BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: DISCOVER BANK
State: CA
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 been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Slovin & Associates Co., LPA
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently discover that someone has been using my ID and personal
financial information to open up accounts for lines of credit and business
transactions with companies that I do no recognize. I have several lawsuits that I
was unaware of that have dubious origins and various jurisdictions. I was able to
locate the Franklin county items that are not mines and are fraudulent actives
starting on or around 2004 to present. I have file a FTC ID The Affidavit as well
as a CFPB compliant against these companies. The follow accounts and case are
fraudulent/unknown/unverified : RANDY T. SLOVIN SLOVIN & ASSOCIATES/
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 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
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 credit reporting agencies are in complete violation of my consumer rights. 15 USC 1681B A2 states that no one can furnish information on a consumer 's credit report without their written instructions.18 USC 1028A states this is consider a form of identity theft if i didnt give permission. 15 USC 1681 Section A states i have the right to privacy. All accounts reporting on my credit report are inaccurate and not mines. They are misleading, unfair, and I want all the negative close accounts deleted immediately. I have a recent credit report identity theft report, and letters i sent to each organization. Again i command that XXXX, Experian, and XXXX cease and desist any negative reporting without my permission and consent. Any future reporting of these negative inaccurate closed account will result in legal actions taken to protect the consumer XXXX XXXX XXXX [ XXXX ] UCC 1-308 without prejudice.

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 2019-12-01
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: WI
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:
I sent in my dispute letters via mail on XX/XX/2023 and I still haven't received a response, a status of the investigation or any results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received an email from XXXX credit monitoring that my credit had dropped XXXX points so I immediately opened up my account and saw 2 judgments appearing on my credit. I have never lived in the XXXX TX or XXXX TX area ever ; I also, did not provide anyone permission to use my SSN to open accounts. Since this email, I have had a total of 4 accounts opened using my SSN and DOB and these scammers seem to be doing it at the same time. I have 2 accounts with XXXX XXXX and now with XXXX XXXX XXXX. 

XXXX XXXX accounts are XXXX and XXXX email on file is XXXX XXXX XXXX XXXX  accounts are XXXX and XXXX email on file is XXXX I have frozen all 3 credit bureaus and put a fraud alert as well. I have sent a letter and email to XXXX XXXX and I just found out about XXXX XXXX XXXX. I provided XXXX XXXX information regarding my issues and they have stated it should take up 30 days to get any resolution.

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 non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A large loan keeps showing up on my credit report. Ive never heard of the company and never applied for any loan of any type with them. It is severely affecting my credit score because the fraudulent account has 5 missed payments, and its not a company Ive ever heard of it dealt with in any way, shape or form.

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 2022-09-06
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 


This agency is in violation of 15 USC 1692g. This is an official dispute of this account. 
I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE XXXX WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Resurgent Capital Services L.P.
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:
" Resurgent Capital Services '', " LVNV Funding LLC '' and " XXXX XXXX XXXX XXXX '', all have been sending me Collection Letters, Settlement Letters and Threats of Collection, for a " XXXX XXXX Credit Card '', that I did not possess, with an outstanding balance of {$840.00} dollars ( XXXX ), all of the aforementioned Fraud Companies have also tried to get me to sttle for half of the total amount, they claim I owe, I had fought this " Fraud '' debt as far back as ... 2005? and assumed that it had all been settled through " XXXX XXXX '', till just recently, I have even checked my credit report, and do not see this negative strike? this is from 16 years ago, and I doubt that, I still have my correspondence records pertaining to the settlement? I have requested documents of proof from " Resurgent Capital Services '' and " LVNV Funding LLC '', and have yet to receive any type of documentation, this I feel is " Double Fraud '' and plan to have my bank put a block on these 2 establishments. THIS IS CRIMINAL! 

I have attached the latest " Fraudulent '' demand letter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
At the beginning  of XX/XX/XXXX, I owed American Express {$22000.00}. During the year, I paid {$6200.00}. At the end of XX/XX/XXXX, I still owe {$19000.00} due to their high interest rates and their penalty fees. They lowered my credit limit to {$18000.00} although I never charged more than my original credit limit. They have collected {$2600.00} in interest and $ XXXX in fees, making their total for the year {$3000.00}, which is 48.6 % of the money I paid each month on my account. 
Because I could not afford to pay the full minimum payment requested some months, American Express termed it a " late payment. '' This misnomer has seriously damaged my credit score, which makes it difficult and expensive for me to borrow the money to pay them off. Is there any law to protect consumers from this practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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 2022-09-06
Company: Avant Holding Company, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had fraud on my credit card XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a specialist name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchased for a service called XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX but that I setup the auto-payments, but bank of america never deducted from the debit card and charged as late payment. 

The auto-payment was never enabled or deducted automatically due to bug in the site. 

Please resolve my issue, else I will have problem with credit 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 2020-01-22
Company: EQUIFAX, INC.
State: NE
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:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One sent me a notice about Fraud on my card and it wasn't. I added an authorized user to my card and then I removed the person. The removal triggered the alert. I'm not upset about that because the person and I were previously in a relationship. What I am upset about is when I called Capital One about the issue and that the person and I are no longer in a relationship, they still want me to provide a Social Security Card and Drivers license copy of the person. I called XXXX to let them know that I've asked for the information to provide them, but the person refused as we're no longer in a relationship. I provided all the information I needed to as the primary card holder and owner and XXXX verified my information is correct, but they are still asking for me to provide the authorized users info which I can't. I've called several times and have spoken to serveral supervisers and the same impossible request is being made of me. When I asked to cash out my points on the card so I can close it, they told me I can't do anything with the card until I provide them the information. All I can do is just close the card and lose all points I've built up on the card because of their impossible request for sensitive information from someone I'm no longer involved with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Credit Karma, LLC
State: ME
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:
Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. After requesting an account closure, Credit Karma , Inc. issued a check payable to my old name that can not be legally cashed to due to the name discrepancy. I have been unable to access {$10000.00} of tax return funds. Credit Karma support informed me that they could only write the check out to the name they have on file, which they refuse to update after I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification.

In my most recent communication with Credit Karma support, Credit Karma disregarded my most credit reports from XXXX  and XXXX dated XX/XX/2021 that I provided and insisted that I contact XXXX  to resolve the issue. From multiple calls with XXXX  and XXXX, both bureaus stated that my credit reports have reflected my new legal name for several months and that the problem is on Credit Karma 's side. However Credit Karma support continues to disagree with this assessment and again insists that I contact credit bureaus for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: FC HoldCo LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
FLAGSHIP CREDIT ACCEPTANCE IS STILL REPORTING AN INACCURATE CAR THAT WAS FALSELY PUT IN MY NAME WITHOUT MY KNOWLEDGE!!! THE COMPANY WHO LET THIS HAPPENED IS NO LONGER IN SERVICE! THEY WERE SHUT DOWN FOR ILLEGALLY PUTTING CAR NAMES IN OTHER PROPLE NAMES WITHOUT CONSENT!

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX I submitted documentation including a FTC report advising these companies they are reporting fraudulent incorrect information and to remove this information. TRANSUNION continues to report XXXX on my credit report which is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America ATM never dispense cash out, bank took funds out my account, they gave it back now they took my money again and telling me its nothing I can do to get it back claims they have me on camera collecting funds which is a lie I need to sue for fraud pain and suffering this has been stressful cant pay my bills this the second time and I have some information that can back my story up

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 monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion both maintain erroneous and/or false inquiries on my credit and all efforts made since XXXX to have this corrected have been futile. I sent numerous letters to have them correct these mistakes and they have not removed the inquiries. 

The following companies have indicated they sent letters to the bureaus to remove these inquiries from my file. i provided copies of the letters to te bureaus in vain 1.XXXX 2.XXXX XXXX XXXX 3 . XXXX XXXX XXXX, in the case of 3 inquiries, I was asked to secure letters from the creditors that the inquiries could not be verified and were not made by the company. I secured the letters and was advised by both companies that the letters must come directly from the creditors to the bureau. 

I secured letters from the Creditors and provided them to the bureau and still no actions were taken by the bureau. Neither bureau acknowledge my letter nor provide me with evidence of their investigation. 

I also received notices from the creditors in which 2 of them claimed they have sent letters to the Credit bureau to remove these inquiries from my file as they could not show that I requested credit from them. Yet both bureaus have refused to remove these inquiries from my credit file. 

In the case of a specific inquiry, I could neither verify the existence of the creditors by mail or phone. I notified both bureaus that the creditor does not exist. by informing them that the phone number provided for the creditors were a non-working number and the address provided for the creditor was returned by the US Postal Service as a non-deliverable address. 

Non existing Creditors : 1.XXXX 2 . XXXX XXXX In my telephone conversation with the staff of both bureaus, I was informed that locating and finding a non-existent creditor which they placed on my file was my problem. Unless I could find this non-existing creditor and the non-existing creditor provided them with a letter, they intend to keep the inquiry on my credit file. In essence, the bureaus are insisting that I must magically find a creditor that they place on my file without my knowledge, and can not provide me with valid contact information. The efforts to remove this inquiry from my file is more than a year has cost me hundreds of dollars paid to a professional credit repair firm, and over 40 hours of my time going back and forth with the bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief