BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: LA
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 sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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

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 2022-12-23
Company: KEYCORP
State: NV
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:
On XX/XX/22 I deposited a check that turned out to be fraudulent from a scam. I was told I was hired by a company called XXXX to work from home and they sent me a check for what was supposed to be for a laptop with software on it to perform the position from home. Once the money hit my account, the scammer told me to XXXX and XXXX XXXX  people and then my KeyBank account was restricted due to suspected fraudulent activity. I have made a police report to record to incident and KeyBank is not doing anything to reimburse the money that shouldnt have ever been deposited since it was fraudulent. Im now out the money I had in my checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX was opened XX/XX/XXXX but none of the payment history from XXXX XXXX XX/XX/XXXX is provided. Please provide full payment history. 

US Bankruptcy Court # XXXX is missing the full docket number and the city and the state of the court. Please provide full docket number and court information. 

XXXX XXXX # XXXX the entire payment history is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
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 utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. These are the accounts that I need to be removed : XXXX XXXX  XXXX and XXXX XXXX. Please remove these accounts ASAP.

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 2022-12-02
Company: Paradigm Assets, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request XXXX research these companies to find out who is who. 

15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are. 

Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had two purchases from XXXX XXXX that were not me show up on my statement. I filed a dispute and Bank of America claimed they were me and that I was lying they totaled to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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, Equifax, and XXXX XXXX violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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, XXXX, and Trans Union violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.

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 2022-06-08
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act these accounts below has violated my rights. 

- XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX  XXXXAccount # - XXXX - XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX /Account XXXX XXXX XXXX 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 2022-08-22
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Southwest Credit Systems , LP on XX/XX/2022 claiming I owed an alleged debt to their company in the amount of XXXX I responded through certified mail with return receipt for my own evidence and ask for verification that I owed this debt. I never received a response, according to the FDCPA Southwest Credit Systems LP was supposed respond within 30 to 45 days failing to do so is a direct violation to my consumer rights. I wrote them back a second time and ask for verification again the notice went unanswered again. This agency was supposed to stop all collection activities and reporting to the bureaus until they provided a contract bearing my signature and other documents for verification that I owed this company anything and they failed to do so, furthermore I never gave them permission to report anything on my consumer report according to FCRA 15 us code 1681b that's a violation of my consumer rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/23 - started talking to a breeder about adopting a kitten from them. Was told it would be {$1000.00} and that a deposit would need to be made. Discussed in length specifics about the health guarantee, videos/photos and even spoke to this breeder on the phone for confirmation. 

On XX/XX/23 - sent {$350.00} for a deposit for a XXXX kitten due to speaking with the breeder through XXXX linked to my Wells Fargo checking account. 

Everything was good to go for delivery of kitten on XX/XX/23. Breeder contacted me on XX/XX/23 and began acting very odd and demanded more money. Refused to pay more until delivery as previously discussed. Breeder began sending untraceable accounts for fake people to pay the final {$770.00}. These accounts were made through XXXX and XXXX. None of which, belonged to the name of the breeder.

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 2022-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an account open with Capital one and was errors that caused restriction on initiating my tax refund from the IRS I will like to have it escalated to claims for making purchases that disputed XXXX claims that were in my account when it reversed a loan that we had on my account to supply my account information stated that they were giving it to other banks and consulted them to link them together with the transfer. So I made a complaint that it was not lignin in my user name due to restrictions and owed me money on my job for a claim refund I ipen case called them and asked them to waive them and A fraid investigation was open on my account and enabled a security that could reflect the results later but never sent me the claim refund said could take up to 90 days to waive and I need some help opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX XXXXXXXX Balance : {$27000.00}

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 2022-07-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a valid credit card from JCPenny from 2016 which had been paid with no defaults for till XX/XX/XXXX. 
On XX/XX/XXXX, we went to purchase clothing from JCP but forgot to take the JCP credit card.

So, a JCP Employee asked for social security number to search the account but opened a new credit card account without our consent and billed the purchase there. 
After some time I started getting credit card statements over email and realized ( based on the last XXXX digits ) that a new card has been opened on my name. 
So, I went to the JCP store promptly ( on XX/XX/XXXX ), told them the problem and asked them to close the account as we have not opened on my consent. 
JCP asked us to make the balance to zero and we gave cash at the store so that they could apply on the balance to make it XXXX. 
Till then, we have been charged late fees and being mailed statements every month with an increasing card balance now amounting to XXXX I talked to Synchrony bank who opened the account several times, but they are yet to close this account or take any action for fraudulent activities. 
They kept asking for social security number ( I was reluctant to give over phone because of the above concern ) even after they verified out our identity with other information from the statement I have. 
They asked me to make the payment which I am not liable for and did not record for investigation of fraud.

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 2022-07-02
Company: SYNCHRONY FINANCIAL
State: TN
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:
Through XXXX I have asked multiple times for XXXX accounts that have been closed for some time now and were closed in good standing, to please be removed from my credit report all together. These account are not delinquent and have no reason to still be showing up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this account over 5 times, that account was Fraudulent open. I have no claim or ownership for this account and writing or electronically validation so it can immediately be remove from all three credit Bureau

Company response to consumer: Closed with explanation