BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: CT
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX COLLECTION : XXXX XXXX   ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$320.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This complaint is for TransUnion Accounts in dispute XXXX ( what appears on my credit report ) XXXX ( I dont have the complete number account ; this is from a letter I received from XXXX XXXX XXXX Im writing regarding the account with XXXX XXXX XXXX On XXXX I purchased a property located at XXXX XXXX XXXX XXXX XXXX  However, I did not live in the property, as I rented the property. My address since XX/XX/XXXX, is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My identity was used to opened accounts fraudulently without my authorization using the address at XXXX XXXX XXXX XXXX XXXX. Ive been a victim of identity theft, my identity was used to open accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. I dont know the exact year in which the accounts where opened. 

When I contacted XXXX XXXX, they transfer me to the department of collection. They say they can not remove the account from my record because I made payments using a XXXX  XXXX XXXX account. However, the fraud department of XXXX XXXXXXXX XXXX carried out an investigation and has resolved to close the accounts under name as they were opened fraudulently. In the same way the fraud department of XXXX XXXX did an investigation and deleted the accounts as well. 
Ive tried several times to contact XXXX XXXX, I sent them a copy of the identity theft police report, my apartment contract, and my utility bill. Yet XXXX XXXX refuse to delete the accounts from my credit report. 

Im requesting the XXXX XXXX accounts to be removed from my credit. Im attaching the police report, my apartment contract, my ID and SSN.

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 2022-05-31
Company: EQUIFAX, INC.
State: CT
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX COLLECTION : XXXX XXXXS ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 requested an extension on my auto loan with Capital One Auto Finance on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. Capital One Auto Finance gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. Capital One Auto Finance then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with Capital One and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Information belongs to someone else

Complaint:
Dispute Department : Fraudulent XXXX/DEPT OF ED ACCOUNTS ( Reference 15 usc 1681i ) XXXX : XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible

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 2023-05-19
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:
I have noticed several inaccuracies in the way my accounts have been reported. The information provided does not reflect the true status of my accounts or the accurate payment history associated with them. There are many errors on my report and I feel that I am being taken advantage of.

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 2022-12-24
Company: DISCOVER BANK
State: MD
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:
I made a payment of {$290.00} to Discover in XX/XX/2022 at which time I also entered into a temporary hardship relief program that lowered my monthly minimum payment to {$53.00} for 12 months and also lowered my APR to XXXX  %. I have paid the monthly minimum payment on-time in XXXX and XXXX of 2022 both on the XXXX, however the payments have still been reported as late to all XXXX major credit bureaus. During these months my balance was below the credit limit. 

Even though I have entered into the new payment program, my monthly statement still reflects a higher monthly amount due when my balance is below the credit limit. If the issue is that there is still a higher monthly payment due for whatever reason, Discover should demand that amount be paid BEFORE entering into a new payment program with a lower monthly due amount, so to not make matters confusing by providing multiple minimum payment amounts to the consumer. Once entered into the new payment program, all previous monthly payment amounts should be voided to allow future payments to be reported accurately and consistent with the payment program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Report from : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Please wait... 
XXXX XXXX XXXX Print report 525 Calculated using VantageScore 3.0 Provided by TransUnion Personal Information NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYMENT INFO SXXXX XXXX XXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts Here 's every account on your TransUnion report. Click on the account name for more details. 

See an error? 
You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 

XXXX XXXX XXXX XXXXXXXX XXXX  Reported : XX/XX/XXXX + {$490.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$110.00} Closed XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$140.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$430.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX Collections

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 2022-06-02
Company: Experian Information Solutions Inc.
State: AL
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 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 XXXXhas 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 an 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 2022-06-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NY
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:
The negative account still showing on my report, you have failed to removed and delete the items that I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Account information incorrect

Complaint:
I filed a dispute with XXXX, XXXX and Experian and the other two credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. XXXX, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. Thisis a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under.

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an 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 2023-06-25
Company: SYNCHRONY FINANCIAL
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:
You are in direct violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 802. A. Clearly states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section & : Il also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1866B : A creditor may not troat a payment on a crodit card account under an open-and consumer crodit plan as late for any purposo.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2022-06-02
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As per my understanding, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.

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 2022-12-24
Company: Experian Information Solutions 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:
Please consider this as a follow-up to my earlier request that I have been a victim of Identity Theft and no one seems to care and acknowledge it. I am including the disputed items on this complaint so that you will be clarified to remove these certain items. 
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 non-monetary relief
Consumer complaint received 2022-01-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had notified Synchrony bank that all payments from the shopping networks QVC and HSN were paid from my debit cards on file which is automatically deducted monthly. Copies from HSN and QVC payment statements were sent to the bank showing that there was no remaining balance. Synchrony bank refused to accept the statements. The bank was notified by me as of XXXX XXXX after receiving a letter from them. They are claiming I owe over {$1000.00}.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 an 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