BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: Porania, LLC
State: CT
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 these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX  This is not mine. 

2. Identity Theft XXXX  Account Number  : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
Theres a Bankruptcy thats currently reporting on my credit file with XXXX, XXXX and Equifax. This Bankruptcy was completely dismissed and should not be reporting on my credit file with XXXX, XXXX and Equifax. Please remove the inaccurate Bankruptcy thats reporting on my credit file. Please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Affirm Holdings, 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:
This company is impossible to deal with. 
I have tried to reach out and unable to receive assistance in resolving my issues. 
Secondly they send me a paid in full letter and report that my account is past due when its paid in full. This company has poor standards and reguard for their consumers. 
I will not use them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have XXXX home internet .... one modem one line one bill ... XXXX has submitted another account in my name to a collection agency and to a lawfirm trying desperately to get me to pay {$350.00} on a account that doesn't belong to me. They also have the absolute worst customer service department on the face of the planet. They have refused to resolve this issue. When I first got the home internet I had to send one modem back because they sent me one and I got one from the XXXX store. I spent one hour on the phone with XXXX customer service in the ups store trying to get a return label for the extra modem. They couldn't get into my account because the pin on the account wasn't set up .... and they couldn't set it up. So I drove over to the XXXX XXXX and asked them to send it back. They said they usually don't do that but since I had an issue with customer service they gladly sent it back for me. Then a few months later I had problems with my modem. I diagnosed the problem myself to be a faulty power cord. I spent over an hour trying to explain that to XXXX customer service and they said they would send me another cord. That was the most successful call this whole time I've had XXXX ... .. so I thought. When the box came in and I opened it, it was a XXXX phone battery. I had to contact customer service yet again and to resolve the issue they just sent me a new updated modem and had me send back the old modem and XXXX battery. Then I received a letter saying I owed money on a bill when all my bills were paid. I noticed the letter had a different account number but had my name. I went to the tmobile store so they could assist me in figuring out what has happened. They found that there were 5 different accounts in my name and were unaware of how this could happen. We spent a good amount of time on the phone with customer service, again. The customer service rep stated she was gon na delete all accounts except my actual account and credit my account $ XXXX thought everything was fixed and internet was great and bills were paid and everyone was happy. Then, I received a letter in the mail from a collections agency stating that the account that I thought was deleted was turned into them and I needed to pay {$350.00}. I disputed the claim and XXXX said their information was correct. Then I received a phone call and a letter from a law office attempting to collect the dept.To this day. The issue is still not resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: AMERICAN EXPRESS COMPANY
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: Personal information incorrect

Complaint:
Recently went to open a bank account and found out that an account has been opened in my name and ssn # in another state. I live in Arizona but the account was opened in Connecticut. So i pulled my credit report and found over XXXX inquires that are fradulent and are not mine and I am requesting for all these items be removed from my credit report. 
XXXX XXXX XXXX XXXX AMEX XXXX AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMEX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THE POLICE AND HAVE A CURRENT POLICE REPORT AND ALSO HAVE CONTACTED " ALL '' CREDITORS AND BUSINESS ABOUT THE INQUIRIES AND NO ONE WILL HELP REMOVE THESE INQUIRES WHICH WERE DONE WITHOUT MY PERMISSION AND FRADULENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
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: Personal information incorrect

Complaint:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2017 NOT PROVIDED Date Updated : XX/XX/2017

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 2022-08-02
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a credit card through XXXX at XXXX bank. I had {$350.00} total rewards balance. XXXX switched from XXXX to Barley. I went to pay my last bill at XXXX ( in which the charges were made with the XXXX card. My balance was XXXX at the bank. I came home and had a bill in the mail from Barclay for the same amount. I crossed off the name on the check that had XXXX as the payee and put Barclay and sent in the payment. The first bill was sent late, I immediately sent the payment and I was still billed a late fee of {$29.00} and another fee of XXXX cents, that was XXXX bill. I received another bill with charges on it and paid it, and now keep getting late fees added on since I refuse to pay the late fee. The total from XXXX statement is about {$310.00}, these are all from the original late fee. I've tried calling them I didn't sign up for an account with them & wanted copies of everything I signed. I didn't give them permission to take my rewards ( with XXXX, that was {$350.00} ) and now it is at XXXX. They even tried getting my routing and account number to my bank. It can't be my account since I never signed for it. They have deactivated my account and my rewards are gone. I then called XXXX and got hung up when I told her they stoled my rewards.

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 2022-08-02
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: Personal information incorrect

Complaint:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date Updated : 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 2022-08-02
Company: EQUIFAX, INC.
State: VA
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 XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE & WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} # XXXX XXXX XXXX  charge off # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NV
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 NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX service # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Transunion  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} # XXXX XXXX XXXX XXXX XXXX {$380.00} # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-08-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Company refuses to answer any internal messages about my complaint. 

On XX/XX/2022 they reported that I had a balance of {$4800.00}. 
They published to my lender that I failed to make payments in XXXX. 
On XXXX XXXX Comenity failed to accurately reflect payment information and caused me to make a double payment, which overdrafted my account 3 times and caused late payments bills. 
I lost my RV loan and truck loan once again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint frsutarted of the Credit Bureaus action of ignoring a consumer 's requests! This is just bothersome! It has been 5 months since my first dispute regarding the fraudulent items being reported by the XXXX and TransUnion Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Owed : {$730.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX  XXXX Balance Owed : {$8100.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$270.00}

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 2022-10-24
Company: EQUIFAX, INC.
State: FL
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:
THERE IS AN ACCOUNT FROM XXXX XXXX XXXX Account Number : XXXX FOR {$11000.00}, IT'S FRAUD AND I DID NOT AUTHORIZE OR REQUEST AUTHORIZATIONS OF THIS ACCOUNT LISTED IN THIS REPORT. MY INFORMATION IS COMPROMISED. THERE HAS BEEN SEVERAL ACCOUNTS THAT BEEN ATTEMPTED TO OPEN WITHOUT MY AUTHORIZATION, AND HAS BEEN INSERTED INTO MY CREDIT REPORT WITHOUT PROPER VERIFICATION. IT IS UNLAWFUL ACCORDING TO THE FCRA AND A VIOLATION 15USC1681. IM DEMANDING FOR THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT VIA XXXX, EQUIFAX, AND XXXX. THIS IS HIGHLY AFFECTING MY LIFE AS AN INDIVIDUAL THAT'S TRYING TO PROGRESS THROUGH MY FINANCES. I'VE EVEN FILED A POLICE REPORT AND AND FTC REPORT TO ONLY BE IGNORED. THIS IS UNPROFESSIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Someone fraudulently opened up credit card and a loan in my name. As well as tried to purchase a car. These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Amount {$1300.00} To Whom : XXXX XXXX Collections agency : Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This debt is not mine. I contacted Sunrise Credit when I noticed my score was suddenly severely reduced and we established the email associated with the debt is not mine. 

They have simply ASSIGNED the debt to me. 

This resultant action has reduced my credit score from XXXX to XXXX currently, from this one and only negative entry.

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