceeded the 30 day timeframe to validate these accounts. They are adversely affecting me yet Bank of America refused to honor the law and my consumer rights. They only provided slight account info yet 80 % of the rational, basic info I requested such as signature cards that bare my complete name, account # EIN, photocopies of checks which alegedly cased some of these accounts to close and place me in XXXX XXXX XXXX XXXX and XXXX. # etc were not provided. Bank of America only stated to me that what they provided was " the best that they could do '' and that they sre sorry, however, they are " unable to provide signature cards '' for the accounts in question. ( See attached letter from Bank of America ) The local branch also does NOT have these documents to properly validate these accounts. They are giving me the run around. I am simply a law abiding citizen that is being violated. I am XXXX I can not keep running back and foward to branches and calling 5 days a week to get these accounts off any adverse profiles it 's associated with, including their internal systems. Bank of America has provided me with 4 letters from each account stating the above mentioned about no complete, pertinent, proof of accounts under my name and ssn.. Futhermore, these accounts do n't even bare my complete legal name and I have no knowledge of the addresses associated with these accounts as I have repeatedly informed managment. XXXX XXXX XXXX XXXX refused to validate these accounts also.

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 2018-03-03
Company: TCF NATIONAL BANK
State: NJ
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:
This complaint is not duplicate!! This complaint is not duplicate!! 

I have XXXX XXXX leading & finance for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BBVA 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:
My name is XXXX XXXX My BBVA USA/Compass Bank credit card # XXXX Acct statement for XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX New balance {$7.00}, due date XX/XX/XXXX Payment was made by XXXX XXXX online bill pay {$7.00} on XX/XX/XXXX Bank posted my payment {$7.00} on XX/XX/XXXX *** See bank statement and front and back of the payment check attached. 

Bank started claiming my payment was late and put the late fee and/or interest charge on my account. 

I made several recorded calls to the bank asking to stop the wrong doings! Nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-04-01
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I needed to have access to some additional credit due to COVID-19, I applied for and was approved for a credit card with Discover. They called me afterward and told me they needed to " verify my identity '' so I complied with their request. Then, they mailed me the card. I was told I would be able to activate the card once it arrived. It arrived and they won't activate it. They are coming up with a bunch of nonsense and I am XXXX  in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Home Depot credit card in XXXX of XXXX and was told it was 2 years interest free ( waived interest ) with a 25.99 % interest applied to any charges made after the two years expires. The representative at the store insisted that I would not be responsible for any interest accrued during the promotional period charges. 

I was lied to by the sales representative in the store and the credit card representative over the phone- as this card has a deferred interest associated with it that I was not aware of. 

I set up auto payments and electronic statements upon receiving my card and making my first charge. I set up my payments to be above the monthly minimum and they were consistently paid on time. 

This promotion expired in XX/XX/XXXX where I had approximately {$3400.00} left on my credit card balance. My auto payments continued however I was charged approximately {$6800.00} in deferred interest in XXXX. 

I never received any email notification ( given I have electronic notifications ) that the promotion was expiring and there would be a deferred interest charge added to my total charges. This was a complete surprise to me. I logged in today, XX/XX/XXXX to pay the remainder of the balance in full to find it was {$8800.00} dollars. 

I called Citi to try and resolve it and informed them I was lied to and this is not how the credit card was sold to me and I was told there is nothing that can be done on their end. 

The pandemic has really affected me and my family and money is extremely tight. I can't afford to pay all this interest, especially when it's not what I signed up for. I feel cheated and taken advantage of and any help in the matter would be greatly appreciated.

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 2021-04-26
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX acting in my own behalf. They are reporting accounts that aren't mine and these false reporting accounts are affecting my credit report and costing me thousands of dollars. This is not like a regular dispute. I have filled a complaint with the Federal Commission and XXXX  bc to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I am being ignored and i really can not wait another 60 days with this mistake hurting me. I have not receive any responses because everyone is ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to all of the stress you caused me. 15 United States Code Section 611 ( a ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 55 days and I gave it more time due to the covid 19 but now these items should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I reported my XXXX XXXX as stolen. The phone was placed on a seasonal hold. I bought the phone for {$310.00} refurbished from XXXX XXXX. I had been a customer over 20 years. XXXX corporate edited the bill and closed the case. Unfortunately, on several occasions, XXXX opened the line for the unauthorized user and billed me. They wanted to charge me a {$250.00} deductible to replace the phone prior to corporate overriding their billing after the lines were opened more than once. Were supposed to give a access code, but they continued to bill me for the thefts usage. I called the phone on XXXX and a young lady would answer stating that someone sold her the phone. Lastly, they tried up charges of {$190.00} and Id had enough, so I reached out to corporate escalations. I was told Id receive a call back. I waited a week, and had been paying them on autopay. No call backs were initiated, so I called XXXX XXXX XXXX and ported my line over to them because my contract had ended with XXXX years ago! In XXXX, XXXX, I became XXXX & XXXX customer. XXXX asked that I returned the main line XXXX XXXX XXXX XXXX after I ported my line over to XXXX XXXX XXXX ). I sent the tracking # and receipt to XXXX for dispute via the first collection misrepresentation on my account. There collection was removed from my account in XX/XX/XXXX only to be reapplied for the same false collection claim that was removed and resubmitted XX/XX/XXXX by IC Systems collections. Stating that my account was 30 days late for {$1100.00}. My bill was paid in full XXXX XX/XX/XXXX XXXX, my account was closed properly, and they received the XXXX XXXX XXXX back in perfect shape. However, they kept billing for the stolen phone and the last bill before I left XXXX in XXXX was XXXX, now its over {$1100.00} and my account was closed. The theft of the XXXX XXXX is still a working number on my account by their own discretion. Im no longer a customer and XXXX breached their insurance contract, my report of a stolen phone, and closing the account. Theyre back with a new collection agency and causing undue stress on me, I strongly believe its because they sold out to XXXX and theyre not aware or could care less about XXXX charades. I had them removed from all 3 credit bureaus because I turned in proof that Im not a customer after over 20 + years of numerous refunds and edits to my accounts and unauthorized use and multiple errors. I feel its unfair that they can hire multiple collections agencies for a fraudulent claim that has been deleted for the same false charges.

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 2018-07-21
Company: ENCORE CAPITAL GROUP 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:
According to record, on XX/XX/2014, a " XXXX '' bank card was opened in my name in the amount of {$400.00}. I did not consent nor authorize this account to be opened. Since then the account has gone into a collections account monitored by a company called " XXXX XXXX '' for the amount of {$1000.00}. 

I have paid a credit repair service to dispute this fraudulent account but the account has not been removed yet.

Company response to consumer: Closed with explanation