BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the Bankruptcy account listed below is still reporting on my credit report which is a violation of FCRA. The TransUnion bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as their verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the bankruptcy account below in my file U.S. Bankruptcy Court 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Id like to inform you 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 blocking of the erroneous information which is being posted to my report. Here is the list of the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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: Exeter Finance Corp.
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: 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 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX  purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i dont want to make a complaint. i dont want any scripts. I am questioning the dispute process with capital one and also want to ensure that unlike in the past this time its handled properly On my card ending XXXX i am disputing the car rental chrges from XXXX due to problems. XXXX XXXX XXXX no one wants to refund me after i was deceived and lied to about deposits and after they tried to scam me with saying i did not fill car up with gas when i did. I got that back but went through a lot so i want to know why i dont have a PERMANENT credit by now its been 6 weeks credit of XXXX dollars PERMANENT XXXX would have answered by now. Also i want to make sure that its CLEAR i did get the service so if they produce receipt that should NOT be the end of it. I got the service but had many problems. BAd car, over charged lied to about deposit for car. XXXX XXXX XXXX XXXX and XXXX enjoy HORRIBLE reviews and reviews of scamming history. please credit me permanently asap and take it from them IT has been long enough. Most banks would have credited it by now. I cant use the cards until this is done. please no scripts or telling me i have called CS or telling me it has not been long enough it has. please credit me for all i have endured PERMANENTLY from XXXX. who told me to call XXXX XXXX XXXX  for refund and vice versa someone care about my time and well being.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-10-31
Company: EQUIFAX, INC.
State: TX
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account with Wells Fargo Bank is negative {$1600.00} due to Wells Fargo withdrawing my money. There were three transactions of {$190.00}, {$500.00}, and {$880.00}. The bank has given zero real explanations as to why they have withdrawn that amount of money, all they said was that it was something global within the bank and they could not tell me more. The transactions have a description in my account of " Reversal of temporary credit provided for negative balance prior to stimulus payment ''. When I called the customer service line to ask what that meant and why they took that money the agent said that it was a credit I was given and then they take it out after 6 months of having given it and I was never given any alert or message as to the bank ever have given me any credits or that they were taking the money out of my account now. No one at the bank has been able to give me any explanations or reasons that make sense because they themselves do not understand what it means.

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 2018-11-15
Company: Experian Information Solutions Inc.
State: WV
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:
There are many mistakes appear in my report without my understanding.

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 2023-06-21
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 XXXXXX/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 2023-06-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023, I attempted to submit an image of a U.S. Treasury check in the amount of {$200.00} ( USD ) via Chime Financial , Inc. 's " mobile check deposit '' feature. Chime asked me to endorse my check with my signature and the language " For Deposit to Chime Only. '' After correct endorsement of the check, I submitted the images of said check, only for Chime and its banking partner XXXX XXXX XXXX XXXX  ) to reject my deposit, saying that the check was incorrectly endorsed. I submitted another image ( with different lighting and a darker background ) via Chime 's mobile app, and the deposit was again rejected for " poor image quality. '' I tried fiddling with the image quality settings on my phone 's camera and took what I believed to be the clearest possible image of this Treasury check, then tried one last time to submit it for deposit. Chime and XXXX XXXX rejected my third attempt to deposit my check, again for improper endorsement. I immediately sent an email ( on XX/XX/XXXX ) to Chime 's " Member Services '' department explaining my situation and asking them to correct the problem that I was experiencing. Unfortunately, it took almost one full month before a member of support personnel replied back to me via email ( XX/XX/XXXX ), saying that there was nothing either Chime or XXXX XXXX could do to fix my mobile check deposit issues. I am now attempting to close my accounts ( both checking and savings ) with Chime, as I believe the company 's customer service is so terrible that it negates the advantages of banking digitally. I don't think Chime should claim that they are " the number one most loved banking app. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

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 non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
these things are wrong on my report I dont have not late payments and I should not have delinquency accounts at all tell all ur information sources that is wrong and they must provide proof of contract & their info & Id must match attached Id and address of my account must be removed any accounts that doesn't match my current address or name on ID when my credit is ran this is what is being reported from your agency LENGTH OF TIME SINCE MOST SERIOUSLY DELINQUENT ACCOUNT HAS BEEN ESTABLISHED IS TOO SHORT INSUFFICIENT PAYMENT ACTIVITY OVER THE LAST YEAR REVOLVING ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS NOT ENOUGH AVAILABLE CREDIT!!!!! 

this is what is reporting and none of this is true!!!!!!!!!

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 2022-05-25
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For a simple teeth cleaning that i bought on XXXX  for XXXX dollars, this XXXX XXXX XXXX XXXX XXXX company is charging me XXXX dollars and im not willing to pay. 
Then i have a XXXX dollar collection on my credit from XXXX XXXX XXXX XXXX XXXX XXXX that i just realize a couple days ago. At that time i did have culinary  insurance but i still got charged.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
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:
Going over my monthly consumer report I've noticed that Experian is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Experian thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Experian continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Capital one checking account shouldve been closed several years ago. Capital One is horrible to customers. They treated me awful. I waited an hr to get to an almost solution. When I called back the agent laughed and transferred me to the wrong department. That is disgusting. I was unaware a bank account that was supposed to be closed years ago was still open. There was fraud on my account and during that time they told me they closed it. It was only until I applied for a credit card that I logged in to add my new credit card only to realize they did not close it. This is an account open for 4 years after fraud without my knowledge. They told me someone withdrew money from an ATM at the time from some Miami store. That wasnt me. When I talked time then years ago I asked them to close this account and I did report fraud. To my surprise 4 years later it is open and restricted without my knowledge of it being open. This is really unprofessional and to not follow up with me after dropped calls or a disconnection after waiting an hour is disgusting. I waited an hr and I keep getting transferred. They seem to not know what they are doing. I called again to ask them to close this but they said it is a negative balance. That balance as seen on the attachments was from fraud. Each time I try to get help they either hang up or disconnect somehow. It is really stressful. Please fix this. There should be only one capital one account open in my name and that is my credit card. Im very sad how they have treating me. Its like they do not care and keep transferring me. To have an account still open without my knowledge after it should have been closed is awful. I am really confused how you all did not close this years ago. Also get better customer service and train better because there should be no reason I was waiting for an hour only to be disconnected or hung up on. Also the agent laughed at me and that was very rude. This has caused me a lot of distress and thats not professional. This is not a debt this was a transaction that was not mine. I called them and told them this years ago and they didn't fix this. They agreed to close it but I feel less protected and nervous that this account was still open and restricted without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: AL
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 contacted Experian on XX/XX/XXXX about a medical collection account recently placed on my credit report from XXXXXXXX XXXX XXXXXXXX ( XXXX ). I disputed the collection in my explanation and asked that the account be removed from my credit report. Experian responded : " The company that reported the information has certified to Experian that the information is accurate. '' The account was not removed from my credit report. On XX/XX/XXXX, I submitted a claim against XXXX with the Consumer Financial Protection Bureau ( CFPB ) in reference to this matter. XXXX  in their response to the claim has now requested that the collection account be deleted from my credit reports, follow up required. Note : According to the National Consumer Assistance Plan ( XX/XX/XXXX ) in which the credit reporting agencies ( CRAs ) established, they would no longer include medical debts identified and furnished by collection agencies when the date is less than 180 days after the delinquency. I received a debt letter dated XX/XX/XXXX from XXXX   and I immediately responded via phone and letter to the office disputing the validity 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 2018-05-16
Company: EQUIFAX, INC.
State: SC
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:
I have been making on time payments to XXXX XXXX XXXX XXXX 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.

Company response to consumer: Closed with explanation