BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: DC
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: SC
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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:
For months Ive been trying to get TransUnion to change multiple accounts status from derogatory to paid. Ive spoke with my creditors and have verified my current status. TransUnion is neglecting to do anything at all. Ive sent dispute by mail and online and have no contact for over XXXX  days. I have no delinquent or derogatory accounts at all. 

Accounts affected : XXXX ( XXXX loan ) : XX/XX/XXXX my account balance was {$1100.00} XX/XX/XXXX my account balance is {$1300.00} this is a personal loan, I dont know how a balance could increase ; account not past due or delinquent. Since XXXX TransUnion has been decreasing my score from this creditor with every decrease in balance. This company has been illegitimately been reporting since the year XXXX started. Including XXXX false late payment ( XXXX ). I called the creditor multiple times and no one knows how to handle the situation and have a hard time speaking in XXXX making it more difficult to thoroughly explain the severity of the issue, but what the creditors are able to verify is that my account is current and also that they report every XXXX days. I also called TransUnion and what the supervisor told me was to just dispute it or call the creditor. He was no help at all. 



XXXX XXXX XXXX XXXX XXXX Bank XXXX ) : Ive been in constant contact with an amazing associate at XXXX in XXXX to this account. Ive paid this charge off in XX/XX/XXXX this account status should be reflecting as paid, was a charge off not a currently derogatory charge off. I have paid this company and transunion should no longer be reporting this account as open/derogatory. I have written letter, called the creditor, and submitted a dispute online and have not received any word. I can not even access the transunion site. 


This inaccurate reporting has drastically affected my current living and has positioned me within unqualified regions for a multitude of things. Its really stressful that credit is so important for a lot of people and we need it to be nearly perfect. For something so sensitive it extremely difficult to get in contact with well, anyone, to help you fix this and within a timely manner. Credit reports are so quick and so accurate when you have negative items reflecting but when you need a mistake you did not make, fixed, on credit you work your XXXX off for, itll take up to XXXX days. Its very unfair.

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 2022-09-09
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX  ( FINANACE ) - XX/XX/2022 -XXXX XXXX ( BANK ) - XX/XX/2022 2022

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 2021-03-02
Company: Chime Financial Inc
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:
So I made attempted to make a purchase in a store called XXXXXXXX XXXX  and swiped my car multiple times and every time it came up declined. I then seen the transition was pending on my card. I then contacted merchant who again assured me that transactions should not had went through. About a week later it went through. I then contact chime and filled a dispute they provided a provisional credit in about three weeks later took it back which me my account overdrawn {$920.00}. I called chime spoke to a supervisor, They closed my case. Come to find Out they never reached out to the merchant, they never contacted the merchant but was able to come up with a decision. I asked the supervisor how did they come up with this decision and he had no idea. Chime was very unprofessional and had no sense of the rules. I asked him how they were able to come up with a decision if they never spoken to the merchant and he had no answer for me. The supervisor kept advising me to send in another email to the disputes department to see if they want to re-open my case. 
My problem is it took me two seconds to contact the merchant and speak to them why couldnt chime had done the same thing. I dont have my money in the merchant doesnt have my money so chime obviously does. They refuse to give me my money and left my account in the red.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is to request that you remove inaccurate information from my credit report. This inaccurate information has affected my chances of getting loans and credit. For your convenience, I am sending you the proof that the items are inaccurate in case you need to verify them prior to removing them. The account I am referencing to is XXXX XXXX XXXX ( Account # XXXX ). 

On XX/XX/2022, I received a letter from XXXX XXXX XXXX that the obligation was paid in full in their office on XX/XX/2022.

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 2018-05-02
Company: GUARANTEED RATE INC.
State: IL
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 at Guaranteed Rate Inc has pulled my credit without my consent on XX/XX/2018. After he advised me that he pulled it i asked him why he did so without my consent, his reply was then QUOTE sorry for the trouble and good luck to you UNQUOTE. I asked him to make sure this doesn't show as a hard inquiry as i was shocked that he pulled it without my consent. I also asked if i should talk to someone else to have it removed.his reply was QUOTE Sure thing, i will look into it UNQUOTE.I asked him then to advise once done and have a letter send to me that it was taken care off, i expected something within 2 weeks. his reply then was QUOTE Again, good luck to you " Myname ''. I have always done good by you and did nothing wrong here UNQUOTE. since then i have reached out by phone and email to his boss XXXX XXXX and have never received a reply or call back.. I also had my attorney send a letter to XXXX at Guaranteed rate as well as XXXX, XXXX  and XXXX to try and have this removed. Neither XXXX or anyone from Guaranteed rate has replied, which in my opinion is very unprofessional from a company that claims to have the best mortgage experience on the planet. the unions have replied and mentioned that the inquiry removal needs to come from Guaranteed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am a Regions Bank customer ; I was regularly receiving emails about opening a personal line of credit. The emails said I was approved for the line of credit, it was only a matter of how much they would lend me. I applied for the line of credit one day, the representative told me in a couple of hours I was approved for {$10000.00} and what account would I like the money deposited to the next day. The next day came, nothing was happening. I called and nobody at Regions Bank had an answer. Finally, after a few days a supervisor of the personal loan department said the person I spoke to had made a mistake and that certain credit cards would need to be paid off with the money. I declined to do this. A few months went by, and I inquired again. I went over what happened before, submitted an application, went to the bank branch to sign the paperwork. This time I was denied credit saying I had too much debt to get a personal line of credit. I called the branch manager to say the ad looks like it is a matter of how much money they will loan as I am Pre-Approved. She never got back to me. Now my credit score is lower because of two credit inquiries and I have no money to restructure my debt. The emails are deceptive from Regions Bank is the basis of my complaint. They say you are pre-approved when you are not really. An XXXX does not absolve Regions Bank of the deception in the tone of the email advertisement. It 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 2023-03-17
Company: EQUIFAX, 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:
I have a XXXX  XXXX Bankruptcy that was filed in XX/XX/XXXX. I called Equifax because they are one of the only companies reporting this on my credit file. I called on XX/XX/XXXX and requested a deletion due to the fact that it is 9 years old and I'm trying to purchase a home. On XX/XX/XXXX I called equifax again because on my XXXX XXXX and My Fico Score app. I received a XXXX point decrease in score and message stating that a new Bankruptcy was added to my profile. I request that it be removed and my XXXX points returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: SYNCHRONY FINANCIAL
State: IL
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:
This issue pertains to a dishwasher I had purchased on XX/XX/23 at Lowe 's in XXXX XXXX, IL. I was planning to use my Lowe 's Credit Card ( Synchrony bank ), a 10 % off coupon from Lowe 's ( when using the Lowe 's credit card ), and a {$25.00} gift card. The associate applied the 10 % coupon to my order ; however, when she applied the {$25.00} gift card, the coupon was no longer valid. The associate told me since the gift card was already used and the funds were un-retrievable, we would have to complete the purchase, refund the purchase ( giving me the {$25.00} gift card as Store Credit ), and redo the purchase again without a gift card ( just the 10 % off coupon+ Lowe 's Credit Card ).

The front desk and assistant store manager had to get a hold of IT but the refund of {$850.00} was made ( {$25.00} given as store credit in a card and the rest ( {$830.00} ) supposedly refunded to my Lowe 's Credit Card account with Synchrony Bank - see attached receipt time-stamped XXXX XXXX  ). Immediately afterwards ( XXXX XXXX  ), the purchase was made again ( with just the10 % coupon, for a total of {$810.00} ). 

I was told the refund would take a few days to be applied to by Lowe 's Credit Card account with Synchrony. After 15 days, I saw no refund on my online account, so I called Synchrony Bank ( XX/XX/23 ). I was informed the store never put in the request for the refund as no refund was pending on my account. 

I am asking for a refund of {$830.00} There was a letter sent by Synchrony bank stating they were looking into this issue and no payment is required at this time, while the charge is under dispute. However, this letter this no longer available online ( leading me to believe something suspicious is going on- I can't trust Lowe 's for their word as stated previously with the refund that was never processed by the XXXX XXXX Lowe 's branch ). 

I am told the dispute investigation can take up to 60 days and is not guaranteed. Synchrony never asked for any receipts or details so I am not sure what they will be investigating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I dont want my file handled by the specialized fraud team anymore!!!! Its takes to long to get to That department and it stops be from managing my report online!!! 

All I need to do is change the phone number on my consumer statement from XXXX to my new phone number XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BARCLAYS BANK DELAWARE
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2022-12-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I have submitted a request to remove XXXX XXXX from my credit report to XXXX Credit Reporting due to this account being over XXXX XXXX XXXX, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Dana & Pariser Co.,L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Dana & Prasier Co, LPA is the Collection Agency that XXXX XXXX XXXX XXXX, XXXX is using to collect on XXXX XXXX XXXX XXXX XXXXr bills that are not owed and have even threatened to evict or have evicted tenants tat do not pay. Even if you do pay the water bill XXXX uses the collection agency Attorneys to evict tenants anyway like they did me. I had to agree to an Agreed Entry and be out of my old address by XX/XX/22 at XXXXXXXX XXXX or that Agreed Entry would automatically turn into an eviction that would ruin my rental history and credit. 

I was told by at least two Attorneys ( XXXX XXXX, Ohio Legal Aide and XXXX XXXX, XXXX XXXX, XXXX, Ohio ) that collections on old water bills that aren't proven as actually OWED by the tenant themselves is ILLEGAL which means that Dana & Praisers Attorney, XXXX XXXX, had o to of kown that too and yet their company continued to collect on the debt.I tried for over a year to settle the matter wih their client, my old landlord, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) and she only communicated by email one time then after that never would go over the bill again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: GA
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 DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX   {$1600.00} ( did not provide me proof of signed HIPPA ) Experian : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.

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 2023-09-14
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:
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : 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 response to consumer: Closed with non-monetary relief