BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: TN
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:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my 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 non-monetary relief
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: NM
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: Other problem getting your report or credit score

Complaint:
Around XX/XX/2020 I started a process to refinance my home. I attempted to unfreeze the credit reports for my wife and me. The Equifax website was not functioning and referred me to a phone number. The automated system had me respond to questions that would identify me. At that point the system said they would text me an access code. On three different attempts the text did not arrive for 3 days. Of course, by that time the codes were invalid. 
Finally I reached a live person who told me to fax my request with copies of Driver 's License, Passport and Social Security Card. After a week of no response, I again faxed my request and documents as well as sent them via USPS. After several weeks I finally received notice via USPS that the accounts were unfrozen.

As a result the original mortgage rate offer was withdrawn and closing delayed for over a month. I'm now awaiting a new rate quote hoping that it will be as favorable as the original.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2019-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I went to the XXXX XXXX XXXX Bank of America location to use the atm to deposit some money. I was approached by 2 men and I am only XXXX and around XXXX XXXX  so I was frightened. THey told me to deposit a check and withdraw {$880.00} at first I said no a couple times and asked others around me to help me but they kept pressuring me and insisting i do what they tell me to do and one guy was standing by the door. I was very scared and eventually because of my silence the guy steps to my machine and inserts his check and puts in the amount he needs to withdraw and tells me to put in my PIN number and because I was scared I obeyed. They take the money and run out. I immediately go inside to the bank Vice President and tell them what happened and they told me they would file a claim and call the police and catch these guys. They also promised me that the bank will give me my money back. I call back 3 weeks later to check on my claim to discover that they did not call the police that day at all. A week later my claim comes back rejected and I call the bank who then reopens the claim. The next day I receive a phone call saying my claim was rejected because they felt like I couldve canceled the transaction and left. I dont know how to cancel it and like I said one guy wasnt blocking the door. This kind of situation shouldnt even be happening and its the banks job to prevent crime from happening at the bank to keep our money safe. As you can clearly see my money was not safe that day. Also the bank shouldnt be saying what I couldve done when they were not in my situation and the fact is I was robbed at their bank location and the bank shouldnt have let it happen in the first place. The bank also shouldnt have employees who tell me that the bank will return my money and lie saying they called the police I also tried tried to file a police report and they told me that they dont think they will be able to catch the guys because its been a long time. The reason why the police wont even catch these guys is because the staff lied to me if they didnt lie and call the police they probably wouldve caught the guys. Also the bank should be at the lookout for suspicious activity. Wasnt it suspicious 2 guys were standing around your atm approaching a girl trying to use a machine. Before I got robbed my account was at {$400.00} how can you withdraw a larger sum of money {$880.00} when you havent even accepted the check yet. My account is now at a negative balance and they expect me to pay them. Its partially their fault my money is gone and they should accept responsibility.

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 2022-03-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am reporting a line of credit opened fraudulently in my name, using my social security number, with a balance of {$6200.00}. The company I am reporting is : XXXX XXXX. This company reopened a closed account, that was recognized as identity theft, on XXXX/XXXX. 

The former company, Synchrony Bank, was notified of the identity theft dated on XX/XX/XXXX of the amount of {$6200.00}. The amount was cleared from my credit report and recognized as identity theft on XX/XX/XXXX. 

I am reporting XXXX XXXX for using fraudulent information to gain profit. This line of credit is not mine. I do not have this account. I do not owe {$6200.00} to this company. 
I am requesting that the company removes their name and amount owed from ALL 3 credit bureaus.

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 2022-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have reported to the three credit bureaus inconsistencies ' on my reports and noone replies. My ex was in charge of some of the debts on my credit and they will not remove : XXXX XXXX XXXX - was given to my ex to be responsible for in the divorce XXXX XXXX - I did NOT settle or get my car impounded so I am unsure why they are saying I owe XXXX? 
Why does XXXX show " two '' accounts? 
XXXX XXXX - XXXX Last updated XX/XX/2022- this was paid! 
XXXX - XXXX Last updated XX/XX/2022 - what activity happened in XXXX? I don't have 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 2022-03-08
Company: Experian Information Solutions Inc.
State: MO
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 account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

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 2018-04-12
Company: AES/PHEAA
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:
All of my school loans were transferred or sold and the credit bureaus are reporting the multiple loans as duplicates. On or about XX/XX/2017 I submitted an online dispute via Credit for those duplicate reports but the bureaus claim that the lenders resolved it which is not true. I called the lenders and they said they would fix it but it never happened. I am being denied credit because it appears that I have taken out numerous loans but the student loan lenders refuse to report properly as well as the credit bureaus after speaking to them on the phone. They are pointing to each other and giving me the run around. I was emailed the results and nothing has changed. My school loans are currently being paid thru the School Debt Relief Act and the disputed closed accounts are mostly over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions 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:
MY NAME IS XXXX XXXX XXXX XXXX. 
you have is wrong again! its not XXXX XXXX XXXX XXXX, XXXX XXXX XXXX name identification number XXXX and XXXX is wrong! 
Still have XXXX XXXX credit card, XXXX XXXX XXXX Credit card joint account with XXXX XXXX, 2 accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX joint account with XXXX XXXX. for the 5th time XXXX XXXX stole my identity. He opened these account using my identity. He posed as me to open these account. I never opened these account. I received a letter from you Experian that you took off XXXX XXXX i uploaded this on file its still on my credit report you failed to take it off. You also stated in a letter you received my information about identity theft so why the fraud and identity theft still on here XXXX and XXXX XXXX fixed this and not no long reporting this but you are. I uploaded this as well.

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 2017-05-17
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a  XXXX  customer for nearly a decade and have always paid on time. I have an excellent credit history and rating. I paid my last payment to  XXXX  for the month of  XXXX . Approximately 30 days ago I was notified that my mortgage was sold to  Nationstar. Nationstar t hen proceeded to bill me for the month of  XXXX . I called them and explained the issue and they ultimately confirmed that it was their error and that  XXXX  was received by  XXXX  and transferred t o Nationstar. I t hen asked for an amortization schedule so I can confirm that this was corrected and any possible other errors might not exist, so I would know that my mortgage was in good status. They informed me that this standard loan report was not something they supplied. How can I possibly know if my mortgage is now correct without simple data such as this? I was then transferred to a supervisor,  XXXX   XXXX , who told me she would attempt to obta in one, which she ne ver followed thru. After sending several emails to her, she then provided me with a fraudulent amortization schedule she appeared to produce thru a generic software. I responded and at this point included her supervisor,  XXXX   XXXX , in the  email trail. Her supe rvisor has never responded. She however did respond that because I threatened legal action, which I did not except to state that I would be filing a complaint with NYS, she would no longer respond and I was being passed off to the customer relations department. I attempted to call this department to try and get this settled and was told by customer service that phone calls were not permitted and I had to write a letter. My payment for  XXXX  is coming due. I 've never been late on my mortgage payment ever! They have been completely uncooperative. They will not supply a standard amortization report that the entire industry provides and utilizes. Finally, they provided me with a fraudulent document in an attempt to resolve this matter. Can you assist? Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello yes i was reviewing my credit report and realize that it is inaccurate information, I contact the credit bureau ( Equifax and XXXX ) on this matter, they redirect me to this site to file a report, Please im trynna resolve this in a civil matter. Here is the inquiries and address as follow 1. ) XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 2. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 3 XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, VA XXXX. XXXXXXXX   ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, FL XXXX, XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am unable to close my checking or savings account because they refuse to close it.

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 2023-09-12
Company: DISCOVER BANK
State: CA
Product: Credit 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/2023 I purchased digital gaming goods from XXXX. I was given a 4 letter code through the statement of the charge to verify my purchase and be able to withdraw my digital items out of XXXX website. Upon trying to withdraw the items I found out I needed to wait an additional 5 days in order for my XXXX account to accept trades from XXXX. On the second day after purchasing the items I found out my account was banned on XXXX preventing me from attempting to withdraw what I paid for. I started a chat with their support team on XXXX and they proceeded to tell me I needed to verify my purchase by falsely claiming they were required by law to ask for my documentation ( ID, selfie with ID, and my card I used for the purchase ). I declined to give them my information so I asked them to issue me a refund on XX/XX/2023. I was then ignored for countless days with no help at all. I told them if they did not issue me a refund without me having to verify my documentation with them that I would file a dispute with my bank. I proceeded to file a claim with my bank where my bank decided to rule in the merchants favor stating the purchase was valid because they loaded funds to my account. I never loaded funds to my account, I clicked on the items and clicked the " Buy '' button where I was taken to a screen to input my bank information to make the purchase. My bank refused to open up the claim again with countless more evidence I provided them with why I still have not received what I paid for. My bank keeps telling me if I have anything in writing stating XXXX  will offer me a refund they can help me. Wouldn't you think if I had something like that they would have already issued me a refund by now without the help of my bank. I also requested the refund 2-3 days after I made the purchase which falls in the 14 days XXXX offers refunds in their terms and service. I would also like to note that XXXX does not have anything in their refund policy stating they need to verify my documentation before issuing a refund. I believe my bank is failing to understand my issue and refusing to help me, their customer, get my money back for something I did not recieve. XXXX has since deleted every message I had with them on their website and have since stated my account will remain banned permanently and that I will not be able to withdraw what I paid for because I " falsely disputed '' against them which is not true at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: ALLY FINANCIAL INC.
State: MO
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:
i find unapproved inquiries on 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 explanation
Consumer complaint received 2023-06-13
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: Information belongs to someone else

Complaint:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Texas 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