BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-02
Company: Experian Information Solutions Inc.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also, the creditor of this account, which is XXXX XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online.

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 2022-05-04
Company: Comerica
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I receive monthly XXXX payments via Direct Express and I pay my bills by transferring funds from Direct Express to my XXXX  because some of my debtors require banking routing and account numbers for payments. When Direct Express denies the transfer, I can NEVER contact them to rectify the situation, which causes problems for me. They are never available for calls, I always get a " Try again later '' automated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is another item that i've been disputing for couple of months already but nothing is happening! Can someone please do something and delete this collections account to my credit report!! I have already reported this to FTC XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Experian Information Solutions Inc.
State: MD
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 XX/XX/2018 I disputed a late payment with Experian. 

The late payment was from XXXX XXXX XXXX  for XX/XX/2018. The account was closed a month before on XXXX XX/XX/2018 and marked paid. According to The XXXX XXXX XXXX XXXX, you can not add late payments to an account AFTER it is marked closed. 

I disputed this account on XXXX XX/XX/2018 and less than 48hrs later, Experian closed my dispute WITHOUT validation and investigation into my dispute which is negligent. 

Nor did they follow the law. My account was closed and paid in XX/XX/2018. You can NOT add a late payment for the month after an account is closed. The account is closed, therefore I no longer have a payment obligation.

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 2022-01-24
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. your company refused to provide all information such as who the original creditor is as requested on my debt validation letter. your company refused to completely remove your business from my private consumer report. Your company also unlawfully reposed my vehicle without any merits whatsoever as I am the original creditor according to the XXXX. 
This has caused me defamation of character, severe XXXX XXXXXXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed. 

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX  XXXX XXXX and XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call Equifax on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed a discover card reporting on my cred report. I immediately disputed the card which was deleted but now the company has reported it again on my credit. As a consumer that alerted them to identity theft, I have the right to fair and accurate credit reporting, they did not provided me with any of the requested documents per their investigation to validate that this card was opened and authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: LA
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:
Please review the attached documents and update my credit report as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: EQUIFAX, 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:
Equifax response was that I may be a victim of identity theft but continues to keep unverified items on my personal credit report. Per my previous dispute the unverified items listed below STILL remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? How is this possible? Who verified these accounts? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also sent you, Equifax, copies of my requests to the collection agencies, asking them to validate my debts, with the receipts showing that I sent these letters certified signature. I would like to request from Equifax the description of the procedures used to determine the accuracy and completeness of the disputed information. Also, Equifax has NOT provided me a copies of ANY original documentation validating these " verified '' accounts required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I demand the following accounts and inquires be verified or deleted immediately. XXXX  XXXX   Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX   XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX Inquiry XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: NY
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:
My mother added me as an authorized user on at least two credit cards without my prior knowledge. I have never had access to bills or statements. One card, the Visa, my mother told me to use for tuition, emergencies, and other expenses, but then she falsely accused me of charging {$30000.00} ; I asked her to show me a statement so we could clear up any misunderstandings and I also asked her to close the account, but my mother did not show me any statements so I do not even know what she claimed that I charged and she told me that she had me as an authorized user, so I do not know if she removed me from the account. Before I had student loans, my mother told me to use the Visa to pay off a hold on my student account ; she also told me to use it as an emergency fund for my children and myself, because my ex-husband has willfully refused to pay support, however, most times I have not used it. I never activated the second card, the MasterCard. I do not have accounts with the credit card companies so I am not sure how to check and see if I have accounts to close with them. I tried to report it to the FTC as well, but I did not have enough information. I already tried to clear up any misunderstandings with my mother, but she didn't even show me any statements, and I want to avoid being a victim of fraud and I want to avoid being falsely accused in the future. My mother seemed like she wanted me to think she was helping me by making me an authorized user on the credit cards, but falsely accusing me is not helping me and I do not know what government agency helps with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: ARVEST BANK GROUP, INC.
State: AR
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:
Please see the full details of my complaint in the attached email. 

I have listed all the details of my complaint, concerns, and issues, that I would like for you to review and help me in resolving. 
I appreciate you so. 
Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed. 

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX  XXXX XXXX and XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs

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 2017-07-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a open dispute with experian. I have mailed countless letters to experian about these unverified invalidated alleged accounts. These accounts are to be verified by law per TILA FCRA 609 ( a ) ( 1 ) ( A ) through the original signed consumer contract. Experian refuses to provide me with any and all documents used for validation and verification. Experian representative on call XX/XX/22 XXXX. has told me experian is verifying accounts through XXXX XXXX 3rd party data collecting services, funny thing is Ive already opt-out and did a total security freeze on any fraudulent information that XXXX XXXXXXXX has illegally obtained because I have never done business or signed any contract with XXXX XXXX to house or obtain any personal information. This is total conspiracy. Experian refuses to keep their honor with the people and thats to protect the rights of the consumer, to validate alleged accounts or inaccurate information. They are leaning heavily on a e-Oscar system for validation and verification that has shown to be obselete and damaging when fraudulent information has been put into the system. I demand to see all required documents used for validation on disputed accounts. Someone needs to be held responsible for this irreparable harm that this company is causing millions of people from negligence to do what theyve been illegally placed to do, to investigate validate and verify any and all complaints of the consumer about their consumer report. I demand to see my original signed contract from these alleged accounts from the creditors I have no knowledge of and any personal information that is not accurate needs to be removed immediately! There are laws in place for reasons Experian is not above the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: SYNCHRONY FINANCIAL
State: GA
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:
I have a Paypal Smart Connect account and also had a PayPal credit card which I was told were two different things. My credit card account was closed over a year ago because I never used it. However, I do have a balance on my Smart Connect account which I pay on time every month. Recently I noticed that the bank was consistently taking out a fee for {$47.00} on the credit card even though the card had been closed. I was told that I signed up for this security fee in 2013 when the card was obtained ; however, I have no recollection or knowledge of agreeing to pay {$47.00} a month. When I called about it I was told that I would be issued a check within 30 days for XXXX. That check was never issued to me. Instead my Paypal Smart Connect credit limit was dropped from XXXX to XXXX. A third party company named XXXX XXXX ( Synchrony Bank ) apparently took the money that they owed me and put it on my Smart Connect account, although my account has never been behind. Then I conveniently received a letter stating that my credit limit was dropped again conveniently by XXXX. They gave the reason as being I have a high debt to ratio even though I have not been late with any payments. Also, they do not know what has occurred in my life in the past year, and it is extremely insensitive that banks can bully and treat good customers in this manner. I feel as though the way the bank did this was underhanded and unethical. They took money from me every month to pay fees on a card that no longer existed. They never paid me back the money, but lowered my credit limit and took the money, claiming to have put it on my Smart Connect account which I did not authorize. In addition, my credit report does not show that XXXX came off of my debt. It shows that my credit limit is XXXX. Also, there is no record on my Paypal account that this payment was made. Even though this payment was made, the bank still required me to make another payment on my account of {$70.00} a few days after they received 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 monetary relief
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.

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