BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: TX
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 taken advantage of due to XXXX and several laws have been broken by your company. which has caused XXXX of character and has severely impacted my ability to obtain credit.

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 2023-11-04
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX Last four of XXXX XXXX XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: IL
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 sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, XXXX, XXXX and Equifax detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so. 

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High. 

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX. Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and EXperian and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

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 2023-10-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I preordered a book from an online seller on XX/XX/XXXX. The book release was delayed due to the COVID lockdown. The book started to ship on XX/XX/XXXX. I never received the book. I have contacted the merchant several times to check the status and was told that the book would ship soon. Then the merchant stopped responding to my messages. I contacted Chase to request the book or a refund but my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a new XXXX and signed into my Venmo account with my new phone on XX/XX/23. I then tried to send money to a friend and it said my account has been suspended, even thought I was able to sign into my account and verify it was my account. When I called a rep for Venmo, they said it would 3-5 business days to resolve the issue. I then received an email asking me to take a picture of my ID and send it with a picture of me holding it. I don't believe this is very secure and it is not right that they are holding my money XXXX and not going to resolve it for 3-5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I cancelled the application but they STILL pushed it thru WITHOUT MY knowledge.My credit is reporting I have the amount available WHICH I DO NOT they refuse to remove it from my credit.SO OVERALL the amount they say I have is a fraud..I DO NOT HAVE THIS ACCOUNT or have any credit amount from them

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 2023-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I put a downpayment of XXXX on a whiskey mink coat at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Il XXXX. I would than make several more payments on XX/XX/XXXX for XXXX, on XX/XX/XXXX, XXXX made another XXXX debit card transaction on XX/XX/XXXX all of my payments were made with my BOM Mastercard debit card. Then on XX/XX/XXXX I paid the remaining amount of XXXX. That coat was paid for on that date and an appraisal was typed up and I was to pick up the whiskey mink coat on XX/XX/XXXX. However, I saw a black sheared mink with chinchilla collar. So, I canceled the whiskey mink and the appraisal document was given back to the merchant. 

I had to pay an additional XXXX. The merchant said that he didn't know when he would have the coat. This he said after he debit my account. It was a special order. Not knowing when I would receive my coat, I returned several time and each time no coat. So after 28 days I filed a dispute with the card issuer, BMO Harris. After 40 days, they denied me a chargeback on XX/XX/XXXX. 

The bank denied me a chargeback because the merchant showed videos of me paying with my debit card. I was paying on the layaway but I never received the coat. I never signed the space on my copy of the receipt date picked up line. I never signed an appraisal for insurance purposes. I never told the bank that it was fraud, but I did tell it that I never received the coat totally XXXX. I have the unsigned receipt showing the money amounts and a unsigned pickup date. Please address my concerns.

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 2023-09-02
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: Reporting company used your report improperly

Complaint:
If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NY
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:
Fraudulent 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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX and my report is not accurate. I disputed inaccurate accounts more than 30 days ago

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 2023-11-04
Company: EQUIFAX, INC.
State: CT
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: GA
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$950.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/2019 Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX : XX/XX/2019 Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: SN SERVICING CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Concern : I received a mortgage in XXXX of XXXX from XXXX XXXX  to purchase a condoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. After purchase, I was immediately transferred to XXXX XXXX XXXX XXXX, a debt collector. I paid my mortgage every month. After about a year and without written notification, I was transferred to XXXX XXXX. I can not recall how I found out, but eventually had to set up an account with XXXX XXXX. Again, after a year, I started receiving calls from XXXX XXXX XXXX. I thought it was a mistake, but eventually tried to call them back. I would spend XXXX min. Or more on hold, and once I would inquire about the phone call, I was informed I would have to be transferred to another representative due to loan status. I did not understand this and kept paying my mortgage to XXXX XXXX. In a short while, XXXX XXXX returned my mortgage, and when I called, I was informed I had been transferred back to Rushmore. After an intensely frustrating time on hold and speaking with representatives, I was informed that both XXXX XXXX and XXXX sent goodbye and welcome packets to me at my condo address. I received neither of these. I set up another account with XXXX and began paying my mortgage again. At this time I was informed my property tax had been reassessed by XXXX XXXX and my tax portion of my mortgage had increased by almost {$50.00} per month. Again, no notice of reassessment and no idea how they came to this amount. Then I received a statement from XXXX Loans ( which I think is XXXX ) XXXX XX/XX/XXXX, and now my fixed mortgage has not only increased through taxes, there are fees and charges of {$33.00}. 

However, on XX/XX/XXXX, I received notice that my mortgage was transferred to SN Servicing Corporation, who informed me that they were my new mortgage company and they needed proof of insurance. Who is paying my insurance and isnt that something that the mortgage transfer should handle. 

Suffice to say, I believe this to be an effort to take advantage of consumers, specifically, consumers with fewer means to defend themselves. 

Please help the consumer,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was created in XXXX it has gone through several creditors. Payments were made to one but it was sold again and there is no record of that Also, it is showing on my account as a recent account a XXXX account when that isn't correct. I've asked it be removed I've disputed it through XXXX  and nothing works. They aren't recording payments properly and the debt is being treated like its new when it should have been removed from my card. This claim is also for a phone that was lost and then the company refused to replace it despite insurance. They continued to charge service fees while I had no phone. I disputed the charges and canceled my service. This needs to be removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I never gave authorization for credco to inquire as to my credit status. I would like that " hard inquiry '' removed from any and all credit reports. Thanks

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that two of the accounts that are in my credit report don't belong to me, and it came back with a different collection this time, the collection name for the alleged debt with XXXX is XXXX XXXX XXXX, and so I ask to please stop further collection activities and remove the account from my XXXX and TRANSUNION credit report. Also XXXX I personally don't recognize this account, the account doesn't belong to me and this is reporting on the three credit bureaus. I've already tried to remove these accounts with them and they refuses to take them off.

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