BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
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:
on XXXX I submitted a dispute regarding XXXX XXXX On XX/XX/XXXX Experian replied that the dispute has been updated. Upon review of the dispute, I see that the account is still violating the FCRA and reporting inaccurateDespite written request. Experian has failed to perform a reasonable investigation of my dispute. This is a VIOLATION of the FCRA. This account is reporting inaccurate information, and I have proof attached. If this is not removed ASAP, I will be filing a lawsuit and a complaint with the attorney general. These accounts were NOT verified yet updated to my report. 

Here are the results below from Experian. 
The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 
In firmly dispute this account Experian does not show that I made a payment on XX/XX/XXXX. The balance history that Experian has shows that I paid XXXX dollars. 
Date of last payment is incorrect and inconsistent with the bureaus. Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX Experians balance history showed that I paid XXXX on XX/XX/XXXX, yet the date of last payment is listed as XX/XX/XXXX The date of last active is incorrect. 
o Experian has a date of XX/XX/XXXX, XXXX has XX/XX/XXXX. Why would XXXX tell the bureaus two different things in 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 2020-03-29
Company: Bread Financial Holdings, Inc.
State: AR
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:
XXXX XXXX AND COMENITY FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON XXXX ONLY, ALL BUREAUS COMPLIED LONG AGO!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me. They claim they tried to call me, but I have not received any phone calls since the previous complaint. I would love to speak to someone on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Credit reporting agency and original creditor are in violation of my consumer rights. 
Account name : XXXX XXXXXXXX XXXX  Account number : XXXX. The balance on this account is inaccurate. My limit was {$300.00} but my balance is reporting as {$500.00}. How can this balance be correct when my limit is only {$300.00}? Also the original creditor and the credit reporting agencies are continuing to report this account as charged off month after month for 13 months after the initial charge off.date. An account can legally only be charged off one time. Once the account is charged off there should not be any updates to the account per FCRA rules and regulations.

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 2023-02-10
Company: EQUIFAX, INC.
State: CA
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have multiple hard inquiries that are on my consumer report that I did not authorize. I even noticed that the same company names multiple times in the same period as a hard inquiry on my consumer report. I wrote the CRA TransUnion but they sent me back a response that it was verified with no proof of this verification. I am demanding that they remove all of those unauthorized hard inquiries listed on my report that were not authorized. The only hard inquiries that should be on my consumer report that I authorized are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Pursuant to 15 USC 1681 ( a ) ( 1 ), I as the consumer am entitled to an accurate report and the CRA TransUnion has not done that. Therefore they are in violation and are being put on notice for violating the law.

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 2023-02-11
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: Public record information inaccurate

Complaint:
I asked the credit bureau to do a verification of everything on my credit report, and they say that they did and stated that everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 



In accordance with the fair credit reporting act XXXX  account Experian has violated my rights..with a BK on my report 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.

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 2023-02-10
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$0.00}

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 2021-08-03
Company: EQUIFAX, INC.
State: MI
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:
XXXX  XXXX - This is a complaint against the timeshare XXXX. The account mentioned, has appeared in my report multiple times but has already been deleted before but it re-appeared with the same account number, & is reporting negative. I spoke with their people ( I remember XXXX XXXX ) who were introduced as representatives of XXXX rather than a salesperson. I was told I am making good financial investment, because the resale value would go up & that I can actually make money from it by renting it out to people thus earning me rental income or once I finished paying them, I could resell it to a higher price. They also said it has some tax benefits. They offered me gifts like a certificate to use for 2 years instead of using credits, which I never got to used because I never got them as promised. I felt pressured and rushed when they told me it's my last chance at the lowest price. I felt I am being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant me the price being offered. They opened a credit card for me, they are the ones who did the entire process, signing the application, they did everything for me without me realizing it. I never even received a copy of the application nor was I informed of the fees. They didn't even allow me to read and fully understand the contract and they never gave me an original copy of the contract or any deed from other contracts. Everything felt rushed, I was even threatened that I only had that day to decide. One more problem was that I wasn't made aware of the cancellation process, They didn't even proactively educated me as to how many days to cancel. XXXX XXXX told me to call her if I wanted to cancel, I've made phone calls to her requesting to cancel, I've left messages but I never got any replies. I was XXXX years old when I dealt with them, and now I am at XXXX, I already have some medical conditions, & having this timeshare just doesn't help someone as old as me, I have limited income because I'm retired, so I'm having financial difficulties meeting my bills, I even lose sleep over the stress caused by this timeshare. This timeshare has been very stressful for me and to make it worse, they're constantly calling me for payments everyday. I've had the worst experience with this timeshare, the pressure used by their representatives, the amount of time it takes, the false promises they told me but most of all the constant manipulation used to control you to force you to buy the timeshare. They won't listen or care about what one is saying to them, will make you feel guilty if you say no or don't sign. I was defrauded and lied to but surely I was taken advantage of due to my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent {$30.00} to a XXXX via PayPal. It was supposed to be in exchange for a festival ticket. The individual linked to that account, XXXX XXXX accepted the payment, but never had a ticket to offer. I sent a report to PayPal and they closed my dispute without any retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The following accounts have violated my rights. The inaccurate reporting has affected my ability to purchase a home or get financing. I am an XXXX XXXX XXXX with XXXX  I feel taken advantage of. 

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 

Under the Fair Credit Act,15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), 12 CFR 1026.10 ( f ) I have tried to resolve these matters with the bureaus & CFPB. I submitted the complaint on XX/XX/2023. It has has been XXXX since submitting complaint and there's no action. All I get is letters from them to discurage me from seeking justice. 

According to 15 USC 1681n ( a ) ( 1 ) Any damages sustained by the consumer as a result of the failure or damages will be compensated. 

As a result of this I want all fradulent accounts removed from my credit report immediately with {$1000.00} dollars per violation. This level of injustice has tarnished my ability to get financing for a home for my family or even be able to apply for 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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I've sent out three disputes to XXXX, Transunion and XXXX on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. The amount owed is {$1800.00}. I've disputed to receive proof of verification on my credit report but have not received accurate information at all. I've disputed about this account on three different occasions but neither credit reporting company has given me an accurate response.

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 2022-04-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I received a text message from Citibank. I tapped on it and called, I verified who I was and thought it was Citibank and it was not. I realized something was wrong because I began to receive messages from XXXX, saying money was removed from my account. I went to the branch of Citibank closest to me. As I entered the bank someone called me from Citibank asking if I gave permission for a wire transfer from my account. I said no and explained my situation to the costumer service representative. She then closed my account and notified the wire fraud department. The following morning I went to the police department, made a claim, went back to Citibank making a claim description, making out an affidavit of unauthorized online wire fraud. All documents were notarized. A copy was given to XXXX XXXX of the XXXX XXXX in XXXX XXXX, XXXX and the other to the bank. I am a senior, XXXX XXXX XXXX XXXX XXXX, I have been a costumer at Citibank for over forty years. I have never made a wire transfer in my life, nor did I give permission to anyone to remove money from my account. XXXX XXXX dollars was fraudulently taken from my account. I believe Citibank was delinquent in allowing 12 separate transfers from my account to 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 2023-11-07
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Discover Student Loans used me as a co-signer without my Authorization. I was unaware of the situation until the missed payments on the loans and Discover reached out to me for payment. I had a conversation on XXXX XXXX XXXX ( they won't give their last names ) where she gave me the following information on the loans : 1st Loan XXXX opened XXXX XXXX current balance is {$10000.00} balance as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  current balance is {$4900.00} balance as of XXXX XXXX XXXX XXXX XXXX I asked how the Discover loan officer and the borrower could use my information without my consent. Discover would like me to open a police report and file a civil lawsuit. I am more concerned about how many victims are going through what I am going through regarding inadequate processes at Discover Student Loans to obtain approval. It's similar to the Banks XXXX XXXX XXXX XXXX XXXX XXXX  etc. ) opening up accounts without the owner 's consent. I called to follow up today, XXXX, and spoke with XXXX ( they won't give their last names ). She told me that XXXX was the investigator assigned to my case and was told to file a police report and resolve the problem in civil court. I asked to speak to a supervisor, and no one was available to escalate the situation, giving me no choice but to file a formal complaint with the attorney general of Utah, as the corporate office is located in Utah. I genuinely believe that I am in the situation I am in right now due to the lousy process and procedures being allowed to get loan approval at Discover Student Loans. 
This is becoming an issue now as it will prevent me from purchasing a new home. 

I have also reached out to the Attorney General of Utah with a formal Complaint.

the investigator recommended I open a complaint with the FTC which I am doing now. they also mentioned " XXXX refused to speak with me without you on the telephone. I am still trying to get some information regarding your account. According to the person I spoke to, the telephone I gave them XXXX XXXX XXXX XXXX  does not relate to any loan in their system. they will attempt to send a second letter to XXXX and we'll see what happens. '' it's funny how Discover student loan tells the investigator that my number does not come up in the system while they call me to collect every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.

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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Found incorrect items on my report investigation taking longer than 30 days

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 2022-09-15
Company: EQUIFAX, 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:
On XX/XX/2021, after I pulled my credit report, I found out multiple accounts on my credit report that were not mine, the following frivolous accounts are not mine and I need it to be remove from my EQUIFAX file. I am trying to reach out the CFPB now because, out of nowhere on my updated credit report, the collection name XXXX XXXX XXXX XXXXXXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ) ", came up. I really need them to be remove from my report, the mentioned accounts was never mine and I never opened, I am not the debtor of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 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 ) person shall not furnish any information relating to 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