BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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/block any items 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, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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:
I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Bread Financial Holdings, Inc.
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:
On XX/XX/2020 my husband and I purchased a leather chair from the XXXX XXXX XXXX XXXX. At the time of purchase, we requested that the total amount be split between both of our credit cards. We were told in order to complete that transaction, we would need to first purchase a gift card from my account for half of the balance and the remaining balance would be charged to my husbands account. We also had reward certificates as well as a store credit. 

After several attempts to complete the transaction, the clerk finally confirmed she was able to process the transaction as we had requested. I was provided a screen shot of the transaction which included credits, rewards, the gift card and the balance on my husbands card. 

However, the receipt we were provided from the store showed the full amount on my husbands card. I did not catch this discrepancy at the time and it was only a few days later that I noticed the error on the printed invoice. 

I reached out to XXXX XXXX and spoke with XXXX. She as unable to resolve my issue and said a supervisor would return my call. I did not receive a return call. My husband reached out to have reached out to Comenity Bank and explained the situation. We provided receipts and a timeline of the situation. Comenity Bank agreed to review the situation, but has since refused to issue a refund for the error of {$930.00}. 

The chair has since been returned to XXXX XXXX. My husbands account was credited the full amount but my account has not been refunded {$930.00} for the error in charges. 

I am requesting that this situation be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I opened a XXXX account approximately 10 years ago. XXXX 's agreement with their finance company expired so they re-opened an account on XX/XX/2022 which impacted my average age of my credit cards which then impacted my credit score as the age went from 10+ years opened to 6+ months opened. I tried to resolve with XXXX but they said they couldn't update the original credit open date. I closed my accounts with them but it still negatively impacted my credit score.

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 2023-02-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Truist Bank because they sent me an offer to open a checking account and receive a bonus. I followed all the steps and opened the account initially on XX/XX/2023. I had to deposit {$50.00} to open the account, and I transferred this amount to the new Truist account. A few days later, on XX/XX/XXXX, I was locked out of my Truist account. I called customer service and they had closed the account with no warning or notice. I asked to get my {$50.00} deposit back, and the agent was unhelpful and did not process or escalate the issue. If they closed the account without telling me, they should refund the deposit I made.

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 2021-05-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.

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 2020-12-08
Company: Consumer Adjustment Company Incorporated
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report for the first time in a couple of years because I need to get a new lease and seen these unauthorized accounts. Please fix this issue and remove them from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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:
XXXX XXXX XXXX  Texas is being reported on my Experian, XXXX, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2022-11-06
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Direct Express, https : //www.usdirectexpress.com/how_it_works.html, is a XXXX for the Social Security Administration ( SSA ). Direct Express is a subsidiary of Comerica Bank, https : //www.comerica.com/about-us/company-overview.html. Direct Express delivers people 's SSA benefits to their Direct Express credit cards from which these customers can spend and receive their SSA benefit money. Direct Express represents to SSA that their credit card is a XXXX XXXX brand and that they abide by all the terms, conditions, and administrative procedures that the XXXX XXXX brand represents. In the course of customers attempting to communicate with Direct Express Customer Service about their existing accounts, some select Direct Express employees are engaged in perpetrating Identity Theft of customers ' confidential information. These select criminal Direct Express employees deploy a mode of operation where they will not allow conversation with the customers about their Direct Express accounts unless the customers provide most unnecessary confidential ID and Asset information, including all Credit Card Numbers, all Account PIN Numbers, specifics on all income sources, Account Numbers and PINs for all bank accounts and financial holdings, and all mailing addresses and phone numbers associated with all financial accounts. These procedures are way outside of XXXX XXXX brand guidelines, and in fact XXXX XXXX itself publishes that such tactics constitute attempts at Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
At the time of the recent XXXX data leak I tried to access my Experian account to freeze my credit file. There was an Experian internal system error that stopped me from accessing my account. The Experian system I then found out assumes that they have every consumer problem covered through automation, which is a very foolish and a naive assumption equivalent to the assumption that their system contains no errors. I tried every avenue of password reset, etc and was not able to resolve the issue. The system invites you to call a support phone number in case you could not resolve the issues online. That support number does not give the caller an opportunity to discuss the issue with a person. Instead you get the same automated advice as the online system. It is impossible to reach a person for help. I then started writing physical letters asking for help. The first went to an XXXX regional office. No answer. The second letter I sent to the President of the company. No answer. In the meantime I am notified by XXXX that my personal information was hacked, and I had no way to freeze my credit file. I received emails from Experian giving me the same advice which I received in the beginning and which always led to the same state of not being able to do anything to freeze my file. 
This is a case of Experian significantly raising the risks to me and my personal private information. It is totally irresponsible and personally damaging behavior on the part of a company that should be trustworthy.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Quality Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have submitted complaints XX/XX/2021 I dont think the officail understand what i was saying I did not say the police report as fraud it was proof that my wallet was indeed stolen and that people have been using my information also submitted letters from my lawyers sent to all entity 's all I have never been issued a credit by or was I never contracted with quality recovery service this has been a hard ship burden on my life i have not been able to apply for credit or a home because of this fraud I will seek full damages I demand you take this fraud off my credit report asap! as I said in my perceived complaint before i will attach my id & police report & the letter from my layers sent to these enitys with late responds with more fraud documents with no vaild proof of contract or proof of credit issued this have volated my rights if these account do not get removed I will be sues eveyone involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was made aware of a sign up bonus of XXXX for {$3000.00} so I purchased a XXXX XXXX. I never got said bonus. I tried to get help via their in chat help service and was told I spent {$3900.00} but my promotion was for {$4000.00} and XXXX points.Two Supervisors did not resolve the matter. I was then told on the phone with a love person my promotion was actually {$4000.00} and XXXX points but that I only spent {$3500.00} and I couldnt speak to a supervisor because I had already spoken to 3 ( I only spoke to two, in a chat room ) supervisors. I then notified them I would be filing complaints and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to Experian to furnish to the creditors. Experian has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XX/XX/2022 while being XXXX to help with my XXXX XXXX however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.

I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership According by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Accounts : 1.XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX  3.XXXX XXXX XXXXXXXX 4.XXXX XXXX 5.XXXX XXXXXXXX 6.XXXX XXXXXXXX 7.XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX 8.XXXX XXXX XXXX XXXX-Account:XXXX 9.XXXX XXXX XXXX XXXXAccount:XXXX 10.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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-02-10
Company: Absolute Resolutions Corp.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear ABSOLUTE RESOLUTIONS INV XXXX ; XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: TN
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 went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. XXXX ( Acct # XXXX  Equifax ), XXXX XXXX XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw  where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX XXXX   XXXX XXXX.XXXX  XXXX, XXXX XXXX XXXX.XXXX XXXX XXXX.XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX.XXXX. I have contacted the police and the people at FTC. I'm doing this on my own and need help.

Company response to consumer: Closed with explanation