BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
TD Bank representatives twice assured me that they removed late fees on my account. Instead, TD Bank reported my account as delinquent, damaging my stellar credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : 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 2018-04-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit account beginning in XX/XX/2015 with XXXX/SYNCB and when I became XXXX XXXX military, i had no way to pay my debt on that account. During that period, my account became past due and eventually was closed by the creditor.

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 2020-08-29
Company: ERC
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:
I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX  ( Original Creditor : XXXX XXXX XXXX  ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX  ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: UT
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:
Experian is reporting inaccurate information on my credit file. For the past 6 months I have been submitting dispute letters with no responds from them. Under the law they have 30 days to respond. Experian is reporting incorrect spellings of my name and incorrect social that is not mine. I have no idea where this came from, but social # XXXX Needs to be deleted off my credit file. I am attaching the proof you need to show what Experian is reporting as well as a copy of my social and ID.

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 2021-06-28
Company: CORELOGIC INC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CREDCO-AUTO Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft CREDCO-AUTO Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

8. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

9. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

10. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, 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:
XXXX IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM XXXX. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-06-28
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:
Collection account from XXXX XXXX  XXXX  should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection 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 2020-09-04
Company: WELLS FARGO & COMPANY
State: NY
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:
Hello, the below charges are fraudulent. I have attempted to call Wells Fargo but have not been able to get ahold of them. These charges were not authorized by me and are fraudulent. These charges need to be removed and disputed and I need the card replaced ASAP. 

XX/XX/20 XXXX ( # 12 ) XXXX XXXX XXXX  # XXXX {$1700.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX CA # XXXX {$130.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX CA # XXXX {$480.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX CA # XXXX {$1100.00} XX/XX/20 XXXX XXXX XXXX   XXXX XXXX XXXX CA # XXXX {$2000.00} XX/XX/20 XXXX XXXX, XXXX XXXX GA # XXXX {$550.00} XX/XX/20 XXXX XXXX XXXX XXXX  NY # XXXX {$260.00} XX/XX/20 XXXX XXXX XXXX CA # XXXX {$140.00} XX/XX/20 XXXX XXXX XXXX CA XXXX XXXX {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$780.00} XX/XX/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 2021-06-28
Company: EQUIFAX, INC.
State: SC
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 sent XXXX, XXXX  and Equifax a complaint about an account and inaccurate inquiries that has been reported on my credit report. I sent them formal 609 dispute letters on XX/XX/2021 and haven't been able to get a response back after 30 days. I sent an additional 30 day demand and compliance letter once the time period of 30 days has passed and I still haven't received any response. They haven't been able to verify the inaccurate account that they are reporting on my credit report and I would appreciate it if they were to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My original debt was to XXXX XXXX bank. My credit report shows LVNV funding as the debt holder now. When I call I'm told the company is named resurgence collections. Resurgence will not tell me anything without me giving them my social security number. I refuse to give it to them and they will not allow me to get any info or pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX I submitted a dispute to TransUnion regarding a Bankruptcy on my credit report. They send a letter dated XXXX indicating they contacted the US XXXX District Bankruptcy Clerk 's Office in XXXX  XXXX, Missouri and stated they verified it as accurate. I contacted the courts office and they stated they do not report or verify any tradelines with credit reporting agencies. They lied and used the courts in a false and misleading way. They should stop using official court representation for something they are not doing.

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 2019-02-19
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX  ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
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 explanation
Consumer complaint received 2020-08-28
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Found a hard inquiry on my credit report. Called the Barclays Delaware Bank who did the hard inquiry on XX/XX/XXXX and XXXX XXXX to try and dispute the inquiry. Received no response. Wrote a letter of dispute to Barclays on XX/XX/XXXX and received the response on XX/XX/XXXX stating the the inquiry was accurate. I have never applied for a credit card through this company and they are saying I did. When I contacted Barclays on  XX/XX/XXXX they said they don't have any records of me ever applying for a credit card. And if I did, the system deletes it after 90 days. The inquiry happened in XXXX. I contacted XXXX  the same day and they said I needed to call Barclays and request a letter of deletion to get the inquiry taken off my account. Once I asked for the letter, I was put on hold for several minutes then was disconnected. I called back and asked to speak to a supervisor and they made the statement that I can't let you speak to a supervisor because I don't have an account with the Barclays. I have reported them on XX/XX/XXXX to the XXXX  and now I'm reporting them to you. I need someone to give me the answers I seek and help me dispute this inquiry.

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 2022-08-06
Company: CURO Intermediate Holdings
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My collection account with Ad Astra increased. Which is illegal and a violation by CFPB regulations. No collection accounts amount should increase by any amount. This is clearly and illegal act by a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: UT
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 am having issues with the credit bureaus, XXXX, XXXX, and Equifax. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 explanation
Consumer complaint received 2020-08-28
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-08-27
Company: CITIBANK, N.A.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit agencies on credit that I didnt apply for, need help removing the inquiries

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 2021-06-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
B B & T of North Carolina allowed someone to open a Checking account in my name and social security fraudulently. When I started receiving overdraft notices in the mail, I could not reach anyone by phone at the local branch ( XXXX, NC ) or at the branch listed on the statements XXXX XXXX, NC XXXX for several days. When I finally got through to a person, they transferred me to someone with voicemail who did not call me back. I called the Corporate office in XXXX which transferred me to the local XXXX branch and the guy who answered the phone challenged my spouse as if security was of the utmost concern to them, although she clearly stated the issue, gave them her social, and mine also. When she called me to the phone, he began to question me and lecture my spouse as if 'she ' were the person who was in the wrong. After much persistence, I learned that they had allowed someone to open an account ONLINE with MY social security number and this person on the phone was attempting to tell my spouse that 'she ' could not speak to them about it if I was not present WHEN I was telling him to do so. He ignored my requests, ignored my instructions, and continued to act as if it were my spouse in the wrong. He stated they would 'mail ' a form ( as if it were of no consequence that fraud had been committed ) and THEN had the gall to hang up on us. We have no idea if the issue is being addressed and this bank has acted in a completely negligent fashion, not to mention treating concerned, and justifiably so, persons contemptuously. They need to be caused to answer as to how this has happened and we expect an appology and FULL disclosure of information as well as how they intend to remedy any damage caused by their lack of security.

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