BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 asked for a copy of my credit report for tax purposes. The company immediately dropped my credit score by XXXX points. I called and was told that nobody except me made an inquiry. I was then told that they had no evidence of my inquiry. I then went to the website and was charged {$27.00} for services I had not requested. These actions are negatively effecting my financial transactions. I know that requesting a copy of a credit report is not supposed to reflect a credit score. It did. No one person I spoke with could respond to my question. What recourse do I have?

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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a statement in the mail from Bank of America XXXX XXXX XXXX XXXX, DE XXXX with customer service number listed as XXXX. It stated that an account was opened in my name and address. I did no such thing.

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 2023-09-11
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was called by a collection agency! 
Identity theft occurred... someone took out a personal loan using my information. 
Lender is NCA/Cashcentral.com for {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH 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 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: USCB Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this alleged debt numerous times and it keep getting sold and settled to multiple collectors even when debt was ceased and i was sent a 1099 from collector.I disputed this debt back in XXXX, and now XXXX.The company agreed to cease collections but yet company has broken federal law thinking I don't know my rights which gives me the privilege to sue collector for breaking the law.

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 2018-01-31
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 is missing that should be on the report

Complaint:
XXXX and transunion have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit

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 2023-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX i have disputed negative accounts that are reporting on my credit report to XXXX, Equifax and XXXX. The credit bureau claimed that they have completed a reasonable investigation with the furnisher of the accounts and verified that the accounts listed below are 100 % accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 



Report number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Filed a complaint regarding the deceptive tactics and misleading sales by a business using their platform to push sales ( XXXX ). Once the Bait and Switch ( Fee switched from a one time payment of {$490.00} to a monthly payment of {$490.00} without written permission ) was detected along with the detailed harassment the ensued, I requested an immediate refund per the Paypal process. They extended the deadline and denied the claim. My bank is also investigating this issue. The following is the detailed complaint along withe a copy of the submission. 

-High Pressure Sales Marketing Tactics and misleading price claims that failed to disclose the up-sell necessary for success in their membership. The neglect to provide the sufficient information to properly make an investment decision was accompanied by false oral and written claims that violate their terms of service. 
-Bait-n-Switch techniques and failure to perform promised services -for membership as stated was a one-time fee of {$490.00} to obtain membership -in order to access the XXXX database of members. And obtain Speaking engagements ( which I stated as a major reason for joining ). However, once I signed up, further emails expressed there were more obligations to obtain the lists and speak : ( 1 ) Completion a separate XXXX training or other up-sell as high at $ XXXX ( 2 ) Attend {$20.00} per week membership meetings for a drip list of attendees ( 3 ) Pay additional speakers fee of up to {$150.00}. 
-Marketing to my Mailing listing with harassing phone calls, text messages, and spamming emails when their offer was declined. Contacted by my contacts once these pressure tactics occurred. 

Terms of Service not as describe : XXXX : XXXX Paypal ignored all of these tactics which are a violation of truth in advertising rules in Section 5 of the Federal Trade Commission Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2019-05-07
Company: OPORTUN FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX, I noticed that {$100.00} was withdrawn from my bank account. A payment in the amount of {$100.00} was already withdrawn on XX/XX/XXXX. The only time a payment is made is when I request another top up loan which I haven't since the XX/XX/XXXX payment. There isn't a phone number for Oportun XXXX, just an email address, so I emailed them. I received a response from XXXX. He advised that I received a {$100.00} top up on XX/XX/XXXXand XX/XX/XXXXbefore the company was able to recoup the first payment, so now they are going into my account to recoup a XXXX payment. I provided a copy of my bank statement showing that Oportun withdrew {$100.00} from my account for the month of XXXX proving that I paid them. I also informed XXXX that there may be a computer glitch on their end because I received a text from Oportun showing incorrect balances and amounts and asking me to top up when I didn't need to. XXXX then reiterated that the withdrawal from XX/XX/XXXXwas correct because of XXXX and emailed me all debits/withdrawals from Oportun. I reviewed the documentation it only showed two amounts for XXXX. Once again I emailed him the bank statement showing 4 payments in XXXX. He advised he would escalate and someone would be in contact with me. It has been 4 days ( 2 business days ) and still no response. I emailed XXXX back, but still haven't heard from him either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has failed to conduct an investigation into the information being furnished on my consumer report. All of the accounts furnished on my consumer report shall be excluded from my consumer report because they contain information solely as to transactions between me, the consumer and the person making the report. That information must be removed from my consumer report as it should have been excluded from the beginning if Equifax complied with the FCRA. 

Equifax also is reporting inaccurate information on my consumer report and I am a victim of identity theft as my privacy was breached from the Equifax data breach. 


I disputed the accounts and Equifax failed to give notice of the dispute, and claimed that the information was verified without verifiable proof, and without showing their method of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2021 I inquired about the cost of a new roof for a home I was wanting to buy in XXXX XXXX, FL. The roof had to be replaced before insurance would accept it. I contacted XXXX XXXX XXXX and the sent a " drone '' over the home and gave me an estimate, { in person } for XXXX. I told the gentleman that I did NOT own the home and was looking for prices at that time. He in turn told me in order to honor that estimate, I needed to sign it, which I did. This company turned around and sent a application { that neither myself nor my wife signed } to Wells Fargo and they approved a " Home Projects Card '' in both or our names for the paperwork the roofing company sent them. This home was the only one that we could afford at that time. People were paying XXXX - XXXX over list price which we could not afford. XXXX XXXX XXXX showed up to install the roof and over charged for materials they never used. The credit card had NOT been activated and was rejected by myself which the roofing company was not paid. I argued with Wells Fargo about the unauthorized application and they just ignored me and my attorney. The card was not activated until quite some time afterwards only due to the roofing company putting a lien on my home. They had to be paid before the lien was lifted. I have doc 's and paperwork. 
I asked Wells Fargo to rewrite the loan and remove the card because it destroyed my credit rating due to 98 % usage. This card and / account was not authorized by 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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 XXXX is reporting delinquencies to all credit bureaus, But I have never opened an account with XXXX XXXX. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of XXXX XXXX in XXXX of XXXX  when I left my XXXX with all of my information and identification in XXXX XXXX while I was being transferred to XXXX for my XXXX XXXX station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account XXXX. Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX because it's causing my l ; life more problems, thank you.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Bread Financial Holdings, Inc.
State: NY
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, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against BestBuy/CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef

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 2023-11-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 se

ction 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief