BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NC
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 requested information be removed from my XXXX XXXX credit report and notice several discrepancies on the report. They agent XXXX XXXX XXXX stated that I needed to contact you all and once it was complete they could remove it. I have contacted XXXX XXXX, XXXX, and Experian 3 times as of this date XX/XX/2023 and have found something new and the inquires I did not authorize still on there. Also a job listing that I have never had. 
I have contacted the three Credit Bureaus XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX phone and XXXX XXXX again today XX/XX/2023 via phone. 

XXXX XXXX XXXX, Inquiries Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX credit transaction on XX/XX/2023 ( {$720.00} ) I have called this company and get nothing but a voicemail service. 
XXXXXXXX XXXX XXXX Lender XXXX XXXX XXXX XXXX XXXX Secured Loan This does NOT Belong TO Me There are several other inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Account was paid off within the 90days and the Card on the account was removed and when attempted to pay it over the phone the agent stated that she could not take my payment because a payment had already been taken from my credit card. I informed her that I wanted to make my payment over the phone being that my 90 days would be up on the following Monday. They had a glitch in their system and the money did not come off my card and then they attempted to make me pay the full amount. But now on my credit report it shows the they wrote off {$300.00}. it also appears to be on my report twice. ( Experian )

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 2023-03-04
Company: EQUIFAX, INC.
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 sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, XXXX XXXX Equifax, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
These accounts are not mine, they have incorrect information and greatly affect XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, Ive sent countless letters to Transunion about incorrect information being reported on my credit profile. They have not taken the steps to properly investigate the account. From XXXX to XX/XX/XXXX Ive sent certified letters in regards to disputing information that is inaccurately reported with no resolution.

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 2023-10-18
Company: Chime Financial Inc
State: GA
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:
Well I have a checking account with chime for the last several months there has been a lot of fraudulent transactions on my account. Chime will not recognize these they keep denying me the money to be put back into my account. My account has been hacked an a lot of money has gone from my account to XXXX XXXX then XXXX. They took over {$1100.00} this month an I live off of XXXX payments. Which is only {$1200.00} a month but there has been over {$12000.00} stolen from my account an chime refuses to refund me any of my money my account with chime has been hacked an they just keep letting them get away with it, I've lost XXXX storage units with all my belongings due to chime not reimburseing my account that was everything I owned which was a total of {$67000.00} an now I will be homeless at the end of this month due to chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX  reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

XXXX XXXX  did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX XXXX XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that XXXX XXXX  wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX and XXXX credit report but not the Equifax report. I'm certain all the verification information I provided was accurate. The fact that i got the other two is indicative of that. Equifax is putting unnecessary roadblocks to stop consumers from accessing their credit report. Equifax asked me to send in my request by mail ( Equifax also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format. 

Below is the message I received : Print and complete the Annual Credit Report Request Form. You'll need to mail the completed Annual Credit Report Request Form and a copy of the required documents described below to verify your identity Mail in a copy of one item in each of the categories described below. 
The item you include from the Identity category MUST contain your Social Security number, and the item you include from the Address category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) Please enlarge photo copies of any documents that have small print, such as your driver 's license. Also, make sure the documents are easy to read and do not have highlighting. To avoid delays, keep in mind that if the photo copies are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Mail to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX sold my debt in XX/XX/2022 to a third party collector, XXXX XXXX. XXXX has continued to report a balance owed on Experian. I have contacted XXXX many times and disputed with Experian twice. I have currently provided further documentation to Experian from their own website confirming the account balance should reflect XXXX due to the ownership of the debt.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX  reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

XXXX XXXX  did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX XXXX  XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that XXXX XXXX  wanted to report to this as a late payment. 

This payment was not late on my part but a banking 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 explanation
Consumer complaint received 2022-04-14
Company: BARCLAYS BANK DELAWARE
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX ( XXXX ) Carnival Cruise line offered a trip for the family, 6 cabins totaling {$4200.00}, offer thru Carnival XXXX XXXX XXXX. ( ( Barclays Bank ). Trip scheduled for XX/XX/XXXX. 
Due to the Covid-19 Pandemic we were unable to travel, the fleet was canceled. 
Carnival offered a 100 % refund. We never went on any Carnival cruise, yet Barclays continued to charge the automatic payments that were setup. We wrote to Carnival, we wrote and called Barclays they did nothing and continue sending letters and phone calls. 
Finally Carnival did a partial refund, Barclays was not paid completely, now XXXX Barclays decided to send the balance to collection services, ( XXXX XXXX ). We never went on any Carnival Cruise, we offered to settle with Barclays, nothing was resolved. I would like to have remove my collection activity until this issue is settle. The XXXX score is affecting my loan status to purchase a home.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 received an email from XXXX XXXX  notifying me that a hard inquiry was made on my credit reporting agency named trans union.My account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if XXXX XXXX is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung 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 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
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 earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2023-04-22
Company: SYNCHRONY FINANCIAL
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX  of XXXX   fraudulent charges began showing up on my Synchrony Bank PayPal Credit Card. These purchases for " XXXX XXXX  '' were neither approved by myself or my spouse nor received by myself or my spouse. I contacted Synchrony immidiately, they cooperated, removed the charges and sent us new credit cards. In our statement due XXXX XXXX XXXX these same charges showed up again but this time were labeled " Balance Transfer '' we assume because we now were using the new card Synchrony sent to us. 
I called them again and we repeated the process. I also wrote them a letter dated XXXX XXXX XXXX followed by more letters dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Letters attached with details of charges. 

I have never had a response to my repeated written letters, only repeated invoices with added interest and late payment fees and now I was notified that Synchrony reported non-payment on my credit report. 

I of course canceled our credit cards with them, no longer place CD 's with them and canceled my PayPal 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 explanation
Consumer complaint received 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I found out today, when I called to ask Capital One how they received my contact information in order to send a mailing, that Capital One is apparently part of a large-scale identity theft scheme. I asked from where they received my contact data, and they said that their COMPANY POLICY is to keep secret within the company where they buy consumer data from. Two people I talked to could not tell me where the data came from but said that where data is purchased from is always kept secret. They claimed that someone I did business with sold the data to them, but they were lying about this, since that did not fit the contact data that they had. It looks as though Capital One is buying consumer data from hackers. 

I have never done business with Capital One. There is no reason why they have my data, and no reason why they refuse to identify where it came from. 

Identity theft will continue to be rampant as long as companies like Capital One ignore all consumer privacy precautions. It appears to me that they may be violating several federal laws, including the Fair Credit Billing Act, the Federal Trade Commission Act,  and the Gramm Leach Bliley Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX Dept of Education 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 2020-04-01
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from XXXX XXXX servicing stating that I had a past due amount of {$1600.00}. When I called Customer service representative ( Ms. XXXX ) on XX/XX/2020 she stated that the late charges had originated with CIT servicing. When I called CIT on the same date, Customer service representative ( XXXX ) stated that the companies were different divisions of the same company. I explained that the letter I received when the change was made stated that all conditions remained the same ; therefore, I did not change the payment date for my bank 's bill pay. All payments were sent through bill bay on the same date of each month and neither company can explain why I have late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notifications or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationships with creditors as I am going through the home buying process.

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 2022-04-13
Company: Pingora Holdings, LP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I just received this phon

y letter from " Pingora Loan Servicing '', which I have never heard of. I have never had a mortgage serviced by this company. I believe they are using this as a scare tactic for people who won't know any better, to get them to sign up for this " Identity Monitoring Service '' - which they probably don't need. This is misleading and false advertising, and they should be forced to stop this. I'm attaching a copy of the letter so you can see for yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation