BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
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:
I hope this message finds you well. I am writing to address a matter of utmost importance regarding my credit report. It has come to my attention that my rights, as outlined in 15 USC 1681c-2 and 15 USC 1681b , are being violated due to fraudulent activity on my account. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), as indicated by the FTC report filed under reference number [ XXXX ]. 

I understand the critical role that credit reporting agencies play in maintaining accurate credit information, and I am reaching out to request your immediate assistance in rectifying this situation. The fraudulent accounts that have been opened in my name are causing considerable distress and potential financial harm. :

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 2023-04-14
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, the following dates amounts and locations were reported as fraudulent purchases by me to Synchrony Bank for my Lowe 's credit card : 1. XX/XX/XXXX - {$190.00} - XXXX XXXXXXXX XXXXXXXX FL 2. XX/XX/XXXX - {$120.00} - XXXX XXXX XXXX FL 3. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 4. XX/XX/XXXX - {$960.00} - Store XXXX XXXX FL 5. XX/XX/XXXX - {$3900.00} - XXXX XXXX 6. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 7. XX/XX/XXXX - {$2400.00} - Store XXXX XXXX XXXX FL 8. XX/XX/XXXX - {$480.00} - Store XXXX XXXX FL 9. XX/XX/XXXX - {$210.00} - Store XXXX XXXX FL 10. XX/XX/XXXX - {$560.00} - Store XXXX XXXX FL 11. XX/XX/XXXX - {$340.00} - Store XXXX XXXX FL 12. XX/XX/XXXX - {$660.00} - Store XXXX XXXX FL 13. XX/XX/XXXX - {$400.00} - Store XXXX XXXX XXXX FL 14. XX/XX/XXXX - {$510.00} - Store XXXX XXXX FL Synchrony Bank acknowledged the fraud on XX/XX/XXXX and sent a letter stating that they approved the fraud claim on my Lowe 's Advantage Card account based on the information they had so far. I cancelled my card and had a new one issued. Whoever was able to use my account attempted to change the address and I canceled the card again and had a new one issued, froze the account, and had my granddaughter help me setup online access to better monitor the account. 

When the bill came for XXXX, there was one transaction that was not removed from the account for {$960.00}. This charge is the same as line item 4 from above but on my XX/XX/XXXX statement, Synchrony states that my balance as of XX/XX/XXXX was {$0.00}, but then claims a purchase was made on XX/XX/XXXX for {$960.00}. I have never made any purchases using this account. 

I sent another fraud claim to Synchrony and explained that this charge was part of the 14 charges they'd already investigated. Synchrony acknowledged my claim but continues to send me notices via mail and email, and call my home to ask for payment. They have reported late payment to the credit bureaus and added fees to my account for nonpayment. I can not get an answer as to why this one charge remained on the account while the 13 others were removed. 

I am XXXX years old and I live in Maryland. I remained in my home state, Maryland, and did not travel to Florida for the XXXX holiday. I do not have any relatives in Florida and I don't know how my account information was obtained to make all those purchases. I really need some assistance with this matter because Synchrony is not resolving the issue.

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 monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit reporting agencies fixed some of the errors, but not all. I need assistance enforcing them to fix " all '' errors on my credit reports.

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 2022-12-16
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:
I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX XXXX XXXX XXXX. The address is XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/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 2023-06-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When making payments to my Wells Fargo Visa, the payment amounts above the minimum payment due isn't being applied to my cash advance balances. They seemed to randomly apply most of the payment to my purchase balance first thus not bringing down my cash advance balance in order for the cash advances to be available again. This isn't right and I don't think it is in their card disclosures of how payments are applied.

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 2022-05-01
Company: EQUIFAX, INC.
State: TX
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 US DEPT OF ED Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX XXXX XXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/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 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these inquiries ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX Inquiry Date XX/XX/23 and XXXX XXXX XXXX Inquiry Date XX/XX/23 XXXX XXXX Inquiry Date XX/XX/23 XXXX XXXX XXXX Inquiry Date XX/XX/23

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-12-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have repeatedly attempted to contact the company Ally Auto XXXX about my auto loan. My loan is past due and I do not want to default. When I call their automated system and attempt to speak with someone almost every time I call I get rerouted through the phone queue and asked to renter my account number or social security number, then when I do Im put on a hold to wait to speak with someone and then after holding for so many minutes the call either goes back into the queue and asks for the same information or I get hung up on by the automated queue system. I advised several agents that this is happening and its not been fixed. There seemed to be no or limited US-based agent support. Everyone I talk to is offshore support outside of the United States and this is not helping with my situation as there is language, business knowledge, and a general understanding of how financial institutions and services work in our country by persons that do not live and do business in the United States. I need help and can not seem to get it. Please help me come to a resolution with Ally in regards to getting my account back on track and an extension agreement in place and a good point of contact in the United States to work with to ensure my account is handled correctly.

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 2018-12-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX Submitted on fraud issue : References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization. 

The issue has finally been resolved but Equifax has not yet acknowledged, except on a phone call, that someone at Equifax broke the law when they added a freeze to my account after I specifically stated that they were not to do this. 

My whole issue here was that I wanted to be able to self-serve a freeze/unfreeze, so that if I needed to purchase something requiring a credit check I would easily be able to go into all three bureaus, unfreeze, make my purchase, and put the freeze back. 

What made matters worse is I didn't even KNOW this was done until I had a telephone conversation, and at that point she removed the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 finish a 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
Consumer complaint received 2021-06-19
Company: Experian Information Solutions Inc.
State: NV
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:
There are some accounts on my credit report that are not mine. I just became a US citizen and I am brand new to this country legally. I noticed that there are already negative items that do not belong to me. Please remove them from my 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 2022-11-25
Company: EQUIFAX, INC.
State: MS
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 account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish 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 items 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 a 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 explanation