BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: SC
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 sent a credit dispute to Experian last week. Sent the letter certified to know when it would arrive. It arrived on XX/XX/2021. The company claimed to have contacted all the companies in dispute and was to show proof of how dispute was investigated. They refuse to do so when asked. Also, company claims they contacted creditors and did a thorough investigation but that is a lie. They just took my letter and then 3 days later, sent me a " dispute completed '' but showed NO evidence of anything and also did not show any updated or other information as well. It takes 30 days for a full investigation and to get results. Experian is always telling stories about investigating and never do. They are causing harm and making life hard for people trying to dispute and refuse to help people.

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 2023-03-03
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:
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 explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NC
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  as reported on my credit file with both equifax and XXXX has once again violated the fair Credit act. 

XXXX has lawyers send attorney letter that unlawfully violated the fair credit act. 

The attorney letter they sent to me demanding in that letter attached asking over {$1300.00} more than what is being reported that I owe originally and is trying to scam me. 

they are attempting to extort money for me unlawfully as you can see on the attachment and I demand the XXXX card accounts be removed from my credit files immediately and pay me {$1000.00} for this violation I have complained about this several times and XXXX XXXX has ignored the complaint multiple times and I demand it be removed from my credit files for deceptive trade practices and pay me {$1000.00} for the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony # XXXX XXXX XXXX XXXX Contacted Synchrony on why charged late {$40.00} late fee each month when bill is paid by due date? REP reported correction on next bill. NOT CORRECTED ON NEW BILL. CHARGED ADDITIONAL {$40.00}. HELP!! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: LA
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:
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  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
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
well me and family took XXXX  with the XXXX  and didnt get paid in the process. well i called wells fargo to work out the pass do payment which was a month pass do. and while talking to them i was making a half payment in the process to catch up. after about XXXX days of the agreement of working things out to put me back to normal payments they came and got my car.

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 2022-12-21
Company: SYNCHRONY FINANCIAL
State: IN
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:
I set up auto pay and they send me an email saying my payment is due. I checked and it was scheduled to pull but keep getting notified payment was due. I find out this morning that they pulled the payment twice. Now tell me I paid the full balance twice. Should not be able to pay any credit card twice with no balance. 
I ask them to reverse that charges and they refused. Said a charge of $ XXXX had posted to the account and they will deduct that amount. Told them any new charges do not even get billed until after the closing date on XX/XX/2023. Now the want to take 15 days or more to mail me a check! 

This type of practice needs to be stopped

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 2022-02-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a hard inquiry from XXXX  XXXX that I did not initiate on XX/XX/2022 for some credit I assume. I didnt do this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
Attn : XXXX, NY Attorney General, Securities Exchange Commission I would like to make an official complaint against XXXX XXXX XXXX and the XXXX XXXX and Experian XXXX XXXX XXXX XXXX, credit bureaus. Although I have sent very specific documents that show that not only was I not the owner of the XXXXXXXX XXXX  card debt totaling {$890.00} but that these agencies aforementioned are in direct violation of my consumer rights. 

The violations that I have highlighted and addressed in the documents mailed to XXXX XXXX XXXX, XXXX, and Experian are the following : Violation of Consumer Rights Symbol on a document stating a debt is owed. 
Validation only the consumer can validate debts Harassment or abuse Civil liability Furnishing certain deceptive forms Legal action by debt collectors Unfair practices False and misleading Communication without permission. 
Acquisition of location of information Accuracy and fairness of credit reporting Obligation with respect to disclosure f personal information of the consumer Transactions other than under open end credit plan Apart from my list of violations I have also included : Exhibits, that show the inaccuracies that have remained on my credit report as a result of the errors made by XXXX, XXXX and Experian. Please find below a list of the documents that were also included in the package mailed to these aforementioned corporations. 

Letter of Dispute and Complaint Debt validation letter Affidavit of truth Notice to : Cease & Desist To date although I have made these agencies aware of their error this XXXX account remains on my personal credit. It is my intention to pursue this case in Federal Court next.

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 2022-03-14
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
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 9accordance to the fair reporting credit act these Creditors have violated my rights. Under 15usc-1581sectiom 602, states I have the right to privacy. Under 15usc a consumer reporting agency can not furnace an account without my written permission or instructions a credit or may not treat a account or plan as late for any purpose.

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 2022-12-21
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: Credit inquiries on your report that you don't recognize

Complaint:
The following credit inquries listed below are fraudulent and as a result of identity theft. I have filled an identity theft report regarding these credit inquiries that I personally never initiated or approved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX EXPERIAN XXXXXXXX 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 XXXXXXXX EXPERIAN 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 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Credit Card HoldeXXXX Citi Bank has agreed that the purchases done were fraudulent. Citi Bank agreed to remove the fraudulent charges and did so in a timely manner. But due to my wallet being stolen alongside my new credit card, Citi Bank decided to bring back the past fraudulent charges and has refused to take them out from my 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 2020-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a HSBC credit card ( card number : XXXX ) since XX/XX/XXXX and have been using a checking account on the HSBC credit card profile to pay min balance with no problem every month since XX/XX/XXXX. I decided to pay off my credit card before XX/XX/XXXX so I could avoid interest charged on my credit card so I decided to use the exact checking account on file. 

However, it is showing " processing '' for several business days before it shows it is " RETURNED CHECK '' and I was also charged {$25.00} return fee per transaction. In addition, I need to pay interest on the balance because HSBC decided that the payment is " RETURNED '' even though I have used the exact checking account to pay my credit card for almost 2 years. 

I am very upset about what they did and contacted HSBC several times through online chat and over the phone. Online chat told me the payment is being processed no don't worry about it and over the phone, representative told me that they can't waive the interest on the balance. 

I had no choice but submit the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2022-08-25
Company: Bread Financial Holdings, Inc.
State: FL
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:
Have not received XXXX XXXX  or XX/XX/2022 statements. Am unable to verify charges due to no statement received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CONTRACT CALLERS 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 ran my credit report because I am trying to refinance my house. I noticed this report on my credit that I had no idea what it was. I researched ( Googled ) Contract Callers ( supposed collection agency for a company called XXXX XXXX ) because on my credit report there is the wrong phone # ( XXXX is not the phone # ). After finding the correct phone # on XXXX ( XXXX ) I called on XX/XX/22 and talked to a woman named XXXX XXXX XXXX 's. The first phone call she gave me a possible fraud address and said that this was in collections under my SS #. The possible fraud address she gave me is, XXXX Trellis XXXX XXXX XXXX XXXX XXXX XXXX GA. 

The 2nd time I called Contract Caller 's ( on XX/XX/22 ) around XXXX p.m. XXXX, I was at the XXXX XXXX XXXX XXXX XXXX waiting for an officer to take my report on this fraud and she ( XXXX XXXX XXXX said that she has no record of me talking to her and that nothing is showing under my ss # for " Contract Callers ''. 

I am completely baffled as i don't know if " Contract Callers is the Fraud problem or this XXXX XXXX XXXX is. I don't know what to do as I have no idea who these company 's are and never had anything to do with them. 
I have made a police report with the XXXX XXXX XXXX, XXXX # XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XX/XX/2021asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a bunch of online XXXX  that i did not authorize be used on different sites an the disputes team held me liable because my card was not used just the numbers were

Company response to consumer: Closed with explanation