BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
was tricked into sending a wire transfer for loan closing by intercepting the email conversation with the title company XXXX in the amount of XXXX contacted the bank about it and they have filed a case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a fraud charge ( {$98.00} ) that US bank sent me a new credit card for, but never refunded me the money. Theyve told me multiple times they would refund me and they havent. Its been almost 2 months now.

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 2020-06-04
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The companies involved are GLA collections which was called upon my XXXX ( XXXX  counseling company no longer open in the area ). They collected cash prior to each class. If the amount was not paid, the services were not provided. I was up to date on my payments. The counselor then left the company putting a stoppage to classes all together. It is not possible that a debt of XXXX is present based on the process and services provided. I have disputed this through XXXX  with no success and will continue to until this is resolved. It has caused me the inability to take out a loan for a house as well as other things.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Reliant Capital Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XX/XX/XXXX, I do believe, I am a victim of Identify Theft, and I would like to press charges against this person, and have her or him arrested!! who used my personal information, my Social Security number, my name, my birthday and addresses, to obtain personal gain, of {$1000.00} at XXXX College, California from XX/XX/XXXX to XX/XX/XXXX, per collection agency, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, Ohio XXXX, Phone # XXXX, They said I lived at this address in XXXX XXXX, California. I nevered in XXXX XXXX ever! I live presently, in XXXX XXXX the last 5 years, previous, I lived at this other address of 25 years here in XXXX XXXX. I have not attended college, since 30 to 35 years ago, I paid off my student loan numerous years ago, of {$500.00}. I am almost XXXX  years ago, and ready to retire soon of my Present position of 28 years, for the XXXX XXXX, here in XXXX XXXX, California. I Called ( 3 ) Times to the collection agency XXXX XXXX XXXX to request letter stating to compare the signature on loan document or check, when I receive this, to contact them, so I can hurry and catch this person using my personal information. The collection agency stated he can not send this letter out until 6-8 weeks. Stated this was protocol per their company. This was wrong! He could of made a copy and sent this to me! I asked him either to email me or fax to me or even send certified! He said no! I heard from someone that worked for another collection agency, and also a police officer here that worked in XXXX XXXX, A Police officer, XXXX stated that's " XXXX '' he is wrong! He can make a copy and sent it to you right away!, he also told me to ask for a ( his ) supervisor for that Collection agency. So Now I get a letter from the Department of The Treasury, stating that instead of supposing to getting my federal of {$3600.00}, no, that we applied your payment of {$910.00} to the following agency U.S. Department of Education. I tried calling the Department of Education one week prior to this, to flag this, and Entered my Social security number at prompt, the recording stated to contact XXXX XXXX   XXXX for this, I had good credit before this person robbed me of my personal information. I cant even sell my house now, or purchase a car for my son because of this. I think this collection agency is not honest or fair to their clients. I would like to report them. Now I am having bad headaches, I am becoming ill, my XXXX XXXX is rising because of this and I am going through mental anguish, and I am getting stressed out behind their inadequacies. I would like to report this Collection agency. Please contact me A.S.A.P. and let me know where I can get the right help! 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
i sent in a letter regarding unauthorized use on my credit report and how equifax is reporting a collection without protocol breaking violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 someone XXXX  XXXX  their self {$550.00} from my account, I tried to get it back through XXXX XXXX  but that didnt work. So I tried through my bank Chime Ive done a police report and everything and they keep denying. I even had a appeal of the decision more than 5 times and its the same conclusion. And when I ask them to send me documents about why and how they denied me all they send me is my police report. And I feel like that is not enough justification as to why they keep Denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: OR
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:
All debit is to be discharged banking act 1933 and improper reporting and sharing of my credit report I am the beneficiary of my trust all debit should be paid off there should be no negative on my account and sharing my info with out my permission is a fraudulent

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 2023-08-17
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:
Hello, I am dismayed to have seen in my credit bureau a car loan that does not belong to me. The car loan originated in XX/XX/XXXX, when I was not yet a legal resident of the US. I arrived in the US on XX/XX/XXXX. Now I am desperate for start making a credit history in this country, and I can't because I have that debt in my credit bureau. Please, I need to know what I can do to resolve this unpleasant situation in which I am accidentally involved. 
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 2022-08-28
Company: EQUIFAX, INC.
State: IL
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:
ive tried a few times to correct this problem the fair credit act states that they need to provide me proof to these inquirys and have not got a thing i want to see proof of my signature and every thing else in regards to these inquirys if they cant provide my signature they need to get those inquirys off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
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:
I checked my credit report and found that some of the data were incorrect. The 3credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;

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 2023-03-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX not sure if what I experienced was corporate fraud, identity theft, or a weird accident. But remembering the XXXX XXXX scandal from a few years ago, it seems possible that XXXX ( or their financial institution, Comenity Capital Bank ) may be engaging in a similar fraudulent creation of customer accounts. 

About a week ago ( XX/XX/XXXX ), my bank alerted me to a hard credit check on my social security number from Comenity/XXXX  XXXX I havent requested any new accounts in a long time, much less from a cosmetics store, and I immediately set a credit freeze with all three credit bureaus on XX/XX/XXXX. A few days later on XX/XX/XXXX, I received a totally unasked-for XXXX visa credit card in the mail. I called and had it canceled/retracted ( on the XXXX, I think ), and XXXX customer support didnt seem to have an explanation for it. In theory, its handled now ; but XXXX a little mistrusting of corporations and thought you should be aware, just in case this is part of a broader pattern of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: SC
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-10
Company: ID Analytics, 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:
My name is XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATIONS OF MY NAME!! I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found this collection account from Ad Astra Recovery Systems, Account Number, XXXX on my credit report and saw it was for a company called speedy cash. It has a date of XX/XX/2018. The amount is XXXX I researched SpeedyCash.com-168VA and they are not in my local area and are a payday loan company. 

In XX/XX/2018 I was unemployed and have no knowledge of this loan. I have disputed this twice and they come back from the dispute and confirm it as accurate. I explained in my dispute that I had a joint checking account that had individual accounts attached to it and someone in my home with access to all my information. 

I have no prior knowledge of this and would not have been eligible for a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
am a victim of idenity theft, my information was exposed due to a data breach from XXXX, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please remove the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX GA, 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 2023-05-22
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2020-01-10
Company: EQUIFAX, INC.
State: SC
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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 fraud alerts or security freezes

Complaint:
My transition credit has credit freeze but transition still lets fraud on my account. 
1. " XXXX XXXX '' some how took my information even with credit freeze.

Either company or fraudulent use put HARD INQUIREY on my file.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX 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 explanation