BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: BARCLAYS BANK DELAWARE
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit 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 2022-08-22
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: Investigation took more than 30 days

Complaint:
First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company TransUnion have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than XXXX days very horrible customer service I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 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 2022-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 
. 
XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in 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 explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  days 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 2022-08-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  Account Number : XXXX  XXXX days late in XXXX XXXX 2. XXXX Account Number : XXXX  XXXX days late in XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian keeps closing disputes with a answer that makes no since considering in there letters admit that

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXXXXXX has violated my rights Account # XXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violate my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX* US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC has violated my rights 15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-22
Company: Southwest Credit Systems, L.P.
State: AL
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 disputed this account many times with SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX. The date it was assigned is XX/XX/2020 and the amount is {$85.00} it doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: I.C. System, Inc.
State: AZ
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:
The company sent people to my home. I returned their equipment as required in the boxes provided. I never received credit for the returned equipment, instead I am in collections for a far greater amount. The original amount was under {$300.00} and that equipment was returned to them, now they have a {$980.00} collection charge on my credit report! 
They have harassed me to no end and because sending people to my house didn't work they decided to go with an obscenely high dollar amount to inflict more aggravation on me.

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 2022-04-24
Company: EQUIFAX, INC.
State: MA
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:
In accordance with the Fair Credit Reporting has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EdFinancial Services
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:
I am a victim of identity theft and I've been dealing with this for months now and Im now having the same problem I had with XXXX and XXXX that I am now having with XXXX. Some one stole my identity, used my maiden name and obtained a federal student loan through EDFinancial to attend XXXX XXXX XXXX in Louisiana. Ive tried to contact the school I have yet to hear back from them. Im still battling with Ed Financial to get this off my credit and all obligations to this loan. I have summited a police report and other documents supporting my dispute. I was informed that the loan was obtained by the thief in XXXX of this year 2023 to an address in XXXX XXXX Louisiana. Ive never went to school there nor have I ever lived in Louisiana. Born and raised in XXXX. I also have proof of residency for the time frame the loan was obtained. I am seeking help in this matter. It has caused major XXXX and delay in plans for a home. I have also files under XXXX as a few websites have suggested. Im so lost at this point and hoping that someone can help me thank you.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-06
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.

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 2022-08-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-22
Company: Avant Holding Company, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$6000.00} personal loan with Avant on XXXX XXXX. Therefore it has been approximately 6 years and 8 months since the origination date. 

During the time, Ive encountered numerous financial difficulties. At times, payments were missed or I was set up on a payment plan. However I have been current on this loan now for many years despite these struggles. 

To date, I have paid {$9900.00} to Avant for this {$6000.00} loan. At this time, only {$840.00} has been paid towards principle., meaning I have over {$5100.00} in principle only to pay off on this loan according to them. 

While I understand at times I have been on a payment plan, or pushed payments to the end of the loan, I have still paid {$3900.00} in excess over and above what was lent out to me. Avant- has made a profit on my loan. 

With these extensions and payment plans, it is not clear at all how I can still owe this much remaining on the loan. There is nothing clearly spelled out saying so in my loan documents. At best it is confusing, at worst it is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
False advertising made by Comenity Capital Bank - Zales The Diamond Card regarding terms and conditions for promotion. After apply for card to receive promotion being advised by representatives that approved or denial would occur same day. Which did not happen, so promotion was not available for me to use. This falling advertised to apply for credit card. While the credit card application with result in credit report. Thus effecting me personally harming my credit report for a card not needed. Date of application, sale advertise on website and advised promotion still in effect to apply. Promotion no longer available while getting scammed for a card I do not need. Contacted comenity bank directly to cancel application for card since promotion wouldnt apply to me. Advise I can not that their prices takes 1-2 weeks. Stuck with a credit card for false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TD BANK US HOLDING COMPANY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX  XXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXXXXXX XXXX  Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX SXXXX XXXX XXXX XXXX Account # XXXX balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} Open- XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXXXXXX account is stated on my credit report that is inaccurate, and well over 10 years old, and still remaining on my credit. I have sent out several attempts to rersolve this issue with Transunion for it be remove but yet have no response

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