BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: BARCLAYS BANK DELAWARE
State: NM
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:
My identity was stonlen on XX/XX/2022. A credit card account was opened fraudulently using my information with BARCLAYS BANK DELAWARE/O. I contacted them on XX/XX/2022 and XX/XX/2022 and on XX/XX/2022 to try and get this problem resolved but they refuse to send a letter to the credit Bureaus to get this removed off my credit report. I had to spend over XXXX contacting and emailing credit card companies and bureaus to place fraud alerts and credit freezes on my accouunt. After doing a XXXX search on BARCLAYS BANK DELAWARE/O I see the have a XXXX star rating with many people in the reviews calling them a scam.

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 2022-06-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX How is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: GreenPath, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Greenpath today XX/XX/2023 to tell them to cancel the ACH withdrawal. I had sent them a message last night, XX/XX/2023, to tell them to cancel the ACH. I did not get any response. 
I talked to several people today and then I got this email that says I agreed to the {$510.00} to be taken out every week. 

That doesn't make any sense because they have been taken out that amount for awhile now. 

Why would I call to tell them to do something they were already doing? 

What is the agent 's name that I talked to? 

When they took the money out of my account, it caused my account to go into negative balance. All of my other posted debits bounced back and the bank and those vendors charged me NSF fees. 

I want Greenpath to reimburse me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My husband worded for XXXX and Held and was offered an apartment. He lost his job when he was sick and we moved out. We never had a lease and I didn't sign anything saying I lived there. I infact, lived elsewhere. Why is this showing up on my credit?

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 2023-11-22
Company: EQUIFAX, INC.
State: GA
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:
I submitted dispute letters on XX/XX/2023, contesting the validity of certain accounts. Despite their response claiming verification and the completion of the investigation, I requested verifiable proof. Since XXXX, I have consistently sought evidence without receiving any. These accounts are not mine, and I urge their immediate removal. I have attached my identity theft report to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 non-monetary relief
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX XXXX is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
My identity was stonlen on XX/XX/2022. A credit card account was opened fraudulently using my information with XXXXXXXX XXXX XXXXXXXX. I contacted them on XX/XX/2022 and XX/XX/2022 and on XX/XX/2022 to try and get this problem resolved but they refuse to send a letter to the credit Bureaus to get this removed off my credit report. I had to spend over 40hrs contacting and emailing credit card companies and bureaus to place fraud alerts and credit freezes on my accouunt. After doing a XXXX search on XXXXXXXX XXXX XXXX I see the have a 1.5 star rating with many people in the reviews calling them a scam.

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 2022-06-06
Company: WAKEFIELD & ASSOCIATES, 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: Information belongs to someone else

Complaint:
I have filed police reports and submitted everything that was requested of me both to the company and the credit bureau and its still remaining on my credit report. I did not have this account I wasnt even in that state when the loan was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-11-28
Company: Credit Quick
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THESE ACCOUNTS DO NOT BELONG TO ME THEY WHERE PUT IN MY NAME UNDER FRAUD I NEVER OPEN ACCOUNT WITH XXXX XXXX PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY

Company response to consumer: Untimely response
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX XXXX Account XXXX 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 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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I disputed this false information since XX/XX/2022. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$530.00}

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 2022-06-06
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I filed a complaint with CFPB on XX/XX/2022 because the 3 credit reporting agencies was violating the law in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Acct # XXXX and XXXX XXXX XXXX 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 Also, I asked the reporting agencies and the creditors in these cases to validate the loan with any paperwork with m y signature on it, that proves this debt belongs to me. According to 15 U.S.C. Sec. 1681i ( a ), they have to show what methods they use and who they talk to regarding this debt, but I have not received any verification of debt and it has been over 90 days of disputing and requesting accuracy on my file, this has been exhausting and taxing on my mental, emotional and physical well being. 

the 2 accounts on my report are : XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: MN
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 recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1.XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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:
MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND 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 non-monetary relief
Consumer complaint received 2022-06-25
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: Credit inquiries on your report that you don't recognize

Complaint:
some one is running my credit for credit card I didn't apply for anything

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 2022-11-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
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:
To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help

Company response to consumer: Closed with explanation