BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
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:
Credit report shows a previous address of XXXX XXXX XXXX XXXX Ga. I have never in my entire life lived at this address. My current address is XXXX XXXX XXXX XXXX. XXXX and Experian are unable to get this correct. I have sent proof of my address as well. Along with this they are not allowing me to dispute my credit reports as Im allowed under federal law. XXXX XXXX XXXX XXXX XXXX XXXX. If you can help me with this I would be grateful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2021-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I filed a dispute with equifax stating that creditor XXXX XXXX was reporting inaccurate balances and data to my credit report. Its been over a year and this dispute has not been resolved, I spoke with a representative from equifax regarding this matter by the name of XXXX, she confirmed that the matter was still under investigation and I made her aware of my FCRA rights and she told me that since I made another dispute on XX/XX/XXXX the dispute from last year cant be resolved because I made a new dispute regarding this creditor almost a year later

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: The CBE Group, Inc.
State: IL
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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 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 if 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 explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DPT ED/XXXX XXXX, DPT EDXXXX XXXX XXXX DPT ED/XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US DEPT ED XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.S 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: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sleepys/Mattress Firm loan for mattresses purchased in XXXX  by my then husband, XXXX XXXX XXXX XXXX XXXX referenced number XXXX XXXXI, XXXX XXXX XXXX XXXX had nothing to do with that purchase. I for this seven year period have requested, to no avail, verification of my signature on the loan application. I believe the woman sales person worked with XXXX to put my name on that loan. I was not provided that information. My name and vital information was given without my knowledge or permission at the time of purchase. XXXX and I were still married at that time, and I was aware of the purchase. We shared the payment of the monthly bills. I made payments with my checking account for XXXX while unaware that my name was on that loan account with Sleepys/Mattress Firm . I gave him the check and he mailed the payment. I now know why he did not show me the payment stub, bill or mailings. It was because he did not want me to know that he or the salesperson put me on that loan without my permission. I have been fighting this for seven years!! We divorced shortly thereafter ; and he stopped paying the loan knowing my name was on it and I would be responsible. That was the type of person he was. He is now deceased ; and I'm still trying to get the charge off from my credit report. Please help me. Thank you, 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 2022-06-25
Company: TRUIST FINANCIAL CORPORATION
State: MO
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:
identity theft fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was to receive an offer I accepted of XXXX percent good through XX/XX/20. They claimed I never received the offer. They would not hear me on this matter.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am writing to follow up on my previous complaint regarding the incident where I fell victim to identity theft. Once again, I would like to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1, which mandates that Credit Reporting Agencies must eliminate and prevent the inclusion of any items mentioned in an identity theft report. Kindly refer to the documents provided in the attachment to facilitate the process of blocking and eliminating the inquiries that have been appearing on my report. Below is a compilation of the unauthorized inquiries that have been reported in my credit records : XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX 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 explanation
Consumer complaint received 2022-04-24
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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 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 if 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 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 an items which are 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 items from my files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}

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 explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX of XXXX, I was checking my credit report for the first time in a while. I noticed 5 unauthorized accounts on my report. I filed an identity theft report with identitytheft.gov today, XX/XX/XXXX and will submit a police report On this coming Monday, XX/XX/XXXX. I have called the creditors to report the accounts as fraudulent this morning, but there has been no help or luck with anything. I keep getting the run around and it appears that no one wants to help me. The total debt with all 5 fraudulent accounts adds up to {$8700.00}. Can someone please help me as this is a major inconvenience to my life.

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: SC
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 XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX 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.C1861 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 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I attempted to make a payment on my XXXX XXXX XXXX Mastercard on XX/XX/19 for {$860.00}. When arranging the payment from the XXXX website, I accidentally chose an old Bank of America Checking account that I rarely use. My intent was to pay from another account from another bank. 

On XX/XX/19 the first attempt to process occurred with Bank of America causing an overdraft of my account by {$770.00}. Bank of America then charged a fee for {$35.00} for insufficient funds. 

On XX/XX/19 XXXX charged me a {$28.00} return payment fee. XXXX then attempted to run the payment again resulting in another overdraft with Bank of America and an additional {$35.00} fee for insufficient funds on XX/XX/19. 

Bank of America did send an alert that I later found in my email, but XXXX sent me no notice whatsoever that they had attempted to charge the account and received a nonsufficient funds notice from Bank of America. 

I have called both Bank of America and XXXX to ask that these fees be reversed because the total value so far is {$98.00} for an honest mistake. This seems like an unfair and deceptive practice focused more running up fees than serving a customer.

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: OH
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:
I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including 15 individual hard inquiries. 

XXXXXXXX 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including 15 individual hard inquiries. 

XXXXXXXX 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 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I went to buy a new car and our credit was ran several times buy the Car lot telling us they would only run it once! If you will see in XX/XX/2017 there are excessive car loan inquiries as well as banks. They didnt care what they did to me as hard inquiries!! Just trying to get a bank to buy the deal. This should be against the law. I want them removed! Its up to almost 38! Its unreal that they can get away with this. Please help!!

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 2023-11-21
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16
Company: Paramount Recovery Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2015 I went to the Emergency services at XXXX County Hospital to have an examantion of my hip after falling. I had xrays and consulation fromthe attending personal. I never saw a XXXX XXXX who put his name on my record. I had my XXXX card presented and a little later I got a notice that my Hospital had been paid by XXXX. Now just recently I had my credit report done and found a negative issue about an outstanding medical bill that was in collections. I went to the Hospital to investigate and found that my bills had been paid in full by XXXX. But there was one bill that was separate from their billing and it was from a XXXX XXXX. I found out that XXXX XXXX tired to bill my XXXX, but had waited to long in his request and XXXX refused to pay. Then he tried billing me at an incorrect address for the charges. As a results I never received any billing, because he was sending it to an address that I didn't live at. After never getting a repsonse from me her turned it over to a collection agency in turn reported it to my credit report as none payment. ( Paramount Recovery Systems out of Texas ) I reported my dispute with 2 Credit Reporting Agency ( XXXX  and XXXX ) and had the negative issue delete from my credit Report. 
I am waited for a response from XXXX  on my dispute. I would like this collection agency to stop reporting a negative issue on my credit. I feel it was not my problem that the Dr. failed to get his money, I sure XXXX would of paid his bill. In closing to the best of my knowlege I do not remember seeing this XXXX XXXX, and believe he tired to tack on his charges to my injury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have four weeks if unemployment  sitting on Reliacard at USBank, however, I have never received a card. I have called and been placed on hold for 13 hours over the last few days. The phone calls are randomly disconnected after holding for hours. The only way to email them is if you have a card number. Please help.

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