BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my 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 2021-11-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello my name is XXXX XXXX. Firstly, Im a XXXXXXXX XXXX  worker and unfortunately, Im dealing with XXXX XXXX XXXX  caused by my Comenity Victoria Secret account Ive brought this issue up to Comenity before to have them make an adjustment to me credit report but to no avail. 

I missed a small payment due to XXXX XXXX XXXX, all the while I thought I had setup auto payment with Comenity. 

This caused me to be XXXX  days late, however Comenity is reporting conflicting information across the XXXX bureaus, on XXXX theyre marking me late for XX/XX/XXXX whereas on XXXX Im marked late on XX/XX/XXXX, thereby giving the impression that I was late for both months which I was not. 

I am requesting that all the XXXX late payments be removed from my credit report, Im unable to refinance my home due to this, Ive attached a copy of my XXXX XXXX  with this complaint. 

Account information : Account XXXX XXXX XXXX XXXX. 
Opened : XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ). 
Account status : Paid and Closed. 
Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: NC
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 incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification from Experian on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my 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 non-monetary relief
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On three different occasions I requested a full file disclosure and only received the standard 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 2023-11-13
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: PA
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:
Equifax improperly furnished my report without my written consent. According to 15 usc 1681b : 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. Equifax told me that they are allowed to report without my consent if they want which is a violation of my consumer rights. They refused to take off information that was not or could not be validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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:
There is unauthorized use of my 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 2023-01-04
Company: FinCo Services Inc DBA Current
State: MD
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:
My XXXX account was accessed by an unauthorized party from a XXXX  IP address on XXXX XXXX XXXX. They were granted access to my XXXX account and proceeded to charge 3 bank accounts a total of 14 times, with each charge being XXXX for a total of {$2700.00}. The person purchased XXXX points and credits for another game called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was charged 5 times, with them stopping 3 of the 5 charges and refunded all charges that went through. XXXX allowed 3 charges, but have since refunded the money after opening disputes. Current ( FDIC Insured through XXXX XXXX XXXX ) allowed all 6 charges to go through, and have since denied my charge disputes ( officially opened on XXXX XXXX XXXX  ) and the appeals on that decision. I provided sufficient evidence to prove that I did not place these charges, including a letter from my XXXX XXXX  stating I was at work in a XXXX XXXX where oXXXX XXXX  are not allowed at the time of the unauthorized account activity and charges. Current provided me the evidence they received from XXXX to prove that the charges were not fraudulent, but included questionable evidence, including an incorrect email used and IP details from XXXX that the charges were placed from XXXX. Not only this, when my XXXX account was accessed, the person changed the associated email address to a XXXX email and locked me out of account security features for 30 days. 

I also have IP address logs from the day of and days following the incident, showing IP address activity from multiple countries including XXXX and XXXX. This can be provided if necessary, as this may include personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Valor Intelligent Processing, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling me every single day I dont owe them nor do I know what they are talking about they are harassing me every single day and its annoying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I Have contacted them about validating a bankruptcy on my credit file, they came back verified, So i went to the us federal court and asked did verified the bankruptcy and they said they did not and never do verify bankruptcy. I then contacted the third party company they use and they said the same thing plus my file was frozen with them so they dint. According to FCRA they have to be able to verify all account on my credit report and supply me with how and the information they verified. They lied and has not giving me the information about this and or in violation of my rights, i want to settle this with having to involve the court.

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 2018-04-24
Company: Healthcare Collections-I, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Healthcare Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2023-11-24
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX open operated fraudulently, someone as been using this account in my name posing as me and paying as well. please block and remove.

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 2021-01-27
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. I never opened this account and have disputed this on my credit report and I have requested proof of this account being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-11
Company: Kingston Data & Credit International 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:
XXXX  DID NOT PROVIDE ME PROOF OF THE FOLLOWING COLLECTION ACCOUNT. i have no knowledge of this account. I would like XXXX  to not report inaccurate information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: SECURITY FINANCE CORP
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
See I was going to pay them the amount due. But they keep adding more to what I really barrowed. Is it my fault that I tried calling them but then they keep adding in more of what is barrowed. Even a credit advised me to pay the difference of what the amount is due and it ain't what they say. And thell charge me more for just trying to pay the difference off. And that's why I'm having difficult time paying them off.

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 2019-06-14
Company: EQUIFAX, INC.
State: VA
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:
My husband and I purchased a 5th wheel RV thru XXXX XXXX RV in XXXX, VA and financed it with XXXX XXXX XXXX XXXX. When signing our paperwork, we noticed the dealer put the wrong address on the form and we corrected it in the office. Unfortunately the information he turned into the bank contained the wrong information and the statement went to the wrong address. When we didn't receive a statement I contacted XXXX XXXX XXXX to make sure they received our paperwork. After going thru several people since my address did not match my social in their records ( plus I had no account number since we never received a statement ), we made the needed payment, changed the information to the correct address, and were told all delinquency would be taken off the account since we were the ones who came forward to correct the information. One week later it appeared on my husbands and my credit report for being delinquent. When I called the bank I was told they could not remove it and that we would have to file a complaint with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021, I submitted a dispute for an account with XXXX. I think the balance on the account was {$390.00}. The estimated completion date for the dispute was set for XX/XX/2021. However, the dispute was never completed by that date. I called Equifax in regards to the dispute not being resolved within the 30 days and the rep told me that because of this, the account would be removed. The account was removed. 
On XX/XX/2021, I received an alert stating that the same account was placed back on my credit report, causing my score to drop by 32 points. I logged back into my My Equifax account to just see that the original dispute still hasn't been resolved and is still showing under investigation. Furthermore, there's a dispute that was done on XX/XX/2021 and shows completed on XX/XX/2021 that was NOT SUBMITTED BY ME. Shortly after that dispute was submitted and completed, the account with XXXX was added back to my account. According to the Fair Credit Reporting Agency, the original dispute submitted on XX/XX/2021 was not completed within the 30 days so the account was removed and should have remained removed. It should not have been placed back on my credit causing it to drop 32 points. What do I need to do fully resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to access my Citibank Online account to access scheduled payments. The past few times I have tried it does not have as an option. I have been using online banking for many years with the same userid & password to log on. At this particular time I wanted to cancel a scheduled payment. I contacted the Tech department originally on XX/XX/XXXX. I was originally told it was a website issue & that I should try in a few days. I informed the so called " technical rep assistant '' that this has been going on for a while. She then went back & told me that my citibank card was not registered to the account, only my husbands was. This was never done by either one of us, & when my husband logs in, he also does not have access to this information. The scheduled payments are there & have been taken out monthly but neither one of us can modify them. When we go into the option it says " you have no scheduled payments ''. 
We ended the call with my only solution being to re-register MY card with the account. But still was given no explanation as to why it was happening. 
On Thursday XX/XX/XXXX I went online again & attempted to register online again. The same message appeared. I contacted Citibank again. They immediately gave me the same excuse, " it is a technical issue please give it a few days & try again '' I immediately informed them of the history of the situation. I was then put on hold again & told, " oh, I see an incident report was submitted in XXXX & our team is still working on the problem. '' I told her I called in XXXX, she informed me that she didn't know why but the previous agent I spoke with did not submit a ticket. I asked if one was submitted in XXXX why has it not ben resolved. I was then told, " Oh, the ticket in XXXX was general issue that others are having not just you ''. 
She then told me that the only way to submit a ticket for me was to submit a screenshot of the message ( why I had to do that & she could not just type the message in was beyond me ). 
I asked how would I know when it would be resolved and she told me someone would call me. which i find odd that they would personally contact each person who is supposedly having this issue. 
So after a few months I can access my account on line but can not access or manage my payees. I was told the only way to submit a scheduled payment or cancel a scheduled payment would be to directly contact them.I still have no explanation or solution to my problem. 
I felt like I have been given the runaround & wasted time I can not get back

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