BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: ALLIANT CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This written communication consitutes XXXX and due process notice of the compromising of my credit card as defined under 15 USC 1602 ( l ) a/k/a social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint, my local police which both are attached herewith. Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of Following : XXXX XXXX XXXX, Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for XXXX at a Capitol One atm on XXXX that I received from my apartment building for my security deposit. After I deposited this check I got an email from Capitol One that my check would be delayed until XXXX. I called Capitol One twice on XXXX and was told that the only way to get this check before XXXX and even then is not guaranteed would be to submit an Authorization of Endorsement letter that is notarized and signed by both my apartment building and myself. They first told me that this was because my account is at risk of withdrawal, then they said its because they dont know that the bank that issued the check ( XXXX XXXX ) has the funds, then they said is was because I had never deposited a check from this company, and then on my second call they said it was because this check has another party written on it and so it has to be delayed. The bank couldnt give me a straight answer as to why this check would be delayed for two whole months, something that has never happened to me before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06
Company: Experian Information Solutions 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 wrote to the bureaus about two ( 2 ) XXXX XXXX account that I have that is closed and have a paid status on my credit report. I wrote them asking for the removal of the late payment on my account which I am still seeing and causing a negative impact on my credit. 
I am just asking for the removal of the history of late payment on my credit report concerning XXXX XXXX account # XXXX and XXXX as I am trying to obtain some credit and this is creating a negative impact on my overall credit and 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX  Account : XXXX XXXXXXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  acct # XXXX Has violated my rights. 
15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness

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 2020-02-18
Company: SYNCHRONY FINANCIAL
State: TX
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 applied and was approved for a Sam 's Club MasterCard which is owned by Synchrony Bank. A few days after approval, I received a letter via USPS from Synchrony Bank that stated : " When you were approved, we did not assign to your account the best interest rate we offer. '' It stated that I was entitled to a free credit report and if I had any concerns I could contact them and/or XXXX -- the supplier of their credit data.

I know I have excellent credit. I get a free FICO credit score every month with my XXXX credit card account. My score is always in the 800s. I also get a free FICO score with my XXXX   XXXX XXXX account and it is in the 800s as well. The XXXX  XXXX XXXX FICO score is supplied by XXXX, by the way. 

I ordered a free credit report from XXXX as suggested by Synchrony. When I received the report, I could see no derogatory information at all, so I decided to contact Synchrony Bank by phone. I asked them to tell me specifically why I received a sub-standard account when I have excellent credit. After being placed on hold for quite some time, XXXX, told me that she was unable to explain why I received the higher interest rate account. I asked to speak to someone else regarding the matter and she said she had already inquired with her manager and they could not help me. She stated the approval process was all automated. I asked her what criteria were needed in order to get the standard ( better ) interest rate. She said she did not know and neither did anyone else. I told her I would be filing a complaint. 

My concern is that this is a scam created by the credit card company ( Synchrony Bank ) to charge higher interest rates to everyone. If I have excellent credit scores and did not receive the best interest rate, what do they require in order to get the better interest rate? No one could tell me when I called and asked.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: CA
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 Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF ED/XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been going on for yeas and it's giving me 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 2023-04-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$18000.00XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} 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 2020-04-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Wednesday, XX/XX/2020, I attempted to put a Freeze on my Experian Credit Report through the Experian Website : https : //usa.experian.com/login/index I have an active account with Experian and I have confirmed my 10 digit PIN number through their Website. When I enter all my data, i.e., Name, DOB, SSN, current and previous address, and the 10 digit PIN, in order to place the freeze, the Website informs me that my identity can not be confirmed and I must submit a written letter to Experian with all this information, plus a copy of a govt issued photo ID. 

I attempted to contact Experian by phone at their Consumer Help number : XXXX, and after entering my SSN and DOB, I am offered only two options, neither of which is my issue and both of these are simply recorded messages about products and directions to go to the company 's Website. 

I went through this same process again today, Thursday, XX/XX/2020, including the Website and trying to reach someone by phone, without success. The automated phone system hangs up on callers without allowing them to speak to a representative. 

Experian appears to be forcing people to purchase an upgrade to their accounts in order to lock their credit report, since the free credit freeze process is not working. I have excellent credit and I own a home. I am very concerned that someone could use my credit to make purchases. This company is terrible and impairs the ability of consumers to protect their identities and prevent 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 non-monetary relief
Consumer complaint received 2018-06-08
Company: Experian Information Solutions 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:
all credit reports XXXX XXXX Experian XXXX I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies

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: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit a check from my insurance company because of my vehicle got totaled. The check was for {$34000.00} XXXX is the one that send the check I deposited to my Wells Fargo 's account. They discriminated me when I walked in the bank because I'm young and then they put a hold on my check after it clears. So now I don't have a vehicle. It's going to be cleared in 2 weeks which isn't acceptable because they're trying to say XXXX write checks and tries to take the funds back which that's not true because XXXX is legit company for insurance. So you need to look into Wells Fargo and they're not following the guidelines to the federal law and they seem to be discriminating in customers and trying to hold their money. Something needs to get done. 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: EQUIFAX, INC.
State: KY
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 accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts 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 accounts immediate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}

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 2022-04-14
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have contacted you over 15 times you tell me why the XXXX never gets fixed

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 2020-02-18
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2019 I have been requesting NewRez LLC to conduct a new escrow analysis on my VA home loan they service on behalf of XXXX XXXX ( XXXX ). 

Emails go unanswered, phone contacts take 25/30+ minutes to speak with an agent who can not help with escrow .... I do not receive email responses. The only written response I received was dated XX/XX/XXXX. NewRez has been collecting well-in-excess of what is needed for my escrow to pay property insurance and property tax. These monies will not earn interest and would be better used for principal or other payments.

NewRez has a customer service culture of ignoring requesting and failing to respond in a timely manner. I have called them four times since XX/XX/XXXX and emailed a similar number of times. I have received no response.

Company response to consumer: Closed with explanation